Adam Lymath is a financial advisor with Cetera, holding a Series 66 designation and one year of industry experience. He previously worked at LPL Financial LLC and Pacific Wholesale Mortgage. In addition to his advisory role, he serves as a firefighter with the City of San Rafael Fire Department. Cetera Investment Advisers LLC is an SEC-registered adviser offering a multi-manager platform to over 10,000 advisors and approximately 800,000 clients. The firm provides a range of portfolio management, financial planning, and retirement services to individuals, employer-sponsored plans, corporate, charitable, and institutional clients.

Daniel Poppers is a financial advisor at Ameriprise with 13 years of industry experience and holds the Series 66 designation. His prior experience includes roles at Golden State Wealth Management, LLC and LPL Financial, as well as Edward Jones. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service. The firm’s approach includes a written Recommendation Report and ongoing advice focused on income sources and tax-aware withdrawal strategies, utilizing proprietary research and algorithmic tools.

John Lischer is a financial advisor at LPL Financial with 12 years of industry experience and holds the Series 66 designation. His prior roles include positions at Mariner Independent Advisor Network, Strategic Wealth Advisors Group, Charles Schwab, Principal Funds Distributor, and Morgan Stanley. He provides administrative support to Mariner Independent Advisor Network, an independent registered investment advisory firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services through a large network of advisors using model portfolios, third-party subadvisors, and customized strategies.

Steven Frith is a financial advisor with LPL Financial, holding a Series 66 designation and 15 years of industry experience. He has been with LPL Financial since 2011 and has also been involved with The Golden 1 Credit Union since 2010, where he performs financial institution duties. 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, model portfolio programs, and institutional platforms.

David Torp is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 44 years of industry experience. He has worked at Linsco/Private Ledger Corp. since 2007 and Wells Fargo Investments from 2001 to 2007. Outside of his advisory role, he operates C&T Group, Investment Management LLC, which offers fixed insurance, long-term care insurance, and health insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors through a range of investment strategies and operational tools.

Cody Sloan is a CFP® professional with 20 years of experience in the financial services industry. He has been with Edward Jones since 2006, based in Roseville, 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 and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Sylvia Regalado is a financial advisor with Charles Schwab, holding a Series 66 designation and two years of industry experience. Her prior roles include positions at Rocket Mortgage LLC and Edge Home Finance Corporation. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services, offering both non-discretionary and discretionary investment options with a multi-asset model portfolio approach.

Nataliya Chernopiski is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and having eight years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2012 to 2016. Outside of her advisory role, she serves as treasurer for the City Bible Church of Sacramento. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm combines research from Wells Fargo Investment Institute and third-party sources to evaluate investment options, offering both brokerage and advisory solutions across a broad range of financial products.

Douglas Crumley Jr. is a financial advisor at Ameriprise with 21 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers specialized retirement-income planning services for individuals approaching or in retirement who meet certain asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Dexter Loo is a financial advisor with LPL Financial in El Dorado Hills, CA, holding Series 63 and Series 66 designations and with 21 years of industry experience. He has been with LPL Financial since 2009 and previously worked at Associated Planners Investment Advisory Inc., Associated Securities Corp., and FSC Securities Corporation. He also operates a separate business under the name Dennis Loo & Associates. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a broad network of over 22,800 advisors.

Michael Levitt is a financial advisor at Edward Jones in Fair Oaks, CA, holding a Series 66 designation. He has one year of industry experience, previously working at World Financial Group and with a background that includes roles at Kaiser Permanente, Washington Hospital, and Santa Clara Valley Medical Center. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with a range of investment strategies and advisory services. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,000 financial advisors and emphasizes both discretionary and non-discretionary portfolio management under a fiduciary standard.

Loel Heupel is a financial advisor with LPL Financial in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with LPL Financial since 2008 and previously worked at Osaic FA, Inc. from 2000 to 2008. Heupel is also involved in non-variable insurance and employee benefits consulting. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting its network of over 22,800 advisors.

Kristin Knight is a Financial Consultant at Fidelity Investments, a position she has held since 2024. Prior to this role, she worked as an Investment Consultant at Fidelity Investments from 2022 to 2024 and as a Financial Representative at the same company from 2021 to 2022. Before joining Fidelity Investments, Kristin was a Field Manager at Appreciation Financial from 2019 to 2021. In her work, Kristin collaborates with clients to develop personalized wealth plans aimed at achieving financial success. She focuses on building relationships that align personal and business values, fostering partnerships based on trust, advisement, and forward progress. Kristin holds a California Insurance License. Outside of her professional responsibilities, Kristin's personal interests include family activities, golf, hiking, parenthood, reading, and traveling.

David Loeffler is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked with Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, he is involved in radio and TV broadcasting and production as an on-camera and voice-over talent. 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 driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related investment options alongside traditional products.

Edgar Granados is an Investment Consultant at Fidelity Investments. He has previously served as a Relationship Manager at Fidelity Investments from 2022 to 2023 and as a Financial Representative from 2021 to 2022. He holds a California Insurance License. Edgar focuses on understanding his clients' priorities and helps structure their financial plans according to their unique situations. He guides clients in utilizing the resources available through Fidelity to achieve peace of mind. Edgar and his wife have lived in the Sacramento area for most of their lives. He enjoys spending time with family, exploring new restaurants, and pursuing personal hobbies including dance and cars. Additional personal interests include football, pets, and soccer.

Lisa Beile is a financial advisor with UBS Financial Services in Roseville, CA, holding Series 63 and Series 65 registrations and bringing 33 years of industry experience. She has been with UBS Financial Services since 2013. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans to clients' goals and risk tolerances.

Paul Lacoste is a financial advisor at Charles Schwab with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has been associated with Charles Schwab since 1999. Outside of his advisory role, he manages a small residential rental business in Sacramento. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios and centralized custodial and brokerage services.

Anthony Lopipero is a financial advisor with UBS Financial Services in Sacramento, CA, holding a Series 66 designation and bringing five years of industry experience. He has been with UBS since 2020 and also works as a bartender at Vanessa's Bistro. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, providing services such as fee-based financial planning, portfolio management, and capital markets solutions. The firm combines institutional trading capabilities with wealth management services through a network of financial advisors using proprietary research and model-based asset allocations.

Adam Wilson is Vice President and Financial Consultant at Fidelity Investments, where he has been serving clients in the Sacramento area since 2006. In his role, he partners with clients to develop financial plans and investment strategies tailored to their goals. Over the years, Adam has built enduring relationships with many clients who value his knowledge of markets and experience with investment strategies. Adam's career at Fidelity Investments includes progressive roles such as Financial Consultant, Investment Consultant, Senior Investment Representative, Investments Representative, and Financial Representative. He holds a California Insurance License, supporting his ability to address a range of financial needs. Outside of his professional work, Adam enjoys boating, camping, playing musical instruments, scuba diving, swimming, and traveling.

James Limoncelli is a financial advisor with Wells Fargo Clearing in El Dorado Hills, CA, holding Series 63 and Series 65 licenses and totaling 36 years of industry experience. His career history includes roles at Wells Fargo Advisors LLC, Morgan Stanley, and Prudential Equity Group, LLC. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, and retirement plan consulting, using research from Wells Fargo Investment Institute and third-party sources to guide its investment approach.