Malonn Barnes serves as a Resident Director and Financial Advisor at Merrill, providing financial guidance to executives, business owners, medical professionals, and their families. In this role, Malonn helps clients navigate retirement planning, wealth management, exit planning, and legacy planning to make well-informed financial decisions aligned with their priorities. With a bachelor's degree from Troy University, Malonn holds several professional designations, including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). These credentials support the comprehensive wealth management approaches Malonn employs. Malonn has been involved with the Capital Region United Way Foundation Board and has previously served on the United Way California Capital Region Foundation Board. Personal interests include basketball, golfing, and music.

Timothy Dobler is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Cetera and its affiliated entities since 2003 and owns small businesses providing tax, bookkeeping, and business consulting services. Additionally, he sells Medicare supplement insurance through Mutual of Omaha and United World Life on a limited basis. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary account management across various program structures.

Bradley Mitchell is a financial advisor with UBS Financial Services in Elk Grove, CA, holding a Series 63 designation and 39 years of industry experience. He has been with UBS since 1989. Outside of his advisory role, he serves as an industry arbitrator on FINRA securities arbitration panels and acts as a successor trustee managing the settlement of a family trust. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad platform of capital markets solutions.

Katelyn Frizzie is a financial advisor with LPL Financial, holding a Series 66 credential and 11 years of industry experience. Her prior roles include positions at Raymond James Financial Services and Edward Jones. Outside of her advisory work, she operates Frizzie Farms, a non-investment-related business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning and a range of portfolio management options, utilizing both proprietary and third-party strategies supported by advisor-facing research tools.

Jerome Williams is a financial advisor at Fidelity with four years of industry experience. He holds the Series 66 designation and has worked previously at LPL Financial, Balam Wealth Management, and as a contractor for Comcast. Outside of advising, he is the sole proprietor of C.V. Enterprise, where he oversees hiring and administrative tasks. 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 combines fundamental research with quantitative and algorithmic portfolio construction, offering model portfolios built from a broad range of mutual funds, ETFs, and ETPs.

Jerry Sandlin Jr. is a financial advisor with Cetera, holding Series 63 and Series 66 designations and 29 years of industry experience. His prior work includes roles at LPL Financial, Schools Financial Credit Union, U.S. Bancorp Investments, Citicorp Investment Services, and Morgan Stanley. Outside of finance, he is a qualifying partner in a house painting business, although he is not involved in its daily operations. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers diversified portfolio management and financial planning services through a multi-manager platform that incorporates affiliated and third-party managers across various program structures.

Charles Smith is a financial advisor at Osaic with 56 years of industry experience. He holds a Series 63 designation and previously worked at Securities America Advisors and National Planning Corporation. Smith serves on the board of Pathways, Inc., an organization providing addiction recovery, substance abuse treatment, and mental health counseling services. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm integrates brokerage and investment advisory services using asset-allocation tools, risk-tolerance assessments, and access to third-party money managers, offering both discretionary and non-discretionary portfolio management.

Amber Lynn is a financial advisor with Edward Jones in Woodbridge, CA, holding the CFP® designation along with Series 63 and Series 66 licenses. She has 13 years of industry experience and has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets through a network of about 23,701 advisors and offers a range of advisory programs with discretionary and non-discretionary strategies under a fiduciary standard.

Matthew Mcdonald is a financial advisor with Cetera, holding Series 63, 65, and 66 licenses and bringing 28 years of industry experience. He has been with Cetera since 2013 and also owns Matt McDonald Financial, a DBA for financial and insurance services. Outside of his advisory work, he serves as a treasurer for Rage Soccer Academy and has experience as a paralegal specializing in living trust and estate work. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a multi-manager platform providing discretionary and non-discretionary portfolio management, financial planning, ERISA retirement services, and access to third-party money managers across various program structures.

Anthony Nieddu is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with Raymond James Financial Services Advisors Inc. since 2010. Outside of his primary role, he works as an independent contractor for Hickinbottom Financial in Lodi, CA. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individual, institutional, and nonprofit clients, utilizing tailored, non-discretionary strategies supported by advanced analytical tools.

Kristina Currie is a financial advisor at Fidelity with 22 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Fidelity and Nationwide Investment Services Corp. throughout her career. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages a variety of investment vehicles and uses systematic methodologies alongside long-term asset allocation benchmarks.

Tiffany Archimede Ramirez is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. She holds Series 63 and Series 66 designations. Her prior roles include positions at JPMorgan Chase Bank, N.A., and The PNC Financial Services/PNC Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Christian Phillips is a financial advisor at LPL Financial with 38 years of industry experience. He has been with LPL Financial since 2003 and previously worked at Waddell & Reed from 1997 to 2003. In addition to his advisory role, he engages in selling fixed insurance products through his own business activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and third-party asset management, supported by research and technology tools.

Robert Faust is a financial advisor with Cetera, holding a Series 66 license and 19 years of industry experience. He has worked with firms including Raymond James Financial Services and currently holds roles at Cetera and Barrett Business Services, where he serves as a business development manager in HR, payroll, and staffing services. In addition to his advisory work, Faust is involved in non-medical home care services as a business development manager for Visiting Angels. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform with diverse program options and more than 10,000 advisors across various custodial relationships.

Thac Hoang is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. His prior roles include 16 years at Avantax and ownership of Tido Financial, where he provides tax planning and accounting services. Outside of finance, he manages OURSALONMOMS LLC, which supports salon owners with tax and business consulting, and owns Victoria Beauty Salon. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform, with assets under management exceeding $256 billion.

Kevin Twing is a financial advisor at Cetera with 24 years of industry experience. He holds the Series 63 and Series 65 credentials and has been associated with Cetera and Cetera Wealth Services since 2013. In addition to his advisory role, he is an insurance agent selling life, annuities, and long-term care products, and he also provides notary services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a large network of advisors and operates a multi-manager platform with diverse investment program options.