Steven Raymond is a CFP® professional with 18 years of industry experience. He is currently affiliated with LPL Financial and has prior experience at Safe Credit Union and Cambridge Investment Research. 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 advisory programs and financial planning services, utilizing model portfolios and research to provide both discretionary and non-discretionary management.

Ali Coleman is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been in the financial industry for 23 years and with Merrill Lynch since 2007. Ali specializes in providing customized wealth management experiences by considering clients' entire financial and personal lives before making any decisions. He conducts regular reviews to help clients track progress and adjust plans as needed. Ali's expertise includes college education planning, divorce transition planning, executive compensation, family wealth management strategies, services for defined benefit plans, LGBT wealth planning, managing new wealth, personal retirement planning, special needs planning strategies, and sports and entertainment. He draws upon the resources of Merrill Lynch Wealth Management and the banking services of Bank of America to deliver comprehensive financial strategies. He holds a Bachelor's Degree in Economics from California State University, Sacramento, and holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Ali participates in the Natomas Chamber of Commerce and enjoys playing sports as well as spending time with his wife and two daughters.

Ronald Tolle is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2013 and 2015, respectively. He is based in Folsom, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools such as Secular Return Estimates and Monte Carlo simulations.

John Reuter is a financial advisor at Charles Schwab with 10 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at Charles Schwab and Charles Schwab Bank since 2019, following four years at TD Ameritrade. Charles Schwab & Co., Inc. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a distinctive operational structure including alternative investment programs and cash-sweep arrangements.

Dean Mc Gill is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, offering written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and automated processes overseen by committees to deliver tailored planning through a centralized consulting team.

Marcos Calderon is a CFP® with eight years of industry experience, currently serving at Wells Fargo Clearing since 2022. He previously worked at Bank of America, Merrill, and Edward Jones. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and 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.

Joshua Strawn is a financial advisor with UBS Financial Services in Sacramento, CA, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. He has been with UBS since 2001. Outside of his advisory role, he serves as a board member of the McKinley Elvas Neighborhood Alliance. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings that include fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and employs proprietary research and model-based asset allocations to tailor investment plans.

Brian Winnen is a CFP® with 14 years of industry experience and is currently with J.P. Morgan Securities. He has been with JPMorgan Chase and its affiliates since 2011, serving in various roles across J.P. Morgan Securities LLC and JPMorgan Chase 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. The firm employs an ESG eligibility framework and offers a range of fund and strategy recommendations approved through internal review processes.

Thomas Taylor is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2023. He has been with Fidelity since 2015, progressing through roles including Financial Consultant, Investment Consultant, and Financial Representative. Thomas focuses on creating and maintaining financial plans tailored to the specific situations of clients and their families. His work centers on retirement, investment, and income planning strategies, aiming to build client confidence in these areas. He holds a CA Insurance License.

James Willson III is a financial advisor with Mass Mutual Investors Services in Roseville, CA. He holds Series 65 and Series 63 licenses and has 25 years of industry experience. His prior work includes roles at The Leaders Group Inc and Lincoln Financial Distributors. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars using collaborative, goal-focused approaches and proprietary software tools.

Tram Bennette is a financial advisor at Morgan Stanley with over 20 years of experience in the investment industry. Their background includes roles at Chase Investment Services Corp. and WMFS, spanning more than two decades. Bennette holds Series 66, Series 63, and Series 65 licenses. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, offering tailored financial planning and a variety of investment programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by advanced modeling tools.

Young Moon is a financial advisor with LPL Financial based in Sacramento, CA, holding Series 63 and Series 66 licenses and having five years of industry experience. Prior to joining LPL Financial, Young worked at Merrill, Bank of America, and Citigroup. He is also associated with Golden1 Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charities through a national network of advisers, providing financial planning, advisory programs, and retirement plan consulting.

Richard Allison is a financial advisor at OSAIC with 24 years of industry experience. He holds the Series 66 designation and has been owner of Allison Wealth Management since 2009, providing financial planning and asset management services. He is also involved in insurance sales through Allison Wealth Management and serves as a member of the Orion Portfolio Solutions Advisory Council. OSAIC serves a wide range of clients, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing various asset-allocation tools and investment platforms to manage diversified portfolios.

Robert Roth is a financial advisor with Ameriprise in El Dorado Hills, CA, holding a Series 66 designation and 37 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers retirement-income planning services focused on clients approaching or in retirement, typically with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

Patrick Difuntorum is a Financial Advisor with Merrill Lynch Wealth Management. He holds a Bachelor's Degree from the California State University System. His role focuses on providing financial advisory services through Merrill Lynch, supporting clients in managing their wealth and financial planning. Additional details regarding his specific areas of expertise, experience, or personal interests have not been provided.

Robert Duray is a financial advisor with LPL Enterprise, holding a Series 66 designation and one year of industry experience. Prior to joining LPL Enterprise in 2025, he served in the United States Air Force for a total of 11 years. LPL Enterprise, LLC serves a broad mix of clients including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, and access to model portfolios and third-party asset management, with an integrated platform that combines advisory programs and the sale of various financial products.

David Thomas is a financial advisor with Merrill, holding a Series 66 designation and 23 years of industry experience. He has been with Merrill since 2009 and has worked at Bank of America, N.A. since 2011. 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. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Sarah Howard is a financial advisor at Morgan Stanley with 10 years of industry experience. She has been with Morgan Stanley since 2015 and also works at Morgan Stanley Private Bank, N.A. since 2018. She holds a Series 66 designation. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and scenario modeling as part of its financial planning process.

Joseph Zanolli is a financial advisor at Wells Fargo Clearing with five years of industry experience. He holds the Series 66 designation and has worked at Raymond James Financial and Raymond James Financial Services, Inc. He also operates Sierra Foothill Asset Management DBA Owens Estate Wealth Strategies Group. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Ty Kearney is a financial advisor with J.P. Morgan Securities in West Sacramento, CA, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. He has been with J.P. Morgan Securities and Jpmorgan Chase Bank since 2011. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm integrates large institutional advisory operations with brokerage, distribution, and investment management capabilities.