Sarah Miller is a financial advisor at Morgan Stanley in Roseville, CA, with seven years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2021, following positions at PRO Unlimited, Merrill Lynch, State Farm, and Verizon Wireless. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Nathan Leung is a financial advisor with Cambridge Investment Research Advisors in Sacramento, CA, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Cambridge Investment Research Inc. and Dick's Sporting Goods. Outside of advising, he is involved in tax services and insurance/benefits as a W2 employee and agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a wide range of clients, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent professionals, providing both discretionary and non-discretionary investment solutions across multiple platforms and strategies.

Mark Payne is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2017. Outside of his advisory role, he is an author of a publishing venture titled *Micro-Premie Macro-Love*. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations and secular return estimates as part of its financial planning process.

Rodney Rollins is a financial advisor with LPL Financial in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He previously worked at Next Financial Group Inc for 18 years before joining LPL Financial in 2025. Rollins also operates Rollins Wealth Enterprises, a business entity for tax and investment purposes. 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. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, research, and technology-driven investment approaches.

Shiya Solodoff is a financial advisor with LPL Financial in Fair Oaks, CA, holding a Series 66 designation and one year of industry experience. Her prior work experience includes roles at New York Life and Buck Wealth Management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Tracy Kliewer is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. Prior to joining LPL Financial in 2018, Kliewer worked for Nationwide Securities, LLC for seven years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs and financial planning services, utilizing model portfolios, research, and technologies such as machine learning.

Michael Schuler is a financial advisor with Equitable Advisors in Roseville, CA, holding a Series 66 designation and seven years of industry experience. Prior to joining Equitable Advisors, he worked at Axa Advisors and has experience in the hospitality industry with Pour House Restaurant, as well as involvement with Siskiyou Family YMCA and California State University. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.

Sarkis Anduze is a financial advisor with Ameriprise in Roseville, CA, holding a Series 66 designation and 22 years of industry experience. He has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, he serves on a local board of directors and volunteers as a judge for elementary student essays on stocks. Ameriprise provides retirement-income planning services focused on clients approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary recommendations, supported by a centralized consulting team.

David Hartman is a financial advisor with OSAIC, holding Series 63 and Series 66 designations and 29 years of industry experience. He has worked with OSAIC since 2024 and previously held roles at Shield Financial Solutions and Securities America for over two decades. Hartman has also been involved in insurance sales, including life, health, and disability insurance products. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage, investment advisory services, and access to third-party money managers. The firm employs various asset-allocation tools and supports discretionary and non-discretionary portfolio management across multiple investment types.

Shawn Plunkett is a financial advisor at Ameriprise with 15 years of industry experience and holds a Series 66 designation. His prior experience includes positions at Edward Jones, Transamerica Financial Advisors, World Financial Group, SolarCity, Principal Financial Services, Merrill, and Wells Fargo Clearing. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on written recommendation reports and ongoing retirement-income planning advice. The firm uses proprietary research, third-party data, and algorithmic tools to provide tax-aware withdrawal strategies and dependable income sources for clients approaching or in retirement.

Jacob Birch is a financial advisor at Equitable Advisors with one year of industry experience. He holds a Series 66 designation and has prior work experience that includes roles in education and retail. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm provides financial planning, retirement plan consulting, and asset management through various advisory programs and third-party managers.

Eric Forward is a Wealth Management Advisor in the Roseville, California office of Merrill Lynch Wealth Management. He has been with Merrill Lynch since 1999 and is associated with the Carter Forward Group. Eric provides planning-based financial advice aimed at helping successful clients feel prepared, educated, and confident in making strategic and tactical decisions that impact their current and future financial position. Eric's expertise spans legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, socially responsible and values-based investing including ESG, tax minimization, and retirement income. He holds a Bachelor's degree in Management from Saint Mary's College of California and has earned the CERTIFIED FINANCIAL PLANNER® (CFP) designation, the Chartered Retirement Planning Counselor (CRPC) professional designation, and the Personal Investment Advisor (PIA) designation. Outside of his professional work, Eric is a founding charter member of the Stand Up 4 Financial Literacy campaign in the greater Sacramento area. He lives in Lincoln, California and enjoys playing guitar, listening to music, skiing in Tahoe, and spending time with his family.

Jason Vesely is a financial advisor at LPL Financial in Rancho Cordova, CA, holding a Series 66 credential with two years of industry experience. His prior roles include positions at Spectrum Wealth Advisory Group, LLC and Discovery Hills Church. He is also involved in an online sales business called JVSupply. 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. The firm offers financial planning, advisory programs, retirement plan consulting, brokerage services, and access to various investment models and research resources.

Kate Calderon is a Wealth Management Planning Consultant at Fidelity Investments, where she collaborates with clients, Wealth Management Advisors, and specialist teams to design and implement personalized financial plans. Her focus is on growth, preservation, and wealth transfer across generations. She has been with Fidelity Investments since 2021. Prior to this, she held the position of Senior Vice President Lead Relationship Manager at Bank of the West from 2016 to 2021, and worked as a Senior Private Banker II at Wells Fargo from 2014 to 2016. Kate holds a California Insurance License. Additional details regarding her education and personal interests have not been provided.

Corbin Weatherby is a financial advisor with OSAIC, holding Series 63 and Series 66 credentials and 10 years of industry experience. His prior roles include positions at Woodbury Financial Services, Questar Asset Management, Questar Capital Corporation, and J.P. Morgan Securities. He serves as Chapter President and instructor for the American Financial Education Alliance, a nonprofit organization focused on financial education, and is a volunteer representative for a local church congregation. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, providing brokerage and advisory services through a large network of affiliated advisors and multiple platforms. The firm utilizes asset-allocation tools, risk assessments, and automated rebalancing to construct portfolios, offering discretionary and non-discretionary account management along with access to third-party managers and wrap programs.

Alex Worden is a financial advisor with Charles Schwab in Sacramento, CA, holding a Series 66 designation and three years of industry experience. His prior work history includes positions at TD Ameritrade, Apple Inc., Gamestop Inc., and Papa Murphy's Inc. Charles Schwab serves a large client base, 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 a combination of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and extensive research capabilities.

Noah Zahnd is a financial advisor at Fidelity with seven years of industry experience. He holds Series 63 and Series 66 licenses. His prior experience includes roles at Robinhood Financial, The Vanguard Group, and Divvy Homes. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, with a focus on discretionary portfolio management, fund advisory, and model portfolio delivery. The firm integrates fundamental research with quantitative analysis and algorithmic portfolio construction, and serves as an adviser to multiple registered investment companies.

Douglas Macrae is a financial advisor with Raymond James Financial who holds Series 63 and Series 65 designations and has 44 years of industry experience. He has been with Raymond James Financial Services Advisors Inc. since 2018 and has worked at affiliated Raymond James entities since 1993. Macrae also operates an independent RIA registered in his name. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, institutional investors, and charitable organizations. The firm provides non-discretionary planning and consulting tailored to client goals and supports a broad network of advisors with institutional consulting and portfolio management capabilities.

Arutyun Shiboyan is a financial advisor with Raymond James Financial Services Advisors, Inc. in Roseville, CA, holding Series 63 and Series 65 designations and 13 years of industry experience. His prior work includes six years at Wells Fargo Clearing and several roles within Wells Fargo-affiliated entities. Outside of his advisory work, he owns a small business renting out personal vehicles through the Turo platform. 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 uses fact-finding, risk profiling, and analytical tools to provide tailored non-discretionary planning and investment advice.

Julienne Buxton is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 34 years of industry experience. She has been with LPL Financial since 2010. Outside of her advisory role, she manages a life insurance business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.