Michael Nakahira is a financial advisor at Cetera with 40 years of industry experience. He has held positions at Cetera Advisors LLC since 2022 and previously worked at First Allied Advisory Services, Inc. and First Allied Securities, Inc. Additionally, he is the owner and president of a real estate business, HONY Properties LLC. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts, offering a variety of portfolio management and financial planning services through a nationwide network of independent advisors.

Jonathan West is a financial advisor with LPL Financial, holding the CFP® designation and Series 63 and 65 licenses. He has 10 years of industry experience, including prior roles at Prudential, Kestra Financial, and Sii Investments. Outside of advisory work, he serves as an instructor for the City of Seal Beach. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, with access to model portfolios, research, and various management approaches.

Bruce Pearson is a financial advisor with UBS Financial Services in Sacramento, CA, holding Series 63 and Series 65 designations and bringing 41 years of industry experience. He has been with UBS Financial Services since 1985. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm delivers advisory work using proprietary capital market assumptions and research, tailoring plans to clients’ goals and risk tolerances.

Marilyn White is a financial advisor at LPL Financial with 35 years of industry experience. She holds a Series 63 designation and previously worked at Ic Advisory Services Inc and The Investment Center Inc for 13 years each. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by model portfolios and research from LPL and third-party providers.

Tom Campeau is a financial advisor at Edward Jones in Folsom, CA, holding Series 63 and Series 66 licenses with 32 years of industry experience. He has been with Edward Jones since 1994. Outside of his advisory role, he is a managing member involved in family-owned residential rental properties. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm is notable for its extensive network of advisors and branch offices and offers additional services such as trust company capabilities and securities-based lending.

Davyd Valuiskyi is a financial advisor at Fidelity with two years of industry experience. He holds a Series 66 designation and has previously worked at JPMorgan Chase & Co and the Vincent G Harris Insurance Agency. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm utilizes a combination of fundamental research and quantitative analysis to construct model portfolios from a broad universe of mutual funds, ETFs, and ETPs, incorporating algorithmic methodologies and long-term asset allocation benchmarks.

Kyle Smith is a financial advisor at Osaic Wealth, Inc. based in Sacramento, CA, holding a Series 66 license with two years of industry experience. He has previously worked at Securities America, Inc., CFS Wealth Advisors, LLC, and CliftonLarsonAllen. In addition to his advisory work, Kyle provides term life insurance and fixed annuities as a licensed life insurance agent and offers tax preparation and planning services. Osaic Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, institutions, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party solutions to manage portfolios across various asset classes.

Kurt Hoffmann is a financial advisor at Charles Schwab with 11 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. since 2018. Prior to that, he spent one year at InterWest Insurance Services, LLC. 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 both non-discretionary and discretionary investment options using multi-asset model portfolios and centralized custody and supervisory arrangements.

Robert Dewhurst is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and over 20 years of industry experience. His career has been primarily with Wells Fargo-affiliated entities since 2004. 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 services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Mark Stevenson is a financial advisor at Morgan Stanley with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at firms including Fidelity Investments, Wells Fargo, and J.P. Morgan Securities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured tools and models client outcomes but does not provide individual security recommendations as part of standalone plans.

Rukmini Bose is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2019. She has over 21 years of experience in the financial services industry, including roles as Vice President and Financial Advisor at Morgan Stanley from 2012 to 2018, Financial Solutions Advisor at Bank of America Merrill Lynch from 2009 to 2011, and Relationship Manager at Marsh & McLennan Companies from 2005 to 2007. Throughout her career, Rukmini has focused on helping clients make informed financial decisions and serving as a trusted partner in their financial lives. She is committed to providing education and a thoughtful process to navigate the complexities of financial planning. Rukmini holds a California Insurance License.

Steven Liaty is a financial advisor with Wells Fargo Clearing in El Dorado Hills, CA, holding Series 63 and Series 65 licenses. He has 28 years of industry experience, including over a decade at Wells Fargo Clearing and seven years at Wells Fargo Advisors LLC prior to that. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Michael Lewis is a financial advisor with Cambridge Investment Research Advisors in Sacramento, CA, holding a Series 66 designation and 39 years of industry experience. He has been with Cambridge since 2008 and also works as an independent insurance agent and tax preparer. Additionally, Lewis is the owner of North Star Financial Partners and serves as an advisory representative for a registered investment adviser. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through independent professionals, utilizing a variety of direct portfolio management and model-based solutions across multiple custody platforms.

Larry Pearl is a financial advisor at Ameriprise with nine years of industry experience. He holds the Series 66 designation and has worked previously at Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company, as well as at Waddell & Reed, Inc. and various insurance carriers. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement who meet certain asset criteria, providing detailed recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

Brad Klingfus is an Investment Consultant at Fidelity Investments, a position he has held since 2024. Prior to this role, he worked as a Planning Consultant at Fidelity from 2022 to 2024 and as a Relationship Manager there from 2021 to 2022. Before joining Fidelity, Brad was an Advisor Consultant at Franklin Templeton Investments from 2014 to 2021. Brad holds a California Insurance License. His professional focus involves collaborating with clients to develop comprehensive financial plans aimed at achieving financial wellness and peace of mind. He serves as an advocate for clients, assisting with important financial decisions and planning steps over time. Outside of his professional work, Brad's personal interests include baseball, beach activities, boating, football, and golf.

Michael Niehaus is a financial advisor at Merrill with a Series 66 credential and three years of industry experience. He previously worked at Franklin Templeton Investments and took a year for extended travel. Outside of finance, he is a founding member of a music and entertainment group called Tomb of Minerva, where he contributes as a bass guitarist, vocalist, and lyricist. Merrill, together 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, and institutions.

Rodney Spradlin is a financial advisor at Cetera with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera and its affiliated entities since 2013. In addition to his advisory role, he operates American River Wealth Management as a DBA for his investment practice and serves as a representative involved in annuities. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a variety of portfolio management and advisory services through a multi-manager platform with access to both affiliated and unaffiliated third-party managers.

Gregory Glunt is a financial advisor with OSAIC, holding a Series 66 designation and 13 years of industry experience. He worked at Lincoln Financial Advisors for 13 years before joining OSAIC in 2025. Outside of advising, he serves as a director on the RMCC Men's Club board and is involved with Retirement Security Centers offering insurance products. OSAIC serves a diverse clientele including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers and advisory platforms. The firm offers integrated brokerage and advisory services with a range of portfolio management options and utilizes various tools and third-party solutions to support its investment strategies.

Brittney Cicchetti is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Clearing since 2022, following seven years at Bank of America, N.A. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Cheri Morillas is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has been with Cetera Wealth Services, LLC since 2013 and with Cetera since 2023. Outside of advisory work, she serves as a board member of the Donner Lake Property Owners Association. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients nationwide. The firm offers a multi-manager platform allowing advisors to implement a variety of portfolio management strategies across discretionary and non-discretionary authorities.