Frank Geremia III is a CFP® with 30 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he holds a 20% ownership in Geremia Companies, LLC, a non-investment-related business based 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 services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

David Bains is a financial advisor with Robert W. Baird & Co. in Sacramento, CA, holding Series 63 and Series 66 credentials and bringing 14 years of industry experience. His previous roles include positions at Wells Fargo Clearing, JPMorgan Securities, and Wells Fargo Advisors. Outside of his advisory work, he is involved in breeding English Bulldogs and participates in a nonprofit focused on connecting caregivers with jobs. He is part of the DDK Group within Baird’s Private Wealth Management department, which serves a range of clients including individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers services such as financial planning, discretionary and non-discretionary portfolio management, and utilizes a variety of separately managed account programs with ongoing manager selection supported by internal research and technology.

Raquel Austin is a financial advisor at Cambridge Investment Research Advisors with 22 years of industry experience. She holds a Series 66 designation and previously worked at Merrill and Bank of America. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pensions, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a variety of portfolio management strategies and platform arrangements.

Durron Bell is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and eight years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2017 and has a longer tenure at Wells Fargo Bank NA dating back to 2010. 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 incorporates modern portfolio theory, with a notable breadth of investment options that include insurance-related vehicles and bank deposit sweep programs.

Amy Carrillo is a Series 66-licensed financial advisor with LPL Financial, based in Sacramento, CA, and has three years of industry experience. Her prior roles include positions at Citizens Private Wealth, JP Morgan Chase, First Republic Bank, and Wells Fargo. 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, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management, model portfolios, and research from internal and third-party sources.

Christopher Green is a financial advisor with LPL Financial in Roseville, CA, holding Series 63 and Series 65 licenses and 16 years of industry experience. He previously worked at Cetera Advisors LLC for four years before joining LPL Financial in 2018. Outside of his advisory role, Green is involved in buying and renovating homes. LPL Financial serves a broad client base including individuals, retirement plans, banks, and corporations, offering financial planning, advisory programs, retirement consulting, and brokerage services through a large network of investment adviser representatives. The firm provides both discretionary and non-discretionary management with access to model portfolios, research, and a variety of investment strategies.

Christopher Hurst is a CFP® with 30 years of industry experience, currently serving as a financial advisor at Stifel since 2010. He holds Series 63 and Series 65 licenses. Stifel serves a wide range of clients, including individuals, institutional investors, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach relies on proprietary methodologies developed by its Investment Strategy Group to provide capital market analysis and asset allocation guidance.

Ruben Gonzalez is a financial advisor at Raymond James & Associates with four years of industry experience. He holds a Series 66 designation and has prior work experience at JPMorgan Securities LLC, Franklin Templeton, and State Street. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension and profit-sharing plans, charitable organizations, and government entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing a range of portfolio management styles supported by in-house research and affiliated sub-advisers.

Benjamin Bolton is a financial advisor at Edward Jones in Fair Oaks, CA, holding CFP® and Series 66 credentials with 14 years of industry experience. He has worked at Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, managing approximately $1.01 trillion in assets. The firm offers a range of advisory programs and investment strategies, supported by a nationwide network of more than 23,700 financial advisors.

Joshua Dewitt is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds Series 63 and Series 65 designations and has been with Wells Fargo-related entities since 2010, including Wells Fargo Advisors LLC and Wells Fargo Bank NA. Outside of his advisory role, he serves as a co-trustee managing a family trust. 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 investment approach 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.

Caleb Deats is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His previous work experience includes roles at Starbucks and In-N-Out Burger. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, with a focus on discretionary portfolio management and fund advisory. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and is registered with the CFTC as a commodity pool operator.

Jack Wolger is a financial advisor at Edward Jones in Sacramento, CA, holding a Series 66 designation with three years of industry experience. His prior roles include positions at Berkeley Innovation Group and Bloom Energy. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with approximately $1.01 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, operating under a fiduciary standard.

Jessica Williams is a financial advisor at Morgan Stanley with 24 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009 and holds the Series 66 designation. Outside of her advisory role, she is involved in managing rental properties in Sacramento, California, and Meridian, Idaho. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, using structured planning tools and a range of advisory programs.

Frank Holloway is a CFP® and ChFC® with 32 years of experience in the financial services industry. He has worked at LPL Financial since 2002 and held leadership roles at Solano Wealth Management, Inc. and Solano Wealth Investment Advisors, LLC. Outside of his advisory work, he incorporated an investment services company for tax purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies in its investment approach.

Matthew Larsen is a financial advisor with Edward Jones in Sacramento, CA, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has been with Edward Jones since 2002. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a wide range of advisory programs and investment solutions, supported by a large network of approximately 23,701 financial advisors nationwide.

Lisa Monsour is a financial advisor at Wells Fargo Clearing with 33 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Wells Fargo firms since 2011, including her current role at Wells Fargo Clearing since 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering a range of non-discretionary and discretionary services tailored to plan objectives and demographics. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Joczan Chavez is a financial advisor with LPL Financial in Davis, CA, holding Series 63 and Series 66 licenses and possessing nine years of industry experience. He previously worked at JP Morgan Securities LLC and is also affiliated with The Golden 1 Credit Union. In addition to his advisory role, he is a commissioned notary public for the State of California. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management with support from in-house and third-party research.

Peter Wertz is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2014. He has been in the financial services industry for over 24 years, during which he has worked with clients and families to assist them in achieving their financial goals. He emphasizes wealth planning and maintaining lifelong relationships with clients. Peter's professional experience includes multiple roles within Fidelity Investments, progressing from Customer Service Associate in 2006 to his current role. Prior to joining Fidelity, he worked as a Personal Banker at Wells Fargo from 2000 to 2006. He holds a California Insurance License. Outside of his professional work, Peter enjoys outdoor activities such as biking, camping, hiking, kayaking, as well as sports including soccer and table tennis.

Hoa Phan is a financial advisor with Merrill in Sacramento, CA, holding a Series 66 designation and one year of experience at Merrill and Bank of America combined. Her prior experience includes six years at Square Direct Communication Group and involvement with the City Barbering & Cosmetology Apprenticeship Committee. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Patrick Hassna is a financial advisor at Stifel with 33 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Stifel since 2007. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm’s investment approach relies on proprietary methodologies with forward-looking capital market assumptions developed by its Investment Strategy Group.