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 provides financial advisory services to clients, assisting them in managing their wealth. Specific areas of expertise, education background, and 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.

Jennifer Freamon is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she serves as a power of attorney for a family member. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm uses an investment policy statement-driven process grounded in modern portfolio theory and includes insurance-related vehicles and bank deposit sweep options among its investment offerings.

Kenny Giacomini is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 65 licenses and having 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 owns and operates a music production and songwriting business. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment offerings.

Michele Estabrook is a financial advisor at Morgan Stanley with 17 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets.

Adam Andelin is a financial advisor with Cambridge Investment Research Advisors in Sacramento, CA, holding a Series 66 license and with 27 years of industry experience. He has been with Cambridge Investment Research Advisors and its related entity since 2008. Outside of advising, Andelin is an independent insurance agent and serves as a member of a neighborhood architectural committee as well as a volunteer finance clerk for a local church. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors, providing financial planning, investment management, and retirement advisory services. The firm offers a range of investment implementation options across various platforms and employs both proprietary and third-party model strategies tailored by independent financial professionals.

Geoff Howard is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. He holds a Series 66 designation and previously worked at Charles Schwab and Charles Schwab Bank for 14 years. 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 advisory solutions grounded in modern portfolio theory and tailored to plan-specific objectives and risk tolerances.

Alex Gulseth is a Planning Consultant at Fidelity Investments, a role he has held since 2025. He is focused on assisting clients in working toward their financial goals through forming genuine relationships and collaborating to meet their financial needs. Alex has progressed through various positions at Fidelity Investments, including Relationship Manager, Financial Representative, High Net Worth Associate, and Customer Relationship Advocate, gaining comprehensive experience in financial services from 2021 to the present. He holds a California Insurance License. Outside of his professional work, Alex has interests in football, golf, reading, soccer, and traveling.

Tracie Baiz is a financial advisor with Osaic Wealth, Inc. in Sacramento, CA, holding Series 63 and Series 65 licenses with 25 years of industry experience. She previously worked at Securities America Advisors, Inc. and Securities America, Inc. for 11 years. Baiz is also an enrolled agent providing personal and business income tax preparation and IRS advocacy services. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a broad network of advisers and advisory platforms. The firm offers integrated brokerage and investment advisory services with a range of investment options and supports both discretionary and non-discretionary management.

Christopher Bradford is a financial advisor with LPL Financial, holding the CFP® designation and Series 66 and 63 licenses, with 23 years of industry experience. He has held positions at Securities America Advisors, Inc., Securities America, Inc., and KMS Financial Services, Inc. Bradford also serves as an executor and trustee of the Jack Sellers estate. LPL Financial is a SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, and institutions through a national network, offering a range of advisory programs, financial planning, and brokerage services.

Jason Pilcher is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with Merrill Lynch since March 15, 1999, providing financial advisory services to help clients pursue their financial goals through personalized wealth management strategies. Jason works closely with clients to develop tailored financial plans that address their individual priorities and adapt to changing market conditions. He holds a Bachelor's Degree from California State University, Sacramento, where he concentrated in finance and accounting. Jason’s professional designations include Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). In addition to client advisory work, Jason regularly conducts training classes at the Merrill Lynch Sacramento Complex. Jason is also engaged in community involvement, volunteering with local organizations in alignment with Merrill’s tradition of community participation. His approach emphasizes one-on-one collaboration to help clients achieve their long-term financial goals.

Zackary Lardie is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC and Wells Fargo Bank, NA. 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 notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jacob La Fond is a financial advisor with Mass Mutual Investors Services, holding Series 63, 65, and 66 licenses and 14 years of industry experience. He previously worked at Northwestern Mutual Wealth Management Company and its affiliates from 2011 to 2024. La Fond is based in Roseville, CA. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses collaborative, annual planning engagements supported by firm-approved software and provides event-driven planning services including divorce and estate settlement.

Teri Glaspy is a financial advisor at OSAIC with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Securities America Advisors, Centaurus Financial Inc., and Banner Financial & Accounting Group Inc. Glaspy is a partner and registered representative at Vector Wealth Management Inc., where she is involved in the sale of securities and insurance products. OSAIC serves a wide range of clients, including individual and high-net-worth investors, pension plans, corporations, and charities, providing integrated brokerage and advisory services through a large network of advisors. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios, while supporting multiple advisory platforms and third-party managed-account solutions.

Allan Cady is a financial advisor with Edward Jones in Carmichael, CA, holding Series 63 and Series 66 designations and bringing 30 years of industry experience. He has been with Edward Jones since 1995. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.