Max Modeste is a financial advisor at Fidelity with two years of industry experience. He holds the Series 66 designation and has worked previously at Scoular and William Jessup. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm combines fundamental research with quantitative analysis and uses algorithmic portfolio construction, including model portfolios built from mutual funds, ETFs, and ETPs.

Luz Meraz Johnson is a financial advisor with LPL Financial, holding a Series 66 designation and 19 years of industry experience. She has worked with LPL Financial since 2010 and previously with Edward Jones from 2007 to 2010. Outside of her advisory role, she is involved in wellness advocacy through doTERRA and operates a training and education program called Aging Well of CA LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

John Duwe is a financial advisor with LPL Financial in Antelope, CA, holding a Series 66 credential and having nine years of industry experience. He has worked at LPL Financial since 2017 and previously worked at SAFE Credit Union and CVS/Pharmacy. Outside of his advisory role, he is a non-variable insurance producer with Back Nine. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions through a large network of advisors supported by research, technology tools, and multiple financial services outside the advisory platform.

Eric Schraeder is a Vice President and Wealth Planner at Fidelity Investments, where he has been serving since 2016. In this role, he partners with families to prioritize wealth planning goals and prepare for both certainties and unknowns they may face. He has over a decade of experience in financial advisory, having worked as a Financial Advisor at US Bancorp Investments, Inc. from 2011 to 2016, and previously at UBS Financial Services and Wells Fargo Advisors from 2007 to 2011. Eric holds a California Insurance License.

Jeffrey Sundberg is a financial advisor with Charles Schwab in Folsom, CA, holding Series 63 and Series 66 licenses and 30 years of industry experience. His career includes over two decades at TD Ameritrade and a brief tenure at Fidelity Investments before joining Charles Schwab in 2022. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, supported by a multi-asset portfolio approach and centralized operational infrastructure.

Sita Lalchandani is a CFP® with 30 years of industry experience, currently an advisor at Cetera. She has been with Cetera Advisors LLC since 2012 and joined Cetera in 2024. Outside of her advisory role, she is involved with GLH&C Financial Services, a securities and fixed insurance business. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Roosevelt Kirby is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and having 36 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 1989. His other business activities include sales of loan products and home-related services through affiliates of PFS Investments Inc. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and selectively managed accounts for individual and high-net-worth clients within a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors.

David Degrandmont is a financial advisor with Wells Fargo Clearing in Roseville, CA, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Bank of America and Merrill. Wells Fargo Clearing provides retirement plan consulting for qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services grounded in an IPS-driven process and modern portfolio theory. The firm’s offerings include a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Christopher Petralli is a financial advisor with Morgan Stanley in Roseville, CA, holding a Series 66 designation and 18 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Wells Fargo Clearing. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery and firm-approved tools, emphasizing advisory services without providing individual security recommendations as part of standalone planning.

Reginald Willhite is a financial advisor at LPL Enterprise with four years of industry experience. He holds a Series 66 designation and has prior experience at The Prudential Insurance Company of America, Pruco Securities LLC, Stryker, and Allergan PLC. LPL Enterprise serves a broad client base including individual and high-net-worth investors, retirement plans, banks, and charitable entities, delivering investment advisory and brokerage services through a network of representatives using model-driven portfolios and offering access to third-party asset managers and financial planning services.

Jeffrey Chorn is a financial advisor at Fidelity with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Fidelity Investments since 2011, with prior experience at Citigroup Global Markets. He is part of Strategic Advisers LLC, a Fidelity company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, and it has distinctive roles including commodity pool operation and advisory services to multiple registered investment companies.

Vladislav Avdeyuk is a financial advisor with LPL Financial in Granite Bay, CA, holding a Series 66 designation and five years of industry experience. His prior work includes roles at Honor Bound Partners and Rubicon Advisors. Avdeyuk also provides administrative support to Mariner Independent Advisor Network, an independent investment advisory firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports a range of investment strategies through a large network of advisors and combines its advisory platform with various financial services and partnerships.

Kristen Haydon is a financial advisor at OSAIC with a Series 66 designation and one year of industry experience. Her prior roles include positions at Retirement Security Centers and the Financial Wellness Clinic, as well as a decade of self-employment. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and various investment options across multiple platforms.

Kulvinder Rai is a financial advisor with LPL Financial in Fair Oaks, CA, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He previously worked at Charles Schwab for five years before joining LPL Financial in 2012. Rai also serves in a fiduciary capacity and acts as trustee for a living trust. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a broad network to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, including model portfolios, third-party asset management, and institutional platforms.

Steven Hudgins is a financial advisor at Robert W. Baird & Co. with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Stifel Nicolaus & Co., Wells Fargo Clearing, Wells Fargo Advisors LLC, Morgan Stanley, and A. G. Edwards & Sons, Inc. He is part of The DDK Group within Robert W. Baird’s Private Wealth Management department, which serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management through separately managed accounts, and municipal advisory services, supported by ongoing manager selection and internal research.

Raina Montgomery is a financial advisor with Edward Jones in Carmichael, CA, holding a Series 66 credential and one year of industry experience. Her prior work includes several educational roles at institutions such as Capital Christian School and Victory Christian School. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm offers a range of advisory strategies and affiliated investment products, operating under a fiduciary standard and supported by a large national network of financial advisors and branch offices.

Sean Lucas is a Senior Vice President and Wealth Management Advisor with Merrill Lynch Wealth Management, where he is a partner in the Lucas Cronin Group. He began his financial services career in 1995 and focuses on building long-lasting relationships with clients by delivering a comprehensive approach to wealth management. Sean’s approach emphasizes understanding clients’ life priorities to create personalized strategies tailored to their goals and aspirations. Sean and the Lucas Cronin Group serve business owners, executives, entrepreneurs, and families with services that include personal retirement planning, portfolio management, and retirement income strategies. The team combines modern wealth management techniques with access to Bank of America’s banking services to simplify clients' financial lives. Sean holds multiple professional designations including Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Sean earned a bachelor’s degree from the California State University System. Outside of his professional work, he enjoys music, spending time with his family, and watching movies.

Richard Osen III is a financial advisor at Ameriprise in Sacramento, CA, holding a Series 66 designation. He began his advisory career at Ameriprise in 2024 after prior roles at Sutter Builders, Strike Tax, and positions at two country clubs and a high school. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored recommendation reports. The firm operates as a large institutional provider offering a broad range of advisory, brokerage, and insurance solutions.

Ashish Desai is a financial advisor with LPL Enterprise in Roseville, CA, holding Series 63 and Series 65 licenses and three years of industry experience. His prior roles include positions at NYLIFE Securities LLC and New York Life Insurance Company. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and insurance products through its network of investment adviser representatives.

Matthew Voelker is the Vice President and Branch Leader at Fidelity Investments, a position he has held since 2015. In this role, he supports a team of associates and Financial Consultants focused on helping clients achieve their financial goals and dreams. Matthew has extensive experience in the financial services industry, having held multiple leadership roles at Prudential from 1990 to 2014, including Territorial Vice President, Managing Director, Sales Manager, and Representative. He holds a California Insurance License. Outside of his professional responsibilities, Matthew enjoys baseball, golf, traveling, and spending time with family and friends.