Eric Hoffart is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He previously worked at Lord Abbett for seven years before joining Raymond James and First Northern Bank, where he currently serves as an investment advisor. Outside of advisory work, Hoffart is involved as a partner in Lohi Beer Garden and holds investment interests in several hospitality-related businesses including Recess Campus Lounge and multiple beer garden ventures. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, and institutional investors. The firm offers tailored, non-discretionary advice using risk profiling and modeling tools and supports clients in implementing strategies through various advisory programs.

Mark Atkins is a financial advisor with Primerica Advisors in Shingle Springs, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Primerica Advisors since 1992 and with Primerica Financial Services since 1991. In addition to advising, he is involved in sales of home-related products through affiliated companies, including loan products and home security services. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which provides model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm focuses on third-party manager selection and uses a tiered wrap-fee structure rather than fixed fees.

Evan Currie is a Series 66-licensed financial advisor with Edward Jones, based in Fair Oaks, CA, with three years of industry experience. Prior to joining Edward Jones, he worked for the Fair Oaks Water District for 12 years. He serves as a board member for the Fair Oaks Cemetery District. Edward Jones is a full-service wealth management firm serving both individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of over 23,700 financial advisors.

Jose Delgado is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior work includes roles at Tri Counties Bank and JPMorgan Chase. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, as well as registered investment companies. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, and it serves a range of clients through discretionary and non-discretionary advisory services.

Michael Szabad is a financial advisor at Primerica Advisors with Series 63 and Series 65 credentials and one year of industry experience. His background includes service in the CA Army National Guard since 2015 and work with the Counterdrug Task Force from 2022 to 2024. He also has experience in hospitality with Murietta Inn & Spa and in business with LumaGlow. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies managed by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Russel Phelps III is a CFP® with 32 years of industry experience, currently affiliated with Ameriprise since 2005. He holds a Series 63 license and serves as CEO of R3, a practice support business, in addition to engaging in independent insurance brokering with Western Health Advantage. Ameriprise is a large institutional firm that offers retirement-income planning services primarily for individuals with significant investable assets, combining research and modeling with tax-efficient strategies to deliver tailored recommendation reports through a centralized consulting team.

Brian Casper is a financial advisor at Edward Jones in Gold River, CA, holding CFP® and Series 66 designations with 13 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions. The firm manages approximately $1.01 trillion in assets under management and operates a large nationwide network of financial advisors and branch offices.

Stanley Leong is a financial advisor with Ameriprise in Roseville, CA, holding the CFP®, ChFC®, and Series 66 credentials and has 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory work, he is authoring a new book to be sold on Amazon. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research-driven modeling and tax-efficient strategies to support clients’ income goals.

Lela Bayley is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing nearly four decades of experience to her clients. Since beginning her career at Merrill in 1983, she has developed long-term relationships with multiple generations of families, guiding them through their financial education, goals, and challenges. Her approach involves a disciplined process that considers each client’s full financial picture alongside their personal values, risk tolerance, and investment objectives. Lela collaborates closely with clients to establish and regularly review personalized wealth management strategies that adapt to life changes and evolving market conditions. Her areas of expertise include college education planning, family wealth management, legacy and retirement planning, ESG investing, socially responsible investments, special needs planning, and women and wealth. Lela holds a Bachelor's Degree from the California State University System and carries the Personal Investment Advisor (PIA) professional designation. She has also contributed to the Crocker Art Museum’s Art Auction Committee. An active member of her community, she volunteers with organizations including the Salvation Army, Sacramento Children’s Home, and Homeward Bound. Lela lives in Land Park and participates in cycling, art, civic organizations, and various philanthropic groups.

Erik Carlson is a financial advisor with Equitable Advisors in Folsom, CA, holding a Series 66 designation and 26 years of industry experience. He has worked at Equitable Advisors and its predecessor, Axa Advisors, since 2000. Outside of his advisory role, he is involved in motivational speaking, training, and entertainment through his own business, CarlsonLive.com, and also buys and sells baseball cards on eBay. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs. The firm’s approach includes matching clients to advisory models or discretionary managers, often through third-party platforms, and offers a range of investment options from mutual funds to select alternative investments.

