Christopher Hurst is a CFP® with 30 years of industry experience, currently serving as a financial advisor at Stifel since 2010. He holds Series 63 and Series 65 licenses. Stifel serves a wide range of clients, including individuals, institutional investors, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach relies on proprietary methodologies developed by its Investment Strategy Group to provide capital market analysis and asset allocation guidance.

Russell Martinez is a financial advisor at Morgan Stanley with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has worked within various divisions of Morgan Stanley since 1997. Outside of his financial career, Martinez participates in a band called Stones Throw. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients. The firm utilizes structured financial planning tools and offers a wide range of investment programs, managing approximately $2.74 trillion in client assets.

Benjamin Bolton is a financial advisor at Edward Jones in Fair Oaks, CA, holding CFP® and Series 66 credentials with 14 years of industry experience. He has worked at Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, managing approximately $1.01 trillion in assets. The firm offers a range of advisory programs and investment strategies, supported by a nationwide network of more than 23,700 financial advisors.

Loi Yu is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 28 years of industry experience. Prior to joining LPL Financial in 2021, he worked with Allianz Life Financial Services LLC and Allianz Life Insurance Company of North America from 2013 to 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, with access to model portfolios, third-party research, and various portfolio management options.

Raymond Ginsberg is a Series 66 credentialed financial advisor with 26 years of industry experience. He has been with LPL Financial since 2009 and concurrently serves at San Diego County Credit Union since 2017. 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 offers a range of advisory programs, financial planning, and retirement plan consulting, providing both discretionary and non-discretionary management supported by research and model portfolios.

Jerry Newman is a financial advisor with Edward Jones in Granite Bay, CA, holding Series 63 and Series 66 credentials and 28 years of industry experience. He has been with Edward Jones since 1997. Outside of his advisory role, he has no recorded responsibilities in other business activities. 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 strategies supported by a nationwide network of more than 23,700 financial advisors and 15,000 branches.

Caleb Deats is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His previous work experience includes roles at Starbucks and In-N-Out Burger. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, with a focus on discretionary portfolio management and fund advisory. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and is registered with the CFTC as a commodity pool operator.

Frank Holloway is a CFP® and ChFC® with 32 years of experience in the financial services industry. He has worked at LPL Financial since 2002 and held leadership roles at Solano Wealth Management, Inc. and Solano Wealth Investment Advisors, LLC. Outside of his advisory work, he incorporated an investment services company for tax purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies in its investment approach.

Aaron Schmoekel is a CFP® professional with 26 years of experience in the financial industry. He is currently with Edelman Financial Engines and has previously worked at Smart Investor and Linsco Private Ledger. Outside of his advisory work, he serves as a board member for the Woodland Healthcare Foundation and is treasurer of the Woodland Sunrise Rotary Club. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios and supports a large client base through both advisor-led and online offerings.

Anthony Nye is a CFP® with 30 years of industry experience, currently serving at Morgan Stanley in Folsom, CA. He previously worked at UBS Financial Services for 17 years before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutional clients, with approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery conversations and firm-approved tools, including Global Investment Committee return estimates and Monte Carlo simulations, focusing on advisory services without providing individual security recommendations in standalone planning.

Lisa Monsour is a financial advisor at Wells Fargo Clearing with 33 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Wells Fargo firms since 2011, including her current role at Wells Fargo Clearing since 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering a range of non-discretionary and discretionary services tailored to plan objectives and demographics. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Christopher Cottrell is a financial advisor with Osaic, holding the CFP® and Series 63 designations and bringing 10 years of industry experience. He has worked at Woodbury Financial Services and Questar Capital, and he is a partner at Hoppe & Cottrell LLP, a CPA and tax advisory firm serving individual and business clients. He is also a partner at Hoppe Cottrell Advisors LLC, involved in the sales and service of fixed insurance products. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and advisory services, employing asset allocation tools and offering portfolios that include a range of investment types managed on both discretionary and non-discretionary bases.

Yan Evans is a Vice President and Financial Consultant at Fidelity Investments, a position held since 2019. In this role, Yan works closely with clients to understand their unique financial situations and develop tailored plans to address their goals and uncertainties. Yan has extensive experience in the financial services industry, having held roles as a Financial Advisor at Morgan Stanley from 2017 to 2019 and at Edward Jones from 2016 to 2017. Prior to that, Yan was a Brokerage Associate at Wells Fargo Advisors between 2012 and 2016, and served as an Associate Vice President at Aviva Insurance from 2008 to 2011. Yan holds a California Insurance License. Outside of work, Yan is interested in camping, hiking, running, skiing, traveling, and volunteering.

Therynn Winberry is a financial advisor at Equitable Advisors with one year of industry experience. He holds a Series 66 designation and has held various roles outside of financial advising, including employment with Instacart and positions in education and other industries. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm’s offerings include multiple advisory programs and access to third-party asset managers, with a focus on matching clients to appropriate investment models and discretionary managers.

Itzel Gonzalez Diaz is a financial advisor at Ameriprise with four years of industry experience. She holds a Series 66 designation and has worked at Ameriprise since 2020. Prior to her advisory role, she was employed at Target and attended California State University, Sacramento. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement income planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Joshua Sanchez is a financial advisor with Merrill in Folsom, CA, holding a Series 66 designation and four years of industry experience. His work history includes positions at Bank of America, Merrill, and Wells Fargo, as well as involvement in roles outside finance such as with Grateful Bread. 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. The firm offers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Patrick Hassna is a financial advisor at Stifel with 33 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Stifel since 2007. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm’s investment approach relies on proprietary methodologies with forward-looking capital market assumptions developed by its Investment Strategy Group.

Kaitlin Mc Mullan is a CFP® and holds a Series 66 license with four years of industry experience. She has worked at Wells Fargo Clearing since 2026 and previously spent four years at Edward Jones. Kaitlin’s background also includes roles outside the financial industry, such as teaching with Vipkid. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, using research and analytics grounded in diversification principles and modern portfolio theory.

Emily Medeiros is a financial advisor with Ameriprise in Sacramento, CA, holding Series 63 and Series 65 licenses and 15 years of industry experience. She has been with Ameriprise and its affiliate since 2014. Medeiros serves on a local Parks and Recreation District citizens oversight committee related to the use of bond funds. Ameriprise is an institutional firm offering a retirement-income planning service for clients generally holding at least $1 million in investable assets. The firm provides advisory, brokerage, and insurance solutions, combining research, modeling, and tax-efficient strategies to deliver non-discretionary retirement income recommendations.

Erika Pandy is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, she provides advisory and wealth management services to clients, including affluent families, professionals, business owners, and corporate executives. Erika’s practice focuses on areas such as divorce transition planning, retirement income, portfolio management services, and support for endowments, foundations, and defined benefit plans. Her professional and educational background supports her expertise in financial advising. Erika holds an MBA from Saint Joseph’s University and a Bachelor of Arts from LaSalle University. She has earned several professional designations, including Certified 401(k) Professional (CKP), Chartered Retirement Planning Counselor™ (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). She is conversant in English and Italian. Outside of her professional responsibilities, Erika is engaged in community activities in Philadelphia. She is involved with organizations such as the Delaware Valley Youth Athletic Association and Saint Pio Catholic School. Her personal interests include spending time with her family, reading, and baseball.