Kevin Wong is a financial advisor at Osaic with 25 years of industry experience and holds Series 63 and Series 66 credentials. His prior roles include positions at Woodbury Financial Services, BFC Planning, Berthel Fisher & Company Financial Services, and LPL Financial. Outside of advisory work, he operates a sole proprietorship providing life and long-term care insurance illustrations and policy creation. Osaic Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a broad network of affiliated advisors. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and third-party platforms to construct portfolios with various investment vehicles on both discretionary and non-discretionary bases.

Reginald Willhite is a financial advisor at LPL Enterprise with four years of industry experience. He holds a Series 66 designation and has prior experience at The Prudential Insurance Company of America, Pruco Securities LLC, Stryker, and Allergan PLC. LPL Enterprise serves a broad client base including individual and high-net-worth investors, retirement plans, banks, and charitable entities, delivering investment advisory and brokerage services through a network of representatives using model-driven portfolios and offering access to third-party asset managers and financial planning services.

Jeffrey Chorn is a financial advisor at Fidelity with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Fidelity Investments since 2011, with prior experience at Citigroup Global Markets. He is part of Strategic Advisers LLC, a Fidelity company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, and it has distinctive roles including commodity pool operation and advisory services to multiple registered investment companies.

Vladislav Avdeyuk is a financial advisor with LPL Financial in Granite Bay, CA, holding a Series 66 designation and five years of industry experience. His prior work includes roles at Honor Bound Partners and Rubicon Advisors. Avdeyuk also provides administrative support to Mariner Independent Advisor Network, an independent investment advisory firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports a range of investment strategies through a large network of advisors and combines its advisory platform with various financial services and partnerships.

Melina Sipple is a Series 66-licensed financial advisor with Merrill, based in Sacramento, CA, and has 12 years of industry experience. She has worked at Merrill since 2014. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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 previously worked at Charles Schwab for five years before joining LPL Financial in 2012. Rai also serves in a fiduciary capacity and acts as trustee for a living trust. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a broad network to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, including model portfolios, third-party asset management, and institutional platforms.

Steven Hudgins is a financial advisor at Robert W. Baird & Co. with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Stifel Nicolaus & Co., Wells Fargo Clearing, Wells Fargo Advisors LLC, Morgan Stanley, and A. G. Edwards & Sons, Inc. He is part of The DDK Group within Robert W. Baird’s Private Wealth Management department, which serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management through separately managed accounts, and municipal advisory services, supported by ongoing manager selection and internal research.

Tan Vo is a financial advisor with Merrill, holding a Series 66 designation and five years of industry experience. He has worked at Merrill and Bank of America since 2020 and previously held positions at Libert Home Equity Solution and Wells Fargo Bank. Outside of finance, he has experience in homemaking. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Nimanjit Kaur is a financial advisor at Morgan Stanley with eight years of industry experience. She has held roles at Morgan Stanley since 2022 and previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA from 2014 to 2022. She holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analysis from its Global Investment Committee.

Raina Montgomery is a financial advisor with Edward Jones in Carmichael, CA, holding a Series 66 credential and one year of industry experience. Her prior work includes several educational roles at institutions such as Capital Christian School and Victory Christian School. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm offers a range of advisory strategies and affiliated investment products, operating under a fiduciary standard and supported by a large national network of financial advisors and branch offices.

Sean Lucas is a Senior Vice President and Wealth Management Advisor with Merrill Lynch Wealth Management, where he is a partner in the Lucas Cronin Group. He began his financial services career in 1995 and focuses on building long-lasting relationships with clients by delivering a comprehensive approach to wealth management. Sean’s approach emphasizes understanding clients’ life priorities to create personalized strategies tailored to their goals and aspirations. Sean and the Lucas Cronin Group serve business owners, executives, entrepreneurs, and families with services that include personal retirement planning, portfolio management, and retirement income strategies. The team combines modern wealth management techniques with access to Bank of America’s banking services to simplify clients' financial lives. Sean holds multiple professional designations including Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Sean earned a bachelor’s degree from the California State University System. Outside of his professional work, he enjoys music, spending time with his family, and watching movies.

