Travis Barnhard is a financial advisor at Fidelity with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Merrill and Wells Fargo Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across mutual funds, ETFs, and ETPs.

K. Smith is a financial advisor at Osaic with 43 years of industry experience and holds a Series 63 license. Prior to joining Osaic in 2024, Smith spent nearly three decades with Securities America Advisors, Inc., beginning in 1995. Outside of advisory work, Smith owns Capital Financial Services, a tax preparation, tax planning, and insurance business. Osaic Wealth, Inc. serves a diverse range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing various asset-allocation tools and third-party platforms to construct and manage portfolios that include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Brian Neunzig is a CFP®-designated financial advisor with Morgan Stanley, based in Roseville, CA, with 32 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2012, including Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured discovery processes and proprietary tools, including Monte Carlo simulations, to develop financial plans.

Lindsay Fawcett is a financial advisor with Wells Fargo Clearing, holding Series 65 and Series 63 licenses and bringing nine years of industry experience. She has worked at Wells Fargo and Wells Fargo Clearing since 2012. Outside of her advisory role, she serves as president of a homeowners association in Tampa, Florida. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Christopher Freehill is a financial advisor with LPL Financial in Folsom, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked with LPL Financial since 2010. Outside of his advisory role, he operates a motocross racing team through a business he owns called Moto ID. 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 offers financial planning, advisory programs, retirement plan consulting, and brokerage services, featuring discretionary and non-discretionary management supported by in-house and third-party research.

Judy Ruiz is a financial advisor at Robert W. Baird & Co. in Roseville, CA, holding Series 63 and Series 65 licenses with 26 years of industry experience. She previously worked at Wells Fargo Advisors, LLC and Wells Fargo Clearing before joining Baird in 2020. She is part of The DDK Group, a team within Baird’s Private Wealth Management practice that serves individuals, families, pensions, corporations, and charitable organizations. The team offers customized financial planning and portfolio management services, utilizing both in-house and third-party managers across a range of traditional and non-traditional investment strategies.

Lee Stipp is a financial advisor with Mass Mutual Investors Services in Roseville, CA, holding a Series 66 designation and four years of industry experience. He has worked with Mass Mutual Investors Services since 2021 and MassMutual Life Insurance Company since 2020. Outside of his advisory role, he is the owner and operator of a retail laser-etched glassware business. Mass Mutual Investors Services 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 collaborative and software-supported approaches to develop written recommendations tailored to clients’ goals.

Andrew Dunnigan is a financial advisor with Morgan Stanley in Folsom, CA, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools supported by the Global Investment Committee’s return estimates and modeling techniques.

Joshua Myer is a CFP® professional with 10 years of industry experience. He has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a network of over 23,700 financial advisors, offering a range of advisory strategies, affiliated mutual funds, and additional financial services.

Ioana Rives is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds the Series 63 and Series 66 designations and has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Brendan Snyder is a financial advisor at LPL Enterprise with 15 years of industry experience and holds the Series 66 designation. His career includes roles at Prudential Insurance Company of America, Pruco Securities, LLC, BenefitFocus, and Axa Advisors, LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, model wealth portfolios, third-party asset management, and access to a range of brokerage and insurance products through an integrated platform.

Michael Bandy is a financial advisor at Edward Jones with a Series 66 license and one year of industry experience. His prior work includes roles at Liberty Tax Service, Steadfast Accounting Solutions, ServiceNow, Oracle Corp, and Hewlett Packard Enterprise. Outside of his advisory role, he owns and manages a rental property in Roseville, California. 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 strategies supported by a large network of financial advisors and branch offices nationwide.

Joel Ducore is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 66 licenses. Prior to his current role, he has worked in various capacities within JPMorgan Chase Bank and J.P. Morgan Securities since 2012. Outside of his financial advisory work, Joel is a freelance trumpet player contracted for church and orchestral services. J.P. Morgan Securities provides institutional consulting services to 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Nicholas Ogden is a financial advisor with Charles Schwab, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Edward Jones and Charles Schwab Bank SSB. 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by a centralized, integrated operational structure.

Claudia Kane is a CFP®-certified financial advisor with 38 years of industry experience, currently affiliated with Raymond James Financial. Her career includes roles at Beacon Wealth Strategies and Cabi, and she has been involved with U.S. Rowing since 2019. She also works as an independent contractor financial advisor with Legato Financial. Raymond James Financial Services Advisors, Inc. provides comprehensive financial planning and investment consulting to individuals, high-net-worth clients, institutions, and nonprofits. The firm employs tailored, non-discretionary advisory services and supports its clients with advanced analytical tools and specialized programs, including municipal and public finance advisory services.

Valerie Cisneros is a Series 66 licensed financial advisor with 15 years of industry experience, currently affiliated with LPL Financial since 2020. Her prior roles include positions at Morgan Stanley Wealth Management, UBS Financial Services, and Securian Financial Services. She is also involved with Central Coast Designs LLC, a business outside the financial industry. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, banks, credit unions, and charitable organizations nationwide. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management alongside research-supported model portfolios.

Todd Schroeder is a CFA® charterholder with 27 years of experience in the financial industry. He is currently with Wells Fargo Clearing Services, LLC and has held prior roles at firms including Abbey Capital (US) LLC, Foreside Fund Services, LLC, and Alt Fund Distributors LLC. 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 provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Jonathan Lee is a financial advisor with Robert W. Baird & Co. in Grass Valley, CA, holding Series 63 and Series 65 credentials and having 38 years of industry experience. He has been with Robert W. Baird & Co. since 2009. Outside of his advisory role, he is involved in several real estate partnerships and supervises commercial property management. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers tailored financial planning and portfolio management services, utilizing a range of investment strategies and overlay services to meet diverse client goals and risk tolerances.

Sarah Miller is a financial advisor at Morgan Stanley in Roseville, CA, with seven years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2021, following positions at PRO Unlimited, Merrill Lynch, State Farm, and Verizon Wireless. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Mark Payne is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2017. Outside of his advisory role, he is an author of a publishing venture titled *Micro-Premie Macro-Love*. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations and secular return estimates as part of its financial planning process.