Garrett Avila is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors, LLC and Wells Fargo Bank, N.A. Avila is based in Sacramento, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Maxwell Glasheen serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. In this role, he partners closely with clients to understand their unique financial situations and develop personalized strategies that address their specific goals. Maxwell focuses on areas including executive compensation, family wealth management strategies, and personal retirement planning, leveraging the global investment resources of Merrill and the banking solutions of Bank of America to implement these strategies. Maxwell holds a Bachelor's Degree in Liberal Arts from the University of Nevada, Las Vegas. 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). Maxwell is committed to working one-on-one with clients to create financial plans tailored to their long-term objectives. Outside of his professional responsibilities, Maxwell participates in community volunteer activities. His personal interests include golfing, reading, and woodworking.

Krista Brewer is a financial advisor with LPL Financial, holding a Series 66 designation and 24 years of industry experience. She has been with LPL Financial since 2005. Outside of her advisory work, she is involved in tax planning and preparation through her business, Behl Financial, based in Roseville, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, supported by research and model portfolios from LPL Research and third-party subadvisors.

Todd De Kellis is a financial advisor with Raymond James Financial, holding a Series 66 designation and 18 years of industry experience. His prior work includes roles at Cambridge Investment Research and Woodbury Financial Services. He also provides financial advice to clients of First Tech Federal Credit Union and Addison Avenue Investment Services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, institutions, and charitable organizations. The firm employs non-discretionary planning and analytical tools to tailor recommendations to client goals and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Michael Carter is a Senior Financial Advisor and Senior Vice President with Merrill Lynch Wealth Management. He opened the Roseville, California office of Merrill Lynch as the Resident Director in 1993 and has been associated with Merrill Lynch since 1975. Michael holds the Chartered Retirement Planning Counselor™ (CRPC™) designation from the College for Financial Planning Institutes Corp. and the Personal Investment Advisor (PIA) credential. Michael earned a Master’s Degree in Business Finance and a Bachelor’s Degree in History from the California State University system. Prior to his career in financial services, he served in the Marine Corps, attaining the rank of Captain. His advisory focus includes college education planning, family wealth management strategies, managing new wealth, personal retirement planning, and retirement income. Michael has also contributed to the community through roles such as serving on the Finance Committee of the Boy Scouts of America, Golden Empire Council, and as a founding charter member of the Stand Up 4 Financial Literacy campaign in the greater Sacramento area. Outside of his professional work, Michael resides in Granite Bay, California with his wife Marie. They are parents of two sons who graduated from the Folsom School District while Marie served on the Folsom Board of Education. His personal interests include adventure sports, gardening, running, skiing, and traveling.

George Barron is a financial advisor with Charles Schwab in Sacramento, CA, holding Series 63 and Series 66 licenses and 23 years of industry experience. He has been with Charles Schwab since 2014 and also has experience with Charles Schwab Bank dating back to 2010. Outside of his advisory work, he co-owns a rental property managed through an agency. 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 both non-discretionary and discretionary investment options, leveraging multi-asset model portfolios, alternative investment due diligence, and an integrated operational structure.

Marianne Santos is a financial advisor with Merrill in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. She has been with Merrill Lynch since 2007 and also worked at Bank of America, N.A. from 2024 to the present. 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 and profit-sharing plans, corporations, and charitable organizations.

Matthew Waldron is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on helping clients pursue their personal financial goals through customized strategies that prioritize their unique perspectives and priorities. His areas of expertise include college education planning, family wealth management strategies, legacy planning, personal retirement planning, and tax minimization. Matthew holds a Bachelor's Degree from the California State University System. He is a CERTIFIED FINANCIAL PLANNER™ (CFP®), a Chartered Retirement Planning Counselor™ (CRPC™), and a Personal Investment Advisor (PIA). These credentials reflect his commitment to professional standards in providing financial planning and retirement advice. Outside of his professional duties, Matthew enjoys playing soccer, golfing, and participating in triathlons. He is involved with the organization Vitalant and welcomes connections related to business, hobbies, or local community interests.

