Mike Oroszi is a Financial Consultant at Fidelity Investments, where he works with clients to help them pursue their financial goals. He has extensive experience in the financial services industry, having held various roles at T. Rowe Price from 2009 to 2023, including Vice President of Client Implementation and Client Operations, as well as Senior Manager and Supervisor positions in advisory and financial institution services. Mike holds a California Insurance License, supporting his work in financial consulting. Outside of his professional career, he and his family enjoy outdoor activities available in the Northern California area, including biking, camping, snowboarding, tennis, and traveling.

Kevin Cueva is a financial advisor at Morgan Stanley with 10 years of industry experience. He has held positions at Morgan Stanley Private Bank, J.P. Morgan Securities, and J.P. Morgan Chase. He holds Series 63 and Series 66 licenses and is based in Sacramento, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers services that incorporate structured planning tools and various investment strategies.

Annette Holt is a financial advisor with Raymond James Financial Services Advisors, Inc. in Roseville, CA, holding a Series 66 designation and bringing 19 years of industry experience. She has worked with Tri Counties Bank since 2016, where she serves as Operations Supervisor and Branch Manager Delegate, assisting advisors and providing client services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm provides tailored, non-discretionary planning and encourages implementation through various advisory programs while supporting municipal and public finance work through a unique affiliated municipal advisor.

Joshua Rienks is a financial advisor at Edward Jones with 20 years of industry experience. He holds a Series 66 designation and previously worked at Franklin Distributors, LLC / Franklin Templeton Financial Services and Advisors Asset Management, Inc. Outside of his advisory work, Rienks is the owner and artist of JDR Artworks, a business focused on commissioned art and art shows. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment options through a nationwide network of financial advisors.

James Biasotti is a financial advisor with OSAIC in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has previously worked at Royal Alliance Associates, Inc. and Signator Investors, Inc. Biasotti operates The Sportsman's Financial Advisor, where he also teaches Social Security and Medicare planning classes at a local community college. Additionally, he serves as co-trustee on a family trust and is a volunteer manager and part owner of a local hunting club. OSAIC serves a diverse range of retail and institutional clients through a broad network of affiliated advisers, offering integrated brokerage, investment advisory services, and access to multiple third-party money managers. The firm employs asset-allocation tools and automated rebalancing to construct portfolios across a wide variety of asset classes.

Nichol Nadeau is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. She has been affiliated with Addison Avenue Investment Services and Raymond James since 2012 and provides backup notary services for First Tech Federal Credit Union. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, institutions, and charitable organizations. The firm employs tailored, non-discretionary planning using analytical tools to model potential outcomes and supports a broad array of advisory programs and institutional consulting.

Darrell Cleland is a financial advisor with Ameriprise in Sacramento, CA, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis through a centralized consulting team, delivering tailored, algorithm-supported advice primarily for clients with Ameriprise-managed accounts.

Steve Charonis is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, he is involved in managing several real estate rental properties in California with his wife. 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 offers a wide range of advisory programs and financial planning services, providing both discretionary and non-discretionary management supported by research and third-party subadvisors.

Margaret Lunsford is a financial advisor at Robert W. Baird & Co. with 22 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Robert W. Baird since 2021, following roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. The DDK Group at Robert W. Baird & Co. serves individual, corporate, pension, and charitable clients through comprehensive wealth management services, including financial planning, portfolio management, and separately managed account programs. The firm uses a combination of manager-traded and model-traded strategies supported by internal research and technology, managing approximately $394 billion in regulatory assets.

James Bowman is a financial advisor at Edward Jones with two years of industry experience. He holds the Series 66 designation and previously worked with several State Farm agents before joining Edward Jones. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment strategies and affiliated products, managing approximately $1.01 trillion in assets through a nationwide network of over 23,700 financial advisors.

