Raneeta Singh is a Financial Consultant at Fidelity Investments, a position she has held since 2023. She has accumulated extensive experience in the financial services industry, having worked as a Financial Advisor at Wells Fargo & Company in 2022 and at Merrill Lynch Pierce Fenner & Smith Incorporated from 2019 to 2022. Prior to these roles, she served as a Premier Banker at Wells Fargo & Company from 2014 to 2019. Raneeta holds a master's degree in Business Management, which, combined with her years of industry experience, equips her to effectively guide clients in achieving their financial goals. She holds a California Insurance License, supporting her professional capacity in the financial sector. Growing up as an immigrant in an underserved community, Raneeta developed a passion for financial education aimed at helping individuals pursue their objectives. Outside of her professional work, she enjoys motorcycles, music, outdoor adventures, parenthood, and traveling.

Daniel Alcantar is a Series 66 licensed financial advisor with Wells Fargo Advisors, based in Roseville, CA. He has nine years of experience with Wells Fargo Clearing Services LLC and over two decades with Wells Fargo Bank, NA. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients meeting certain net-worth thresholds, including specialized areas such as business-owner transition and special-needs planning.

Joseph Cronin Jr. is a Senior Financial Advisor and partner of The Lucas Cronin Group at Merrill Lynch Wealth Management. He brings expertise in retirement planning, fiduciary strategies through the Merrill Investment Advisory Program, and comprehensive wealth management tailored for business owners, executives, institutions, and families. Joseph works to simplify and connect all aspects of his clients' financial lives, providing personalized strategies supported by access to Bank of America's banking services. Joseph holds multiple professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from San Jose State University. His approach emphasizes clarity, transparency, and long-term relationships to align financial strategies with clients' goals and values. Beyond his professional work, Joseph is involved in various community organizations such as the Rocklin Chamber of Commerce, Rocklin Youth Soccer Club, Sutter Roseville Medical Center Professional Advisors Council, Whitney Ranch Charitable Foundation, and Zafia's Family House. He enjoys golfing, ice hockey, soccer, spending time with his family, and traveling.

Kevin Thelen is a financial advisor at OSAIC with 18 years of industry experience. He holds Series 66 and Series 63 licenses and has worked previously at Woodbury Financial Services and Genovese Burford & Brothers. In addition to his advisory role, he is a partner at Prospero Wealth Advisors, where he oversees a fee-based asset management program and supports 401(k) business growth. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charities through a large network of affiliated advisers and advisory platforms. The firm provides integrated brokerage and investment advisory services, financial planning, and managed accounts using asset-allocation tools and risk-tolerance analysis, with offerings that include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Liana Hovhannisyan is a Series 66-licensed financial advisor at Morgan Stanley with one year of industry experience. Her background includes roles at Franklin Templeton and positions in education at California State University, Sacramento and American River College. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning based on structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate-sponsored financial planning services.

Matthew Perkins is a financial advisor with LPL Financial in Citrus Heights, CA. He holds a Series 66 designation and has 10 years of industry experience. Perkins has worked with LPL since 2013 and is also associated with Golden 1 Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base, including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, combining discretionary and non-discretionary management with access to model portfolios and research.

William Carson is a financial advisor with Osaic, holding Series 65 and Series 63 credentials and over 40 years of industry experience. He has worked with Royal Alliance Associates since 2018 and previously spent 36 years at JHFN Signator Investors. Outside of advisory work, Carson operates a sole proprietorship as an insurance agent, writing approximately one life insurance policy and one annuity annually. Osaic Wealth, Inc. serves a diverse client base including retail, high-net-worth, and institutional investors through a broad network of affiliated advisers. The firm offers integrated advisory and brokerage services, utilizing asset-allocation tools and third-party platforms to manage portfolios that include a range of investment products on discretionary or non-discretionary bases.

Kathleen Toschi is a financial advisor at Raymond James Financial with 11 years of industry experience. She holds a Series 66 designation and has previously worked at Edward Jones, Bank of America, Merrill, and Motif Capital Management. Outside of her advisory role, she is an owner and artist of an art website and serves as a committee member for Impact 100, a women-run nonprofit awarding grants to local organizations. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools, and supports a broad advisor network with specialized programs in municipal finance and SIMPLE IRA employer advisory services.

