Clark Ebinger Jr. is a financial advisor at Merrill with 12 years of industry experience. He holds the Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2014. Merrill, along 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 and profit-sharing plans, corporations, and charitable organizations.

Michael Nelan is a financial advisor at Osaic Wealth, Inc. with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Orba Financial Management Co, Signator Investors, Inc., and Osaic Wealth since 2018. Nelan also serves in the Nevada Air National Guard and is president of Fair Oaks Financial, Inc., a firm involved in financial planning, investment management, and insurance services. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a wide network of affiliated advisors. The firm offers integrated brokerage and advisory services, utilizing asset allocation tools and third-party managers to create portfolios featuring various investment vehicles managed on both discretionary and non-discretionary bases.

William Maynard is a financial advisor with Edward Jones in Cameron Park, CA, holding a Series 66 designation and eight years of industry experience. He has been with Edward Jones since 2017 and previously worked at Gulf Shore Construction Services, Inc. from 2014 to 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients across a broad range of account types. The firm manages approximately $1.01 trillion in assets through a large network of financial advisors and offers a variety of discretionary and non-discretionary investment strategies under a fiduciary standard.

Owen Munsill is a Financial Consultant at Fidelity Investments, a position he has held since 2022. He has been working in the financial industry for more than a decade, with previous roles including Investment Consultant and Relationship Manager at Fidelity Investments, Premier Banker at Wells Fargo, Relationship Banker at Chase Bank, Financial Advisor at Edward Jones, Senior Relationship Banker at Union Bank, and Business Banking Specialist at Wells Fargo. Throughout his career, Owen has focused on collaborating with clients to create personalized financial plans that reflect their unique goals and values. His approach involves identifying strategies tailored to align with the specific circumstances and purposes of each client. Owen holds a California Insurance License.

Susan Ando is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. She has held her current position since 2012 and holds a Series 66 credential. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its investment approach.

Deron Allred is a CFP® certificant with 38 years of industry experience. He is currently affiliated with OSAIC and has worked previously at Royal Alliance Associates, Inc. and Signator Investors, Inc. He also owns Blueprint Financial and Insurance Services LLC, where he sells term insurance. OSAIC serves a diverse client base that includes individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides a range of brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios with various investment vehicles.

Craig Stone is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in delivering personalized wealth strategies tailored to the complex financial needs of business owners, individuals, and families. With over 13 years of experience in the financial industry, Craig emphasizes a disciplined, goals-based approach to wealth management that adapts to varying market conditions. His client focus areas include college education planning, divorce transition planning, personal retirement planning, special needs planning strategies, individual and corporate investment strategy, and retirement income. Craig earned a Bachelor’s Degree in Business Management from the California State University system. Holding the Personal Investment Advisor (PIA) designation, he is committed to building enduring client relationships based on trust and high-quality service. He collaborates with other trusted advisors and leverages Bank of America's and Merrill Lynch's resources to deliver comprehensive financial solutions, including home financing guidance through Wealth Management Lending Officers. Residing in Folsom, California, Craig balances his professional responsibilities with active involvement in his community and family life. He enjoys coaching his children’s baseball, soccer, and basketball teams and spending time outdoors playing golf. Craig prioritizes understanding his clients’ life goals to create personalized plans that align with what matters most to them.

Daniel Downard is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 66 designation and has nine years of industry experience, including prior roles at Merrill and Bank of America. Outside of his advisory work, he is a self-published author with a novel available on Amazon. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary investment consulting and supports clients through a large advisor network with specialized programs in municipal finance and SIMPLE IRA employer advisory services.

Steven Kurta is a Series 66-credentialed financial advisor with Raymond James Financial in Rocklin, CA, with 13 years of industry experience. He previously worked at Axa Advisors, LLC before joining Raymond James in 2019. Outside of his advisory role, he is a proprietor of rental real estate. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutions. The firm emphasizes tailored, non-discretionary planning and utilizes analytical tools to model potential outcomes, supporting clients through various advisory programs.

