Deron Allred is a CFP® certificant with 38 years of industry experience. He is currently affiliated with OSAIC and has worked previously at Royal Alliance Associates, Inc. and Signator Investors, Inc. He also owns Blueprint Financial and Insurance Services LLC, where he sells term insurance. OSAIC serves a diverse client base that includes individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides a range of brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios with various investment vehicles.

Craig Stone is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in delivering personalized wealth strategies tailored to the complex financial needs of business owners, individuals, and families. With over 13 years of experience in the financial industry, Craig emphasizes a disciplined, goals-based approach to wealth management that adapts to varying market conditions. His client focus areas include college education planning, divorce transition planning, personal retirement planning, special needs planning strategies, individual and corporate investment strategy, and retirement income. Craig earned a Bachelor’s Degree in Business Management from the California State University system. Holding the Personal Investment Advisor (PIA) designation, he is committed to building enduring client relationships based on trust and high-quality service. He collaborates with other trusted advisors and leverages Bank of America's and Merrill Lynch's resources to deliver comprehensive financial solutions, including home financing guidance through Wealth Management Lending Officers. Residing in Folsom, California, Craig balances his professional responsibilities with active involvement in his community and family life. He enjoys coaching his children’s baseball, soccer, and basketball teams and spending time outdoors playing golf. Craig prioritizes understanding his clients’ life goals to create personalized plans that align with what matters most to them.

Derek Van Dyke is a Series 66-credentialed financial advisor with one year of industry experience, currently affiliated with Cambridge Investment Research Advisors. His prior work includes roles at Cantella & Co., Inc., Door Dash Inc., and California State University Stanislaus. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm provides financial planning, investment management, and retirement plan advisory through independent Financial Professionals using various custody platforms and both discretionary and non-discretionary strategies.

Julie Granja is a CFP®-certified financial advisor with Edward Jones, based in Gold River, CA. She has 11 years of industry experience, including nine years with Edward Jones since 2017. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over $1 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Colin Fajardo is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo in various capacities since 2004, including roles at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Nicholas Melnik is a financial advisor with LPL Financial based in Folsom, CA. He holds a Series 66 designation and has experience working in financial services and education since 2016, including positions at Miner Financial & Insurance and multiple educational institutions. He has been affiliated with LPL Financial since 2023. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement plan consulting, utilizing discretionary and non-discretionary management supported by in-house and third-party research.

Christian Lowe is a Planning Consultant at Fidelity Investments, where he assists individuals and families in developing personalized financial strategies that integrate investments, retirement planning, and long-term goals. He employs a disciplined, client-focused approach to financial planning. Prior to his current role, Christian served as a Relationship Manager at Fidelity Investments from 2023 to 2024 and was a Financial Solutions Representative at Merrill Lynch from 2015 to 2021. He holds a California Insurance License. Outside of his professional work, Christian has interests in fitness, hiking, music, outdoor adventures, traveling, and food.

Andrew Ciampa is a financial advisor with J.P. Morgan Securities in Sacramento, CA. He holds a Series 66 designation and has four years of industry experience, including roles at Bank of America and Merrill. Prior to entering finance, he worked in the restaurant industry and attended Elon University. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its recommendations.

Wesley Mar is a financial advisor with LPL Financial in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with LPL Financial since 2006. Outside of his advisory role, he is involved in coaching and umpiring high school and youth baseball games. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, various advisory programs, and retirement plan consulting, with access to model portfolios and research from multiple sources.

Phillip Mottini is a financial advisor at Cetera with 29 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Cetera and its related entities since 2013. Mottini is the owner of Plan Well Live Well, a financial planning and portfolio management business. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Tammy Paredes is a financial advisor at Fidelity with six years of industry experience. She holds Series 63 and Series 65 designations and has worked previously at JPMorgan Chase & Co., Wells Fargo Clearing, and Wells Fargo Bank. In addition to her financial roles, she has an ongoing position with Maxim Healthcare Services. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction across a range of fund and model portfolio solutions.

