Summer Lemmon is a financial advisor at Charles Schwab with 15 years of industry experience. She holds a Series 66 designation and has worked at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2013. Outside of her advisory role, she serves as Treasurer for Cub Scout Pack 310 in Orangevale, CA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and offers multi-asset model portfolios supported by centralized custody and operational infrastructure.

Sonia Perez is a financial advisor at Merrill with one year of industry experience. She holds a Series 66 designation and has previously worked at Wells Fargo N.A. and First Northern Bank. Outside of her advisory role, she works as a consultant and independent contractor for DoorDash. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients, offering a range of model-based and discretionary investment strategies for individual, high-net-worth, and institutional clients.

Lucas Eastburn is a financial advisor at Fidelity with two years of industry experience and holds a Series 66 designation. Prior to joining Fidelity, he worked at Equitable Advisors and has also served as an independent contractor with the Sierra Native Alliance, where he supported youth activities and event logistics. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs. The firm is noted for its advisory roles to registered investment companies and its use of systematic methodologies and AI-driven research.

Kevin Nelson is a financial advisor with Thrivent Investment Management in Citrus Heights, CA, holding a Series 66 designation and 17 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2008. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning with a focus on retirement, tax, estate, and other personal financial topics, separate from portfolio management and implementation.

Andrew Schoenike is a CFP® professional with 17 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors, LLC for one year. He is based in Roseville, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and includes both non-discretionary and discretionary options, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Lauren Stowe is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. She has worked at Wells Fargo Bank, N.A. since 2007 and has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. 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 process is IPS-driven and based on modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Scott Lewis is a financial advisor with Cambridge Investment Research Advisors in Sacramento, CA, holding a Series 66 credential and nine years of industry experience. He has worked at Cambridge Investment Research Advisors since 2018 and has been associated with North Star Financial Partners since 2010. Outside of advisory work, he is also active as a tax preparer and independent insurance agent. Cambridge Investment Research Advisors serves a broad client base including individuals, pension and profit-sharing plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, retirement plan advisory, and financial wellness services through a network of independent professionals, employing a range of portfolio management strategies and platform options tailored to client objectives.

Robert Daly Jr. is a financial advisor with Cetera who holds a Series 63 designation and has 31 years of industry experience. He has worked with Cetera Wealth Services, LLC since 2013 and has been affiliated with Financial Network Wealth Advisors LLC since 2024. Daly is also active in community initiatives, serving as a board member of a youth fitness program and participating in the Rotary Club of Sacramento. Cetera Investment Advisers LLC is an SEC-registered adviser that provides portfolio management, financial planning, and retirement services through a nationwide network of independent advisors. The firm serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a multi-manager platform with a range of investment program options.

Catherine Heath is a CFP®-certified financial advisor at Ameriprise with 25 years of industry experience. She has been with Ameriprise and its related entities since 2014. Outside of her advisory role, she serves on the board of directors for Snowline Hospice. Ameriprise provides a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Rachelle Miguel is a financial advisor with UBS Financial Services in Roseville, CA, holding a Series 66 designation and bringing 17 years of industry experience. She worked at Merrill from 2009 to 2022 before joining UBS in 2022. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services, providing proprietary research and affiliated banking and lending programs.

Garrett Lucchesi is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds a Series 66 designation and has worked previously at Charles Schwab, TIAA, and E*TRADE. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery conversations and firm-approved tools, emphasizing advisory services without providing individual security recommendations in standalone plans.

Michael Kenison is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 42 years of industry experience. His prior work includes roles at Wells Fargo Clearing and Morgan Stanley. Outside of his advisory work, he coaches pole vaulting at the high school level. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning and third-party asset management, supporting investment advisers with model portfolios and customized strategies.

John Watts is a CFP® professional with 35 years of industry experience, currently serving at MassMutual Investors Services since 1994. He is also an insurance agent specializing in health and group life/health insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides customized planning using firm-approved tools and offers event-driven planning services such as estate settlement and divorce planning.

Jeffrey Olsen is a financial advisor with Raymond James & Associates, holding Series 63, 65, and 66 licenses and bringing 25 years of industry experience. Prior to joining Raymond James in 2023, he worked at Morgan Stanley in various capacities from 2010 to 2023. He serves as president of the board for a family-held corporation involved in managing land and mineral rights. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting through a variety of non-discretionary advisory programs and specialized municipal advisory services.

Shoaib Sarwar is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and 10 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC and Wells Fargo Bank, N.A. Outside of his advisory role, he works as a Lyft driver in Sacramento, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s process is IPS-driven and includes a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Luz Meraz Johnson is a financial advisor with LPL Financial, holding a Series 66 designation and 19 years of industry experience. She has worked with LPL Financial since 2010 and previously with Edward Jones from 2007 to 2010. Outside of her advisory role, she is involved in wellness advocacy through doTERRA and operates a training and education program called Aging Well of CA LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

John Duwe is a financial advisor with LPL Financial in Antelope, CA, holding a Series 66 credential and having nine years of industry experience. He has worked at LPL Financial since 2017 and previously worked at SAFE Credit Union and CVS/Pharmacy. Outside of his advisory role, he is a non-variable insurance producer with Back Nine. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions through a large network of advisors supported by research, technology tools, and multiple financial services outside the advisory platform.

Eric Schraeder is a Vice President and Wealth Planner at Fidelity Investments, where he has been serving since 2016. In this role, he partners with families to prioritize wealth planning goals and prepare for both certainties and unknowns they may face. He has over a decade of experience in financial advisory, having worked as a Financial Advisor at US Bancorp Investments, Inc. from 2011 to 2016, and previously at UBS Financial Services and Wells Fargo Advisors from 2007 to 2011. Eric holds a California Insurance License.

Jeffrey Sundberg is a financial advisor with Charles Schwab in Folsom, CA, holding Series 63 and Series 66 licenses and 30 years of industry experience. His career includes over two decades at TD Ameritrade and a brief tenure at Fidelity Investments before joining Charles Schwab in 2022. 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 investment guidance and access to discretionary separately managed accounts, supported by a multi-asset portfolio approach and centralized operational infrastructure.

Sita Lalchandani is a CFP® with 30 years of industry experience, currently an advisor at Cetera. She has been with Cetera Advisors LLC since 2012 and joined Cetera in 2024. Outside of her advisory role, she is involved with GLH&C Financial Services, a securities and fixed insurance business. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.