Manraj Dhillon is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2022. In this position, he partners with clients to understand their financial goals and develops customized plans tailored to their unique needs. Prior to this, he worked as a Financial Advisor at Merrill Lynch from 2018 to 2022 and as a Relationship Manager at Bank of America from 2016 to 2018. His professional experience spans financial consulting, advisory, and relationship management roles in the financial services industry. Manraj holds a California Insurance License, supporting his expertise in financial planning and insurance products.

Kirk Buber is a financial advisor at Raymond James Financial with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Wells Fargo and U.S. Bancorp Investments. He also assists financial advisors in administrative roles at Addison Avenue Investment Services, a division of First Tech Federal Credit Union. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm emphasizes tailored, non-discretionary planning using risk profiling and modeling tools and supports municipal and public finance work through a unique municipal advisor affiliation.

Christopher Paydock is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Securities America Advisors, LPL Financial, and National Planning Corporation. He also operates under the DBA Sunset Wealth Advisors. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, employing asset-allocation tools and third-party money managers to construct and manage portfolios across various investment types.

Kenneth Clevenger is a financial advisor with Wells Fargo Clearing and has 18 years of industry experience. He holds a Series 66 designation and previously worked at J.P. Morgan Securities LLC. Outside of his financial career, he owns a custom guitar and woodworking business. Wells Fargo Advisors is a national securities firm that provides investment advisory services and financial planning to individual, corporate, and institutional clients, combining research and analytics with both brokerage and advisory solutions.

Jeremy Heath is a financial advisor with Ameriprise in El Dorado Hills, CA, holding a Series 66 credential and one year of industry experience. Prior to joining Ameriprise in 2024, he worked at Anytime Fitness Placerville for eight years. In addition to his advisory role, Heath performs bookkeeping and administrative tasks as an officer for Pecuniary Synergies, Inc. Ameriprise serves clients primarily through its retirement-income planning service, targeting individuals with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary retirement recommendations, supported by a centralized consulting team.

Robert Christiansen is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and over 25 years of industry experience. He has been with Cetera and its related entities since 2013. Christiansen is also involved in financial services through American River Wealth Management and owns RJC Financial Services, Inc. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporations, and institutions. The firm offers diversified portfolio management and financial planning services through a multi-manager platform, supporting various program structures and investment strategies.

Jason Arnold is a financial advisor with UBS Financial Services in Granite Bay, California, holding a Series 66 designation and 24 years of industry experience. His previous work includes roles at Bank of America and Merrill. Outside of his advisory role, he coaches girls basketball and flag football at Granite Bay High School. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm utilizes proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Michael Nakahira is a financial advisor at Cetera with 40 years of industry experience. He has held positions at Cetera Advisors LLC since 2022 and previously worked at First Allied Advisory Services, Inc. and First Allied Securities, Inc. Additionally, he is the owner and president of a real estate business, HONY Properties LLC. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts, offering a variety of portfolio management and financial planning services through a nationwide network of independent advisors.

William Huff is a financial advisor with Wells Fargo Clearing in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Wells Fargo entities since 2011, including Wells Fargo Advisors LLC before joining Wells Fargo Clearing. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages roughly $671 billion in assets and utilizes research from Wells Fargo Investment Institute alongside third-party databases to guide investment decisions.

Jonathan West is a financial advisor with LPL Financial, holding the CFP® designation and Series 63 and 65 licenses. He has 10 years of industry experience, including prior roles at Prudential, Kestra Financial, and Sii Investments. Outside of advisory work, he serves as an instructor for the City of Seal Beach. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, with access to model portfolios, research, and various management approaches.

Bruce Pearson is a financial advisor with UBS Financial Services in Sacramento, CA, holding Series 63 and Series 65 designations and bringing 41 years of industry experience. He has been with UBS Financial Services since 1985. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm delivers advisory work using proprietary capital market assumptions and research, tailoring plans to clients’ goals and risk tolerances.

Joshua Thaler is a financial advisor with Morgan Stanley in Roseville, CA, holding Series 63 and Series 66 designations and having 16 years of industry experience. He has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and offers tailored financial planning services supported by structured discovery and firm-approved tools.

Craig Geisendorff is a financial advisor at Wells Fargo Advisors with 21 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Advisors Financial Network since 2026, following several years at Wells Fargo Clearing and Wells Fargo Advisors LLC dating back to 2008. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, including specialized planning for business-owner transitions, sports and entertainment, special needs, and divorce, using Wells Fargo research and planning tools to develop tailored client recommendations.

Stuart Wenger is a financial advisor at Ameriprise Financial Services LLC, holding a Series 66 designation. He has one year of industry experience, with prior roles across various firms and industries including Brigantine and PolyPros. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing planning advice focused on income strategies and tax-aware withdrawals for clients nearing or in retirement.

Tom Campeau is a financial advisor at Edward Jones in Folsom, CA, holding Series 63 and Series 66 licenses with 32 years of industry experience. He has been with Edward Jones since 1994. Outside of his advisory role, he is a managing member involved in family-owned residential rental properties. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm is notable for its extensive network of advisors and branch offices and offers additional services such as trust company capabilities and securities-based lending.

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.

Robert Dewhurst is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and over 20 years of industry experience. His career has been primarily with Wells Fargo-affiliated entities since 2004. 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 process is IPS-driven and incorporates modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

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.

Michael Rodegerdts is a financial advisor at Ameriprise with 24 years of industry experience and holds the Series 66 designation. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of advisory work, Rodegerdts serves on the board of directors for Yolo Farm to Fork and is involved in several non-investment-related business entities. Ameriprise Financial Services is a large diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services that focus on dependable income sources and tax-aware withdrawal strategies.