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 Rancho Cordova, CA, holding a Series 66 designation and 25 years of industry experience. He has been with Equitable Advisors since 2000 and previously worked with Axa Advisors. Outside of his advisory work, he is a motivational speaker and trainer and operates a business focused on performance and entertainment. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage channels to implement client recommendations.

Violetta Terpeluk is a financial advisor with Ameriprise in Granite Bay, CA, holding a Series 66 designation and 23 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Outside of advising, she is an 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 offers retirement-income planning services primarily for clients approaching or in retirement with substantial investable assets, delivering personalized, research-driven recommendations that incorporate tax-efficient withdrawal strategies and Social Security optimization. The firm combines algorithmic modeling with advisor collaboration and provides a broad range of advisory, brokerage, and insurance solutions.

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® with 35 years of industry experience, currently serving as an advisor at Robert W. Baird & Co. since 2009. He holds a 20% ownership interest in Penryn Park Partners, a land development business. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which advises individuals, families, pensions, corporations, and institutional clients. The group provides a range of consulting and portfolio services tailored to client goals and risk tolerances, utilizing both in-house and third-party managers across traditional and non-traditional investment strategies.

Sun Kim is a financial advisor at Merrill with a Series 66 designation and 4 years of industry experience. He has been with Merrill since 2014. Outside of his advisory role, Kim works part-time in data entry and administrative tasks for All Asset Property Management. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and other institutional investors.

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.

Elizabeth Chavez is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley since 2012. Outside of her advisory role, she is the creator and sole proprietor of ShopMy, a fashion and retail business. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning using firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Alexis Zenahlik is a financial advisor with Robert W. Baird & Co., holding a Series 66 designation and two years of industry experience. Prior to joining Baird in 2022, Alexis held positions at JPMorgan Chase and the Nevada County Association of Realtors. Alexis is part of The DDK Group, a team within Baird’s Private Wealth Management practice that serves individuals, families, pensions, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services, utilizing a range of investment strategies and overlay services to meet client goals and risk tolerances.

Ryan Andrade is a financial advisor at Merrill in Sacramento, CA, holding a Series 66 designation with three years of industry experience. His prior work history includes roles at Premier Credit Union, Robert Half supporting Viking Cruises and Preferred Long Distance Inc, Uber, Hotel De Anza, and San Jose State University. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individual, high-net-worth, pension, charitable, and corporate clients. The firm’s approach integrates Merrill’s Chief Investment Office models with third-party management and leverages Bank of America’s broader platform of financial services.

Sarah Swearinger is a financial advisor at Fidelity with Series 63 and Series 65 credentials and 19 years of industry experience. Her prior roles include positions at CUSO Financial Services LP and Patelco Credit Union. She currently works in Newcastle, CA. 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 employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and serves as a commodity pool operator with a formal advisory role to multiple registered investment companies.

Robert Taylor Jr. is a financial advisor with Cetera who holds a Series 63 designation and has 32 years of industry experience. He has worked with Cetera Wealth Services, LLC since 1996 and has been associated with Cetera and Financial Network Wealth Advisors LLC since 2023 and 2024, respectively. Outside his advisory role, he is involved in local community activities including coaching and managing safety for the Land Park Pacific Little League. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to a variety of investment platforms including third-party managers and model portfolios.

Garrett Gilardi is a financial advisor with Wells Fargo Clearing in Folsom, CA, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2017 and has also worked at Wells Fargo Bank NA since 2015. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Dana Lanzaro is a financial advisor with Ameriprise in Roseville, CA, holding a Series 63 designation and 31 years of industry experience. Prior to joining Ameriprise in 2025, Dana worked at Safe Credit Union and LPL Financial, LLC for 18 years. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement income planning advice through written Recommendation Reports and ongoing annual reviews.

Sarah Chavez is a financial advisor at Thrivent Investment Management with eight years of industry experience. She previously worked at LPL Financial and operated the Sarah Greenway Insurance Agency. She holds Series 63 and Series 66 credentials. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial planning without discretionary trading authority. The firm offers a consolidated billing option called “WealthPlan” that combines planning and managed-account programs while maintaining them as separate services.