Gerald Harshberger II is a financial advisor with LPL Financial in Roseville, CA, holding a Series 66 designation and 15 years of industry experience. He has been with LPL Financial since 2011 and also works as an independent insurance agent selling fixed insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a variety of financial planning and investment management solutions, including model portfolios and access to third-party asset managers.

Christopher Nunn is a financial advisor at Mass Mutual Investors Services with 19 years of industry experience. He holds the Series 63 and Series 65 designations and has been with MML Investors Services LLC and MassMutual Life Insurance Company since 2015. Outside of his advisory role, he is also licensed as an independent life insurance agent. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software and collaborative annual planning to guide clients’ investment strategies.

Keith Allred is a financial professional with six years of industry experience, currently affiliated with OSAIC and Blueprint Financial & Insurance Services, LLC. Prior to his advisory career, he served four years in the US Army. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs a variety of asset-allocation tools and investment options to construct portfolios tailored to client risk tolerances and preferences.

Jacob Basford is a financial advisor at Cetera with five years of industry experience and holds the Series 66 designation. His prior roles include positions at GuideSpring Wealth Strategies and First Allied Securities, Inc. Additionally, he is licensed as an insurance agent selling fixed insurance products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a multi-manager platform with various portfolio management and financial planning services.

Forrest Macneil is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 licenses and two years of industry experience. He has worked with Wells Fargo Bank, N.A. since 2004. Outside of his advisory role, he owns and operates a collectibles business selling items on eBay. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and including a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Kimberly Sutton is a financial advisor with LPL Financial, holding a Series 66 designation and 13 years of industry experience. She has worked at LPL Financial since 2013 and has been affiliated with SAFE Credit Union since 2009. 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, model portfolio programs, and access to third-party asset managers.

Phuoc Van is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and eight years of industry experience. He has been with J.P. Morgan Chase since 2012. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through a quantitative and ESG-focused approach.

Mark Teh is a financial advisor with MassMutual Investors Services holding a Series 66 credential and three years of industry experience. Prior to joining the firm, he worked with MML Investors Services LLC and MassMutual Life Insurance Company, and he also spent 15 years with Amazing Facts International. Outside of his advisory role, he owns and operates a law firm specializing in estate planning. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software to deliver written recommendations as part of annual collaborative planning engagements.

Veronica Schreiver is Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2013. She brings over 20 years of experience in finance, including 18 years with Fidelity, to assist her clients in working toward their financial goals. Veronica meets with clients regularly, typically one to two times a year or more following significant financial events, to provide personalized financial plans and conduct scheduled reviews of investments and strategies to align with clients' objectives. Her professional experience includes various roles at Fidelity Investments from 2007 to the present, progressing from Financial Representative to Vice President and Financial Consultant. Prior to joining Fidelity, Veronica held positions at Etrade from 1999 to 2006, including Power ETRADE Lead and Manager, and served as a Bank Operations Manager at Bank of New Hampshire from 1993 to 1999. She holds a California Insurance License. Outside of her professional career, Veronica enjoys activities such as barre, family activities, hiking, outdoor adventures, spending time with pets, and traveling.

Peter Gillespie is a Series 66-licensed financial advisor with 25 years of industry experience. He has been with LPL Financial since 2011 and previously worked at Wells Fargo Clearing, A. G. Edwards & Sons, and Morgan Stanley Dw Inc. among other firms. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions through a broad network of investment adviser representatives. The firm offers a range of financial planning and investment management solutions, combining proprietary and third-party strategies with various operational and research tools.

Cono Spinelli is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career at Merrill Lynch in 1994 as an intern, entered a management training program in 1999, and became a financial advisor in 2001. Cono focuses on building and managing Fixed Income, Equities, and Options portfolios. He provides access to investment insights and supports clients in areas such as liquidity management, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategies, tax minimization, and retirement income. He holds a Bachelor of Science degree in Finance from Saint Thomas Aquinas College and holds the Personal Investment Advisor (PIA) designation. Cono's approach emphasizes understanding clients' life priorities to create personalized wealth management strategies tailored to their goals and aspirations. Outside of his professional role, Cono volunteers at Hackensack University Medical Center in both the pediatric and geriatric centers. In 2000, he established a scholarship fund in his mother's name for Jackson Avenue Elementary School in Hackensack, New Jersey. He lives with his wife and two children in El Dorado County and enjoys biking, gardening, and hiking.

Leonora Chryssafis Bitas is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She previously worked at Wells Fargo Advisors, Fidelity Investments, and Bank of America/Merrill Lynch. She holds Series 63 and Series 66 licenses and is based in Sacramento, CA. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Claudio Boroica is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds the Series 66 designation and has been with Wells Fargo Clearing since 2016, following a year at WELLS FARGO Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering a range of services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with options for both non-discretionary and discretionary management, including insurance-related investment vehicles and bank deposit sweep options.

Bradley Laczny is a financial advisor at Cetera with 23 years of industry experience and holds a Series 66 designation. His prior experience includes roles at JP Morgan Securities LLC and LPL Financial. He also owns a business, Laczny and Sons, which is unrelated to investments. Cetera Investment Advisers LLC is an SEC-registered advisor serving individual, retirement, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a multi-manager platform with various portfolio management options, including model portfolios, third-party managers, and bespoke strategies, overseeing more than $256 billion in assets.

Nicholas Pastorino is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 licenses and totaling 21 years of industry experience. His background includes roles at Tri-Counties Bank, where he currently serves as Director of Wealth Management, and previous positions at Independent Capital Management and OSAIC Services, Inc. He is also Vice President and OSJ for Tri Counties Advisors. 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 institutional clients. The firm offers tailored, non-discretionary planning and employs analytical tools for outcome modeling, supporting clients through advisory programs and institutional consulting.

Eric Hanhold is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. Prior to his current role, he spent nine years working in Major League Baseball. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment solutions tailored to plan objectives and risk tolerances. The firm’s advisory approach is IPS-driven and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Kenneth Peters is a financial advisor with Wells Fargo Advisors in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Wells Fargo Advisors and its affiliated entities since 2011. Outside of his advisory role, he owns and operates The JackEmma Group LLC, doing business as The Peters Group LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides a broad range of investment and financial planning services to individuals, trusts, and institutional clients. The firm offers tailored planning across areas such as retirement, education, risk management, and specialized services including business-owner transition and special-needs planning.

Bo Lowenberg is a financial advisor at Fidelity with 22 years of industry experience. He holds Series 63 and Series 66 designations and has worked at various Fidelity entities since 2005. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction across a range of investment vehicles. The firm also serves as an advisor to multiple registered investment companies and uses systematic methodologies and AI in its investment processes.

Jacob Toomey is a financial advisor at Fidelity with Series 63 and Series 65 credentials and seven years of industry experience. His work history includes roles at Fidelity Investments, Strategic Wealth Advisors Group, LPL Financial, Principal Securities, Principal Life Insurance, Allstate Insurance, and Quest Technologies Management. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, employing a systematic investment process that combines proprietary research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs. The firm also serves in advisory roles for registered investment companies and uses algorithmic methods and AI in its research.

Patrick Mccusker is a financial advisor at Robert Baird & Co. with 17 years of industry experience. He holds a Series 66 designation and has worked at Robert Baird since 2013, following four years at Morgan Stanley. Mccusker serves as treasurer for The Wright Way Foundation. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management department, which provides financial planning, portfolio management, and brokerage services to individuals, corporate clients, pensions, and charitable organizations. The firm utilizes a combination of manager-traded and model-traded strategies, internal research tools, and a range of separately managed account programs.