James Apgar is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has been with J.P. Morgan Securities since 2012 and also has a longstanding role at JPMC BANK NA. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence. The firm offers non-discretionary advice through a structured process that includes an ESG eligibility framework and access to a broad range of approved funds and strategies.

Michelle Mccormick is a financial advisor with LPL Enterprise holding a Series 66 designation and one year of industry experience. Prior to joining LPL Enterprise, she operated MCORMC Marketing and spent over a decade at Michelle Hodge, DC. She continues to be involved with MCORMC Marketing as an outside business activity. LPL Enterprise serves a diverse client base, including individual and high-net-worth investors, retirement plans, and charitable entities. The firm employs a model-driven investment approach utilizing portfolios developed by its research department and third-party strategists, while also offering financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

John Durham is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and eight years of industry experience. His prior roles include positions at PNC Investments LLC, New York Life Insurance Co, and various Wells Fargo entities. Outside of his advisory work, he co-owns Beauty House Esthetics LLC, a beauty services business based in Stockton, California. 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, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Babita Samtani is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and 11 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously held roles at WELLS FARGO Advisors, LLC and Wells Fargo Bank, N.A. She is based in Rancho Cordova, California. 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 process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Samuel Hoppe is a Series 66-licensed financial advisor with 19 years of industry experience. He is currently with OSAIC and has previously worked at Woodbury Financial Services and Questar Asset Management. In addition to his advisory work, he is a partner in a CPA tax practice providing tax consulting and preparation services. Osaic Wealth, Inc. serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services through a large network of advisers. The firm utilizes asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios across multiple asset classes, supporting both discretionary and non-discretionary account management.

James Orchard is a financial advisor at Ameriprise with a Series 66 designation and less than one year of industry experience. His prior work includes roles in the hospitality sector and teaching at several California high schools and colleges. Ameriprise offers retirement-income planning services tailored for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendations through a centralized consulting team.

Carl Wenger is a Series 66-licensed financial advisor with Edward Jones in Sacramento, CA, and has eight years of industry experience. He has been with Edward Jones since 2017 and previously worked at Shady Lady Inc from 2010 to 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of financial advisors and branch offices.

David Kluenker is an Investment Consultant at Fidelity Investments, a role he has held since 2024. He focuses on understanding clients' needs and priorities to provide tailored perspectives and professional insights that support informed financial planning decisions. David has extensive experience in the financial services industry. Prior to his current position, he served as a Senior Investment Specialist at Principal Financial Group from 2019 to 2023, and as an Internal Wholesaler at the same firm from 2007 to 2019. He began his career as a Financial Representative with Northwestern Mutual from 2001 to 2007. He holds a California Insurance License. Outside of his professional work, David has personal interests that include cars, family activities, fitness, movies, skiing, and traveling.

Mandeep Kaur is a financial advisor at Raymond James Financial with 20 years of industry experience. She holds a Series 66 designation and has worked at multiple firms, including a ten-year tenure at First Tech Federal Credit Union. Outside of her advisory role, she owns an Amazon fulfillment business operating through Alibaba. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and nonprofit organizations. The firm focuses on tailored, non-discretionary planning and employs analytical tools to support client decision-making, offering a range of advisory programs and specialized services.

Courtney McHarg is a financial advisor at LPL Financial with 26 years of industry experience. She has worked at LPL Financial since 2015 and previously spent 15 years at Ameriprise. Outside of her advisory role, she coaches volleyball at Sacramento Waldorf School. 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 financial planning and investment management services, employing model portfolios, third‑party subadvisors, and customized strategies across various asset classes.

Mercy Maina is a financial advisor with Equitable Advisors in Roseville, CA, holding a Series 66 credential and six years of industry experience. Her prior roles include positions at Tesla, California Air Resources Board, and several educational institutions. She is also involved with an independent wealth management venture, Impact Wealth Management. Equitable Advisors serves a wide range of clients, including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management programs through a network of Investment Adviser Representatives. The firm utilizes various third-party advisory programs and focuses on personalized client assessment and matching to appropriate investment solutions.

John Lymath Jr. is a financial advisor at Cetera with 28 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at LPL Financial, SCF Securities, and Resource Investment Architects, among others. He also operates a wealth management business under a DBA related to his LPL activities. Cetera Investment Advisers LLC is a large nationwide network of independent advisors that serves individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services with various program structures and access to both affiliated and third-party managers.

Denis Valle Jr. is a financial advisor at Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 66 credentials with 27 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Nicole Fuentes is a financial advisor at Morgan Stanley in Menlo Park, California, with 21 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2009. Outside of her advisory role, she is a partner in She Rises Connective LLC, a retail and online store based in Sacramento, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools alongside investment modeling techniques.

Carmen Jennett is a financial advisor with Osaic Wealth, Inc., holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. Her background includes roles at Woodbury Financial Services, Mutual of Omaha, Mass Mutual, and MetLife Securities. Outside of advisory work, she is involved in community business networking as the director of a local referral club and provides budgeting coaching using the You Need a Budget (YNAB) system through her sole proprietorship. Osaic Wealth, Inc. serves a diverse client base including individual investors, institutions, and charitable organizations, offering integrated brokerage, advisory services, and financial planning through a large network of affiliated advisors. The firm employs various asset-allocation tools and third-party platforms to manage portfolios across multiple investment types, supporting both discretionary and non-discretionary accounts.

Lufino Mejorado is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo-related entities since 2013. In addition to his advisory role, he operates Timeless Music Productions as an audio engineer, providing sound engineering services for events. Wells Fargo Clearing offers retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, providing both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Kimberly Ogden is a CFP®-designated financial advisor with 20 years of industry experience, currently with Cetera. She has been affiliated with Cetera Wealth Services since 2013 and operates a financial planning business under the name Atherton Wealth Advisors. In addition to advisory services, she is also licensed to sell fixed life insurance products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary authorities, and has more than 10,000 advisors managing over $256 billion in assets.

Matthew Hamilton is a financial advisor at Charles Schwab with six years of industry experience. He holds the Series 66 designation and has held positions at TD Ameritrade, New York Life Insurance Company, Edward Jones, and Tesla Inc. among others. Charles Schwab & Co., Inc. serves a large client base, 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 and discretionary investment management with a multi-asset model portfolio approach and centralized custody and order-routing arrangements.

Michael Fredrick is a financial advisor at Ameriprise with 20 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. Prior to joining Ameriprise in 2022, he worked at DWS Investments Distributors, Inc for 12 years and at Columbia Management Investment Advisers, LLC for one year. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written Recommendation Reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Joshua Reider is a CFP® professional with 20 years of industry experience, currently affiliated with Cambridge Investment Research Advisors since 2019. He has prior experience with FSC Securities Corporation and American United Life. Outside of advisory work, he is registered as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, employing a variety of portfolio management strategies and platform arrangements tailored to client objectives.