Anne Marie Frost is a CFP®-certified financial advisor with 24 years of industry experience. She is currently with LPL Financial and previously worked at Morgan Stanley and Morgan Stanley Private Bank for a combined nine years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of representatives. The firm offers a variety of advisory programs, financial planning, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Daniel Lowe is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been with Merrill since 1997 and brings 30 years of experience in the financial services industry. Daniel’s expertise includes corporate benefit programs such as equity compensation, defined benefit, defined contribution, and nonqualified deferred compensation plans. He focuses on integrating corporate benefits into clients' long-term financial strategies. Daniel holds a Bachelor's degree from the University of California, Berkeley. Prior to joining Merrill, he worked with Wells Fargo Bank in the 401(k) division, specializing in serving Spanish-speaking clients. He also spent three years at Financial Engines in Palo Alto as a Manager of Business Development. Daniel and his business partner, Jeff Nielsen, concentrate on wealth management for families and small businesses, with client focus areas including college education planning, family wealth management strategies, and investment consulting for defined contribution plans. Daniel’s professional designations include Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional work, he enjoys playing tennis, swimming, golf, and soccer.

Laila Kassardjian is a financial advisor at Wells Fargo Clearing with 35 years of industry experience. She holds the Series 63 designation and has worked at Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Outside of her advisory role, she provides in-home supportive services to her elderly sister, assisting with grocery shopping, light housekeeping, and meal preparation. Wells Fargo Clearing offers retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, providing both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Michael Hogan is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Tyler Charrette is a financial advisor at Ameriprise with six years of industry experience. He holds a Series 66 designation and has worked at several firms, including Pacer Financial, LPL Financial, and State Street Global Advisors. Ameriprise offers retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver personalized recommendation reports through a centralized consulting team.

Richard Adona II is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds the Series 66 designation and has 17 years of industry experience, including positions at Bank of America and Merrill Lynch. He also serves as operations manager for Addison Avenue Investment Services, providing operational support to field staff. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public finance work through a unique municipal advisor affiliation.

Tracy Gunter is a CFP® professional with 18 years of industry experience, currently serving as a financial advisor at Edelman Financial Engines. Prior to joining Edelman Financial Engines, she worked at Smart Investor for 11 years. 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 participant base through advisor-led and online offerings.

Matthew Hagans is a CFP® with 22 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC for seven years. Outside of his advisory role, he is an assistant water polo coach at Westpark High School in Roseville, CA. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broader set of financial product options, such as insurance-related vehicles and bank deposit sweep programs.

Charley Roberts is a financial advisor with Cetera and holds Series 63 and Series 65 licenses. He has 26 years of industry experience, including roles at LPL Financial, Next Financial Group, and Valic Financial Advisors. Outside of his advisory work, Roberts is also active as an artist and musician. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers diverse portfolio management and financial planning services, operating a multi-manager platform that supports a range of investment strategies under various program structures.

Rick Hansen is a financial advisor with Robert W. Baird & Co. in Roseville, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with Robert W. Baird since 2009. His other business activities include ownership of real estate rental properties. He is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management department that serves individuals, corporate clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of financial planning, portfolio management, and brokerage services, utilizing manager-traded and model-traded strategies with ongoing manager selection and use of internal research tools.

Jaymes Arnold is a financial advisor with LPL Financial based in Auburn, CA, holding a Series 66 designation and six years of industry experience. His prior work history includes roles at Members 1st Credit Union and Rubicon Advisors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs supported by proprietary and third-party research, providing both discretionary and non-discretionary management.

John Kovalek is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and 20 years of industry experience. He has been with Ameriprise entities since 2006. Outside of his advisory role, he is the general manager of FHL Operations, LLC, where he oversees management, strategic planning, budgeting, and operations. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, known for its Premier Retirement Income service that provides written recommendations and ongoing advice on retirement income planning, with a focus on dependable income sources and tax-aware withdrawal strategies.

Dareth Luna is a financial advisor with Edward Jones in Rocklin, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, Luna worked at ARCpoint Labs of Roseville-Rocklin for four years and was a stay-at-home parent for over two decades. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory strategies and affiliated investment products, operating under a fiduciary standard with a large national network of advisors and branch offices.

Michael Garner is a financial advisor at Wells Fargo Advisors with 26 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Morgan Stanley. He serves as treasurer for the Placer Food Bank in Roseville, California. Wells Fargo Advisors Financial Network offers investment and fee-based financial planning services to individuals, trusts, and institutional clients, providing a broad range of planning options supported by Wells Fargo research and tools.

Logan Ahlf is a financial advisor at Fidelity with eight years of industry experience. He holds a Series 66 designation and has worked at Fidelity Investments since 2021, following prior roles at Equitable Advisors and AXA-Advisors. Before his advisory career, he was involved with the UCSB Rugby Club and attended the University of Santa Barbara. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm combines fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

Briana Wentworth is a Financial Consultant at Fidelity Investments, a role she has held since 2025. Prior to this, she served as a Financial Consultant 1 at Fidelity Investments from 2024 to 2025 and as a Planning Consultant from 2022 to 2024. She began her career in financial services as a Personal Banker at Wells Fargo in 2015, advancing to Senior Relationship Banker at Wells Fargo & Wells Fargo Advisors by 2018, and later taking on the role of Relationship Manager at Fidelity Investments in 2021. Throughout her career, Briana has focused on comprehensive financial planning, working closely with clients to create tailored financial roadmaps and assist with important financial decisions. She holds a California Insurance License, which supports her expertise in the financial advisory field. Outside of her professional role, Briana enjoys activities such as board games, camping, attending concerts, social events with friends, music, and traveling.

Patricia Hawkins is a financial advisor at UBS Financial Services with 20 years of industry experience. She holds a Series 66 designation and has been with UBS since 2014. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides tailored financial planning and portfolio management supported by proprietary research and model-based asset allocations.

Michael Lund is a financial advisor at Edward Jones with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies and provides tax-efficient services, operating under a fiduciary standard.

Li Qi Huang is a financial advisor at Equitable Advisors with one year of industry experience and holds the Series 66 designation. Prior to joining Equitable Advisors, Huang was involved with the League of Legends Club and IntelliBricks during his time at the University of California, Davis. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and various asset-management programs through a broad network of Investment Adviser Representatives and third-party advisory platforms.

Laura Filice is a financial advisor with Wells Fargo Clearing, holding a Series 66 credential and nine years of industry experience. She has been with Wells Fargo Clearing since 2016 and also has over 20 years of experience in group health insurance. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services grounded in modern portfolio theory. The firm’s advisory process is IPS-driven and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.