Owen Munsill is a Financial Consultant at Fidelity Investments, a position he has held since 2022. He has been working in the financial industry for more than a decade, with previous roles including Investment Consultant and Relationship Manager at Fidelity Investments, Premier Banker at Wells Fargo, Relationship Banker at Chase Bank, Financial Advisor at Edward Jones, Senior Relationship Banker at Union Bank, and Business Banking Specialist at Wells Fargo. Throughout his career, Owen has focused on collaborating with clients to create personalized financial plans that reflect their unique goals and values. His approach involves identifying strategies tailored to align with the specific circumstances and purposes of each client. Owen holds a California Insurance License.

Susan Ando is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. She has held her current position since 2012 and holds a Series 66 credential. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its investment approach.

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 the Stone and Schoeppach Group at Merrill Lynch Wealth Management. With over 10 years of experience at Merrill, he works closely with clients to understand their priorities and long-term needs, helping them advance their financial goals through a combination of strategy, service, and focused action. Craig collaborates with other trusted advisors to provide a comprehensive approach to wealth management, including access to private banking services and lending solutions through Bank of America, N.A. Craig specializes in personalizing wealth strategies for complex financial matters, employing a disciplined and structured process that is regularly reviewed to remain effective across varying market conditions. His expertise includes college education planning, divorce transition planning, retirement income, special needs planning strategies, and both individual and corporate investment strategy. Craig earned a Bachelor's Degree in Business Management Marketing from Sacramento State University. He resides in Folsom, California, with his wife, Rebecca, and their three children. Outside of his professional role, Craig enjoys golfing, spending time outdoors, and hosting barbecues with friends and family.

Daniel Downard is a Series 66-licensed financial advisor at Raymond James Financial Services Advisors, Inc. with 10 years of industry experience. He previously worked at Merrill, Bank of America, Scottrade, and Waddell & Reed. Outside of his advisory work, he is a self-published author with a novel available on Amazon.com. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm provides tailored, non-discretionary planning and encourages implementation through its advisory programs or other providers, while supporting its services with advanced analytical tools and specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting.

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 with Wells Fargo Clearing in Sacramento, CA, holding a Series 66 designation and 17 years of industry experience. He has been with Wells Fargo entities since 2004, including ten years at Wells Fargo Clearing. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a broad range of investment advisory, financial planning, and retirement consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Nicholas Melnik is a financial advisor with LPL Financial holding a Series 66 designation. He has multiple years of work experience in both financial services and education, including roles at Miner Financial & Insurance and teaching positions at Sac State and Folsom Lake College. He has also been involved with Jesus Culture Sacramento. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, utilizing a network of investment adviser representatives who implement various portfolio strategies supported by research and technology.

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 worked at LPL Financial since 2006 and previously spent seven years at Wells Fargo Clearing. Outside of his advisory work, he serves as a sports official, umpiring high school and youth baseball games. 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 offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, with an emphasis on both strategic and tactical investment options.

Phillip Mottini is a financial advisor at Cetera with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Smith Mottini Financial Advisors and QA3 Financial LLC. He is also the owner of Plan Well Live Well, a financial planning and portfolio management business. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients nationwide. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and retirement services through a large network of independent advisors.

Tammy Paredes is a financial advisor at Fidelity with seven years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at JPMorgan Chase & Co., Wells Fargo Clearing, and Wells Fargo Bank. Outside of finance, she has been involved with Maxim Healthcare Services since 2020. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a range of clients, including retail and institutional investors, using a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its role in managing registered investment companies, use of AI in research, and delivering model portfolios to intermediary platforms.

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.

Corey Kamehaiku is a Series 66-licensed financial professional with nine years of industry experience. He is currently affiliated with Cetera and Woodcreek Wealth Management, where he has held roles since 2022 and 2023, respectively. His prior experience includes several years with First Allied Securities, Inc. Cetera Investment Advisers LLC is an SEC-registered advisor that serves a wide range of clients, including individuals, retirement plans, corporate and charitable accounts, and institutional investors. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with various investment program options.

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 and also works as an independent insurance agent selling fixed insurance products. 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 provides a variety of financial planning and investment management solutions, including model portfolios and access to third-party asset managers.

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 professional with six years of industry experience, currently affiliated with OSAIC and Blueprint Financial & Insurance Services, LLC. Prior to his advisory career, he served four years in the US Army. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs a variety of asset-allocation tools and investment options to construct portfolios tailored to client risk tolerances and preferences.