Jeffrey Olsen is a financial advisor with Raymond James & Associates, holding Series 63, 65, and 66 licenses and bringing 25 years of industry experience. Prior to joining Raymond James in 2023, he worked at Morgan Stanley in various capacities from 2010 to 2023. He serves as president of the board for a family-held corporation involved in managing land and mineral rights. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting through a variety of non-discretionary advisory programs and specialized municipal advisory services.

Shoaib Sarwar is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and 10 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC and Wells Fargo Bank, N.A. Outside of his advisory role, he works as a Lyft driver in Sacramento, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s process is IPS-driven and includes a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Luz Meraz Johnson is a financial advisor with LPL Financial in Granite Bay, CA, holding a Series 66 designation and 19 years of industry experience. She has been with LPL Financial since 2010. Outside of her advisory role, she is involved as a wellness advocate with DoTerra and participates in a training and education program through Aging Well of CA LLC. 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 offers a range of financial planning and advisory programs, retirement consulting, and brokerage services supported by research from LPL Research and third-party subadvisors.

John Duwe is a financial advisor with LPL Financial, holding a Series 66 designation and bringing eight years of industry experience. He has worked at LPL Financial since 2017 and concurrently serves at SAFE Credit Union since 2015. He is also involved as a non-variable insurance producer at Back Nine. 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 offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Eric Schraeder is a Vice President and Wealth Planner at Fidelity Investments, where he has been serving since 2016. In this role, he partners with families to prioritize wealth planning goals and prepare for both certainties and unknowns they may face. He has over a decade of experience in financial advisory, having worked as a Financial Advisor at US Bancorp Investments, Inc. from 2011 to 2016, and previously at UBS Financial Services and Wells Fargo Advisors from 2007 to 2011. Eric holds a California Insurance License.

Jeffrey Sundberg is a financial advisor with Charles Schwab in Folsom, CA, holding Series 63 and Series 66 licenses and 30 years of industry experience. His career includes over two decades at TD Ameritrade and a brief tenure at Fidelity Investments before joining Charles Schwab in 2022. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, supported by a multi-asset portfolio approach and centralized operational infrastructure.

Sita Lalchandani is a CFP® with 30 years of industry experience, currently an advisor at Cetera. She has been with Cetera Advisors LLC since 2012 and joined Cetera in 2024. Outside of her advisory role, she is involved with GLH&C Financial Services, a securities and fixed insurance business. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Roosevelt Kirby is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and having 36 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 1989. His other business activities include sales of loan products and home-related services through affiliates of PFS Investments Inc. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and selectively managed accounts for individual and high-net-worth clients within a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors.

David Degrandmont is a financial advisor with Wells Fargo Clearing in Roseville, CA, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Bank of America and Merrill. Wells Fargo Clearing provides retirement plan consulting for qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services grounded in an IPS-driven process and modern portfolio theory. The firm’s offerings include a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Christopher Petralli is a financial advisor with Morgan Stanley in Roseville, CA, holding a Series 66 designation and 18 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Wells Fargo Clearing. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery and firm-approved tools, emphasizing advisory services without providing individual security recommendations as part of standalone planning.

Reginald Willhite is a financial advisor at LPL Enterprise with four years of industry experience. He holds the Series 66 designation and has previously worked at The Prudential Insurance Company of America, Pruco Securities LLC, Stryker, and Allergan PLC. Willhite operates under the Katz Team and Katz Group DBAs, through which he offers comprehensive wealth management services including financial planning, investment management, and insurance solutions. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutions, providing services through advisory and brokerage channels. The firm combines adviser programs with active financial product sales and utilizes third-party asset managers and model portfolios in its investment approach.

Jeffrey Chorn is a financial advisor with Fidelity, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has been with Fidelity Investments and its affiliated entities since 2011. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios and deliver model portfolios to intermediary platforms.

Vladislav Avdeyuk is a financial advisor affiliated with LPL Financial, holding a Series 66 credential and with five years of industry experience. He has worked with LPL Financial since 2016 and has also been involved with Mariner Independent Advisor Network, LLC. Outside of his advisory role, he provides administrative support to Mariner Independent Advisor Network, an independent investment advisor firm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large national network. The firm offers a range of advisory programs, financial planning, and retirement consulting services, employing both discretionary and non-discretionary management with access to various model portfolios and research resources.

Kulvinder Rai is a financial advisor with LPL Financial in Fair Oaks, CA, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has worked with LPL Financial since 2012. Rai also serves as a trustee in a fiduciary capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, financial institutions, corporations, and charities. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and technology.

Steven Hudgins is a financial advisor at Robert W. Baird & Co. with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Stifel Nicolaus & Co., Wells Fargo Clearing, Wells Fargo Advisors LLC, Morgan Stanley, and A. G. Edwards & Sons, Inc. He is part of The DDK Group within Robert W. Baird’s Private Wealth Management department, which serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management through separately managed accounts, and municipal advisory services, supported by ongoing manager selection and internal research.

Raina Montgomery is a financial advisor with Edward Jones in Carmichael, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, she worked in various educational roles including positions at Capital Christian School and Victory Christian School. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of approximately 23,700 financial advisors.

Sean Lucas is a Senior Vice President and Wealth Management Advisor with Merrill Lynch Wealth Management, where he is a partner in the Lucas Cronin Group. He began his financial services career in 1995 and focuses on building long-lasting relationships with clients by delivering a comprehensive approach to wealth management. Sean’s approach emphasizes understanding clients’ life priorities to create personalized strategies tailored to their goals and aspirations. Sean and the Lucas Cronin Group serve business owners, executives, entrepreneurs, and families with services that include personal retirement planning, portfolio management, and retirement income strategies. The team combines modern wealth management techniques with access to Bank of America’s banking services to simplify clients' financial lives. Sean holds multiple professional designations including Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Sean earned a bachelor’s degree from the California State University System. Outside of his professional work, he enjoys music, spending time with his family, and watching movies.

Richard Osen III is a financial advisor at Ameriprise in Sacramento, CA, holding a Series 66 designation. He began his advisory career at Ameriprise in 2024 after prior roles at Sutter Builders, Strike Tax, and positions at two country clubs and a high school. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored recommendation reports. The firm operates as a large institutional provider offering a broad range of advisory, brokerage, and insurance solutions.

Ashish Desai is a financial advisor with LPL Enterprise in Roseville, CA, holding Series 63 and Series 65 credentials and three years of industry experience. His prior roles include positions at NYLIFE Securities LLC and New York Life Insurance Company. LPL Enterprise serves a diverse range of clients, including individuals, retirement plans, nonprofits, corporations, and institutional clients, offering both advisory and brokerage services through a platform that integrates financial planning, model portfolios, third-party asset management, and insurance products.

Alexander Cushner is a financial advisor at Robert W. Baird & Co. with 33 years of industry experience. He has been with Robert W. Baird since 2011 and holds Series 63 and Series 65 licenses. Outside of his advisory role, Cushner serves as a board member of the Mill Valley Community Golf Board and is a limited partner in a local gastrobar. He is part of the DDK Group within Robert W. Baird’s Private Wealth Management practice, which provides tailored financial planning and portfolio management services to individuals, families, institutions, and charitable organizations, utilizing a range of traditional and non-traditional investment strategies.