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.

Todd Ferreira is a financial advisor with Ameriprise in Rocklin, CA, holding Series 63 and Series 65 licenses and 29 years of industry experience. His prior roles include positions at Purshe Kaplan Sterling Investments and Nf Wealth Management, Inc. He has been with Ameriprise and its affiliates since 2017. Ameriprise offers a retirement-income planning service tailored to individuals nearing or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with algorithmic automation to deliver customized, non-discretionary retirement planning advice.

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.

Michael Gomes is a financial advisor with Fidelity, holding Series 63 and Series 66 licenses and 16 years of industry experience. His career includes roles at multiple Fidelity entities since 2014 and prior positions at BBVA and BancWest. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients through a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its use of systematic methodologies, involvement with registered investment companies, and the application of AI-driven research techniques.

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.

Scott Sandy is a Financial Consultant currently working at Fidelity Investments since 2024. He specializes in working with high-net worth individuals and families, focusing on building trusted, long-term relationships to simplify complex financial decisions. His approach emphasizes discipline and objectivity, aiming to preserve and grow wealth in alignment with his clients' goals, risk tolerance, and values. Scott has professional experience as an Investment Consultant at Fidelity Investments from 2022 to 2024 and as a Financial Advisor at First Command Financial Planning from 2017 to 2022. He collaborates with clients to provide strategic guidance that supports navigating each stage of life with confidence. Scott holds a California Insurance License.

Jim Klein is a Planning Consultant at Fidelity Investments, a role he has held since 2025. Prior to this position, he served as a Relationship Manager from 2023 to 2025 and as a Financial Representative from 2022 to 2023, all within Fidelity Investments. He holds a California Insurance License. Before transitioning to financial services, Jim worked as a high school Latin teacher for several years. Motivated by a desire to help individuals better understand personal finance, he shifted his career focus to financial advising. At Fidelity, he works with clients to help them understand their financial situations and prepare for major life decisions. Outside of his professional responsibilities, Jim has interests in baseball, cooking and baking, and reading.

Lori Kamuf is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. She has worked with various Wells Fargo entities since 2015. Outside of her advisory role, she is involved as a direct sales consultant for a clothing business. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and uses proprietary research and planning tools to develop tailored recommendations for its clients.

Sam Blakewell is an Investment Consultant at Fidelity Investments. In this role, Sam focuses on assisting clients with financial planning in areas such as retirement planning, investment strategy, and tax-efficient investing. Sam aims to simplify complex financial topics and provide personalized guidance and support to clients. Sam has held several positions at Fidelity Investments, including Planning Consultant from 2024 to 2025, Relationship Manager from 2023 to 2024, and Financial Representative from 2022 to 2023. Prior to joining Fidelity, Sam worked as a Client Relationship Manager at Lewis Financial from 2021 to 2022. Sam holds a California Insurance License. Outside of work, Sam has interests in biking, golf, pets, running, swimming, and traveling.

Kathrine Andrews is a Series 66-credentialed financial advisor at Morgan Stanley with five years of industry experience. She has been with Morgan Stanley since 2009. Outside of her advisory role, she owns and manages residential rental properties. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to both individual and institutional clients. The firm offers tailored financial planning and manages a broad range of client assets.

William Pacheco is a financial advisor with LPL Financial, holding a Series 66 designation and 18 years of industry experience. He has been with LPL Financial since 2012, primarily operating his advisory services through W J Pacheco Wealth Management in Folsom, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.

Leland Crawford is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. Outside of his advisory role, he serves as a trustee for his father's and parents' investment trusts. 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 investment options that include insurance-related vehicles and bank deposit sweep programs.

Thomas Coombs is a financial advisor at Edward Jones in Roseville, CA, holding a Series 66 designation with 16 years of industry experience. He has been with Edward Jones since 2009. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets through a large network of advisors and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Mia Hershiser is a financial advisor at Robert W. Baird & Co. with 29 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. She is part of The DDK Group within Robert W. Baird’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services using a range of strategies and managers, including discretionary and non-discretionary approaches.

Timothy Rogers is a financial advisor at Edward Jones with 37 years of industry experience. He has maintained a continuous tenure at Edward D. Jones & Co., L.P. since 1988 and holds Series 63 and Series 66 credentials. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of discretionary and non-discretionary investment strategies, supported by a nationwide network of more than 23,700 financial advisors.

Adam Benedict is a CFP® professional with 27 years of experience in the financial industry. He has worked at Charles Schwab & Co. and Charles Schwab Bank since 2005. Outside of his advisory role, he is involved in youth sports as a Girls Golf Booster Representative and Assistant Golf Coach at Folsom High School in California. 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 provides a combination of non-discretionary investment advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational services.