Daniel Vetter is a CFP® with 28 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he is involved in youth baseball as an umpire and participates in product development and marketing for a baseball strike zone manufacturing business. He also serves on the oversight committee for a local homeowners association. 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 IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Nicholas Brown is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he and his team apply their expertise to assist families, businesses, and foundations in managing wealth’s complexities and opportunities. They focus on delivering a proactive and tax-efficient investment process covering short-, intermediate-, and long-term retirement income planning. Nick supports clients through discretionary management of customized investment strategies, utilizing Merrill Lynch model portfolios and third-party options, with services including retirement income and projection analysis, tax minimization, 401(k) rollovers, estate planning, education funding, and charitable giving. Nick began his financial services career in 2017 at Forester’s Financial, developing strategies for public service professionals including teachers, firefighters, and police officers. He holds a bachelor’s degree from the California State University system and the professional designations of CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) and Personal Investment Advisor (PIA). He is a past president of the Active 20-30 Club of Sacramento No. 1, a charitable organization addressing the needs of underprivileged children, and actively participates in community service through Habitat for Humanity and as an Eagle Scout. Outside of his professional role, Nick lives in Folsom with his wife and dog. His personal interests include traveling, golfing, spending time with family, and supporting the Green Bay Packers.

Jayne Auble is a financial advisor with Morgan Stanley in Sacramento, CA, holding a Series 66 designation and six years of industry experience. She has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2019 and was previously employed at Insight Global from 2014 to 2019. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning that uses structured discovery conversations and firm-approved tools to model outcomes. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Larry Galia is a financial advisor at Cetera with 25 years of industry experience. He holds a Series 66 designation and has been with Cetera Wealth Services, LLC since 2013. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual clients, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Cristina Jurado Smith is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related investment options and bank deposit sweep programs.

Heather Djuric is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding a Series 66 designation and 10 years of industry experience. She has worked at Wells Fargo Clearing since 2018 and previously spent four years at Morgan Stanley. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Kenneth Mc Cready is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2017. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a wide range of advisory programs, including tailored financial planning utilizing firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and provides financial planning services supported by its Financial Advisors and Estate Planning Strategies Group.

Kristin Tangen is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. Their advisory process is driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among their investment offerings.

Noah Boctor is a financial advisor at Cetera with Series 66 credentials and less than one year of industry experience. His prior work includes roles at Norcal Flight Center and In-N-Out, alongside entrepreneurial activity with HNL Boctor Holdings. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual investors, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with access to various portfolio management and financial planning services through a large nationwide network of independent advisors.

Jacob Locke is a financial advisor with Edward Jones in Folsom, California, holding a Series 66 credential and one year of industry experience. Prior to joining Edward Jones, he spent ten years working with the Folsom Cordova Unified School District. Edward Jones is a full-service wealth management firm that serves over four million individual and institutional clients. The firm offers a range of advisory strategies and affiliated investment products, operating under a fiduciary standard and supported by a nationwide network of more than 23,700 financial advisors.

Adam Marcoux is a financial advisor at Edward Jones with three years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley and Merrill. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a wide range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Dwaine Baasch is a financial advisor with LPL Financial, holding a Series 66 designation and 16 years of industry experience. He previously worked at Securities America Advisor, Inc. from 2012 to 2024 and has been involved with BAASCH Industries Inc dba KOI Tax Service since 2014. In addition to his advisory work, he is engaged in tax preparation and accounting through Koi Tax Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Douglas Norton is a financial advisor at Wells Fargo Clearing with 23 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo in various capacities since 2012. Outside of finance, he owns and operates a photography business based in Sacramento, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services guided by an IPS-driven process grounded in modern portfolio theory. The firm serves institutional clients with tailored investment solutions and includes insurance-related vehicles and bank deposit sweep options among its offerings.

Elliott Dutro is a financial advisor at Morgan Stanley with 16 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2014 and 2015, respectively. Outside of his advisory role, he serves as a board member of the Boys and Girls Club in Chico, California, and is an officer for Dutro Orchards, an agricultural business. 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 using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Kelley Grimes is a financial advisor at Morgan Stanley with 26 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009 and holds Series 63 and Series 66 designations. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Stephen Merle is a financial advisor at LPL Financial with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Linsco Private Ledger since 2007. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management options.

Zachary Gomez is a financial advisor at Morgan Stanley in Sacramento, CA, holding Series 63 and Series 65 licenses. He has one year of industry experience and previously worked at Safe Credit Union, Best Buy, O'Reillys Auto Parts, Intech Mechanical, and Kids Camp. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

Joshua Rienks is a financial advisor at Edward Jones with 20 years of industry experience. He holds a Series 66 designation and previously worked at Franklin Distributors, LLC / Franklin Templeton Financial Services and Advisors Asset Management, Inc. Outside of his advisory work, Rienks is the owner and artist of JDR Artworks, a business focused on commissioned art and art shows. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment options through a nationwide network of financial advisors.

Aryan Manchanda is a financial advisor at OSAIC with three years of industry experience and holds a Series 66 designation. He previously worked at Lincoln Financial Advisors and has supported financial planning efforts through a role as a financial paraplanner at Retirement Security Centers. Manchanda has also been employed at Sierra College for nine years alongside his advisory career. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services through a large network of advisers and employs a range of asset-allocation tools, third-party money managers, and unified managed accounts to construct portfolios across various asset classes.

Claudia Seelbach is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She has been with Merrill and Bank of America N.A. since 2022 and previously worked at Bank of America N.A. from 2011 to 2022. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.