Richard Hernandez is a financial advisor at Fidelity with seven years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Wells Fargo Bank NA and Wells Fargo Clearing Services LLC before joining Fidelity. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Colin O'Neill is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he held positions at several companies including AirGarage, ezCater, AfterShip, and GRIN. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets. The firm is notable for its extensive retail advisor and branch network as well as its affiliated trust, mutual fund, and securities lending capabilities.

William Wang is a financial advisor with LPL Financial in Sacramento, CA, holding a Series 66 designation and 17 years of industry experience. He has been with LPL Financial since 2011. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations, offering diverse advisory programs, financial planning, and retirement consulting through a national network of investment adviser representatives.

Lennis Francis is a financial advisor with LPL Financial in Vacaville, CA, holding a Series 63 designation and over 28 years of industry experience. He has been with LPL Financial since 2002. In addition to his advisory role, he is involved in insurance activities and operates Francis Financial Services, Inc., where he manages commission and fee revenue deposits. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, providing both discretionary and non-discretionary management supported by internal and third-party research.

Jocelyn Fante Yim is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 65 licenses and 16 years of industry experience. She has been with Wells Fargo Clearing and its affiliated firm since 2016. Outside of her advisory role, she is co-owner of a dog breeding business, Sheldon Woods Premier Pups LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by in-house research and third-party analytics.

Thomas Goode is a financial advisor at Morgan Stanley with 13 years of industry experience. He has worked with Morgan Stanley and its Private Bank since 2012 and 2015, respectively. He holds the Series 66 designation. Outside of his advisory role, Goode serves as a board member of the Rotary Club of Arden Arcade Foundation in Sacramento. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and structured discovery conversations. The firm manages approximately $2.74 trillion in client assets and provides services that include institutional relationships, private funds, and structured product activities.

Scott Walton is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Outside of his advisory role, he serves as treasurer for Walk 4 Mental Health, assisting with fundraising activities. 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 an IPS-driven process and modern portfolio theory. The firm includes insurance-related investment options and bank deposit sweep programs as part of its broader financial product offerings.

Danilo Caldeira is a Financial Solutions Advisor (FSA) with Merrill Lynch Wealth Management. In this role, he focuses on connecting clients to the people, plans, and processes that align with their unique financial ambitions. He works with clients to plan for their personal goals, including funding education, preparing for retirement and health care costs, and developing long-term family financial strategies. Danilo takes time to understand what is important to each client, providing guidance across general investing, retirement planning, and saving for unexpected events. His approach emphasizes simplicity and transparency to help clients navigate the complexities of wealth planning. He holds a Bachelor's degree from Excelsior College and maintains professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA).

James Coffin III is a financial advisor with Morgan Stanley in Sacramento, CA, holding a Series 63 designation and 38 years of industry experience. He has been with Morgan Stanley since 2009 and previously worked at Morgan Stanley Private Bank, National Association. Outside of his advisory role, he serves as a Successor Trustee in Walnut Creek, California. 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 uses structured planning tools and modeling techniques in its process.

Henrry Medrano is a Financial Advisor with Merrill Lynch Wealth Management, where he provides comprehensive wealth management services tailored to clients' individual needs. He works closely with clients to connect all aspects of their financial lives, helping prioritize and pursue goals through customized strategies that adapt to changing circumstances. Henrry and his team at TSPN Wealth Management Group offer guidance in areas such as retirement planning, business launching, and investment opportunities, leveraging access to banking and lending services through Bank of America. Henrry holds a Personal Investment Advisor (PIA) designation and earned his High School Diploma/GED from Houston Community College. He is actively involved in professional organizations including the Greater Houston Partnership, Greater Houston Women's Chamber of Commerce, Greater Northside Chamber of Commerce, and Women's Energy Network. His community involvement extends to participation in groups such as the Greater Northside Chamber of Commerce, Houston Livestock Show & Rodeo Corral Club, Interfaith Ministries, Rescue America, SWAT Ministries International, United Way, Wesley Community Center, and Women's Energy Network. Outside of his professional work, Henrry enjoys camping, cooking, running, traveling, watching movies, practicing yoga, and spending time with his family. His approach emphasizes building robust financial strategies that provide security and adaptability, guiding clients through life's uncertainties toward their financial aspirations.