JJ Veth is a Planning Consultant at Fidelity Investments, a role held since 2025. Prior to this, JJ served as a Relationship Manager at Fidelity Investments from 2023 to 2025 and as a Financial Representative at the same firm from 2022 to 2023. Before joining Fidelity, JJ worked as a Relationship Banker at Chase Bank from 2021 to 2022. JJ's approach to financial planning focuses on guiding clients through every phase of life with a comprehensive and holistic strategy. This includes offering considerations for retirement planning, tax-efficient investing, and legacy planning, supporting clients whether they are starting out, preparing for retirement, or facing major life transitions. JJ holds a California Insurance License and has personal interests that include fitness, food, movies, reading, and traveling.

Emily Bruns is a financial advisor at Edward Jones in Sacramento, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, she worked with the Foundation for California Community Colleges and served in the California State Senate. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment options supported by a nationwide network of more than 23,700 financial advisors.

Jordan Gillming is a Financial Consultant at Fidelity Investments, where he partners with individuals and families to develop personalized financial plans aimed at achieving their specific goals. He emphasizes building lasting relationships and fostering a collaborative environment to ensure clear understanding and teamwork throughout the financial planning process. Jordan has been with Fidelity Investments since 2017, holding various roles including Investment Consultant, Fixed Income Specialist, and Investment Solutions Representative. Prior to joining Fidelity, he worked as an Investment Professional at The Vanguard Group from 2014 to 2017. He holds a California Insurance License. Outside of his professional work, Jordan enjoys fishing, football, hiking, outdoor adventures, and volunteering.

Doug Beard is a Planning Consultant at Fidelity Investments, a role he has held since 2024. In this capacity, he collaborates with clients and their families to develop and maintain personalized financial plans, focusing on creating clear and actionable roadmaps tailored to their needs. Prior to joining Fidelity Investments, Doug accumulated extensive experience in the financial services industry. He served as a Senior Investment Specialist at Principal Financial Group from 2020 to 2023 and held the position of Senior Internal Wholesaler there from 2002 to 2020. His professional background encompasses comprehensive financial planning and investment services. Doug holds insurance licenses in Arkansas and California. Outside of his professional work, he has interests in concerts, football, gardening, movies, painting, and spending time with pets.

Linda Santiago is a financial advisor with Primerica Advisors in Fort Myers, FL, holding Series 63 and Series 65 licenses and six years of industry experience. She has been with Primerica Advisors since 2019 and previously worked at PFSI Investments Inc. and Primerica Financial Services. Outside of advising, she is involved in sales related to home security, automation products, and loan services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-based strategies and discretionary separately managed accounts to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Gerald Harshberger II is a financial advisor with LPL Financial in Roseville, CA, holding a Series 66 designation and 15 years of industry experience. He has been with LPL Financial since 2011. Outside of his advisory role, he operates as an independent insurance agent selling fixed non-variable insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a variety of advisory programs, financial planning, and retirement consulting, with both discretionary and non-discretionary management supported by research and model portfolios.

Christopher Nunn is a financial advisor at Mass Mutual Investors Services with 19 years of industry experience. He holds the Series 63 and Series 65 designations and has been with MML Investors Services LLC and MassMutual Life Insurance Company since 2015. Outside of his advisory role, he is also licensed as an independent life insurance agent. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software and collaborative annual planning to guide clients’ investment strategies.

Keith Allred is a financial advisor with Osaic Wealth, Inc. based in Roseville, CA, holding a Series 66 designation and five years of industry experience. Prior to joining Osaic in 2020, he served in the US Army from 2016 to 2020. He is also affiliated with Blueprint Financial & Insurance Services, LLC, where he is involved in financial services and life insurance. Osaic Wealth, Inc. serves a diverse client base including individual investors, institutions, and charitable organizations through a wide network of affiliated advisers and multiple advisory platforms. The firm employs various portfolio construction tools and offers integrated brokerage, advisory services, and access to third-party money managers.

Rodolfo De La Riva is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC and a long tenure with Wells Fargo Bank, N.A. In addition to his advisory role, he works part-time as a cashier at Chevron Stations Inc. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.