Bart Zitnitsky is a financial advisor with Morgan Stanley Wealth Management, holding a Series 66 designation and 11 years of industry experience. Prior to joining Morgan Stanley in 2023, he worked at First Republic Bank and its related entities from 2010 to 2023. Outside of his advisory role, he serves on the boards of The People Concern, a nonprofit organization, and spcaLA, an animal rights and advocacy group. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services through both individual and corporate planning arrangements.

Todd Ferreira is a financial advisor with Ameriprise in Rocklin, CA, holding Series 63 and Series 65 licenses and 29 years of industry experience. His prior roles include positions at Purshe Kaplan Sterling Investments and Nf Wealth Management, Inc. He has been with Ameriprise and its affiliates since 2017. Ameriprise offers a retirement-income planning service tailored to individuals nearing or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with algorithmic automation to deliver customized, non-discretionary retirement planning advice.

William Lee is a financial advisor with Mass Mutual Investors Services in El Dorado Hills, CA, holding Series 63 and 66 licenses and bringing 31 years of industry experience. He has been with MML Investors Services Inc. and Mass Mutual Life Insurance since 2002. Outside of his advisory work, he is involved in a separate health insurance business as an agent. Mass Mutual Investors Services, a subsidiary of MassMutual, provides ongoing financial planning and asset management to individuals, business owners, trusts, charitable organizations, and employers. The firm offers collaborative, annual planning engagements using firm-approved tools and supports a range of financial strategies without discretionary control.

Mayra Castro is a financial advisor at Charles Schwab with 26 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Charles Schwab and Charles Schwab Bank since 1998 and 2005, respectively. She serves as a board member for Growth Public Schools, participating in monthly meetings to provide guidance on school programs. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management with centralized custody and oversight.

Bryan Ludwig is a CFP® and holds a Series 66 license with 18 years of industry experience. He is currently with Ameriprise, where he has worked since 2021, following prior roles at Wells Fargo Clearing, Merrill, and Edward Jones. Outside of his advisory work, Ludwig serves in multiple leadership and board positions in community organizations, including the Lincoln Chamber of Commerce, Rotary Club of Lincoln, and the Lincoln Veterans Memorial Coalition. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides written retirement income plans and ongoing tax-aware withdrawal guidance. The firm’s approach combines proprietary research and third-party data, focusing on dependable income sources and adaptive withdrawal strategies.

Theresa Roberts is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. She previously worked at TIAA, Tiaa-CREF, Bb&T Securities, and Merrill. Outside of her advisory role, she is involved with the Order of the Eastern Star in Folsom, California, serving in a committee role related to accounting and bookkeeping. Morgan Stanley Wealth Management provides a range of advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, with advisory services centered on financial planning rather than individual security recommendations.

Jeffrey Ecklund is a financial advisor with Morgan Stanley in Roseville, CA, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has been with various divisions of Morgan Stanley since 2007, including Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Secular Return Estimates and Monte Carlo simulations in its financial planning process.

Michael Gomes is a financial advisor with Fidelity, holding Series 63 and Series 66 licenses and 16 years of industry experience. His career includes roles at multiple Fidelity entities since 2014 and prior positions at BBVA and BancWest. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients through a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its use of systematic methodologies, involvement with registered investment companies, and the application of AI-driven research techniques.

Kelly Jordan is a financial advisor with OSAIC in Sacramento, CA, holding Series 63 and Series 66 licenses and bringing 36 years of industry experience. Prior to joining OSAIC in 2025, Jordan worked at Lincoln Financial Advisors Corporation for three years and spent 18 years with TD Ameritrade. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and advisory services, employing asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios across various asset classes.

Scott Sandy is a Financial Consultant currently working at Fidelity Investments since 2024. He specializes in working with high-net worth individuals and families, focusing on building trusted, long-term relationships to simplify complex financial decisions. His approach emphasizes discipline and objectivity, aiming to preserve and grow wealth in alignment with his clients' goals, risk tolerance, and values. Scott has professional experience as an Investment Consultant at Fidelity Investments from 2022 to 2024 and as a Financial Advisor at First Command Financial Planning from 2017 to 2022. He collaborates with clients to provide strategic guidance that supports navigating each stage of life with confidence. Scott holds a California Insurance License.