Andrew Marrach is a financial advisor at LPL Financial with 27 years of industry experience. He holds a Series 66 designation and previously worked for SCF Investment Advisors, Inc. and SCF Securities, Inc. for 10 years. Outside of advisory work, he is involved in non-variable insurance activities. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base, including individuals, retirement plans, and institutions. The firm offers a range of advisory programs and financial planning services, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Abigail DeWit is a Financial Consultant at Fidelity Investments, a position she has held since 2024. Prior to this role, she served as an Investment Consultant from 2023 to 2024 and as a Workplace Planning Consultant from 2021 to 2023, all within Fidelity Investments. In her current role, Abigail focuses on helping clients understand and have confidence in their unique financial plans, aligning with Fidelity's core commitments to financial education and strategy implementation. She holds a California Insurance License, which supports her work in providing comprehensive financial consulting services. Abigail's approach centers on educating clients on building and executing financial strategies that bring their personal goals to life. Outside of her professional pursuits, Abigail has interests in fitness, outdoor adventures, puzzles, volunteering, and yoga.

Jonathan Green is a financial advisor at Wells Fargo Advisors with six years of industry experience. He has held various roles within Wells Fargo and its affiliates since 2011. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services tailored to clients meeting certain net-worth criteria.

Neil Fluken is a CFP® professional with 25 years of industry experience. He has been with LPL Financial since 2020 and has previous experience at Sgc and Securian Financial Services. He is involved with SageCrest Wealth Management, an affiliated business under LPL. LPL Financial serves a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm provides a range of advisory and brokerage services supported by research, model portfolios, and technology-driven investment strategies.

Danh Truong is a financial advisor at Merrill with six years of industry experience and holds a Series 66 designation. He has worked at Merrill and Bank of America since 2018. Outside of his advisory role, Truong serves as a caretaker for the In-Home Supportive Services program, a government caretaker initiative. 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 variety of individual and institutional clients.

Donald Coombs Jr. is a financial advisor at LPL Enterprise with a Series 66 credential and two years of industry experience. His prior work includes roles at Transamerica Financial Advisors, Wfgia, Homwowners Financial Group USA, Jmac Home Loans, and Bank of America. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering advisory and brokerage services such as financial planning, model portfolio management, and access to a range of brokerage and insurance products through its integrated platform.

Michelle Burson is a financial advisor at Fidelity with nine years of industry experience. She holds the Series 66 designation and previously worked at Merrill Lynch Pierce Fenner & Smith and Bank of America, N.A. before joining Fidelity. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, and it is noted for its use of systematic methodologies and involvement in commodity pool operations.

Titus Garrett is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 66 credentials and has worked previously at Woodbury Financial Services, Inc., Questar Asset Management, and Woodmen Accident & Life Co., where he has also been involved in life insurance sales. Garrett serves as the owner and trustee of the Garrett Family Trust. OSAIC serves a broad mix of retail and institutional clients, providing integrated brokerage and investment advisory services through a large network of affiliated advisers. The firm utilizes asset-allocation tools and multiple investment platforms to construct portfolios including stocks, bonds, mutual funds, ETFs, and alternative investments.

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 based in the Roseville, California office of Merrill Lynch Wealth Management. She holds professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Retirement Planning Counselor™ (CRPC), and Certified Plan Fiduciary Advisor (CPFA). Julie focuses on delivering comprehensive financial advice tailored to the individual needs and values of her clients. She specializes in retirement planning, liability and insurance management, and investment selection. Julie works closely with high net worth clients, businesses, nonprofit organizations, endowments, and foundations to develop coordinated financial strategies that align with their personal and professional objectives. Her approach involves thorough, ongoing reviews to ensure strategies remain aligned with clients' evolving goals and circumstances. Julie earned her Bachelor of Fine Arts degree from the University of Arizona in 1988 and began her career in Graphic Design before joining Merrill Lynch in 1991. She has lived in the Sacramento region since then and participates in her local community, including serving on the Board of Directors at her daughter's former school. Julie currently resides in Granite Bay, California.