Timothy Parsons is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and has previous work history at JP Morgan Chase Bank and Northwestern Mutual. Prior to his financial services career, he worked in the restaurant industry for over a decade. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and market modeling techniques.

Daniel Yee is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds the Series 66 designation and has worked at J.P. Morgan Securities, JPMorgan Chase Bank, N.A., and Chase since 2016. Outside of his advisory role, he is a co-owner and landlord of rental properties. 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 applying an ESG eligibility framework in its investment recommendations.

Heidi Hunter is a financial advisor at Thrivent Investment Management with 35 years of industry experience. She has held positions at Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Hunter holds the Series 63 and Series 66 designations. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing comprehensive written recommendations on topics such as retirement, income tax, estate, and special needs planning. The firm combines goal-based analyses with a managed-account program under a consolidated billing option while maintaining planning and portfolio management as separate services.

Jackeline Matter is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds Series 63 and Series 66 licenses. Her prior experience includes roles at JP Morgan Securities LLC and MAC Cosmetics. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Edgard Laguna is a Series 66-credentialed financial advisor with six years of industry experience. He is currently with Merrill and Bank of America, having previously worked at Wells Fargo Clearing. Merrill provides managed account services through its Select Portfolio Solutions program to a diverse client base, including individuals, high-net-worth clients, pension plans, and charitable organizations. Investment strategies offered include model-based and discretionary options managed by affiliated or third-party managers, integrated within Bank of America’s broader corporate platform.

John Carlsen is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves as treasurer for El Dorado Hills Lacrosse. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Anthony Wilcox serves as a Senior Financial Advisor with Merrill Lynch Wealth Management, focusing on helping clients organize wealth and develop personalized financial strategies to meet long-term goals. His expertise includes family wealth management strategies, investment consulting for defined contribution plans, small business strategies, tax minimization, and retirement income planning. He provides customized advice and guidance tailored to complex financial situations. Anthony's educational background includes a Bachelor's Degree from the United States Military Academy, a Bachelor's Degree from Oregon State University, and a Master's Degree from William Jessup University. He holds the Professional Investment Advisor (PIA) designation and is fluent in English, German, and Russian. He is a member of professional organizations such as the American Legion and the West Point Association of Graduates. Outside of his professional role, Anthony is involved in his community through coaching football at Granite Bay High School and serving on the Granite Bay Rugby Board. He is also connected with Granite Bay Wrestling and participates in various outdoor activities, including biking, boating, camping, hiking, and skiing. He has four children, with family playing a significant role in his personal life.

William Odonnell is a financial advisor at Edelman Financial Engines with 20 years of industry experience. He holds a Series 66 designation and has worked at Financial Engines Advisors L.L.C. since 2016, following a one-year tenure at Tmfs Advisors, Llc. Edelman Financial Engines provides technology-enabled investment advisory services for workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and supports a large client base through advisor-led and online offerings.

Judy Ho is a CFP®-certified financial advisor with nine years of industry experience, currently associated with Cambridge Investment Research Advisors. She has worked previously at Edward Jones and is involved with Lane Florence, LLC. Ho serves as a director for the Cordova Recreation & Parks Foundation. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm provides financial planning, investment management, and retirement-plan advisory services through a network of independent professionals, offering proprietary and third-party strategies with various implementation options.

Madeline Phillips is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Edelman Financial Engines. Her prior roles include positions at Smart Investor, LLC and Sand Hill Global Advisors, LLC. Edelman Financial Engines provides technology-enabled investment advisory services primarily focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and supports a large client base through advisor-led and online platforms.

Stephen Hardisty is a financial advisor with Equitable Advisors in El Dorado Hills, CA, holding Series 63 and Series 65 licenses and 35 years of industry experience. He has been with Equitable Advisors and its predecessor AXA Advisors since 2007. Outside of his advisory role, he operates HARTISTY FINANCIAL AND INSURANCE SERVICES, providing disability and health insurance. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement plan support, and access to asset management through LPL programs and third-party managers. The firm employs a hybrid referral and implementation model and provides both advisory and brokerage/insurance channels to implement client recommendations.

John Allen is a financial advisor with Morgan Stanley in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. Since 2016, he has been associated with Morgan Stanley Private Bank, National Association and Morgan Stanley. Outside of his advisory role, he serves on the boards of Sacramento Angels, an angel investing group, and the Big River Vista Mutual Water Company; he is also a member of the Dean Advisory Council for California State University Sacramento’s School of Business. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional services with specialized activities such as private funds and principal trading.

Bart Zitnitsky is a financial advisor with Morgan Stanley Wealth Management, holding a Series 66 designation and 11 years of industry experience. Prior to joining Morgan Stanley in 2023, he worked at First Republic Bank and its related entities from 2010 to 2023. Outside of his advisory role, he serves on the boards of The People Concern, a nonprofit organization, and spcaLA, an animal rights and advocacy group. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services through both individual and corporate planning arrangements.

Jeffrey Fletcher is a financial advisor with Edward Jones in Sacramento, CA, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has been with Edward Jones since 2011. 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 and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

William Lee is a financial advisor with Mass Mutual Investors Services in El Dorado Hills, CA, holding Series 63 and 66 licenses and bringing 31 years of industry experience. He has been with MML Investors Services Inc. and Mass Mutual Life Insurance since 2002. Outside of his advisory work, he is involved in a separate health insurance business as an agent. Mass Mutual Investors Services, a subsidiary of MassMutual, provides ongoing financial planning and asset management to individuals, business owners, trusts, charitable organizations, and employers. The firm offers collaborative, annual planning engagements using firm-approved tools and supports a range of financial strategies without discretionary control.

Mayra Castro is a financial advisor at Charles Schwab with 26 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Charles Schwab and Charles Schwab Bank since 1998 and 2005, respectively. She serves as a board member for Growth Public Schools, participating in monthly meetings to provide guidance on school programs. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management with centralized custody and oversight.

Bryan Ludwig is a CFP® and Series 66 licensed financial advisor with 17 years of industry experience. He has worked at Ameriprise since 2021 and previously spent five years with Wells Fargo Clearing and WELLS FARGO Advisors, LLC. Outside of his advisory role, Ludwig serves in various leadership positions within community organizations, including as Treasurer of the Lincoln Chamber of Commerce and Vice President of the Lincoln Veterans Memorial Coalition. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through a collaborative, non-discretionary approach that integrates proprietary research and third-party data.

Theresa Roberts is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. She previously worked at TIAA, Tiaa-CREF, Bb&T Securities, and Merrill. Outside of her advisory role, she is involved with the Order of the Eastern Star in Folsom, California, serving in a committee role related to accounting and bookkeeping. Morgan Stanley Wealth Management provides a range of advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, with advisory services centered on financial planning rather than individual security recommendations.

Jeffrey Ecklund is a financial advisor with Morgan Stanley in Roseville, CA, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has been with various divisions of Morgan Stanley since 2007, including Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Secular Return Estimates and Monte Carlo simulations in its financial planning process.

Kelly Jordan is a financial advisor with OSAIC in Sacramento, CA, holding Series 63 and Series 66 licenses and bringing 36 years of industry experience. Prior to joining OSAIC in 2025, Jordan worked at Lincoln Financial Advisors Corporation for three years and spent 18 years with TD Ameritrade. OSAIC 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, risk assessments, and automated rebalancing to manage portfolios across various asset classes.