Michael Little is a financial advisor with Morgan Stanley in Sacramento, CA, holding a Series 66 designation and bringing 12 years of industry experience. He has been with Morgan Stanley since 2013 and with Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory work, he has been involved in local politics as a meet and greet coordinator for a Vacaville City Council campaign. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs supported by firm-approved tools and a structured planning process.

Xue Zheng is a financial advisor with Charles Schwab & Co., Inc., holding Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Schwab in 2025, Xue worked at Bank of America, Merrill, and HSBC. Outside of advisory work, Xue owns and manages several rental properties. 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 combines non-discretionary advisory with access to affiliated discretionary SMAs, offering multi-asset model portfolios and a centralized operational structure.

Sean Mullin is a financial advisor with LPL Financial in Sacramento, CA, holding Series 65 and Series 66 credentials and bringing 28 years of industry experience. Prior to joining LPL Financial in 2023, he worked at BMO Bank NA since 2016 and BancWest Investment Services from 2016 to 2023. Outside of his advisory role, he is associated with a family business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, using both discretionary and non-discretionary management supported by internal and third-party research.

Theresa Schnetz is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. She joined Raymond James in 2025 after a 15-year tenure at Merrill. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, and municipal entities with a broad range of financial planning and consulting services. The firm utilizes a variety of portfolio management styles supported by affiliated research and offers specialized municipal advisory and employer consulting programs.

Ronald Segon is a financial advisor at Cetera with 22 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at firms including LPL Financial, Next Financial Group, and Calton & Associates. He is involved with Sierra Ridge Wealth Management, a DBA related to his advisory business. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm provides a range of portfolio management and financial planning services through a multi-manager platform with options including model portfolios, third-party managers, and bespoke strategies.

Vanessa Ray is a financial advisor at Merrill with Series 63 and Series 66 licenses and three years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Bank. 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.

Guy Lamb is a financial advisor at LPL Financial with 20 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. His prior experience includes roles at BMO Bank NA, Mariner Wealth Advisors, Fifth Third Wealth Advisors LLC, and Wells Fargo. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting through a national network of investment adviser representatives.

Rebecca Horrell is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 11 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at WELLS FARGO Advisors, LLC from 2014 to 2016, with additional experience at Wells Fargo Bank since 2003. Outside of her advisory role, she serves as treasurer for Summitview Child and Family Services, where she participates in financial policy development and organizational governance. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related investment options and bank deposit sweep programs among its offerings.

John Pruess is a financial advisor at UBS Financial Services with 27 years of industry experience. He holds Series 63 and Series 66 credentials and has been with UBS since 2015. Based in Sacramento, CA, he provides services through one of the largest financial advisory firms. UBS Financial Services serves individual, corporate, and institutional clients offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, operating as a broker-dealer, investment adviser, and futures commission merchant.

Jason Won is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and its Private Bank division since 2013 and 2015, respectively. Morgan Stanley Wealth Management offers a range of advisory programs to both individual and institutional clients, emphasizing structured financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides tailored financial planning through its Financial Advisors and Estate Planning Strategies Group.

David Aton is a CFP®-designated financial advisor with 29 years of industry experience. He has been with Ameriprise since 2005, currently serving clients through its Roseville, CA office. Outside of advisory work, he is involved in independent insurance brokering, including life and health insurance products. Ameriprise offers a retirement-income planning service tailored to individuals nearing or in retirement with significant investable assets. The firm’s approach combines research, modeling, and tax-efficiency analysis to provide non-discretionary recommendations through a centralized consulting team, emphasizing managed accounts and algorithmic support in its planning process.

Daniel Alcantar is a Series 66 licensed financial advisor with Wells Fargo Advisors, based in Roseville, CA. He has nine years of experience with Wells Fargo Clearing Services LLC and over two decades with Wells Fargo Bank, NA. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients meeting certain net-worth thresholds, including specialized areas such as business-owner transition and special-needs planning.

Kevin Thelen is a financial advisor at OSAIC with 18 years of industry experience. He holds Series 66 and Series 63 licenses and has worked previously at Woodbury Financial Services and Genovese Burford & Brothers. In addition to his advisory role, he is a partner at Prospero Wealth Advisors, where he oversees a fee-based asset management program and supports 401(k) business growth. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charities through a large network of affiliated advisers and advisory platforms. The firm provides integrated brokerage and investment advisory services, financial planning, and managed accounts using asset-allocation tools and risk-tolerance analysis, with offerings that include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Matthew Perkins is a financial advisor with LPL Financial in Citrus Heights, CA. He holds a Series 66 designation and has 10 years of industry experience. Perkins has worked with LPL since 2013 and is also associated with Golden 1 Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base, including 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, combining discretionary and non-discretionary management with access to model portfolios and research.

William Carson is a financial advisor with Osaic, holding Series 65 and Series 63 credentials and over 40 years of industry experience. He has worked with Royal Alliance Associates since 2018 and previously spent 36 years at JHFN Signator Investors. Outside of advisory work, Carson operates a sole proprietorship as an insurance agent, writing approximately one life insurance policy and one annuity annually. Osaic Wealth, Inc. serves a diverse client base including retail, high-net-worth, and institutional investors through a broad network of affiliated advisers. The firm offers integrated advisory and brokerage services, utilizing asset-allocation tools and third-party platforms to manage portfolios that include a range of investment products on discretionary or non-discretionary bases.

Brent Scott is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 1997. He has more than three decades of experience in the investment industry, including four years as a Financial Advisor at Ameriprise (formerly IDS American Express Financial Advisors) from 1993 to 1997. Brent focuses on helping clients protect and grow their wealth through customized financial and retirement plans. With 29 years at Fidelity, Brent emphasizes the importance of listening to clients to develop strategies that align with their lives and goals. He holds a California Insurance License, which complements his financial consulting expertise. Outside of his professional work, Brent enjoys attending concerts, fitness activities, social events with friends, reading, skiing, and traveling.

Linda Wenker is a financial advisor with LPL Financial, holding Series 63 and Series 65 registrations and bringing 41 years of industry experience. Prior to joining LPL Financial in 2025, she worked at Western International Securities, Inc. for 17 years. Her other business activity includes serving as a non-variable insurance agent. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, supported by both discretionary and non-discretionary management and a variety of model portfolio options.

Kathleen Toschi is a financial advisor at Raymond James Financial with 11 years of industry experience. She holds a Series 66 designation and has previously worked at Edward Jones, Bank of America, Merrill, and Motif Capital Management. Outside of her advisory role, she is an owner and artist of an art website and serves as a committee member for Impact 100, a women-run nonprofit awarding grants to local organizations. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools, and supports a broad advisor network with specialized programs in municipal finance and SIMPLE IRA employer advisory services.

Joseph Bonacci is a financial advisor with LPL Financial based in Roseville, CA. He holds the CFA® designation along with Series 66 and Series 63 licenses and has 15 years of industry experience. His prior roles include positions at Northwestern Mutual and Cetera, among others. Bonacci is also involved with Sierra Ridge Wealth Management, a DBA for his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting supported by model portfolios and research from internal and third-party sources.

Julie Hassna is a financial advisor at Stifel with 11 years of industry experience. She holds the CFP®, ChFC®, and Series 63 designations. Prior to joining Stifel in 2022, she worked at Northwestern Mutual in various roles from 2014 to 2022. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach is based on proprietary analysis and forward-looking capital market assumptions developed by its Investment Strategy Group.