Richard Osen III is a financial advisor at Ameriprise in Sacramento, CA, holding a Series 66 designation. He began his advisory career at Ameriprise in 2024 after prior roles at Sutter Builders, Strike Tax, and positions at two country clubs and a high school. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored recommendation reports. The firm operates as a large institutional provider offering a broad range of advisory, brokerage, and insurance solutions.

James Diepenbrock is a financial advisor at Wells Fargo Clearing with 42 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Morgan Stanley Private Bank, National Association. Outside of his advisory role, he owns and operates Wingman Woodworks, a custom furniture business, and serves as a board member for the Sacramento County Employees' Retirement System. Wells Fargo Clearing provides retirement plan consulting 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.

Ashish Desai is a financial advisor with LPL Enterprise in Roseville, CA, holding Series 63 and Series 65 licenses and three years of industry experience. His prior roles include positions at NYLIFE Securities LLC and New York Life Insurance Company. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and insurance products through its network of investment adviser representatives.

Matthew Voelker is the Vice President and Branch Leader at Fidelity Investments, a position he has held since 2015. In this role, he supports a team of associates and Financial Consultants focused on helping clients achieve their financial goals and dreams. Matthew has extensive experience in the financial services industry, having held multiple leadership roles at Prudential from 1990 to 2014, including Territorial Vice President, Managing Director, Sales Manager, and Representative. He holds a California Insurance License. Outside of his professional responsibilities, Matthew enjoys baseball, golf, traveling, and spending time with family and friends.

Alexander Cushner is a financial advisor at Robert W. Baird & Co. with 33 years of industry experience. He has been with Robert W. Baird since 2011 and holds Series 63 and Series 65 licenses. Outside of his advisory role, Cushner serves as a board member of the Mill Valley Community Golf Board and is a limited partner in a local gastrobar. He is part of the DDK Group within Robert W. Baird’s Private Wealth Management practice, which provides tailored financial planning and portfolio management services to individuals, families, institutions, and charitable organizations, utilizing a range of traditional and non-traditional investment strategies.

Preston Daniells is a financial advisor at Robert W. Baird & Co. with 19 years of industry experience. He has held his current position at Robert W. Baird since 2011 and holds Series 63 and Series 65 licenses. He is part of The DDK Group within Robert W. Baird’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers tailored consulting and portfolio services using a variety of investment strategies and management approaches.

Ken Crawford is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been in the financial industry since 1990 and focuses on understanding the needs of high-net-worth clients to help structure portfolios that pursue their specific objectives. Ken provides guidance through the complexities of financial markets, assisting clients such as physicians, entrepreneurs, and executives with their investment and retirement strategies. As a qualified Senior Portfolio Advisor, he manages custom investment strategies on a discretionary basis, selecting from a wide range of Merrill Lynch model portfolios and third-party investment options. Ken earned his Bachelor's degree in Business and Finance from San Jose State University and completed the Executive Education Program in Investment Management at the University of Chicago Booth School of Business. He holds several professional designations including Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Outside of his professional work, Ken participates in community volunteering aligned with Merrill's tradition of engagement. His personal interests include fishing, golfing, and traveling.

Donna Cirelli is a financial advisor with Primerica Advisors and holds the PFS™ designation and Series 63 license. She has 27 years of industry experience and also serves as a partner at Muller & Associates, a tax preparation and accounting firm. Donna has held roles at Primerica since 1999 and currently works part-time as a real estate agent with Century 21. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors as well as corporate and charitable clients. The firm employs model-driven investment strategies and operates with a network of nearly 3,700 advisors managing approximately $15.5 billion in assets under management.

James Moll is a financial advisor at Stifel with 40 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2011. Outside of his advisory work, he serves on the Board of Directors for Oroville Hospital, is president of the State Theater Arts Guild, participates on the City of Oroville Economic Loan Development Committee, and is the author of the novel "Sequoia Chronicles." Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, providing asset allocation and planning analyses intended as a basis for client decisions.