Jim Klein is a Planning Consultant at Fidelity Investments, a role he has held since 2025. Prior to this position, he served as a Relationship Manager from 2023 to 2025 and as a Financial Representative from 2022 to 2023, all within Fidelity Investments. He holds a California Insurance License. Before transitioning to financial services, Jim worked as a high school Latin teacher for several years. Motivated by a desire to help individuals better understand personal finance, he shifted his career focus to financial advising. At Fidelity, he works with clients to help them understand their financial situations and prepare for major life decisions. Outside of his professional responsibilities, Jim has interests in baseball, cooking and baking, and reading.

Lori Kamuf is a financial advisor at Wells Fargo Advisors with 22 years of industry experience. She holds Series 63 and Series 65 registrations and has worked at various Wells Fargo entities since 2015. Outside of her advisory role, she is involved as a direct sales consultant for a clothing business. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and uses proprietary research and tools to develop tailored recommendations for its clients.

Sam Blakewell is an Investment Consultant at Fidelity Investments. In this role, Sam focuses on assisting clients with financial planning in areas such as retirement planning, investment strategy, and tax-efficient investing. Sam aims to simplify complex financial topics and provide personalized guidance and support to clients. Sam has held several positions at Fidelity Investments, including Planning Consultant from 2024 to 2025, Relationship Manager from 2023 to 2024, and Financial Representative from 2022 to 2023. Prior to joining Fidelity, Sam worked as a Client Relationship Manager at Lewis Financial from 2021 to 2022. Sam holds a California Insurance License. Outside of work, Sam has interests in biking, golf, pets, running, swimming, and traveling.

William Pacheco is a financial advisor with LPL Financial, holding a Series 66 designation and 18 years of industry experience. He has been with LPL Financial since 2012, primarily operating his advisory services through W J Pacheco Wealth Management in Folsom, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.

Thomas Coombs is a financial advisor at Edward Jones in Roseville, CA, holding a Series 66 designation with 16 years of industry experience. He has been with Edward Jones since 2009. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets through a large network of advisors and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Timothy Rogers is a financial advisor at Edward Jones with 38 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Edward Jones since 1988. 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.

Adam Benedict is a Certified Financial Planner (CFP®) with 28 years of experience, currently serving at Charles Schwab & Co. since 2005. He holds Series 63 and Series 66 licenses and is based in Roseville, California. Outside of his professional role, he is involved with Folsom High School as an assistant golf coach and girls golf booster representative. Charles Schwab & Co. 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 models and access to discretionary separately managed accounts, supported by a multi-asset strategic allocation approach and a distinctive integrated operational structure.

Loren Taing is a Series 66 licensed financial advisor with five years of industry experience, currently affiliated with LPL Enterprise in Roseville, CA. His prior work history includes roles at U.S. Bank and CDC Small Business Finance Corp. He is also involved in a non-variable insurance agency based in West Sacramento, CA. LPL Enterprise serves a diverse client base that includes individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products supported by an integrated platform.

Rick Levin is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2022. He began his financial services career in 2013 and has since worked with clients from various age groups and backgrounds. Levin's approach centers on holistic financial planning to assist clients in achieving their financial goals. His professional experience includes roles as a Financial Advisor at Merrill Lynch from 2020 to 2022, Financial Professional at Capitol Planning Group from 2017 to 2019, Registered Representative at Principal Financial Group in 2017, and Financial Representative at Northwestern Mutual from 2013 to 2017. He holds a California Insurance License. Levin resides in Northern California with his wife, Kait, and their two sons. His personal interests include camping, fitness, hiking, playing instruments, running, and singing.

Rosalinda Roberts is a financial advisor at OSAIC with 29 years of industry experience. She holds Series 63 and Series 66 designations and worked previously at Securities America Advisors, Inc. for 18 years. Roberts is also involved in insurance sales through her own practice, where she reviews clients' risk management strategies and provides insurance recommendations. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios across various investment types.