Geoff Howard is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. He holds a Series 66 designation and previously worked at Charles Schwab and Charles Schwab Bank for 14 years. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in modern portfolio theory and tailored to plan-specific objectives and risk tolerances.

Alex Gulseth is a Planning Consultant at Fidelity Investments, a role he has held since 2025. He is focused on assisting clients in working toward their financial goals through forming genuine relationships and collaborating to meet their financial needs. Alex has progressed through various positions at Fidelity Investments, including Relationship Manager, Financial Representative, High Net Worth Associate, and Customer Relationship Advocate, gaining comprehensive experience in financial services from 2021 to the present. He holds a California Insurance License. Outside of his professional work, Alex has interests in football, golf, reading, soccer, and traveling.

Carlos Hernandez is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has worked at Merrill since 2022 and previously held roles at Bank of America and Amazon. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension plans, and charitable organizations using model-based and discretionary investment strategies developed by internal teams and third-party managers.

Tracie Baiz is a financial advisor with Osaic Wealth, Inc. in Sacramento, CA, holding Series 63 and Series 65 licenses with 25 years of industry experience. She previously worked at Securities America Advisors, Inc. and Securities America, Inc. for 11 years. Baiz is also an enrolled agent providing personal and business income tax preparation and IRS advocacy services. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a broad network of advisers and advisory platforms. The firm offers integrated brokerage and investment advisory services with a range of investment options and supports both discretionary and non-discretionary management.

Christopher Bradford is a financial advisor with LPL Financial, holding the CFP® designation and Series 66 and 63 licenses, with 23 years of industry experience. He has held positions at Securities America Advisors, Inc., Securities America, Inc., and KMS Financial Services, Inc. Bradford also serves as an executor and trustee of the Jack Sellers estate. LPL Financial is a SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, and institutions through a national network, offering a range of advisory programs, financial planning, and brokerage services.

Jason Pilcher is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with Merrill Lynch since March 15, 1999, providing financial advisory services to help clients pursue their financial goals through personalized wealth management strategies. Jason works closely with clients to develop tailored financial plans that address their individual priorities and adapt to changing market conditions. He holds a Bachelor's Degree from California State University, Sacramento, where he concentrated in finance and accounting. Jason’s professional designations include Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). In addition to client advisory work, Jason regularly conducts training classes at the Merrill Lynch Sacramento Complex. Jason is also engaged in community involvement, volunteering with local organizations in alignment with Merrill’s tradition of community participation. His approach emphasizes one-on-one collaboration to help clients achieve their long-term financial goals.

Zackary Lardie is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC and Wells Fargo Bank, NA. 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 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.

Jacob La Fond is a financial advisor with Mass Mutual Investors Services, holding Series 63, 65, and 66 licenses and 14 years of industry experience. He previously worked at Northwestern Mutual Wealth Management Company and its affiliates from 2011 to 2024. La Fond is based in Roseville, CA. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses collaborative, annual planning engagements supported by firm-approved software and provides event-driven planning services including divorce and estate settlement.

Teri Glaspy is a financial advisor at OSAIC with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Securities America Advisors, Centaurus Financial Inc., and Banner Financial & Accounting Group Inc. Glaspy is a partner and registered representative at Vector Wealth Management Inc., where she is involved in the sale of securities and insurance products. OSAIC serves a wide range of clients, including individual and high-net-worth investors, pension plans, corporations, and charities, providing integrated brokerage and advisory services through a large network of advisors. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios, while supporting multiple advisory platforms and third-party managed-account solutions.

Allan Cady is a financial advisor with Edward Jones in Carmichael, CA, holding Series 63 and Series 66 designations and bringing 30 years of industry experience. He has been with Edward Jones since 1995. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Marleyna Rubin is a financial advisor at UBS Financial Services in Roseville, CA, holding a Series 66 designation with two years of industry experience. Her prior roles include positions at Wells Fargo Advisors and Wells Fargo Bank NA, as well as employment at the University of California, Merced. Rubin joined UBS Financial Services in 2022. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to a range of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Julia Anderson is a financial advisor at Robert Baird & Co. with 18 years of industry experience. She previously worked at Stifel Nicolaus & Co. for 14 years before joining Robert Baird in 2023. Outside of her advisory role, she is involved in retail sales with Rodan & Fields. Julia is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services that include discretionary and non-discretionary management, separately managed accounts, and a range of traditional and non-traditional investment strategies.

Jason Uchi is a Financial Advisor at Merrill Lynch Wealth Management. In his current role, he provides financial advice and services to clients, assisting them in managing their wealth and achieving their financial goals. Further details about his experience, areas of expertise, education, credentials, personal interests, or community involvement were not provided.

Nicholas Weber is a CFP® professional at OSAIC with 19 years of industry experience. He previously worked at Securities America Advisors, Inc. and SECURITIES AMERICA, inc. for 11 years. He owns Weber Wealth Management & Insurance Services, Inc., where he provides life, disability, and long-term care insurance, and serves as CEO of Iron Point Private Wealth, a DBA of his firm’s securities business. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with various investment platforms and third-party manager access, utilizing asset-allocation tools and risk assessments to construct portfolios.

Christopher Wilczewski is a CFP®-certified financial advisor with Edward Jones in Folsom, CA, and has nine years of industry experience. Prior to joining Edward Jones in 2017, he worked at Verizon Wireless for 15 years and spent a year at Folsom Cordova USD. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies and separately managed accounts.

Jahie Moore Johnson is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo in various capacities since 2009. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach 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.

Dianna Laney is a financial advisor at LPL Financial with 20 years of industry experience. She holds the CFP® and ChFC® designations as well as a Series 66 license. Her prior roles include work at Ideal Life Financial Advisors and an earlier period at LPL Financial. Laney serves on the City of Folsom Planning Commission and supports the local library through a political/government role. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by extensive research and model portfolios.

Garrett Avila is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors, LLC and Wells Fargo Bank, N.A. Avila is based in Sacramento, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Maxwell Glasheen serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. In this role, he partners closely with clients to understand their unique financial situations and develop personalized strategies that address their specific goals. Maxwell focuses on areas including executive compensation, family wealth management strategies, and personal retirement planning, leveraging the global investment resources of Merrill and the banking solutions of Bank of America to implement these strategies. Maxwell holds a Bachelor's Degree in Liberal Arts from the University of Nevada, Las Vegas. He holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Maxwell is committed to working one-on-one with clients to create financial plans tailored to their long-term objectives. Outside of his professional responsibilities, Maxwell participates in community volunteer activities. His personal interests include golfing, reading, and woodworking.

Krista Brewer is a financial advisor with LPL Financial, holding a Series 66 designation and 24 years of industry experience. She has been with LPL Financial since 2005. Outside of her advisory work, she is involved in tax planning and preparation through her business, Behl Financial, based in Roseville, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, supported by research and model portfolios from LPL Research and third-party subadvisors.