Julie Granja is a CFP®-certified financial advisor with Edward Jones, based in Gold River, CA. She has 11 years of industry experience, including nine years with Edward Jones since 2017. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over $1 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Nicholas Melnik is a financial advisor with LPL Financial holding a Series 66 designation. He has multiple years of work experience in both financial services and education, including roles at Miner Financial & Insurance and teaching positions at Sac State and Folsom Lake College. He has also been involved with Jesus Culture Sacramento. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, utilizing a network of investment adviser representatives who implement various portfolio strategies supported by research and technology.

Phillip Mottini is a financial advisor at Cetera with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Smith Mottini Financial Advisors and QA3 Financial LLC. He is also the owner of Plan Well Live Well, a financial planning and portfolio management business. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients nationwide. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and retirement services through a large network of independent advisors.

Tammy Paredes is a financial advisor at Fidelity with six years of industry experience. She holds Series 63 and Series 65 designations and has worked previously at JPMorgan Chase & Co., Wells Fargo Clearing, and Wells Fargo Bank. In addition to her financial roles, she has an ongoing position with Maxim Healthcare Services. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction across a range of fund and model portfolio solutions.

JJ Veth is a Planning Consultant at Fidelity Investments, a role held since 2025. Prior to this, JJ served as a Relationship Manager at Fidelity Investments from 2023 to 2025 and as a Financial Representative at the same firm from 2022 to 2023. Before joining Fidelity, JJ worked as a Relationship Banker at Chase Bank from 2021 to 2022. JJ's approach to financial planning focuses on guiding clients through every phase of life with a comprehensive and holistic strategy. This includes offering considerations for retirement planning, tax-efficient investing, and legacy planning, supporting clients whether they are starting out, preparing for retirement, or facing major life transitions. JJ holds a California Insurance License and has personal interests that include fitness, food, movies, reading, and traveling.

Emily Bruns is a financial advisor at Edward Jones in Sacramento, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, she worked with the Foundation for California Community Colleges and served in the California State Senate. 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 options supported by a nationwide network of more than 23,700 financial advisors.

Corey Kamehaiku is a financial professional with nine years of industry experience, currently affiliated with Cetera. He holds the Series 66 designation and has worked at various firms including Northwestern Mutual and First Allied Securities. Kamehaiku is also associated with Woodcreek Wealth Management, a financial services business. Cetera Investment Advisers LLC operates a nationwide network of independent advisors serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options and oversees more than $256 billion in assets under management.

Jordan Gillming is a Financial Consultant at Fidelity Investments, where he partners with individuals and families to develop personalized financial plans aimed at achieving their specific goals. He emphasizes building lasting relationships and fostering a collaborative environment to ensure clear understanding and teamwork throughout the financial planning process. Jordan has been with Fidelity Investments since 2017, holding various roles including Investment Consultant, Fixed Income Specialist, and Investment Solutions Representative. Prior to joining Fidelity, he worked as an Investment Professional at The Vanguard Group from 2014 to 2017. He holds a California Insurance License. Outside of his professional work, Jordan enjoys fishing, football, hiking, outdoor adventures, and volunteering.

Doug Beard is a Planning Consultant at Fidelity Investments, a role he has held since 2024. In this capacity, he collaborates with clients and their families to develop and maintain personalized financial plans, focusing on creating clear and actionable roadmaps tailored to their needs. Prior to joining Fidelity Investments, Doug accumulated extensive experience in the financial services industry. He served as a Senior Investment Specialist at Principal Financial Group from 2020 to 2023 and held the position of Senior Internal Wholesaler there from 2002 to 2020. His professional background encompasses comprehensive financial planning and investment services. Doug holds insurance licenses in Arkansas and California. Outside of his professional work, he has interests in concerts, football, gardening, movies, painting, and spending time with pets.

Linda Santiago is a financial advisor with Primerica Advisors in Fort Myers, FL, holding Series 63 and Series 65 licenses and six years of industry experience. She has been with Primerica Advisors since 2019 and previously worked at PFSI Investments Inc. and Primerica Financial Services. Outside of advising, she is involved in sales 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-based strategies and discretionary separately managed accounts to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Andrew Schexnaydre is a financial advisor at LPL Financial with 21 years of industry experience and a Series 66 designation. His prior experience includes roles at Western International Securities, Financial West Group, UBS Financial Services, and Brookstreet Securities Corporation. Outside of his advisory work, he is involved in online tutoring through Tried and True Tutoring. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management solutions, supported by a large network of advisors and a variety of operational and research tools.