Yousaf Zamanudin is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since beginning his financial services career in 2012, he has specialized in creating tailored wealth management strategies for clients, focusing on areas such as retirement planning, estate and legacy planning, corporate executive services, and personalized investment strategies. His approach involves understanding clients' individual financial situations and goals to develop comprehensive plans that address wealth transfer, portfolio management, charitable giving, and business succession. Yousaf holds professional designations including Certified Investment Management Analyst (CIMA), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). He earned accredited certificates from the Yale School of Management. He is involved in professional and community organizations such as the City of Sacramento Boards and Commissions and Junior Achievement of Sacramento, reflecting his commitment to community participation and service. Outside of his professional work, Yousaf pursues personal interests including adventure sports, biking, boating, chess, hiking, horseback riding, reading, running, and spending time with his family. He emphasizes a client-centered philosophy focused on working one-on-one to develop personalized financial strategies aligned with long-term goals.

Kevin Dedenbach is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 23 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. 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 IPS-driven investment approach includes a broad range of financial products and acts as an ERISA fiduciary when providing investment advice.

Toan Le is a CFP®-credentialed financial advisor with 19 years of industry experience. He has worked at OSAIC since 2018 and previously spent 12 years with Sii. In addition to his advisory role, he is engaged as an advisor at Pacific Financial Partners. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, and access to third-party money managers, using various tools and strategies to construct diversified portfolios.

Julie Small is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management in Roseville, California. She specializes in providing financial guidance focused on retirement planning, liability and insurance management, and investment strategies. Julie works closely with clients to understand their individual values, goals, risk tolerance, time horizon, and liquidity needs, enabling her to develop personalized financial plans and conduct ongoing reviews to ensure strategies remain aligned with client objectives and life changes. Her services extend to individuals, businesses, and not-for-profit organizations, including endowments and foundations. Julie holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Chartered Retirement Planning Counselor™ (CRPC®), and Certified Plan Fiduciary Advisor (CPFA®). She earned a Bachelor of Fine Arts degree from the University of Arizona in 1988 and transitioned from a career in graphic design to financial services when she joined Merrill Lynch in 1991. Residing in Granite Bay, California, Julie is involved in her local community through service on the board of her daughter’s former school. In her free time, she enjoys basketball, traveling, and spending time with her family.

Coreen Woehl is a financial advisor at LPL Financial with ChFC® and Series 66 credentials and four years of industry experience. Her career includes roles at Patelco Credit Union, MML Investors Services, MassMutual Life Insurance Company, Bank of America, Merrill Lynch, and CUSO Financial Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management and a variety of model portfolios and research.

Sean Herron is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. His prior roles include positions at JP Morgan Securities and Chase Investment Services Corp. Herron has ownership interests in rental properties in Penryn and Truckee, California. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering investment policy preparation, performance reporting, participant education, and discretionary investment management options tailored to plan objectives and demographics.

Eric Sasadeusz is a financial advisor with Charles Schwab, holding a Series 66 designation and three years of industry experience. He previously worked at Fidelity Brokerage Services and has owned Eric Sasadeusz Photography, a sole proprietorship specializing in photography and videography for small businesses, fashion shows, and weddings. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a range of advisory, brokerage, custody, and cash-sweep services through its Wealth Advisory wrap fee program and affiliated managed-account solutions. The firm combines non-discretionary advisory models with access to discretionary separately managed accounts and uses multi-asset portfolios supported by due diligence from its research center.

Tyler Brunst is a financial advisor at Wells Fargo Advisors with three years of industry experience and holds the Series 66 designation. His background includes roles outside finance, such as working at Quick Quack Car Wash since 2023 and teaching positions at Sierra College and local high schools and elementary schools from 2015 to 2023. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services that utilize proprietary research and tools, delivering tailored recommendations through meetings and written summaries.

