Kyle Smith is a financial advisor at Osaic Wealth, Inc. based in Sacramento, CA, holding a Series 66 license with two years of industry experience. He has previously worked at Securities America, Inc., CFS Wealth Advisors, LLC, and CliftonLarsonAllen. In addition to his advisory work, Kyle provides term life insurance and fixed annuities as a licensed life insurance agent and offers tax preparation and planning services. Osaic Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, institutions, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party solutions to manage portfolios across various asset classes.

Janos Miszti is a financial advisor at OSAIC with eight years of industry experience. He holds a Series 66 designation and has worked at Royal Alliance Associates since 2018, following a year at Sii. Outside of his advisory work, he operates a small photography business specializing in senior portraits, events, and weddings, and volunteers as a STEM teacher at a local school. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm employs a range of investment tools and third-party services to construct diversified portfolios tailored to clients’ needs.

Kurt Hoffmann is a financial advisor at Charles Schwab with 11 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. since 2018. Prior to that, he spent one year at InterWest Insurance Services, LLC. 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 both non-discretionary and discretionary investment options using multi-asset model portfolios and centralized custody and supervisory arrangements.

Mark Stevenson is a financial advisor at Morgan Stanley with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at firms including Fidelity Investments, Wells Fargo, and J.P. Morgan Securities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured tools and models client outcomes but does not provide individual security recommendations as part of standalone plans.

Jeffrey Impey is a CFP® with 19 years of industry experience, currently serving as a financial advisor at Ameriprise in El Dorado Hills, CA. He previously worked at LPL Financial and Safe Credit Union for 15 years. Ameriprise provides a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, delivering written recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis, emphasizing managed accounts and using algorithmic automation to generate tailored retirement income recommendations.

Daniel Currywood is a financial advisor with Merrill in Davis, CA, holding a Series 66 designation and nine years of industry experience. He has been affiliated with Bank of America and Merrill since 2007. Outside of his advisory role, he assists with financial and capital management tasks for a small family-owned floral business. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Rukmini Bose is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2019. She has over 21 years of experience in the financial services industry, including roles as Vice President and Financial Advisor at Morgan Stanley from 2012 to 2018, Financial Solutions Advisor at Bank of America Merrill Lynch from 2009 to 2011, and Relationship Manager at Marsh & McLennan Companies from 2005 to 2007. Throughout her career, Rukmini has focused on helping clients make informed financial decisions and serving as a trusted partner in their financial lives. She is committed to providing education and a thoughtful process to navigate the complexities of financial planning. Rukmini holds a California Insurance License.

Jazette La Barbera is a financial advisor with Merrill in Roseville, CA, holding a Series 66 credential and 13 years of industry experience. She has worked at Merrill since 2016 and is currently associated with Bank of America as well. Outside of her advisory role, she operates a sole proprietorship focused on affiliate marketing for consumer products and services. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Walter Gallo Jr. is a financial advisor with Merrill in Roseville, CA, holding Series 63 and Series 65 designations and 13 years of industry experience. He has worked at Merrill and Bank of America since 2016 and previously was with Wells Fargo Advisors from 2012 to 2016. Walter is also involved as an owner and co-trustee of revocable living trusts. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Michael Lewis is a financial advisor with Cambridge Investment Research Advisors in Sacramento, CA, holding a Series 66 designation and 39 years of industry experience. He has been with Cambridge since 2008 and also works as an independent insurance agent and tax preparer. Additionally, Lewis is the owner of North Star Financial Partners and serves as an advisory representative for a registered investment adviser. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through independent professionals, utilizing a variety of direct portfolio management and model-based solutions across multiple custody platforms.

Larry Pearl is a financial advisor at Ameriprise with nine years of industry experience. He holds the Series 66 designation and has worked previously at Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company, as well as at Waddell & Reed, Inc. and various insurance carriers. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement who meet certain asset criteria, providing detailed recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

Michael Niehaus is a financial advisor at Merrill with a Series 66 credential and three years of industry experience. He previously worked at Franklin Templeton Investments and took a year for extended travel. Outside of finance, he is a founding member of a music and entertainment group called Tomb of Minerva, where he contributes as a bass guitarist, vocalist, and lyricist. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Brittney Cicchetti is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Clearing since 2022, following seven years at Bank of America, N.A. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and 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 among its investment offerings.

Hunter Brown is a financial advisor with Merrill, holding a Series 66 designation and based in Roseville, CA. He has been with Merrill and Bank of America since 2025. Outside of finance, he has experience working in hospitality and various other industries, including roles at Bacchus House Wine Bar & Bistro and Beast and Bounty. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and organizations.

Cheri Morillas is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has been with Cetera Wealth Services, LLC since 2013 and with Cetera since 2023. Outside of advisory work, she serves as a board member of the Donner Lake Property Owners Association. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients nationwide. The firm offers a multi-manager platform allowing advisors to implement a variety of portfolio management strategies across discretionary and non-discretionary authorities.

Jeffrey Gordon is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 32 years of industry experience. He worked at J.P. Morgan Securities for six years before joining Wells Fargo Advisors LLC in 2018. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research and analytics to evaluate investment options, offering both brokerage and advisory solutions through a large network of financial advisors.

Desiderio Rodriguez is a Senior Financial Advisor at Merrill Lynch Wealth Management. He holds the designation of Personal Investment Advisor (PIA) and brings a focused approach to guiding clients through complex financial decisions. Desiderio works closely with executives, entrepreneurs, and families to support them at significant life milestones and assist them in achieving financial freedom. He earned his High School Diploma from Woodside High School.

Arun Sharma is a financial advisor with Merrill in Sacramento, CA, holding a Series 66 designation and one year of industry experience. His prior experience includes roles at Bank of America, Walgreens Boots Alliance, ICICI Lombard GIC Ltd, and Bharti AXA GIC Ltd. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Bradford Rasor is a financial advisor at Osaic Wealth, Inc. with 23 years of industry experience. He holds the Series 66 designation and has worked at Osaic Wealth since 2018, following two years at Signator Investors, Inc. He also works as an independent life insurance agent, assisting clients with evaluating insurance needs and providing benefit options. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services with investment strategies that include stocks, bonds, options, mutual funds, ETFs, and alternative investments, using various tools to support portfolio construction and management.

Kevin Blaine is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and seven years of industry experience. His career includes roles at Charles Schwab & Co., Inc., Charles Schwab Banks SSB, and J.P. Morgan Securities, LLC. Prior to his advisory work, he held various positions outside finance including at Graves Roofing, Jimmy Johns, and Pizza Hut. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 blend of non-discretionary and discretionary investment management options supported by centralized operations and comprehensive advisory solutions.