Gerald Harshberger II is a financial advisor with LPL Financial in Roseville, CA, holding a Series 66 designation and 15 years of industry experience. He has been with LPL Financial since 2011. Outside of his advisory role, he operates as an independent insurance agent selling fixed non-variable insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a variety of advisory programs, financial planning, and retirement consulting, with both discretionary and non-discretionary management supported by research and model portfolios.

Christopher Nunn is a financial advisor at Mass Mutual Investors Services with 19 years of industry experience. He holds the Series 63 and Series 65 designations and has been with MML Investors Services LLC and MassMutual Life Insurance Company since 2015. Outside of his advisory role, he is also licensed as an independent life insurance agent. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software and collaborative annual planning to guide clients’ investment strategies.

Keith Allred is a financial advisor with Osaic Wealth, Inc. based in Roseville, CA, holding a Series 66 designation and five years of industry experience. Prior to joining Osaic in 2020, he served in the US Army from 2016 to 2020. He is also affiliated with Blueprint Financial & Insurance Services, LLC, where he is involved in financial services and life insurance. Osaic Wealth, Inc. serves a diverse client base including individual investors, institutions, and charitable organizations through a wide network of affiliated advisers and multiple advisory platforms. The firm employs various portfolio construction tools and offers integrated brokerage, advisory services, and access to third-party money managers.

Forrest Macneil is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 licenses and two years of industry experience. He has worked with Wells Fargo Bank, N.A. since 2004. Outside of his advisory role, he owns and operates a collectibles business selling items on eBay. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and including a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Kimberly Sutton is a Series 66 licensed financial advisor with 12 years of industry experience. She has been with LPL Financial since 2013 and also provides investment services through SAFE Credit Union, where she has worked since 2009. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a broad range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Phuoc Van is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds the Series 66 designation and has worked at JP Morgan Chase Bank, N.A. since 2018, following six years at JP Morgan Chase & Co. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm integrates advisory services with affiliated brokerage, distribution, and investment management capabilities.

Mark Teh is a financial advisor with MassMutual Investors Services holding a Series 66 credential and three years of industry experience. Prior to joining the firm, he worked with MML Investors Services LLC and MassMutual Life Insurance Company, and he also spent 15 years with Amazing Facts International. Outside of his advisory role, he owns and operates a law firm specializing in estate planning. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software to deliver written recommendations as part of annual collaborative planning engagements.

Sanaz Fasihiyazdi is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and four years of industry experience. She has worked at J.P. Morgan Securities since 2021 and previously spent four years with Bank of America. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm’s approach includes the use of an ESG eligibility framework and offers services on a non-discretionary basis.

Cono Spinelli is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career at Merrill Lynch in 1994 as an intern, entered a management training program in 1999, and became a financial advisor in 2001. Cono focuses on building and managing Fixed Income, Equities, and Options portfolios. He provides access to investment insights and supports clients in areas such as liquidity management, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategies, tax minimization, and retirement income. He holds a Bachelor of Science degree in Finance from Saint Thomas Aquinas College and holds the Personal Investment Advisor (PIA) designation. Cono's approach emphasizes understanding clients' life priorities to create personalized wealth management strategies tailored to their goals and aspirations. Outside of his professional role, Cono volunteers at Hackensack University Medical Center in both the pediatric and geriatric centers. In 2000, he established a scholarship fund in his mother's name for Jackson Avenue Elementary School in Hackensack, New Jersey. He lives with his wife and two children in El Dorado County and enjoys biking, gardening, and hiking.

Claudio Boroica is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds the Series 66 designation and has been with Wells Fargo Clearing since 2016, following a year at WELLS FARGO Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering a range of services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with options for both non-discretionary and discretionary management, including insurance-related investment vehicles and bank deposit sweep options.

