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.

Amandeep Singh is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at Bank of America, N.A. since 2018 and joined Merrill in 2021. Outside of his advisory role, he is a general partner and managing member of Preferred Logistics, a freight delivery business. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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.

Raneeta Singh is a Financial Consultant at Fidelity Investments, a position she has held since 2023. She has accumulated extensive experience in the financial services industry, having worked as a Financial Advisor at Wells Fargo & Company in 2022 and at Merrill Lynch Pierce Fenner & Smith Incorporated from 2019 to 2022. Prior to these roles, she served as a Premier Banker at Wells Fargo & Company from 2014 to 2019. Raneeta holds a master's degree in Business Management, which, combined with her years of industry experience, equips her to effectively guide clients in achieving their financial goals. She holds a California Insurance License, supporting her professional capacity in the financial sector. Growing up as an immigrant in an underserved community, Raneeta developed a passion for financial education aimed at helping individuals pursue their objectives. Outside of her professional work, she enjoys motorcycles, music, outdoor adventures, parenthood, and traveling.

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 at The Lucas Cronin Group within Merrill Lynch Wealth Management. He specializes in retirement planning, fiduciary strategies through the Merrill Investment Advisory Program, and personalized wealth management services tailored for business owners, executives, institutions, and families. Through his role, he helps clients simplify and integrate all aspects of their financial lives, providing access to Bank of America's banking services and delivering customized strategies focused on clarity, transparency, and long-term relationships. Joseph holds a Bachelor's Degree from San Jose State University and has earned several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His expertise centers on retirement planning, investments, and comprehensive financial strategies. Outside of his professional duties, Joseph is actively involved in the community, participating with 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, traveling, and spending time with his family.

Kevin Thelen is a financial advisor with OSAIC in Roseville, CA, holding Series 63 and Series 66 designations and 18 years of industry experience. His prior firms include Woodbury Financial Services, BeYou Financial LLC, Genovese Burford & Brothers, and Ameriprise. He is a partner at Prospero Wealth Advisors, where he is involved in fee-based asset management and 401(k) business development. OSAIC serves a diverse client base, including individual investors, high-net-worth clients, pension plans, and corporations, offering integrated brokerage and advisory services through a large network of affiliated advisers and multiple platforms. The firm employs advanced asset-allocation tools and provides access to a wide range of investment products and third-party managers.

Liana Hovhannisyan is a Series 66-licensed financial advisor at Morgan Stanley with one year of industry experience. Her background includes roles at Franklin Templeton and positions in education at California State University, Sacramento and American River College. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning based on structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate-sponsored financial planning services.

Matthew Perkins is a financial advisor at LPL Financial with 11 years of industry experience. He holds the Series 66 designation and has worked at LPL since 2015. Perkins is also associated with Golden 1 Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a network of over 22,800 advisors.

William Carson is a financial advisor at OSAIC with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Jhfn Signator Investors, Inc. for 36 years before joining Royal Alliance Associates, Inc. In addition to advisory work, he operates two sole proprietorships as an insurance agent, each involving limited activity in life insurance and annuity policies. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and nonprofits. The firm provides integrated brokerage and advisory services using asset-allocation tools, risk assessments, and access to third-party managers, operating multiple platforms with discretionary and non-discretionary 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.

Joseph Bonacci is a CFA® charterholder affiliated with LPL Financial, with 15 years of industry experience. He has held positions at firms including Northwestern Mutual Wealth Management Company and Ameriprise. Bonacci is also associated with Sierra Ridge Wealth Management, a DBA entity connected to his LPL business. LPL Financial is a national broker‑dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a broad range of advisory and brokerage services through a large network of investment adviser representatives using diverse investment strategies and platforms.

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.

Stephen Moore is a financial advisor at Edward Jones with 11 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of more than 23,700 advisors, offering a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Kevin Mc Kemie is a financial advisor with Edward Jones in Auburn, CA, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has worked at Edward Jones since 2017 and previously held positions at Northern Lights Distributors, USAA Financial Planning Services, and Voya Investment Management. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds, supported by a large national network of advisors and branch offices.

Aaron Fry is a CFP®, CFA®, and Series 66 licensed advisor at Fidelity with 16 years of industry experience. He has been with Fidelity Investments since 2013 and currently works in Roseville, CA. Outside of his advisory work, Fry is a member of a local band that performs at weddings and venues on weekends. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies.

Christina Florence is a financial advisor with Cambridge Investment Research Advisors and holds the CFP® and Series 66 credentials, with 22 years of industry experience. She is also a part owner and advisory representative of Lane Florence, LLC, where she has worked since 2007. Outside of her advisory roles, Christina serves as a board member of a local homeowner's association. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals who tailor strategies using proprietary models, third-party managers, and various platform arrangements.

Christopher Rasmussen is a financial advisor with OSAIC in El Dorado Hills, CA, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at Edward Jones and 3M Company. Rasmussen is also the owner of CantorBridge Financial, an LLC focused on financial planning, wealth management, and asset management. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services through multiple platforms, using advanced asset-allocation tools and third-party solutions to construct customized portfolios.