Sandy Stafford is a financial advisor with Merrill in Roseville, CA, holding a Series 66 designation and eight years of industry experience. She has been with Bank of America and Merrill since 2006. Outside of her advisory role, she is a passive equity investor and member of MKG Ventures, LLC, which primarily invests in private companies. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm offers model-based and discretionary investment strategies integrated with Bank of America’s broader platform.

Jeffrey Bedell is a financial advisor with LPL Financial in Sacramento, CA, holding a Series 66 designation and 17 years of industry experience. Prior to joining LPL Financial in 2025, he worked at OSAIC for two years and SagePoint Financial, Inc. for 14 years. Outside of his advisory role, he operates Bedell Law Office, providing legal services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers financial planning, various advisory programs, and brokerage services, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Tillman Pugh III is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has one year of industry experience and previously worked for Major League Baseball (MLB) for 14 years. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs including money-manager services and educational seminars.

Clifford Gamble is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He previously worked at Western International Securities, Inc. for 12 years and has served as president of Life Rx Corporation since 1994. He also acts in a fiduciary capacity for the Fred E. Helmick Irrevocable Trust. 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 a broad range of advisory programs, financial planning, and retirement consulting, supported by a variety of portfolio management options and research services.

Aaron Lockhart is a financial advisor with Edward Jones in Elk Grove, CA, holding a Series 66 designation and 11 years of industry experience. He has been with Edward Jones since 2015 and also has a long tenure at Prima Games, a division of Random House Inc., since 2005. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies, including access to separately managed accounts and affiliated mutual funds, and operates under a fiduciary standard.

Adam Altman is a financial advisor with Morgan Stanley in Roseville, CA, holding Series 63 and Series 66 licenses and having 23 years of industry experience. He has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients by providing advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that includes tools such as Monte Carlo simulations and Secular Return Estimates.

Ryan Sage is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and nine years of industry experience. He has worked at Wells Fargo Clearing since 2016 and has been with Wells Fargo Bank, NA since 2013. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, including investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a range of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Todd Elizalde is a financial advisor with Charles Schwab in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. His prior experience includes roles at State Farm Investment Management and State Farm Insurance between 2013 and 2019. Elizalde has worked with Charles Schwab and its affiliated companies since 2019. Charles Schwab & Co., Inc. serves 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 models with access to discretionary separately managed accounts, offering clients multi-asset model portfolios supported by research and centralized operational infrastructure.

George Robertson is a CFP® professional with six years of industry experience, currently affiliated with Cetera. His prior roles include positions at Edward Jones, Franklin Templeton Investments, and LPL Financial. He is also involved with Sierra Oaks Financial Planning, Inc. and Sierra Ridge Advisor Group in capacities related to LPL business activities. Cetera Investment Advisers LLC operates as an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management options, financial planning, and access to various third-party investment strategies.

Harkaran Dhaliwal is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America and the Franchise Tax Board. Outside of his advisory work, he also delivers food as a DoorDash driver. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its advisory role to multiple registered investment companies and its use of systematic methodologies and AI in portfolio management.

Michael Ibrahim is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 credentials and three years of industry experience. His prior experience includes a year at Charles Schwab & Co., Inc., along with roles at Fidelity since 2023. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, model portfolios, and fund advisory services.

Peter Hora is a financial advisor at Edelman Financial Engines with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Alliant Credit Union and LPL Financial. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven modeling process combined with planner delivery and online tools, offering diversified model portfolios, discretionary and non-discretionary management, and operates as a fiduciary under ERISA and DOL guidelines.

Dave Bostick is the Vice President and Resident Director of the Roseville Office at Merrill Lynch Wealth Management. In his role, he leads the office by communicating the firm's strategic vision and supporting fellow Advisors. Dave works closely with individuals, couples, and multiple generations of client families to help them discern their financial goals and supports those priorities through integrated strategy and advice. Beginning his career in investing and wealth management in 2001, Dave joined Merrill in 2011. He emphasizes attentive listening and collaborative planning, tailoring approaches that encompass planning, investing, savings, next-generation wealth transfer, and banking and lending services through Bank of America. Dave's team employs an open-architecture framework for investing, providing clients with a broad universe of options. Dave earned a bachelor's degree in Business Administration from Montreat College. He holds the Chartered Retirement Planning Counselor™ and Certified Plan Fiduciary Advisor® designations. Originally from Sacramento, Dave resides in his home community with his wife Tamara and their two children, Allison and Tyler.

Michael Stanley is a financial advisor with Charles Schwab in Sacramento, CA, holding the Series 63 and Series 66 designations and bringing 12 years of industry experience. Prior to joining Charles Schwab in 2025, he spent 12 years with Fidelity Brokerage Services. Outside of his advisory role, he writes and records music released on streaming platforms such as iTunes and Spotify under the name Sno, M. F. Stanley. 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 and discretionary investment management supported by strategic asset allocation and a centralized operational structure.

Walter Mccurdy is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of his advisory role, he serves as a power of attorney for a family member. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach 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.

Benjamin Douglas is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 65 licenses and eight years of industry experience. His career includes roles at Merrill, Charles Schwab & Co., and Edward Jones, along with multiple positions within Wells Fargo entities. 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 supported by research from Wells Fargo Investment Institute and third-party sources.

Daniel Poppers is a financial advisor with Ameriprise in Orangevale, CA, holding a Series 66 designation and 12 years of industry experience. His prior work includes positions at Golden State Wealth Management, LPL Financial, and Edward Jones. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, providing detailed written Recommendation Reports that address income planning, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis with algorithmic tools overseen by an internal committee to generate personalized recommendations.

Romer Blanquera is a financial advisor with Merrill in Sacramento, CA, holding Series 63 and Series 66 designations and having 25 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith since 2007 and also worked at Bank of America, N.A. since 2024. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm’s integration with Bank of America’s broader platform allows access to a wide set of products and services.

John Lischer is a financial advisor with LPL Financial in Sacramento, CA, holding a Series 66 designation and 12 years of industry experience. His previous roles include positions at Mariner Independent Advisor Network, Strategic Wealth Advisors Group, Charles Schwab, and Principal Funds Distributor, Inc. He also provides administrative support to Mariner Independent Advisor Network, an independent investment advisory firm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Steven Frith is a financial advisor with LPL Financial in Sacramento, California, holding a Series 66 designation and 15 years of industry experience. He has worked at LPL Financial since 2011 and is also affiliated with The Golden 1 Credit Union, serving in an investment-related capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.