Bradley Laczny is a financial advisor at Cetera with 23 years of industry experience and holds a Series 66 designation. His prior experience includes roles at JP Morgan Securities LLC and LPL Financial. He also owns a business, Laczny and Sons, which is unrelated to investments. Cetera Investment Advisers LLC is an SEC-registered advisor serving individual, retirement, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a multi-manager platform with various portfolio management options, including model portfolios, third-party managers, and bespoke strategies, overseeing more than $256 billion in assets.

Nicholas Pastorino is a financial advisor with Raymond James Financial Services Advisors who holds Series 63 and Series 66 credentials and has 20 years of industry experience. He has worked with Tri-Counties Bank since 2017 and has served as Director of Wealth Management there. Pastorino is also Vice President at Tri Counties Advisors and has responsibilities as an OSJ and active advisor. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individuals, high-net-worth investors, pension and profit-sharing plans, charitable organizations, and government entities. The firm offers tailored, primarily non-discretionary advisory solutions and maintains a notable involvement in municipal and public finance through its affiliation with Raymond James’ Public Financing department.

Eric Hanhold is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. Prior to his current role, he spent nine years working in Major League Baseball. 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 solutions tailored to plan objectives and risk tolerances. The firm’s advisory approach is IPS-driven and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

David Odom is a financial advisor with Ameriprise in Auburn, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Ameriprise and its affiliated entities since 2015. Odom serves on the Board of Directors for The Hillmen Foundation, a nonprofit that raises funds for the local high school. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets. The firm combines research and modeling with tax-efficient strategies to provide written recommendations, with a centralized team supporting advisors in delivering these services.

Bo Lowenberg is a financial advisor with Fidelity, holding Series 63 and Series 66 designations and possessing 21 years of industry experience. He has been associated with various Fidelity entities since 2005, including Fidelity Brokerage Services, Fidelity Personal and Workplace Advisors, and Fidelity Investments. Fidelity’s Strategic Advisers LLC, where Lowenberg operates, offers investment management and advisory services to retail and institutional clients, as well as registered investment companies. The firm combines proprietary research with quantitative analysis and algorithmic portfolio construction, managing model portfolios that include mutual funds, ETFs, and ETPs, and maintains unique roles such as commodity pool operator registration and advisory services to multiple investment funds.

Jacob Toomey is a financial advisor at Fidelity with Series 63 and Series 65 credentials and seven years of industry experience. His work history includes roles at Fidelity Investments, Strategic Wealth Advisors Group, LPL Financial, Principal Securities, Principal Life Insurance, Allstate Insurance, and Quest Technologies Management. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, employing a systematic investment process that combines proprietary research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs. The firm also serves in advisory roles for registered investment companies and uses algorithmic methods and AI in its research.

Patrick Mccusker is a financial advisor with Robert Baird & Co. in Roseville, CA, holding a Series 66 designation and 16 years of industry experience. He has been with Robert Baird & Co. since 2013. Outside of his advisory role, he serves as Treasurer for The Wright Way Foundation. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which advises a diverse client base including individuals, families, pensions, corporations, and charitable organizations. The group offers tailored consulting and portfolio services using a combination of in-house and third-party managers, with capabilities ranging from traditional equity and fixed-income strategies to more complex and non-traditional investments.

Keith Walker is a financial advisor at Stifel with 27 years of industry experience. He holds a Series 66 designation and has been with Stifel Nicolaus & Co Inc since 2010. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, providing both brokerage and investment advisory services. The firm’s investment approach relies on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to support asset allocation and financial planning.

Mark Mishler is a financial advisor at Edward Jones with 17 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2008. Outside of his advisory role, Mishler has temporary leadership responsibilities in his church, dedicating significant time to service activities over the next 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 advisory programs and investment options, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,000 financial advisors.

Jason Neyer is a financial advisor with LPL Financial, holding a Series 66 designation and 13 years of industry experience. His career includes prior roles at CalFIRE and Waddell & Reed, Inc., as well as various insurance carriers. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, advisory programs, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.