Joseph Bonacci is a financial advisor with LPL Financial based in Roseville, CA. He holds the CFA® designation along with Series 66 and Series 63 licenses and has 15 years of industry experience. His prior roles include positions at Northwestern Mutual and Cetera, among others. Bonacci is also involved with Sierra Ridge Wealth Management, a DBA for his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting supported by model portfolios and research from internal and third-party sources.

Julie Hassna is a financial advisor at Stifel with 11 years of industry experience. She holds the CFP®, ChFC®, and Series 63 designations. Prior to joining Stifel in 2022, she worked at Northwestern Mutual in various roles from 2014 to 2022. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach is based on proprietary analysis and forward-looking capital market assumptions developed by its Investment Strategy Group.

Raymond Digiuseppe is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo, he worked at Valic Financial Advisors, Agia, Systemcom US Inc, and Ameriprise. Outside of financial services, he is licensed as a construction contractor and serves as a qualifying individual for multiple construction-related companies. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Julie Ridgeway is a financial advisor with Cetera, holding a Series 66 designation and 39 years of industry experience. She has been associated with Cetera and its affiliates since 2013 and operates independently as well as through Chester & Associates, a firm she has been involved with since 1985. Outside of her advisory work, she is a partner in Rolling Hills Ranch, LLC, where she oversees the breeding, showing, and sale of horses. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform, combining affiliated and unaffiliated investment strategies with both discretionary and non-discretionary account management.

Stephen Moore is a financial advisor at Edward Jones with 11 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of more than 23,700 advisors, offering a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Aaron Fry is a CFP®, CFA®, and Series 66 licensed advisor at Fidelity with 16 years of industry experience. He has been with Fidelity Investments since 2013 and currently works in Roseville, CA. Outside of his advisory work, Fry is a member of a local band that performs at weddings and venues on weekends. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies.

Christina Florence is a financial advisor with Cambridge Investment Research Advisors and holds the CFP® and Series 66 credentials, with 22 years of industry experience. She is also a part owner and advisory representative of Lane Florence, LLC, where she has worked since 2007. Outside of her advisory roles, Christina serves as a board member of a local homeowner's association. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals who tailor strategies using proprietary models, third-party managers, and various platform arrangements.

Christopher Rasmussen is a financial advisor with OSAIC in El Dorado Hills, CA, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at Edward Jones and 3M Company. Rasmussen is also the owner of CantorBridge Financial, an LLC focused on financial planning, wealth management, and asset management. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services through multiple platforms, using advanced asset-allocation tools and third-party solutions to construct customized portfolios.

Darren Edge is a financial advisor with LPL Financial in Folsom, California, holding a Series 66 designation and bringing nine years of industry experience. He has been with LPL Financial and Golden 1 Credit Union since 2015. Outside of his advisory role, he serves as a youth soccer referee for local clubs in El Dorado Hills and Folsom. LPL Financial is a nationally registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management strategies supported by research and model portfolios.

David Stone is a financial advisor with OSAIC who holds the CFP® and ChFC® designations and brings 33 years of industry experience. Prior to joining OSAIC in 2025, he worked for Lincoln Financial Advisors Corporation for over three decades. In addition to his advisory role, he is an author and founder of Sierra Consulting Group, a financial planning and business planning firm. OSAIC serves a diverse client base, including retail and institutional investors, and offers comprehensive brokerage and advisory services through a large network of advisors and multiple platforms. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios that can include a variety of investments, supporting both discretionary and non-discretionary account management.

Ronald Kobrya is a financial advisor with Charles Schwab in Folsom, CA, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. His prior roles include positions at Equitable Advisors and Primerica Advisors. Outside of advising, he is involved in real estate as a property owner. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals. The firm offers a combination of non-discretionary advisory services and access to discretionary managed accounts, providing integrated brokerage, custody, and investment management solutions.

Ilja Tscherenkow is a financial advisor with Primerica Advisors in Roseville, CA, holding Series 63 and Series 65 licenses and 14 years of industry experience. He has worked with Primerica Financial Services since 2009 and is currently president of Team Limitless, an investment-related entity affiliated with Primerica. Outside of finance, he is involved in dog breeding with Power Brothers Amstaff. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options primarily to individual and high-net-worth clients. The firm uses third-party asset managers and BNY Mellon Advisors for portfolio implementation within a tiered wrap-fee structure.