Violetta Terpeluk is a financial advisor with Ameriprise in Roseville, CA, holding a Series 66 designation and bringing 24 years of industry experience. She has been with Ameriprise and its related entities since 2005. Outside of her advisory role, she is the author of a consumer-education book titled *Financial FLOW: The Art of Fulfilling Life and Optimizing Wealth* and is involved in business advisory and consulting through Indigai Business Advisory. Ameriprise Financial Services is a large diversified firm serving individual and institutional clients, known for its Premier Retirement Income service that provides tailored retirement income planning supported by proprietary research and algorithmic tools.

Jay Kim is a financial advisor at Osaic Wealth Inc. with 22 years of industry experience. He holds a Series 66 designation and has previously worked at firms including Cambridge Investment Research Advisors, LPL Financial, and Charles Schwab. Outside of his advisory work, he owns and operates multiple businesses including Gateway Financial Advisors and Gateway Insurance Group. Osaic Wealth Inc. serves a diverse client base ranging from individual investors to institutional entities, offering integrated brokerage and advisory services. The firm employs a variety of portfolio construction tools and supports multiple platforms, including third-party managed account solutions.

Tyler Mitchell is a financial advisor with LPL Financial in Sacramento, CA, holding Series 63 and Series 66 credentials and 10 years of industry experience. He has worked at LPL Financial since 2019 and previously held positions at Golden 1 Credit Union, Fidelity Brokerage Services LLC, and B & B Landscaping Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, research, and advanced technologies across discretionary and non-discretionary management.

John Landberg is a CFP®-designated financial advisor with Robert W. Baird & Co., where he has worked for 17 years. He has 36 years of industry experience. Outside of advising, he holds a 20% ownership interest in Penryn Park Partners, a land development business. He is part of The DDK Group within Baird’s Private Wealth Management department, which serves high net worth individuals, corporate clients, pensions, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, and custody, utilizing a combination of manager-traded and model-traded strategies alongside tax management and direct indexing.

Sun Kim is a financial advisor with Merrill in Sacramento, CA, holding a Series 66 designation and 12 years of industry experience. He has been with Merrill since 2014. Outside of his advisory role, he works part-time in data entry and administrative tasks for All Asset Property Management in Roseville, California. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Reginal Prasad is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing since 2016. His prior experience includes roles at Wells Fargo Advisors LLC, Wells Fargo Bank, NA, and Walmart Inc. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Ron Dale is a CFP® with 34 years of experience in the financial industry. He is currently affiliated with OSAIC and has previously worked at Royal Alliance Associates, Inc. and Signator Investors, Inc. Beyond advising, he manages Dale Orchards, LLC, a family walnut farm, and serves as a board member for the Garden Highway Mutual Water Company, a local irrigation water district. OSAIC serves a diverse client base including individual investors, institutions, and charitable organizations, offering integrated brokerage, advisory services, and access to third-party money managers. The firm utilizes various asset-allocation tools and supports multiple advisory platforms and legacy accounts.

Cesar Lopez is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Woodbury Financial Services and Questar Asset Management. Outside of advising, he serves as president of NLA Insurance Services, a company selling life, medical, fixed annuities, long-term care, and disability insurance products, and is a partner in a financial advisor back-office platform and a business property management LLC. OSAIC Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisors, offering brokerage and advisory services, financial planning, retirement consulting, and access to multiple managed account solutions. The firm employs various asset allocation tools and supports both discretionary and non-discretionary portfolio management across diverse investment products.

Daniel Perez is a Planning Consultant at Fidelity Investments, where he works with individuals and families to develop comprehensive financial plans, focusing on retirement planning and long-term financial goals. He helps clients understand their current financial situation, identify their objectives, and create personalized strategies aimed at achieving those goals. Daniel is dedicated to building lasting client relationships and supporting informed financial decisions throughout every stage of the financial journey. Daniel has been with Fidelity Investments since 2022, progressing from Financial Representative to Relationship Manager before his current role as Planning Consultant. Prior to joining Fidelity, he worked as an Operations Specialist at Newport Group from 2018 to 2022. He holds a California Insurance License. Outside of his professional work, Daniel has interests in camping, fitness, food, golf, and snowboarding.

Edward Auel is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and has prior experience managing financial reviews and participating in major decisions as a director at Butte Broadcasting Company, a radio station. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction across a broad investable universe.