Rebecca Horrell is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 11 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at WELLS FARGO Advisors, LLC from 2014 to 2016, with additional experience at Wells Fargo Bank since 2003. Outside of her advisory role, she serves as treasurer for Summitview Child and Family Services, where she participates in financial policy development and organizational governance. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related investment options and bank deposit sweep programs among its offerings.

Robert Ferriman III is a financial advisor with Robert W. Baird & Co. in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Robert W. Baird since 2009. Outside of his advisory role, he serves as Chairman of the Finance Committee for Arts and Culture El Dorado. Robert W. Baird & Co. is an institutional firm serving individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations through a range of financial planning, portfolio management, and advisory services. The firm offers a mix of manager-traded and model-traded strategies, tax-management capabilities, and ongoing manager selection supported by internal research, serving approximately $394 billion in regulatory assets under management as of December 31, 2025.

Jarett Liddicoat is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining Merrill Lynch in 2004, he has focused on developing long-term financial advisory relationships tailored to each client's unique goals, risk tolerance, and time horizon. He provides a range of financial and investment services including wealth management, retirement planning, college planning, and portfolio management, supported by in-depth research and specialized resources. His client focus areas include divorce transition planning, education planning, family wealth management strategies, socially responsible and ESG investing, retirement income, and small business strategies. Jarett holds Bachelor's of Science degrees in Exercise Physiology from the University of California at Davis and Nursing from St. Mary's/Samuel Merritt College. He is FINRA Series 7 and 66 registered, holds life and health insurance licenses, and has earned professional designations such as Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Prior to his financial advisory career, he spent eight years as a critical care and trauma nurse. Jarett and his wife Leanne, who is a partner in a local optometric practice, have been longtime residents of the Granite Bay area before relocating to Newcastle in 2018. They are active members of Bayside Church, where Jarett volunteers with a special needs group, reflecting his commitment to community involvement. He is also a father of twin daughters born in 2008 and enjoys a variety of personal interests including billiards, football, golfing, music, table tennis, tennis, volleyball, watching movies, woodworking, and spending time with his family.

John Pruess is a financial advisor at UBS Financial Services with 27 years of industry experience. He holds Series 63 and Series 66 credentials and has been with UBS since 2015. Based in Sacramento, CA, he provides services through one of the largest financial advisory firms. UBS Financial Services serves individual, corporate, and institutional clients offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, operating as a broker-dealer, investment adviser, and futures commission merchant.

Jason Won is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and its Private Bank division since 2013 and 2015, respectively. Morgan Stanley Wealth Management offers a range of advisory programs to both individual and institutional clients, emphasizing structured financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides tailored financial planning through its Financial Advisors and Estate Planning Strategies Group.

David Aton is a CFP®-designated financial advisor with 29 years of industry experience. He has been with Ameriprise since 2005, currently serving clients through its Roseville, CA office. Outside of advisory work, he is involved in independent insurance brokering, including life and health insurance products. Ameriprise offers a retirement-income planning service tailored to individuals nearing or in retirement with significant investable assets. The firm’s approach combines research, modeling, and tax-efficiency analysis to provide non-discretionary recommendations through a centralized consulting team, emphasizing managed accounts and algorithmic support in its planning process.

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.

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.

Brent Scott is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 1997. He has more than three decades of experience in the investment industry, including four years as a Financial Advisor at Ameriprise (formerly IDS American Express Financial Advisors) from 1993 to 1997. Brent focuses on helping clients protect and grow their wealth through customized financial and retirement plans. With 29 years at Fidelity, Brent emphasizes the importance of listening to clients to develop strategies that align with their lives and goals. He holds a California Insurance License, which complements his financial consulting expertise. Outside of his professional work, Brent enjoys attending concerts, fitness activities, social events with friends, reading, skiing, and traveling.

Linda Wenker is a financial advisor with LPL Financial, holding Series 63 and Series 65 registrations and bringing 41 years of industry experience. Prior to joining LPL Financial in 2025, she worked at Western International Securities, Inc. for 17 years. Her other business activity includes serving as a non-variable insurance agent. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, 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, supported by both discretionary and non-discretionary management and a variety of model portfolio options.

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.

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.

Waheeda Sherzai is a financial advisor at Morgan Stanley in Sacramento, CA, with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2019. Prior to that, she held roles at State Farm VP Management Corp and multiple insurance agencies from 2015 to 2019. Outside of advisory work, Sherzai is active as a Pashto language interpreter for various courts and educational organizations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs with a structured financial planning process supported by firm-approved tools and research from its Global Investment Committee.

Peter Cole is a ChFC® designated financial advisor with 26 years of industry experience, currently associated with OSAIC in Sacramento, CA. His prior work includes a 12-year tenure at Everbank, and he also maintains a longtime practice in clinical social work, providing individual and marital counseling under a California Clinical Social Work License. In addition to his advisory roles, he operates as a licensed insurance producer offering life and disability insurance products. OSAIC serves a diverse client base, including retail and institutional investors, and offers brokerage and investment advisory services across multiple platforms. The firm employs a range of portfolio construction tools and supports various investment strategies, including access to third-party managers and wrap programs.

Erik Renaud is a Series 65-registered advisor at Fisher Investments with 14 years of industry experience. He has been with Fisher Investments since 2005. Fisher Investments serves a global mix of institutional and private clients, including pension and profit-sharing plans, foundations, investment companies, and high-net-worth individuals, offering discretionary portfolio management across various asset classes. The firm combines quantitative and qualitative research with centralized portfolio management to construct globally diversified portfolios and employs tax-aware processes and defensive tactics to manage risk.

Michael Sommer is a financial advisor at Fidelity with Series 63 and Series 66 credentials and two years of industry experience. Prior to joining Fidelity, he worked in various roles including at iLending and the Arapahoe County School District. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a systematic investment process that incorporates proprietary research, quantitative analysis, and algorithmic portfolio construction.