Michael Joseph is a Financial Advisor with Merrill Lynch Wealth Management and a member of the Special Needs Team. Based in Modesto, he serves clients in the Greater Sacramento area and throughout Northern California. Michael applies over 10 years of experience to provide individualized financial guidance, working closely with business owners, professional fiduciaries, trust attorneys, and non-profit organizations to help them navigate complex financial landscapes and pursue their long-term goals. He holds the Chartered Retirement Planning Counselor™ (CRPC™) certification and the Personal Investment Advisor (PIA) designation. Michael earned a Bachelor's degree with a double concentration in operations and finance from California State University, Stanislaus. His expertise includes retirement planning, portfolio management, special needs planning strategies, services for endowments and non-profits, and retirement income planning. Michael and his team were recognized on Forbes' "Best-in-State Wealth Management Teams" list for 2023 and 2024. Outside of his professional role, Michael is involved with local community organizations, including his local church and the Salvation Army. He enjoys boating, camping, golfing, and skiing, and values balancing his career with personal interests and family life.

Gary Arena is a financial advisor at Wells Fargo Advisors with 30 years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes roles at Wells Fargo Clearing, UBS Financial Services, and Piper Sandler & Co. Arena is also the owner of Arena Wealth Management LLC. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory with various financial product and referral channels.

Heather Story is a CFP® professional with seven years of industry experience, currently serving with LPL Financial since 2025. She previously worked at Edward Jones for six years and has business experience with Hammer & Nails Grooming Inc, Wellbiz Brands Inc, and Huna Investments LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports a broad range of investment strategies and offers various advisory platforms alongside extensive non-advisory financial services.

Dexter Parulan is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley and its affiliated entities since 2009, with prior experience at Citigroup Global Markets and U.S. Bancorp Investments. He serves on the finance committee of The Catholic Foundation in Sacramento, CA. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process incorporates structured discovery and advanced modeling tools, supporting clients in managing comprehensive financial plans.

Matthew Cimino is a CFP® professional affiliated with Wells Fargo Clearing, with 12 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he serves as treasurer for United Walk Inc., where he oversees financial activities and provides strategic guidance. 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 combines proprietary research and third-party analytics to offer diversified investment solutions and a broad range of financial products through affiliated entities.

William Dean is a financial advisor with Edward Jones in El Dorado Hills, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he worked in the retail automotive sector with Harley-Davidson dealerships for eight years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Glenn Malkasian is a financial advisor at Cetera with six years of industry experience and holds a Series 66 designation. He has been associated with Cetera and its related entities since 2019 and also operates Malkasian Wealth Management. Outside of advisory services, he is a CPA at Malkasian Accountancy LLP, providing tax preparation and accounting services. Cetera Investment Advisers LLC is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and consulting services through a multi-manager platform with over 10,000 advisors and $256 billion in assets under management.

Mark Sikich is a financial advisor at Edelman Financial Engines in Roseville, CA, holding a Series 66 designation with 13 years of industry experience. He has worked within the Financial Engines organization and its predecessors since 2012, including roles at TD Ameritrade. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm employs a committee-driven proprietary modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary investment solutions with an emphasis on diversified portfolios and long-term strategies.

Trudy Nishita is a financial advisor at Wells Fargo Advisors with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing Service, Merrill, and Wells Fargo Investments. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu and integrates advisory services with other financial products and referral channels.

Catherine Crossley is a financial advisor with Merrill in Sacramento, CA, holding a Series 66 license and six years of industry experience. She previously worked at Meadowood Resorts and WestAmerica Bank before joining Merrill and Bank of America in 2019. Outside of her advisory role, she is involved as a general partner and managing member of Sky High Drone Services LLC, which provides drone imaging services, and volunteers with First Step Communities, a nonprofit supporting interim housing and emergency shelter for people experiencing homelessness. 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 model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and charitable organizations.

Joan Phinney is a financial advisor with UBS Financial Services in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. Her prior roles include positions at Wells Fargo Clearing, RBC Capital Markets, Citigroup Global Markets, and Wells Fargo Investments. Outside of her advisory work, she serves as Treasurer for the Sacramento Capitol A's community organization. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor client solutions.

Summer Lemmon is a financial advisor at Charles Schwab with 15 years of industry experience. She holds a Series 66 designation and has worked at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2013. Outside of her advisory role, she serves as Treasurer for Cub Scout Pack 310 in Orangevale, CA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and offers multi-asset model portfolios supported by centralized custody and operational infrastructure.

Ashwin Mudaliar is a financial advisor at Edward Jones in Sacramento, CA, holding a Series 66 designation with five years of industry experience. He has been with Edward Jones since 2020 and previously worked for Comfort Suites for ten years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both high-net-worth and non-high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory programs and investment strategies supported by a nationwide network of financial advisors and branch offices.

Sonia Perez is a financial advisor at Merrill with one year of industry experience. She holds a Series 66 designation and has previously worked at Wells Fargo N.A. and First Northern Bank. Outside of her advisory role, she works as a consultant and independent contractor for DoorDash. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients, offering a range of model-based and discretionary investment strategies for individual, high-net-worth, and institutional clients.

Lucas Eastburn is a financial advisor at Fidelity with two years of industry experience and holds a Series 66 designation. Prior to joining Fidelity, he worked at Equitable Advisors and has also served as an independent contractor with the Sierra Native Alliance, where he supported youth activities and event logistics. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs. The firm is noted for its advisory roles to registered investment companies and its use of systematic methodologies and AI-driven research.

Kevin Nelson is a financial advisor with Thrivent Investment Management in Citrus Heights, CA, holding a Series 66 designation and 17 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2008. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning with a focus on retirement, tax, estate, and other personal financial topics, separate from portfolio management and implementation.

Andrew Schoenike is a CFP® professional based in Roseville, CA, with 18 years of experience in the financial industry. He has worked at Wells Fargo Clearing since 2016 and previously held positions at J.P. Morgan Securities and Chase Investment Services Corp. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets through more than 14,000 financial advisors.

Lauren Stowe is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Wells Fargo Clearing since 2016, with prior experience at Wells Fargo Bank, Citigroup Global Markets, and Citicorp Investment Services. Wells Fargo Advisors provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, supported by research from Wells Fargo Investment Institute and third-party analytics.

Scott Lewis is a financial advisor with Cambridge Investment Research Advisors in Sacramento, CA, holding a Series 66 credential and nine years of industry experience. He has worked at Cambridge Investment Research Advisors since 2018 and has been associated with North Star Financial Partners since 2010. Outside of advisory work, he is also active as a tax preparer and independent insurance agent. Cambridge Investment Research Advisors serves a broad client base including individuals, pension and profit-sharing plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, retirement plan advisory, and financial wellness services through a network of independent professionals, employing a range of portfolio management strategies and platform options tailored to client objectives.

Antwon Weary is a financial advisor with LPL Financial in Sacramento, CA, holding a Series 66 designation and six years of industry experience. Prior to joining LPL Financial in 2026, he worked at Cambridge Investment Research Advisors and Cambridge Investment Research from 2020 to 2026. Outside of his advisory role, he is involved with Finity Group LLC as an independent insurance agent. 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, model portfolios, third-party asset management, and institutional platforms.