Mark Ward is a Senior Financial Advisor at Merrill Lynch Wealth Management in Sacramento, CA. In this role, he specializes in tailoring financial strategies for individuals, families, and businesses. His approach emphasizes understanding clients’ priorities and goals through thoughtful questions and meaningful conversations to develop personalized investment strategies. He continuously updates these strategies to help clients maintain progress toward their financial objectives amidst changing market conditions and life circumstances. Mark’s areas of focus include Family Wealth Management Strategies, Investment Consulting for Defined Contribution Plans, Managing New Wealth, Personal Retirement Planning, Portfolio Management Services, Individual and Corporate Investment Strategy, Tax Minimization, and Retirement Income. He holds the Personal Investment Advisor (PIA) designation and earned his education from the University of Colorado. In addition to his professional work, Mark participates in community service activities and volunteers with the Ronald McDonald House Charities. Outside of his advisory role, he enjoys adventure sports, boating, fishing, football, skiing, and swimming.

Theresa Goldsmith is a financial advisor with Cetera, holding a Series 63 designation and 38 years of industry experience. She has worked at Cetera and its affiliated entities since 2012, including First Allied Advisory Services and First Allied Securities. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, employer-sponsored, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a multi-manager platform with a variety of portfolio management options and serves over 800,000 clients with more than $256 billion in assets under management.

Jon Pierre Evans is a financial advisor with Morgan Stanley in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. His career includes multiple roles at Morgan Stanley since 2018 and prior experience at Merrill from 2014 to 2018. Outside of advising, he is involved with SMS Ventures, LLC, a real estate business based in Las Vegas. Morgan Stanley Wealth Management offers a broad range of advisory services to individuals and institutional clients, emphasizing tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in assets and provides access to diversified investment programs alongside estate planning strategies.

Justin Perry is a financial advisor with Merrill in Roseville, California, holding a Series 66 designation and eight years of industry experience. He has worked at Bank of America and Merrill since 2018 and previously spent a year at Farmers and Merchants Bank. Outside of finance, he serves as an officer for Fete Today, Inc., a family wine and grape business, and participates in the Lincoln Technical Academy CTE Business and Finance Committee. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, and institutional investors.

George Chuchas is a financial advisor with UBS Financial Services in Roseville, CA, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His prior experience includes roles at Bank of America and Merrill. He serves as an advisory board member and investment liaison for the Annunciation Greek Orthodox Church of Sacramento. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary capital market research and model-based asset allocations to tailor financial plans. The firm operates with institutional trading capabilities alongside wealth management offerings.

Jennifer Logan is a financial advisor with Merrill in Roseville, CA, holding a Series 66 designation and 20 years of industry experience. She has been with Merrill since 2004. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Riley Persily is a financial advisor at Robert W. Baird & Co. with a Series 66 designation and two years of industry experience. Prior to joining Baird in 2023, Riley worked at Hattori Hanzo Shears for three years and studied at Loyola Marymount University. The DDK Group at Robert W. Baird & Co. serves individuals, corporate clients, pension plans, and charitable organizations through a range of services including financial planning, portfolio management, and custody and brokerage services. The firm offers a combination of manager-traded and model-traded strategies, tax-management, direct-indexing, and ongoing manager selection supported by internal research and tools.

Jeffrey Nielsen is a Senior Financial Advisor with over 30 years of experience in wealth management and financial planning. He currently serves clients through Merrill Lynch Wealth Management, focusing on integrating investment management with banking and lending solutions offered through Bank of America, N.A. His approach centers on connecting all aspects of a client’s financial life to prioritize and pursue their individual goals. Jeffrey began his career in 1993 serving Great Western Bank clients in Sacramento before transitioning to Merrill Lynch in 1995. His extensive experience has enabled him and his team to assist clients with areas such as college education planning, equity compensation services, family wealth management strategies, liquidity management, retirement income, and socially responsible investing. He holds a Personal Investment Advisor (PIA) designation and earned a Bachelor’s Degree from California State University Sacramento. Outside of his professional role, Jeffrey’s personal interests include football, hiking, running, yoga, and spending time with his family.