Ross Johnson is a financial advisor at Thrivent Investment Management with 16 years of industry experience. He holds the Series 66 designation and has worked at Thrivent Financial and its predecessor entities since 2010. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers comprehensive, goal-based planning across various financial topics and allows clients to integrate planning with managed-account services while keeping them separate.

Julia Earle is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has been with LPL Financial since 2015. Outside of her advisory work, she is a musician with the Folsom Symphony Orchestra, a role she has held since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, advisory programs, and retirement plan consulting through a national network of investment adviser representatives.

Ryan Fisher is a financial advisor with J.P. Morgan Securities, holding Series 65 and Series 66 licenses and 22 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has also worked at JPMorgan Chase Bank, N.A. since 2011. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

David Hillesland is a CFP® professional with 31 years of industry experience, currently serving as a financial advisor at Charles Schwab in Roseville, CA. He has been with Charles Schwab and Charles Schwab Bank since 2009. 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 and discretionary investment guidance, leveraging a multi-asset model portfolio approach and comprehensive due diligence on alternative investments.

Hyong Leung is a financial advisor with LPL Enterprise holding a Series 66 designation and four years of industry experience. His prior roles include positions at The Prudential Insurance Company of America and Pruco Securities LLC, as well as self-employment and work at Ivoclar Vivadent. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model portfolios, and third-party asset management, utilizing an integrated platform that combines adviser programs with the sale of other financial products.

Pamela Rosse is a financial advisor with Cetera, holding the ChFC® designation along with Series 63 and Series 65 licenses, and has 31 years of industry experience. She has been with Cetera and its affiliated entities since 2016 and also serves as a client services manager at Gba Wealth Group. Outside of her advisory roles, she acts as co-trustee and holds durable power of attorney for financial management and personal care decisions for her mother. Cetera Investment Advisers LLC operates a multi-manager platform serving individual, retirement plan, corporate, charitable, and institutional clients nationwide. The firm provides a range of portfolio management, financial planning, and retirement services, with over 10,000 advisors and more than $256 billion in assets under management.

Christopher Mansu is a financial advisor with Wells Fargo Clearing in Folsom, CA, holding a Series 66 designation and 21 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC from 2014 to 2016. Outside of his advisory role, he owns Mansu Sporting Goods, a business selling sports and leisure products, and serves as a board member for the Hideaway by Treehouse homeowners association. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s IPS-driven process incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Rocio Marticorena is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. Her background includes roles at Wells Fargo Bank NA, Wells Fargo Clearing Services LLC, JP Morgan Chase Bank, and JP Morgan Securities LLC. Outside of finance, she has affiliations with Lyft and Uber and previously worked in the restaurant industry. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser serving individuals, trusts, and institutions. The firm offers a broad range of financial planning services tailored to clients who meet certain net-worth criteria, using proprietary research and tools to develop recommendations.

Craig Gorman Jr. is a Financial Advisor at Merrill Lynch Wealth Management. He joined Merrill in 2019 after a 15-year career building and running an IT business that provided end-to-end IT solutions for various businesses across the west coast. This experience involved analyzing and solving client problems and delivering tailored solutions. Craig earned his FINRA Series 66 and Series 7 registrations prior to joining Merrill. He holds the Chartered Retirement Planning Counselor (CRPC) designation and is a Personal Investment Advisor (PIA). His educational background includes a High School Diploma from White Pine High School, and attendance at Western Nevada Community College, University of Nevada - Reno, and Simpson University, without degree completion. In his advisory role, Craig emphasizes understanding his clients' visions of success to devise personalized financial plans. His focus areas include college education planning, divorce transition planning, family wealth management, legacy planning, liquidity management, personal retirement planning, portfolio management, small business strategies, investment strategy, and tax minimization. Outside of work, he enjoys baseball, basketball, camping, fishing, football, golfing, music, soccer, spending time with family, and traveling.

Michael Irwin is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds the Series 66 designation and has been with Wells Fargo Clearing since 2016, following four years at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-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 in its investment menus.