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.

Jeremy Lenser is a financial advisor with Edward Jones in Lodi, CA, holding a Series 66 designation and 16 years of industry experience. He has been with Edward Jones since 2010. Outside of his advisory role, he owns and manages a commercial property in Lodi. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide array of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm is notable for its extensive advisor network, branch footprint, and affiliated services beyond advisory offerings.

Erin Lenser is a financial advisor with Edward Jones in Lodi, CA, holding the CFP®, ChFC®, and Series 66 licenses and having 10 years of industry experience. She has been with Edward Jones since 2016. Outside of her advisory role, Lenser serves as Foundation Chair for the Lodi Sunrise Rotary, coordinating donations to the Rotary Foundation. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated investment options. The firm operates under a fiduciary standard and maintains a large retail advisor and branch network.

Hubert Stokes is a financial advisor at Edward Jones with 21 years of industry experience, including 16 years at Principal Funds prior to joining Edward Jones in 2024. He holds the Series 66 designation and is based in Elk Grove, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices nationwide.

Linda Freeling is a financial advisor at Merrill with 19 years of industry experience. She holds a Series 66 designation and has worked at Bank of America and Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2014. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Tom Burns is a financial advisor with Ameriprise in Lodi, CA, holding a Series 63 designation and 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he participates as a professional pool player in regional 9-ball and 10-ball tournaments. Ameriprise offers retirement-income planning services targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to create personalized recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Aaron Lockhart is a financial advisor at Edward Jones with 11 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2015. In addition to his advisory role, he has worked at Prima Games, a division of Random House Inc., since 2005. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm offers a range of investment programs and advisory services supported by a nationwide network of financial advisors and branch offices.

Nancy Dao is a financial advisor with Merrill in Elk Grove, CA, holding a Series 66 designation and three years of industry experience. Prior to joining Merrill and Bank of America in 2023, she was part owner of a family fast food restaurant and was involved in other business ventures. The restaurant ceased operations in 2022. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Cliff Xu is a financial advisor at Edward Jones in Elk Grove, CA, holding Series 63 and Series 65 licenses with eight years of industry experience. Prior to joining Edward Jones in 2022, he worked at Wells Fargo Bank NA and Wells Fargo Clearing Services LLC for five years, as well as BBVA Securities Inc and related entities for two years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Cheri Yu is a financial advisor at Fidelity with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley and LPL Financial, among other firms. Fidelity, through its Strategic Advisers LLC division, provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its roles as a commodity pool operator and advisor to multiple registered investment companies, as well as for its use of algorithmic methods and AI in research.

Christopher Olsen is a financial advisor with Ameriprise in Lodi, CA, holding a Series 63 designation and 40 years of industry experience. He has been with Ameriprise and its affiliated entities since 1986. Olsen serves on the Board of Directors for the Lodi Tokay Rotary Club, a community service organization. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which includes a written Recommendation Report and ongoing annual advice focused on dependable income sources and tax-aware withdrawal strategies.

Daniel Castillo is a financial advisor with Ameriprise in Lodi, CA, holding a Series 66 designation and 12 years of industry experience. He has been with Ameriprise and its affiliated entities since 2012. Castillo serves on the Board of Directors for the Lodi Community Foundation. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria, delivering written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to provide tailored, non-discretionary recommendations through a centralized consulting team.

David Phillips is a financial advisor with LPL Financial in Lodi, CA, holding the CFP® and CFA® designations and the Series 66 license. He has 26 years of industry experience, including three years at Waddell & Reed before joining LPL Financial in 2003. In addition to his work as an advisor, Phillips is licensed to practice law in California. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, supported by advanced operational tools and a broad network of investment adviser representatives.

Joel Hemmings is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Securities America Advisors, Inc. and SECURITIES AMERICA, inc. from 2008 to 2024. Hemmings is also a principal at RIOS & ASSOCIATES, INC., where he spends part of his time managing securities and insurance activities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing various tools and third-party platforms to construct portfolios across multiple asset classes, with both discretionary and non-discretionary management options.

Elizabeth Festejo is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 27 years of industry experience. She has been associated with Cetera and its affiliated entities since 2014. Outside of her advisory role, she is involved in managing De Novo Wealth Management and works as an insurance agent specializing in life, health, annuities, and disability products. Cetera Investment Advisers LLC operates a multi-manager platform serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and consulting services through a large network of independent advisors.

Sean O’Neill is a CFP® professional with 15 years of experience, currently serving as a financial advisor at Edward Jones since 2011. He holds the Series 66 designation and operates out of Galt, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Hong Van is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Chase Bank and its securities affiliates since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, using a combination of quantitative asset-allocation modeling and centralized due diligence, with an emphasis on ESG criteria and a non-discretionary advisory approach.

Dakota Van Dyke is an Investment Advisor Representative at Cambridge Investment Research Advisors with one year of industry experience. He holds the Series 66 designation and has a background that includes coaching youth sports through the Elk Grove Unified School District. Cambridge Investment Research Advisors serves a wide range of clients, including individuals, retirement plans, and charitable organizations, offering financial planning, investment management, and retirement plan advisory services through a large network of independent Financial Professionals. The firm provides both proprietary and third-party model strategies and employs multiple platform arrangements tailored to client objectives.

Benjamin Kobrin is a financial advisor at OSAIC with 22 years of industry experience and holds a Series 66 designation. His prior experience includes roles at Securities America Advisors and National Planning Corporation. He is also involved in insurance sales through Smith, Gatschet & Kobrin Financial Group, where he recommends insurance products as part of comprehensive financial planning. OSAIC serves a diverse range of retail and institutional clients, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs various portfolio construction tools and supports both discretionary and non-discretionary account management across multiple investment types.

Lay Hagan is a financial advisor at Fidelity with six years of industry experience. He holds a Series 66 designation and has previously worked at Merrill Lynch/Bank of America and California Bank and Trust. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, as well as registered investment companies, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also manages multi-manager and fund-of-funds structures and utilizes systematic methodologies and long-term asset allocation benchmarks in its investment process.