Daniel Huegi Jr. is a financial advisor with LPL Financial in Sacramento, CA, holding a Series 66 designation and 11 years of industry experience. He has been with LPL Financial since 2014 and has worked at The Golden 1 Credit Union since 2008. 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 financial planning and advisory programs, including discretionary and non-discretionary management, and provides access to research, model portfolios, and various investment strategies.

Christopher Curcuro is a CFP®-certified financial advisor with 30 years of industry experience, currently serving at Charles Schwab since 2021. His prior experience includes roles at TD Ameritrade, Mercer Global Advisors, and Fidelity Brokerage Services. Outside of his advisory work, he is a referee for competitive and recreational youth soccer leagues. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 both non-discretionary and discretionary investment options utilizing multi-asset model portfolios and conducts formal due diligence on alternative investments.

John Fletcher is a financial advisor with OSAIC, holding a Series 66 designation and 10 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for nine years before joining OSAIC in 2025. Outside of his advisory role, he operates a sole proprietorship selling sports cards. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, offering a wide range of advisory and brokerage services through a large network of affiliated advisers. The firm employs various asset-allocation tools and supports multiple management approaches, incorporating stocks, bonds, options, mutual funds, ETFs, and alternative investments in client portfolios.

Jessica Wertz is a financial advisor with Charles Schwab in Sacramento, CA, holding Series 66, 65, and 63 licenses and bringing 12 years of industry experience. Her previous roles include positions at TD Ameritrade and Financial Engines Advisor LLC. Charles Schwab & Co., Inc. serves a large client base of 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by dedicated research and alternative investment programs.

Fred Rogers III is a financial advisor at OSAIC with 42 years of industry experience. He holds a Series 63 designation and has worked at OSAIC since 2024, following a 23-year tenure with Securities America Advisors, Inc. He also operates a sole proprietorship providing service-related support to fixed insurance customers. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisors and offers integrated brokerage and advisory services, retirement plan consulting, and access to third-party money managers and wrap programs. The firm employs advanced portfolio construction tools and supports multiple advisory platforms and legacy transitions.

Michael Messina is a financial advisor with Cetera who holds a Series 63 designation and has 28 years of industry experience. He previously worked at Avantax Investment Services, Inc. for 27 years and has been involved in tax preparation through American Tax Services for over 30 years. Outside of his advisory work, he has served as a high school basketball coach since 2014. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, with access to both affiliated and third-party investment managers and various program structures.

Gary Vestal is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Wells Fargo and Edward Jones. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, providing investment consulting and advisory services through a process that combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework.

Ernest Crisologo is a financial advisor with Ameriprise in Lincoln, CA, holding the ChFC® designation and Series 66 license. He has 25 years of industry experience, including 15 years with Ameriprise Financial Services, Inc. prior to joining Ameriprise in 2020. He also holds a real estate license. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific eligibility criteria. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendations through a centralized consulting team, emphasizing managed accounts and utilizing algorithmic automation overseen by an internal committee.

Svetlana Maksimovic is a financial advisor at Wells Fargo Clearing with nine years of industry experience. She holds Series 63 and Series 66 licenses and has been with Wells Fargo Clearing since 2016. Prior to that, she worked at Wells Fargo Bank, NA starting in 2014. 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 broader range of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Jason Fass is a financial advisor with Cetera who holds the Series 66 designation and has eight years of industry experience. He has worked at firms including Hilltop Securities Inc and Avantax Advisory Services before joining Cetera in 2025. Fass also operates Fass Wealth Strategies Group, a marketing name for a group of registered representatives providing financial advisory, retirement planning, and wealth management services. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Sulaiman Zamanudin is a CFP® with 12 years of industry experience, currently advising at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC and has been associated with Wells Fargo Bank NA since 2004. 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 management grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Amy Loring is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 28 years of industry experience. She has previously worked at Robert W. Baird & Co. for 11 years and D.A. Davidson & Co. for one year before joining Wells Fargo Clearing in 2021. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.