Adrian Shankar is a financial advisor with LPL Financial based in Sacramento, CA, holding a Series 66 designation and two years of industry experience. His prior roles include positions at New York Life Insurance Company and Golden 1 Credit Union’s investment services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and consulting services.

Javier Cardenas is a CFP®-designated financial advisor with 26 years of industry experience, currently with Cetera. His prior firms include Avantax and Oppenheimer & Co Inc. He is based in Elk Grove, CA. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options and serves over 800,000 clients through more than 10,000 advisors.

Tynessa Lowe is a financial advisor at Robert Baird & Co. with six years of industry experience. She holds the Series 66 designation and has been with Baird since 2020, following seven years at Flyers Energy. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group provides a range of consulting and portfolio services tailored to client goals, including discretionary and non-discretionary management, separately managed accounts, and complex investment strategies.

Cyril Shah is a financial advisor with Raymond James Financial in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Raymond James Financial Services and Shah Wealth Management since 2006 and served for 12 years at the American River Flood Control District. Shah is a board member of the Sacramento County Employees' Retirement System (SCERS), where he participates in overseeing the system’s staff and policies. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm emphasizes non-discretionary financial planning and investment consulting, supporting clients through tailored strategies, asset allocation analysis, and access to a wide range of investment solutions.

James Stark is a financial advisor with Primerica Advisors in Sacramento, CA, holding Series 63 and Series 65 licenses and possessing 43 years of industry experience. He has been associated with Primerica Advisors since 1982 and with Primerica Financial Services since 1980. In addition to his advisory role, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which features model-delivery strategies and discretionary separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap fee structure, overseeing portfolio management with the assistance of BNY Mellon Advisors.

Kai Sonoyama is a financial advisor at Fidelity with 22 years of industry experience. He holds Series 63 and Series 66 designations and has been associated with multiple Fidelity entities since 2006. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, management of fund-of-funds structures, and its role in delivering model portfolios through intermediary platforms.

Alexandar Milovanovich is a financial advisor with Wells Fargo Clearing in Roseville, CA, holding Series 63 and Series 65 credentials and seven years of industry experience. His prior work includes roles at U.S. Bancorp Investments and U.S. Bank. Outside of his advisory duties, he serves as treasurer for the California International School Parent Association. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Ryan Naake is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in comprehensive financial planning and wealth management strategies. He works closely with individuals, business owners, and employee retirement plans to develop personalized approaches that address their short- and long-term financial goals. His expertise encompasses areas such as college education planning, divorce transition planning, family wealth management, legacy planning, retirement income, and tax minimization. Ryan holds a Bachelor's Degree from the California State University System and has earned the Certified Financial Planner (CFP) designation as well as the Personal Investment Advisor (PIA) credential. He follows Merrill's Goals Based Wealth Management process to tailor strategies that reflect each client’s unique financial situation and objectives. Originally from Woodland, CA, Ryan has spent nearly all his life in the greater Sacramento area, where he enjoys outdoor activities including boating, fishing, skiing, golfing, camping, and adventure sports. He is also active in community volunteering in alignment with Merrill’s tradition of local engagement.

Travis Simas is a financial advisor at OSAIC with 11 years of industry experience. He holds a Series 66 designation and has previously worked at Lincoln Financial Advisors and CFD Investments. Outside of his advisory work, Simas performs as a musician in a band. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing various asset-allocation tools and third-party platforms to manage portfolios across multiple investment types.

Kevin Shimmel is a financial advisor with Morgan Stanley in Roseville, CA, holding Series 63 and Series 65 licenses and with 25 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is involved with a trust based in Rocklin, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by firm-approved tools and analysis from its Global Investment Committee.

Muhammad Abbas is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 65 and Series 63 designations and has worked at J.P. Morgan Securities since 2022. Outside of his advisory role, he is an owner and partner of an e-commerce business selling clothing items and accessories. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, delivering asset-allocation advice, investment manager searches, and customized performance reporting through a quantitative and ESG-informed approach.

James Bopp is a financial advisor with Morgan Stanley who holds a Series 66 designation and has 19 years of industry experience. He has been with Morgan Stanley Wealth Management since 2012 and also works with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutional clients. The firm emphasizes tailored financial planning supported by structured discovery processes and advanced planning tools.

Parker Boone is a financial advisor with OSAIC in Sacramento, CA, holding a Series 66 designation and two years of industry experience. Prior to joining OSAIC, he worked at Lincoln Financial Advisors Corporation and has been involved with Retirement Security Centers, where he assists financial planners with meeting preparation and business activities. He also has experience working in retail and food service sectors. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services using a range of portfolio management tools and supports both discretionary and non-discretionary accounts through a complex platform that includes multiple mergers and third-party arrangements.

Joann Doan is a financial advisor with Fidelity in Sacramento, CA. She holds a Series 66 designation and has one year of industry experience. Her prior roles include positions at UC Davis, Moss Adams, and the California Department of Transportation. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across various investment vehicles.

Thomas Tran is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds Series 63 and Series 66 licenses and has been with Wells Fargo Clearing Services LLC since 2017, also maintaining a role at Wells Fargo Bank NA since 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s approach is based on an IPS-driven process grounded in modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Wesley Holcomb is a financial advisor with LPL Financial in Sacramento, CA, holding Series 63 and Series 66 licenses and 21 years of industry experience. He has worked with LPL Financial since 2006, including a recent role at LPL Enterprise LLC. Outside of his advisory work, he coaches wrestling at Rio Americano in Sacramento. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Matthew Schmitt is a financial advisor with Robert W. Baird & Co. in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Robert W. Baird & Co. since 2009. He is part of the DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers a range of consulting and portfolio services tailored to client goals and risk tolerances, including discretionary and non-discretionary management, separately managed accounts, and overlay strategies.

Heather Clark is a financial advisor with Cambridge Investment Research Advisors in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. She has worked at Cambridge Investment Research since 2009 and previously at Richard Watson from 1996 to 2017. Outside of her advisory role, Clark serves as an assistant coach for the Rocklin Unified School District and is a board member and president of RRUFF, a nonprofit organization. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through independent Financial Professionals, utilizing a range of portfolio management and model-based solutions tailored to client objectives.

Jennifer Jackson is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. She has worked with Wells Fargo affiliates since 1999, including Wells Fargo Advisors, LLC and Wells Fargo Bank, N.A. Outside of her advisory role, she co-owns an online retail store, Cool Deal, LLC. Wells Fargo Clearing specializes in retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, providing both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, offering a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Sean Gannon is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been associated with Wells Fargo Clearing since 2016 and with Wells Fargo Advisors Financial Network since 2026. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including cash-flow, retirement, education, risk, and wealth-transfer planning, as well as specialized services such as business-owner transition planning and special-needs analysis.