Mario Perez is a financial advisor at Robert W. Baird & Co. with 18 years of industry experience. He holds the Series 66 designation and has worked at Baird since 2020, with prior roles at Wells Fargo Clearing and Wells Fargo Investments. Mario is part of The DDK Group within Baird’s Private Wealth Management department, which serves individuals, corporate clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of financial planning and portfolio management services, utilizing both manager-traded and model-traded separately managed account strategies along with tax-management and direct-indexing capabilities.

Thomas Goode is a financial advisor at Morgan Stanley with 46 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and uses structured tools and models in its planning process.

Craig Mcloughlin is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets from 1994 to 2009. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process includes structured discovery and the use of firm-approved tools, serving clients both directly and through corporate financial planning agreements.

Terry Ward is a financial advisor with Merrill in Sacramento, CA, holding a Series 66 designation and 16 years of industry experience. He has been with Merrill Lynch since 2010 and has also worked at Bank of America, N.A. since 2011. 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 a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Artur Bukatar is a financial advisor with Primerica Advisors in Roseville, CA, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has been affiliated with PFS Investments Inc. since 2011 and Primerica Financial Services since 2010. Outside of advisory work, he receives compensation for referrals related to home security, automation products, and loan services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed accounts primarily for individual and high-net-worth clients. The firm uses a tiered wrap fee structure and curates third-party asset managers, with trading and execution delegated to BNY Mellon Advisors.

Lena Ronzone is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 65 designations and 13 years of industry experience. She has been with Wells Fargo Clearing since 2016 and has worked with Wells Fargo Bank NA since 2010. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm provides a range of investment advisory services, financial planning, and retirement plan consulting, leveraging research from its Investment Institute and third-party sources to support diversified portfolio strategies.

Judy Seibold is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management in Roseville, California. With a career beginning at Prudential Securities, she joined Merrill in 1994 and co-founded the Jalli/Seibold Group alongside Leonard Jalli. The team brings more than 60 years of combined financial services experience, focusing on helping high-net-worth individuals and families manage the complexities of their wealth through personalized strategies. Judy's expertise spans college education planning, family wealth management, services for endowments and foundations, and retirement income planning among others. She is also a Merrill Lynch Wealth Management Retirement Benefits Consultant, advising corporate retirement benefit plans across the country. Judy holds a Bachelor of Science degree in financial services from Brigham Young University and maintains several professional designations including CERTIFIED FINANCIAL PLANNER4, Certified Plan Fiduciary Advisor4, and Chartered Retirement Planning Counselor4. Residing in Sacramento with her wife and children, Judy is involved in her community and enjoys endurance sports such as running, swimming, and cycling. She has completed events like IRONMAN Coeur d'Alene and values spending time outdoors with family and friends.

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 in Sacramento, CA, holding Series 63 and Series 66 designations and 11 years of industry experience. She has been with Wells Fargo Clearing since 2016 and with Wells Fargo Bank, N.A. since 2009. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and supports more than 14,000 financial advisors, providing both brokerage and advisory solutions.

Daniel Saelee is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He has been with J.P. Morgan Securities since 2012 and also has experience at JPMorgan Chase Bank, N.A. and Cellular Experts Inc. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

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.

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 with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. His career includes roles at Wells Fargo Investments and Banc of America Investment Services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, utilizing research and analytics to support a range of brokerage and advisory solutions.