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.

Christopher Cottrell is a financial advisor with Osaic, holding the CFP® and Series 63 designations and bringing 10 years of industry experience. He has worked at Woodbury Financial Services and Questar Capital, and he is a partner at Hoppe & Cottrell LLP, a CPA and tax advisory firm serving individual and business clients. He is also a partner at Hoppe Cottrell Advisors LLC, involved in the sales and service of fixed insurance products. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and advisory services, employing asset allocation tools and offering portfolios that include a range of investment types managed on both discretionary and non-discretionary bases.

Yan Evans is a Vice President and Financial Consultant at Fidelity Investments, a position held since 2019. In this role, Yan works closely with clients to understand their unique financial situations and develop tailored plans to address their goals and uncertainties. Yan has extensive experience in the financial services industry, having held roles as a Financial Advisor at Morgan Stanley from 2017 to 2019 and at Edward Jones from 2016 to 2017. Prior to that, Yan was a Brokerage Associate at Wells Fargo Advisors between 2012 and 2016, and served as an Associate Vice President at Aviva Insurance from 2008 to 2011. Yan holds a California Insurance License. Outside of work, Yan is interested in camping, hiking, running, skiing, traveling, and volunteering.

Therynn Winberry is a financial advisor at Equitable Advisors with one year of industry experience. He holds a Series 66 designation and has held various roles outside of financial advising, including employment with Instacart and positions in education and other industries. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm’s offerings include multiple advisory programs and access to third-party asset managers, with a focus on matching clients to appropriate investment models and discretionary managers.

Joshua Sanchez is a financial advisor with Merrill in Folsom, CA, holding a Series 66 designation and four years of industry experience. His work history includes positions at Bank of America, Merrill, and Wells Fargo, as well as involvement in roles outside finance such as with Grateful Bread. 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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.

Aaron Johnson is a Branch Leader at Fidelity Investments' Sacramento Investor Center, where he leads a team of Financial Consultants dedicated to co-creating personalized financial plans tailored to clients' unique needs. His focus is on assisting clients with their financial planning to facilitate a smooth transition into and through retirement. Aaron has extensive experience in the financial services industry, having held various roles including VP positions at Wells Fargo Advisors, where he was involved in affluent business management, financial advisor productivity consulting, and affluent segment leadership. His career in financial advising began at E*Trade Financial and has spanned over two decades. He holds a California Insurance License. Outside of his professional work, Aaron enjoys fitness activities such as golf, hiking, running, skiing, and traveling.

Erika Pandy is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, she provides advisory and wealth management services to clients, including affluent families, professionals, business owners, and corporate executives. Erika’s practice focuses on areas such as divorce transition planning, retirement income, portfolio management services, and support for endowments, foundations, and defined benefit plans. Her professional and educational background supports her expertise in financial advising. Erika holds an MBA from Saint Joseph’s University and a Bachelor of Arts from LaSalle University. She has earned several professional designations, including Certified 401(k) Professional (CKP), Chartered Retirement Planning Counselor™ (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). She is conversant in English and Italian. Outside of her professional responsibilities, Erika is engaged in community activities in Philadelphia. She is involved with organizations such as the Delaware Valley Youth Athletic Association and Saint Pio Catholic School. Her personal interests include spending time with her family, reading, and baseball.

Michael Baril is the Vice President Private Wealth Management Advisor. He provides strategic planning and consulting on complex wealth planning topics, focusing on helping clients integrate their workplace benefits with their personal financial goals to pursue financial wellness. He places importance on understanding his clients, their families, and all aspects of their lives. Michael has held various roles in the financial industry, including Vice President, Executive Planning Consultant at Fidelity Investments since 2018. He has previously worked as a Senior Wealth Advisor at Reilly Financial Advisors (2017-2018), Wealth Manager at USAA Wealth Management (2011-2016), Vice President, Wealth Advisor at J.P. Morgan Chase (2009-2011), Financial Advisor at Morgan Stanley (2008-2009), Vice President at Bear Stearns & Co. (2006-2007), Associate at J.P. Morgan (2003-2006), Financial Consultant at Merrill Lynch (2000-2002), Trader at Ameritrade (1999-2000), Financial Advisor at Equitable (1998-1999), and Trader at Fidelity Investments (1997). He holds a California Insurance License.

Joseph Evans is a financial advisor at Cetera with 37 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Morgan Stanley and D.A. Davidson & Co. He is the owner of Evans Wealth Management, where he provides holistic wealth advice and investment management. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. Its investment approach includes discretionary and non-discretionary portfolio management with access to a variety of third-party managers and model portfolios.

Tarunjit Ahluwalia is a financial advisor at Fidelity with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at JP Morgan Securities LLC, Merrill, and Bank of America. Outside of his advisory role, he is listed as the president of a limousine transportation business, A-1 Limo Service Inc, though he has no active duties there. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing proprietary research, quantitative analysis, and algorithmic portfolio construction to manage diverse investment portfolios.

Joanne Nuguit is a financial advisor at Morgan Stanley in Folsom, CA, holding a Series 66 designation with 11 years of industry experience. She has been with Morgan Stanley since 2013. Outside of her advisory role, she is co-owner of a computer and networking technical support business, Foothill Technical Solutions, where her husband is the primary owner. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and includes services such as personalized financial plans without individual security recommendations as part of standalone programs.

James Kirwan is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 licenses and bringing 50 years of industry experience. Prior to joining Ameriprise in 2020, he worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. He serves on the Board of Directors for the American Diabetes Association Nor Cal. Ameriprise offers retirement-income planning services targeting individuals with significant investable assets, combining research-driven, model-based recommendations with tax-efficient strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Leo Kay is a financial advisor with Merrill in Citrus Heights, CA, holding a Series 66 designation and 17 years of industry experience. He has worked at Bank of America and Merrill since 2014. Outside of his advisory role, he serves as successor trustee for a family living trust. 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. The firm supports individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Jagger Saca is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he was involved with FILCO Inc. and attended Loyola Marymount University. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of financial advisors and branch offices.

Alex Dutra is a financial advisor with Edward Jones in Folsom, CA, holding a Series 66 designation and 16 years of industry experience. His prior experience includes a 22-year tenure at Merrill Lynch (Bank of America) before joining Edward Jones in 2025. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,700 advisors and offers a range of advisory programs and investment solutions under a fiduciary standard.

Matthew Buschow is a financial advisor with Morgan Stanley in Sacramento, CA, holding Series 65 and Series 63 licenses and having three years of industry experience. His prior work includes roles at Wells Fargo Clearing, Wells Fargo Bank, the Law Offices of Robin C. Bevier, and ownership of the Wild Goose Tavern. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies to address client needs.

Alexandra Telaro is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 13 years of industry experience. She previously worked at Morgan Stanley Smith Barney LLC from 2016 to 2018 before joining Wells Fargo in 2018. Alexandra serves as the chairperson of the Junior League of Sacramento's endowment fund and is a trustee for the Sacramento County Employees' Retirement System. Wells Fargo Advisors provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, including pension and charitable organizations. The firm manages roughly $671 billion in assets with over 14,000 financial advisors and offers both brokerage and advisory solutions.

Joshua Pelz is a financial advisor with Morgan Stanley in Sacramento, CA, holding Series 63 and Series 66 licenses and 16 years of industry experience. His prior experience includes roles at Merrill and Bank of America. He serves as a board member of the Rotary of Sacramento’s foundation, where he participates in decisions regarding community support funds. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s approach involves structured discovery and planning tools without individual security recommendations as part of its standalone planning services.