Christina Krug is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and bringing 12 years of industry experience. She previously worked at Wells Fargo Advisors for 13 years and is currently associated with Legacy Wealth Management in a support role. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional entities. The firm offers tailored, non-discretionary planning and consulting using risk profiling and analytical tools, and maintains specialized services such as municipal advisory and SIMPLE IRA Employer Advisory programs.

Jayalalitha Ramamurthy is a financial advisor with Charles Schwab, holding a Series 66 designation and 19 years of industry experience. She previously worked at Wells Fargo Clearing from 2011 to 2019 before joining Charles Schwab in 2019. Outside of her advisory role, she is a co-owner of SIMBIZSOLUTIONS, a technology consulting company originally incorporated for tax purposes. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 combines a primarily non-discretionary client relationship model with access to affiliated discretionary separate managed accounts and offers a multi-asset investment approach supported by in-house research and alternative investment options.

Tracy Gunter is a CFP® professional with 18 years of industry experience, currently serving as a financial advisor at Edelman Financial Engines. Prior to joining Edelman Financial Engines, she worked at Smart Investor for 11 years. Edelman Financial Engines provides technology-enabled investment advisory services primarily focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and supports a large participant base through advisor-led and online offerings.

Briggs Matsko is a CFP® professional affiliated with OSAIC and has 49 years of industry experience. He worked at Lincoln Financial Advisors Corporation for 48 years before joining OSAIC in 2025. Matsko co-authored a book titled "Mastering Your Financial Success" and operates a consulting business providing process-led income distribution planning for financial services firms. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs. The firm employs various asset-allocation and portfolio management tools and supports multiple advisory platforms and legacy program transitions.

Matthew Hagans is a CFP® with 22 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC for seven years. Outside of his advisory role, he is an assistant water polo coach at Westpark High School in Roseville, CA. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broader set of financial product options, such as insurance-related vehicles and bank deposit sweep programs.

Charley Roberts is a financial advisor with Cetera and holds Series 63 and Series 65 licenses. He has 26 years of industry experience, including roles at LPL Financial, Next Financial Group, and Valic Financial Advisors. Outside of his advisory work, Roberts is also active as an artist and musician. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers diverse portfolio management and financial planning services, operating a multi-manager platform that supports a range of investment strategies under various program structures.

Tami Couch is a financial advisor with Morgan Stanley in Sacramento, CA, holding a Series 66 designation and four years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2019 and previously worked at Wise Auto Group and Momentum Auto Group. Morgan Stanley Wealth Management serves both individual and institutional clients, offering 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 provides services through Financial Advisors and its Estate Planning Strategies Group.

Rick Hansen is a financial advisor with Robert W. Baird & Co. in Roseville, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with Robert W. Baird since 2009. His other business activities include ownership of real estate rental properties. He is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management department that serves individuals, corporate clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of financial planning, portfolio management, and brokerage services, utilizing manager-traded and model-traded strategies with ongoing manager selection and use of internal research tools.

Michael Garner is a financial advisor at Wells Fargo Advisors with 26 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Morgan Stanley. He serves as treasurer for the Placer Food Bank in Roseville, California. Wells Fargo Advisors Financial Network offers investment and fee-based financial planning services to individuals, trusts, and institutional clients, providing a broad range of planning options supported by Wells Fargo research and tools.

James Feliz is a financial advisor at Ameriprise with seven years of industry experience. He holds a Series 66 designation and has worked at Ameriprise since 2025, following five years at Mass Mutual Investors Services and MassMutual Life Insurance, and three years at Clavis. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on tax-aware withdrawal strategies and dependable income sources for clients in or approaching retirement.

Drew Gee is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has five years of industry experience, including roles at MassMutual Life Insurance Company and various MassMutual affiliates since 2019. Prior to his financial advisory career, he worked at Saint Mary's College of California in both the Athletic Department and other capacities. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring client engagements as annual collaborative relationships focused on goal analysis and written recommendations.

Melvin Whitlock Jr. is a financial advisor with Primerica Advisors in Rancho Cordova, CA, holding Series 63 and Series 65 licenses and having 12 years of industry experience. He has been with Primerica Advisors since 2013 and is also involved with the California Transplant Donor Network. Outside his advisory role, he participates in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Robert Baggett is a Series 66 licensed advisor at Merrill with 12 years of industry experience. His prior roles include positions at Fisher Investments and Bank of America. He has been with Merrill since 2014, returning in 2021 after a brief period elsewhere. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Briana Wentworth is a Financial Consultant at Fidelity Investments, a role she has held since 2025. Prior to this, she served as a Financial Consultant 1 at Fidelity Investments from 2024 to 2025 and as a Planning Consultant from 2022 to 2024. She began her career in financial services as a Personal Banker at Wells Fargo in 2015, advancing to Senior Relationship Banker at Wells Fargo & Wells Fargo Advisors by 2018, and later taking on the role of Relationship Manager at Fidelity Investments in 2021. Throughout her career, Briana has focused on comprehensive financial planning, working closely with clients to create tailored financial roadmaps and assist with important financial decisions. She holds a California Insurance License, which supports her expertise in the financial advisory field. Outside of her professional role, Briana enjoys activities such as board games, camping, attending concerts, social events with friends, music, and traveling.

Patricia Hawkins is a financial advisor at UBS Financial Services with 20 years of industry experience. She holds a Series 66 designation and has been with UBS since 2014. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides tailored financial planning and portfolio management supported by proprietary research and model-based asset allocations.

Timothy Mcdonald is a financial advisor with Morgan Stanley in Sacramento, CA, holding Series 63 and Series 65 credentials with 46 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and with Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and modeling techniques.

Nickolas Gould is a financial advisor with LPL Financial based in Sacramento, CA, holding a Series 66 designation and 19 years of industry experience. His career includes roles at California Bank & Trust, Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank. Outside of his advisory work, he engages in online sales. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management options, leveraging model portfolios and research from multiple sources.

Li Qi Huang is a financial advisor at Equitable Advisors with one year of industry experience and holds the Series 66 designation. Prior to joining Equitable Advisors, Huang was involved with the League of Legends Club and IntelliBricks during his time at the University of California, Davis. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and various asset-management programs through a broad network of Investment Adviser Representatives and third-party advisory platforms.

Laura Filice is a financial advisor with Wells Fargo Clearing, holding a Series 66 credential and nine years of industry experience. She has been with Wells Fargo Clearing since 2016 and also has over 20 years of experience in group health insurance. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services grounded in modern portfolio theory. The firm’s advisory process is IPS-driven and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Scott Matzoll is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on family wealth management strategies, liquidity management, individual and corporate investment strategy, and retirement income. Scott's approach involves helping clients uncover what matters to them and their families to create strategies aimed at pursuing their financial goals. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) professional designations. Scott earned a Bachelor's Degree from the University of San Francisco and completed an Accredited Certificate Program through the California State University System. Outside of his professional work, Scott engages in adventure sports such as hiking, rock climbing, running, skiing, and tennis. He is also involved in his community as a Business Liaison for Helping Hands Orangevale.