Mireille Jraige is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 16 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2011 to 2016. Her career also includes a long tenure at Wells Fargo Bank, N.A. and experience with Promasys Corporation. 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 services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related investment options and bank deposit sweep programs.

John Witry is a financial advisor with J.P. Morgan Securities in Sacramento, CA, holding Series 63 and Series 65 credentials and 26 years of industry experience. He has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2012. In addition to his advisory role, he is also employed by JPMorgan Bank, which enables him to offer certain banking products and services. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting through a non-discretionary advisory model.

Julie Belles is a financial advisor at Osaic with six years of industry experience. She holds a Series 66 designation and has worked at firms including Lincoln Financial Advisors, Principal Life Insurance Company, and Almond Valley Wealth Management. Belles serves as a board member of Women in Insurance & Financial Services, a professional organization that supports women in the industry. Osaic Wealth, Inc. serves both retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, retirement consulting, and access to third‑party money managers, utilizing asset-allocation tools and automated rebalancing across a variety of investment types.

Wonwyne Hale is a financial advisor at Fidelity with three years of industry experience and holds the Series 66 designation. His prior roles include positions at The Golden 1 Credit Union, LPL Financial LLC, and World Financial Group. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage portfolios across multiple investment platforms.

Douglas Haskin is a Series 66-licensed financial advisor with 15 years of industry experience. He is currently with LPL Financial and Haskin Private Wealth Advisors, having previously worked at Wells Fargo Clearing and Bank of America, N.A. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by model portfolios and research from both internal and third-party sources.

Brendan Downard is a Series 66 licensed financial advisor with three years of industry experience. He is currently with Thrivent Investment Management and has previously worked at Merrill, Bank of America, J.P. Morgan Securities, and Edward Jones. Outside of his advisory role, he serves as treasurer and board member for Placer Theatre Ballet, a nonprofit youth ballet company. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients. The firm focuses on holistic, goal-based financial planning without discretionary trading authority and allows clients to combine planning with managed-account services under a consolidated billing option called WealthPlan.

Mey Saechao is a financial advisor with Merrill in Sacramento, CA, holding a Series 66 designation and 8 years of industry experience. She has been with Merrill since 2013. 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 including individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Waqas Khan is a Series 66-licensed financial advisor with 12 years of industry experience, currently working at Wells Fargo Clearing since 2025. His prior roles include positions at SAFE Credit Union and LPL Financial LLC, where he spent seven years, as well as experience with Nationwide Financial and Travis Credit Union. 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 manages approximately $671 billion in assets and integrates research from Wells Fargo Investment Institute along with third-party data to guide its investment approach.

Jason Howard is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. 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 and applying an ESG eligibility framework in its recommendations.

John Joyce is a financial advisor with OSAIC in Folsom, CA, holding a Series 66 credential and 16 years of industry experience. His previous roles include positions at Securities America Advisors and Wells Fargo Advisors Financial Network. Outside of his advisory work, he serves as the head JV water polo coach at Jesuit High School and is involved with the Sacramento Professional Advisors Network. OSAIC serves a wide range of clients, including retail and institutional investors, offering integrated brokerage and advisory services, customized portfolio management, and access to third-party money managers through a large network of affiliated financial advisors.

Zachary Catterlin is a financial advisor with LPL Financial in Citrus Heights, CA, holding a Series 65 credential and one year of industry experience. He has previously worked with Mariner Advisor Network and Strategic Wealth Advisors Group, among other firms. 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 individual and institutional clients nationwide. The firm offers financial planning and various advisory programs, employing both discretionary and non-discretionary management supported by in-house and third-party research.

Carrie Brewer is a financial advisor with Charles Schwab in Sacramento, CA, holding Series 63 and Series 66 designations and possessing nine years of industry experience. Her career includes roles at Wells Fargo Clearing and Wells Fargo Bank prior to joining Charles Schwab in 2021. 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 advisory relationships and access to discretionary separately managed accounts, supported by a multi-asset investment approach and centralized operational infrastructure.