Philip Kong is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 13 years of industry experience. His prior work includes positions at LPL Financial, Wells Fargo Clearing, and U.S. Bancorp Investments. He is also involved in a direct sales and multi-level marketing business. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services on a multi-manager platform with over $256 billion in assets under management.

Jaime Barretta is a financial advisor with LPL Financial in Folsom, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has been with LPL Financial since 2011. Outside of his advisory role, he is involved with Barretta Wealth Management, Inc., which focuses on life, disability, long-term care insurance, and fixed annuities. 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. The firm offers a range of advisory programs, financial planning, and retirement plan consulting services, utilizing both discretionary and non-discretionary management alongside model portfolios and research.

Jonathan Benecke is a CFP® professional with seven years of industry experience. He is currently with Ameriprise and previously worked at Edward Jones and Mi-Jack Products Inc. He serves on the Board of Directors for the Northstate BIA Affiliate Council. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Paul Chavez is a financial advisor with Wells Fargo Advisors in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked within various Wells Fargo entities since 2011, including Wells Fargo Clearing and Wells Fargo Advisors LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services covering areas such as retirement, education, and special situations, using proprietary research and planning tools to develop tailored recommendations.

Chris Marovich is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and possessing 31 years of industry experience. He has been with Cambridge Investment Research Advisors since 2015 and also operates Retirement Design Group, where he has been active for over 19 years. In addition to his advisory role, he works as an independent insurance agent for various companies. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm offers a range of financial planning and investment management services through independent Financial Professionals, utilizing both proprietary and third-party model strategies and multiple custody platforms to tailor investment approaches to client goals.