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.

Raneeta Singh is a Financial Consultant at Fidelity Investments, a position she has held since 2023. She has accumulated extensive experience in the financial services industry, having worked as a Financial Advisor at Wells Fargo & Company in 2022 and at Merrill Lynch Pierce Fenner & Smith Incorporated from 2019 to 2022. Prior to these roles, she served as a Premier Banker at Wells Fargo & Company from 2014 to 2019. Raneeta holds a master's degree in Business Management, which, combined with her years of industry experience, equips her to effectively guide clients in achieving their financial goals. She holds a California Insurance License, supporting her professional capacity in the financial sector. Growing up as an immigrant in an underserved community, Raneeta developed a passion for financial education aimed at helping individuals pursue their objectives. Outside of her professional work, she enjoys motorcycles, music, outdoor adventures, parenthood, and traveling.

Liana Hovhannisyan is a Series 66-licensed financial advisor at Morgan Stanley with one year of industry experience. Her background includes roles at Franklin Templeton and positions in education at California State University, Sacramento and American River College. 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 tailored financial planning based on structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate-sponsored financial planning services.

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.

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.

Waheeda Sherzai is a financial advisor at Morgan Stanley in Sacramento, CA, with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2019. Prior to that, she held roles at State Farm VP Management Corp and multiple insurance agencies from 2015 to 2019. Outside of advisory work, Sherzai is active as a Pashto language interpreter for various courts and educational organizations. 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 with a structured financial planning process supported by firm-approved tools and research from its Global Investment Committee.

Stephen Moore is a financial advisor at Edward Jones with 11 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2014. 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 under management through a nationwide network of more than 23,700 advisors, offering a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Christina Florence is a financial advisor with Cambridge Investment Research Advisors and holds the CFP® and Series 66 credentials, with 22 years of industry experience. She is also a part owner and advisory representative of Lane Florence, LLC, where she has worked since 2007. Outside of her advisory roles, Christina serves as a board member of a local homeowner's association. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals who tailor strategies using proprietary models, third-party managers, and various platform arrangements.

Peter Cole is a ChFC® designated financial advisor with 26 years of industry experience, currently associated with OSAIC in Sacramento, CA. His prior work includes a 12-year tenure at Everbank, and he also maintains a longtime practice in clinical social work, providing individual and marital counseling under a California Clinical Social Work License. In addition to his advisory roles, he operates as a licensed insurance producer offering life and disability insurance products. OSAIC serves a diverse client base, including retail and institutional investors, and offers brokerage and investment advisory services across multiple platforms. The firm employs a range of portfolio construction tools and supports various investment strategies, including access to third-party managers and wrap programs.

Erik Renaud is a Series 65-registered advisor at Fisher Investments with 14 years of industry experience. He has been with Fisher Investments since 2005. Fisher Investments serves a global mix of institutional and private clients, including pension and profit-sharing plans, foundations, investment companies, and high-net-worth individuals, offering discretionary portfolio management across various asset classes. The firm combines quantitative and qualitative research with centralized portfolio management to construct globally diversified portfolios and employs tax-aware processes and defensive tactics to manage risk.

Michael Sommer is a financial advisor at Fidelity with Series 63 and Series 66 credentials and two years of industry experience. Prior to joining Fidelity, he worked in various roles including at iLending and the Arapahoe County School District. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a systematic investment process that incorporates proprietary research, quantitative analysis, and algorithmic portfolio construction.

Christopher Rasmussen is a financial advisor with OSAIC in El Dorado Hills, CA, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at Edward Jones and 3M Company. Rasmussen is also the owner of CantorBridge Financial, an LLC focused on financial planning, wealth management, and asset management. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services through multiple platforms, using advanced asset-allocation tools and third-party solutions to construct customized portfolios.

Jingjing Li is a financial advisor at Merrill with two years of industry experience and holds a Series 66 designation. Prior to joining Merrill, she worked at Bank of America, N.A., and has experience in consulting and entrepreneurship. Outside of her advisory role, she is involved in a business that designs and markets pet collars and accessories through online platforms. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies supported by internal teams and third-party managers for a range of individual and institutional clients.

Lawrence Newman is a financial advisor at OSAIC with 49 years of industry experience. He previously worked at Foothill Securities, Inc. for 28 years and Securities America Advisors for eight years. In addition to his advisory role, he has been involved in selling life, long-term care insurance, and annuities since 1971. OSAIC serves a diverse client base including individual investors, institutions, and charitable organizations, offering integrated brokerage, investment advisory services, and access to third-party money managers through a network of affiliated financial advisers. The firm employs various asset-allocation and portfolio management tools and supports both discretionary and non-discretionary accounts.