Mark Aizenberg is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he is president and owner of Mark II Builders, a construction business based in Sacramento, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s 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.

Jeffrey Olsen is a financial advisor at Raymond James & Associates with 25 years of industry experience. He holds Series 63, 65, and 66 licenses and has previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory role, he serves as President of the Board of Directors for his family-held corporation, Beatty Corp. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm offers wealth advisory planning, investment consulting, and institutional services to a diverse client base, emphasizing non-discretionary planning and recommendations supplemented by an extensive affiliate network.

Shoaib Sarwar is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and 10 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, N.A. Outside of his advisory role, he works as a Lyft driver in Sacramento, CA. 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 advice. The firm’s process is IPS-driven and includes a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Erin Ragsdale is a financial advisor at Fidelity with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including JPMorgan Chase, Merrill, and Urban Wealth Management. Outside of her advisory role, she is the founder and CEO of Rising Tide Financial LLC, an educational mobile application focused on U.S.-based financial literacy. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm serves a diverse client base and maintains a formal advisory role to multiple registered investment companies and fund-of-funds.

Max Modeste is a financial advisor at Fidelity with two years of industry experience. He holds the Series 66 designation and has worked previously at Scoular and William Jessup. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm combines fundamental research with quantitative analysis and uses algorithmic portfolio construction, including model portfolios built from mutual funds, ETFs, and ETPs.

Luz Meraz Johnson is a financial advisor with LPL Financial in Granite Bay, CA, holding a Series 66 designation and 19 years of industry experience. She has been with LPL Financial since 2010. Outside of her advisory role, she is involved as a wellness advocate with DoTerra and participates in a training and education program through Aging Well of CA LLC. 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, retirement consulting, and brokerage services supported by research from LPL Research and third-party subadvisors.

John Duwe is a financial advisor with LPL Financial, holding a Series 66 designation and bringing eight years of industry experience. He has worked at LPL Financial since 2017 and concurrently serves at SAFE Credit Union since 2015. He is also involved as a non-variable insurance producer at Back Nine. 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, model portfolios, and retirement plan consulting.

Eric Schraeder is a Vice President and Wealth Planner at Fidelity Investments, where he has been serving since 2016. In this role, he partners with families to prioritize wealth planning goals and prepare for both certainties and unknowns they may face. He has over a decade of experience in financial advisory, having worked as a Financial Advisor at US Bancorp Investments, Inc. from 2011 to 2016, and previously at UBS Financial Services and Wells Fargo Advisors from 2007 to 2011. Eric holds a California Insurance License.

Jeffrey Sundberg is a financial advisor with Charles Schwab in Folsom, CA, holding Series 63 and Series 66 licenses and 30 years of industry experience. His career includes over two decades at TD Ameritrade and a brief tenure at Fidelity Investments before joining Charles Schwab in 2022. Charles Schwab & Co., Inc. serves 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 offers a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, supported by a multi-asset portfolio approach and centralized operational infrastructure.

Sita Lalchandani is a CFP® with 30 years of industry experience, currently an advisor at Cetera. She has been with Cetera Advisors LLC since 2012 and joined Cetera in 2024. Outside of her advisory role, she is involved with GLH&C Financial Services, a securities and fixed insurance business. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Roosevelt Kirby is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and having 36 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 1989. His other business activities include sales of loan products and home-related services through affiliates of PFS Investments Inc. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and selectively managed accounts for individual and high-net-worth clients within a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors.

Christopher Petralli is a financial advisor with Morgan Stanley in Roseville, CA, holding a Series 66 designation and 18 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Wells Fargo Clearing. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery and firm-approved tools, emphasizing advisory services without providing individual security recommendations as part of standalone planning.

Kevin Wong is a financial advisor at OSAIC with 24 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Woodbury Financial Services, BFC Planning, and Berthel Fisher & Company Financial Services. Outside of his advisory role, he operates a sole proprietorship focused on life and long-term care insurance illustrations and policy creation. OSAIC serves a diverse range of retail and institutional clients, offering brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs various portfolio construction tools and supports both discretionary and non-discretionary account management.

Reginald Willhite is a financial advisor at LPL Enterprise with four years of industry experience. He holds the Series 66 designation and has previously worked at The Prudential Insurance Company of America, Pruco Securities LLC, Stryker, and Allergan PLC. Willhite operates under the Katz Team and Katz Group DBAs, through which he offers comprehensive wealth management services including financial planning, investment management, and insurance solutions. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutions, providing services through advisory and brokerage channels. The firm combines adviser programs with active financial product sales and utilizes third-party asset managers and model portfolios in its investment approach.

Jeffrey Chorn is a financial advisor with Fidelity, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has been with Fidelity Investments and its affiliated entities since 2011. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios and deliver model portfolios to intermediary platforms.

Vladislav Avdeyuk is a financial advisor affiliated with LPL Financial, holding a Series 66 credential and with five years of industry experience. He has worked with LPL Financial since 2016 and has also been involved with Mariner Independent Advisor Network, LLC. Outside of his advisory role, he provides administrative support to Mariner Independent Advisor Network, an independent investment advisor firm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large national network. The firm offers a range of advisory programs, financial planning, and retirement consulting services, employing both discretionary and non-discretionary management with access to various model portfolios and research resources.

Melina Sipple is a financial advisor at Merrill with 11 years of industry experience and holds a Series 66 designation. She has been with Merrill since 2014. Merrill 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 to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm leverages Bank of America’s broader corporate platform to provide access to a wide set of investment products and related services.

Kulvinder Rai is a financial advisor with LPL Financial in Fair Oaks, CA, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has worked with LPL Financial since 2012. Rai also serves as a trustee in a fiduciary capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, financial institutions, corporations, and charities. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and technology.

Steven Hudgins is a financial advisor with Stifel who holds Series 63 and Series 65 designations and has 32 years of industry experience. His prior work includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. He has been with Stifel Nicolaus & Co Inc since 2021. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services. The firm uses a proprietary methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

Tan Vo is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. His prior work includes roles at Bank of America, Wells Fargo Bank, and Libert Home Equity Solution. He also spent time in homemaking in 2019. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.