Jacob Martinez is a financial advisor with Morgan Stanley in Folsom, CA, holding a Series 66 designation and three years of industry experience. His work history includes positions at Morgan Stanley Private Bank and Assurance IQ, as well as prior roles in the insurance sector. Martinez is also an independent insurance agent affiliated with United Health Care. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools and market simulations.

Ana Ramirez is a financial advisor at Cetera with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Cetera and Cetera Wealth Services since 2013. Ramirez is also the owner of Ana Ramirez Investments LLC, a financial services DBA, and is involved in fixed insurance sales focused on life and annuities. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services with multiple program structures and access to affiliated and third-party managers.

Ashley Orias Burkman is a financial advisor at Morgan Stanley with six years of industry experience. She has worked at Morgan Stanley since 2019 and previously spent five years at BMO Family Office, LLC. She holds a Series 66 designation. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Jeremias Deo Villagran is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing six years of industry experience. His prior roles include positions at Franklin/Templeton Distributors, Inc. and The Home Depot. Outside of finance, he is the owner of DV Construction, LLC, a construction business focused on roofing job referrals. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

Jeffrey Daft is a financial advisor with Robert W. Baird & Co. in Roseville, CA, holding a Series 63 designation and bringing 49 years of industry experience. He has been with Robert W. Baird since 2009. Outside of his advisory role, he is a partner in Daft Partners, jointly managing a cabin at Lake Tahoe with his brother. He is part of the DDK Group within Robert W. Baird’s Private Wealth Management practice, which serves individuals, families, pension plans, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services, including both discretionary and non-discretionary strategies, utilizing a combination of in-house and third-party managers.

Stansfield Fries III is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 registrations and bringing 32 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2008. Outside of his advisory role, Fries is also an independent insurance agent affiliated with various independent insurance companies. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension plans, charitable organizations, trusts, estates, and retirement-plan sponsors. The firm offers financial planning, investment management, retirement plan advisory, and financial wellness services through a network of independent financial professionals, employing a variety of portfolio management strategies across multiple custody and platform arrangements.

Haley Young is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, she held roles at several organizations including Colorado State University and Cuesta College, and was involved with the Swedish American Patriotic League. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, charitable organizations, and other institutional clients. The firm utilizes a variety of advisory models and third-party asset managers to tailor investment solutions to client needs.

Luke Cummings is a financial advisor with LPL Financial who holds a Series 66 designation and has 20 years of industry experience. He has been with LPL Financial since 2009 and previously worked at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Outside of his advisory role, he is involved with SAFE Financial Services, which provides investment, advisory, and insurance services. 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, employing a variety of investment approaches including model portfolios, third-party subadvisors, and customized strategies.

Dustin Buck is a financial advisor with LPL Financial in Fair Oaks, CA, holding Series 63, 65, and 66 licenses and bringing 20 years of industry experience. He previously worked at Ameriprise and Edward Jones before joining LPL Financial in 2015. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, with a platform combining broad financial products and oversight of substantial discretionary assets.

Nicholas Pulido is a financial advisor at Merrill with six years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes roles at JP Morgan Securities LLC and Bank of America, N.A. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Shane Holden is a financial advisor with Primerica Advisors in Rancho Cordova, CA, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has been with Primerica Advisors since 1998 and also has a long-term association with Primerica Financial Services beginning in 1996. Outside of advisory work, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-based strategies managed by unaffiliated asset managers and operates with approximately 3,698 advisors and $15.5 billion in assets under management.

Yiqing Sobon is a CFP®-designated financial advisor at Edward Jones with seven years of industry experience. Prior to joining Edward Jones in 2019, Sobon worked at Morgan Stanley and the U.S. Small Business Administration and was involved with the Sobon Wine Company, a family business in Plymouth, CA. Edward Jones is a full-service wealth management firm serving individual and institutional clients, managing approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Scott Motley is a Senior Financial Advisor with Merrill Lynch Wealth Management. Based in Northern California, he serves clients throughout the United States, focusing on planning and wealth management tailored to client priorities. He aims to deliver transparent communication and simplify complex financial topics while maintaining a disciplined and thoughtful approach to value investing. Scott has over 20 years of experience in financial advisory services, assisting professionals, educators, healthcare professionals, retirees, women, and families with special needs. His areas of focus include college education planning, divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, women and wealth, tax minimization, and retirement income. He holds a Bachelor's Degree in Finance with an emphasis in Investments and Financial Services from the University of Nevada, Las Vegas. Scott has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Additionally, he is an Eagle Scout recognized by the Boy Scouts of America.

Francois Marcus is a financial advisor at OSAIC with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Woodbury Financial Services and Questar Asset Management. Outside of his advisory roles, he is involved in resale activities through online sales. OSAIC serves a diverse client base including individual and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisors. The firm employs a variety of portfolio construction tools and supports both discretionary and non-discretionary account management.

Jeffrey White is a financial advisor with Fidelity in Granite Bay, CA, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. His prior work includes roles at Valic Financial Advisors, Allstate Insurance Company, Princor Financial Services Corporation, and Principal Life Insurance Company. 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 employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, including funds of funds and model portfolios delivered to intermediary platforms.

Michelle Fruit is a financial advisor with Edward Jones in El Dorado Hills, CA, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. She has been with Edward Jones since 2015 and also operates J.M. Fruit, Inc., a consulting business where she manages bookkeeping and light accounting tasks. Edward Jones is a full-service wealth management firm serving more than 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.

James Arnold is a Planning Consultant specializing in retirement planning. He emphasizes a client-focused approach, prioritizing listening to understand clients' goals and concerns to provide educational and reassuring guidance. James maintains a calm, empathetic, and transparent manner in his professional relationships and is committed to placing clients' interests first. Prior to his current role, James worked at Fidelity Investments as a Financial Representative from 2024 to 2025 and as a Relationship Manager from 2025 to 2026. He holds a California Insurance License.

Kevin Mounkes is a CFP® with 21 years of industry experience. He is currently with Wells Fargo Advisors and has previously worked within various Wells Fargo entities since 2012. Outside of his advisory role, he owns and operates a tax lien and tax deed real estate auction business. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services tailored to clients who meet certain net-worth criteria, utilizing proprietary research and tools to develop personalized recommendations.

Lee Fields is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. He has worked with Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, he serves as a trustee for his father. 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 options. The firm’s approach is IPS-driven and incorporates a range of investment vehicles, including insurance-related products and bank deposit sweep options.

Heather Crawford is a financial advisor at Merrill with Series 63 and Series 66 designations and 31 years of industry experience. She has been with Merrill and Bank of America since 2009. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.