James Radovich is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 65 credentials and bringing 12 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines research from Wells Fargo Investment Institute with third-party analytics to guide its investment approach.

Patrick Barr is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 17 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors from 2013 to 2016. Based in Sacramento, CA, his career has been focused within the Wells Fargo organization. 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 services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, serving as an ERISA fiduciary and including a broader set of financial product offerings than typical for large institutional advisers.

Sterling Dalatri is a financial advisor with Morgan Stanley in Sacramento, CA, holding a Series 63 designation and 34 years of industry experience. He has been with Morgan Stanley and its affiliates since 2007, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through financial advisors and the Estate Planning Strategies Group.

Curtis Godt is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in discretionary portfolio management for high net worth clients. He has been in the investment management business since January 1989, beginning his career with Merrill Lynch Wealth Management in Palo Alto. Curtis focuses on personal retirement planning, portfolio management services, and retirement income strategies. A fifth generation Californian born in Berkeley and raised in Sacramento, Curtis graduated with a Bachelor's degree from the University of California, Berkeley in December 1986. He holds the Personal Investment Advisor (PIA) designation and is actively involved in professional and community organizations including Union-Tehama Lodge No. 3, The Scottish Rite of Freemasonry in Sacramento, and Ben Ali Shrine. Curtis lives in Elk Grove with his wife and son. Outside of his professional work, he enjoys golfing, reading, and spending time with his family. He also participates in community activities such as the John F. Kennedy Class of 1982 40 Year Reunion and various Masonic entities to which he belongs.

Brent Terrill is a financial advisor with Edward Jones in Vacaville, CA, holding Series 63 and Series 66 credentials. He has 39 years of industry experience and has been with Edward Jones since 1986. Outside of his advisory role, he is associated with Mason-Wilson LLC, a commercial office building business in Vacaville. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Cameron Cecil is a CFP® professional with six years of industry experience, currently serving as a financial advisor at Edward Jones since 2020. Prior to joining Edward Jones, he worked for six years in county assessor roles with San Mateo and Sacramento Counties. He is also a trustee of the Vacaville Museum, where he participates in policy administration, finance, and community relations. Edward Jones is a full-service wealth management firm serving individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Shan Allen is a financial advisor at Mass Mutual Investors Services with a Series 66 credential and one year of industry experience. Prior to joining the firm, Allen held positions with Park Avenue Securities, Guardian Life Insurance Company, and NYLife Securities LLC. Outside of financial services, Allen was involved in a political campaign, working with Bobbie Singh Allen for Mayor from 2020 to 2025. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements utilizing firm-approved software tools and provides additional event-driven planning programs such as divorce and estate settlement.

Joanne Mcconiga is a financial advisor with Wells Fargo Clearing in Folsom, CA, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. She has worked at Wells Fargo Clearing since 2016, following two years with Wells Fargo Advisors LLC and concurrent employment with Wells Fargo Bank NA since 2012. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advice grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment recommendations across a broad range of products, performance reporting, and participant education, acting as an ERISA fiduciary in its advisory capacity.

Sean Langley is a financial advisor with Morgan Stanley in Sacramento, CA, holding Series 63 and Series 65 licenses and with 28 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a range of advisory programs, including customized financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling in its advisory process.

Ariel Agustin is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, Ariel provides personalized wealth management strategies tailored to clients' individual financial situations and goals. Leveraging the investment insights of Merrill and the banking services of Bank of America, Ariel helps clients navigate changing market conditions and pursue their financial objectives. With expertise in areas including executive compensation, retirement income, philanthropic planning, socially responsible investing, and tax minimization, Ariel offers comprehensive wealth management that begins with understanding the client's family and financial priorities. Ariel holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Ariel earned a bachelor's degree from the California State University System. Outside of work, Ariel’s personal interests include basketball, biking, genealogy, interior decorating, spending time with family, and traveling. Ariel’s approach is grounded in a philosophy of providing personalized support to help clients achieve their goals with clarity and confidence.