Aaron Diringer is a Financial Consultant currently working at Fidelity Investments since 2022. He is dedicated to assisting clients in achieving the financial goals they have established for themselves and their families. Prior to his current role, Aaron served as a Territory Specialist at Franklin Templeton Investments from 2017 to 2022. He holds a California Insurance License, supporting his work in financial consulting. Outside of his professional career, Aaron is involved in military service, parenthood, and volunteering activities.

Madeline Salidas is a financial advisor with Morgan Stanley in Roseville, CA, holding a Series 66 designation and four years of industry experience. Her career includes roles at Morgan Stanley Private Bank and Franklin Templeton Investments, as well as positions in education prior to entering finance. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning. The firm manages substantial client assets and employs a structured planning process supported by firm-approved tools and research.

Maxwell Fields is a financial advisor at Wells Fargo Clearing with one year of industry experience. He holds a Series 66 designation and has worked previously at Redwood Investment Management and Bicoastal Recruiting Partners. Maxwell has also been involved with Arizona State University through the Devil's Advocates program. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and combines research from the Wells Fargo Investment Institute with diversification principles and modern portfolio theory in its investment approach.

Stephen Crowder is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds a Series 66 designation and has worked at firms including LPL Financial, BancWest Investment Services, Bank of the West, and Wells Fargo Advisors. Crowder serves on the Board of Trustees for the Grand Lodge of Nevada Free and Accepted Masons, where he oversees financial audits and budget monitoring. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Heidi Hunter is a financial advisor at Thrivent Investment Management with 35 years of industry experience. She has held positions at Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Hunter holds the Series 63 and Series 66 designations. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing comprehensive written recommendations on topics such as retirement, income tax, estate, and special needs planning. The firm combines goal-based analyses with a managed-account program under a consolidated billing option while maintaining planning and portfolio management as separate services.

Edgard Laguna is a financial advisor with Merrill, holding a Series 66 designation and seven years of industry experience. His work history includes positions at Bank of America, Merrill, and Wells Fargo Clearing. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, and charitable organizations.

Anthony Wilcox is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in family wealth management strategies, investment consulting for defined contribution plans, small business strategies, tax minimization, and retirement income. He works closely with clients to develop personalized financial strategies aimed at achieving their long-term goals and helping them organize and transfer their wealth effectively. Anthony has a diverse professional background, including a career as an Army officer and experience in consulting across various fields such as surgery, economic development, technology, and organizational structure. He holds a Personal Investment Advisor (PIA) designation and has earned bachelor's degrees from the United States Military Academy and Oregon State University, as well as a master's degree from William Jessup University. Outside of his professional work, Anthony is actively involved in his community, coaching football at Granite Bay High School and serving on the Granite Bay Rugby Board. He is a member of the American Legion and the West Point Association of Graduates. Anthony enjoys spending time with his family and engaging in outdoor activities.

William Odonnell is a financial advisor at Edelman Financial Engines with 20 years of industry experience. He holds a Series 66 designation and has worked at Financial Engines Advisors L.L.C. since 2016, following a one-year tenure at Tmfs Advisors, Llc. Edelman Financial Engines provides technology-enabled investment advisory services for workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and supports a large client base through advisor-led and online offerings.

Judy Ho is a CFP®-certified financial advisor with nine years of industry experience, currently associated with Cambridge Investment Research Advisors. She has worked previously at Edward Jones and is involved with Lane Florence, LLC. Ho serves as a director for the Cordova Recreation & Parks Foundation. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm provides financial planning, investment management, and retirement-plan advisory services through a network of independent professionals, offering proprietary and third-party strategies with various implementation options.

Madeline Phillips is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Edelman Financial Engines. Her prior roles include positions at Smart Investor, LLC and Sand Hill Global Advisors, LLC. Edelman Financial Engines provides technology-enabled investment advisory services primarily focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and supports a large client base through advisor-led and online platforms.

Stephen Hardisty is a financial advisor at Equitable Advisors with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Equitable Advisors since 2007, following prior roles at Axa Advisors, 1717 Capital Management Company, and MSI Financial Services. In addition to his advisory work, he operates a separate business providing disability and health insurance services. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset-management programs. The firm utilizes a network of Investment Adviser Representatives and relies on third-party asset managers and advisory programs to deliver customized investment solutions.

John Allen is a financial advisor with Morgan Stanley in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. Since 2016, he has been associated with Morgan Stanley Private Bank, National Association and Morgan Stanley. Outside of his advisory role, he serves on the boards of Sacramento Angels, an angel investing group, and the Big River Vista Mutual Water Company; he is also a member of the Dean Advisory Council for California State University Sacramento’s School of Business. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional services with specialized activities such as private funds and principal trading.

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.

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.

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.