John Bittermann III is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes nine years at Franklin Templeton Investments and various roles outside finance such as positions at Shorebirds Brewing Company and Canyon Adventure Vans. 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 individuals, high-net-worth clients, pension plans, and charitable organizations.

Wesley Mac Donald is a financial advisor at Merrill with seven years of industry experience. He holds a Series 66 designation and has previously worked at UBS Financial Services, Bank of America, and other firms. Outside of his advisory role, Wesley operates an online retail business selling clothing and personal accessories, which also promotes awareness of the Scottish Gaelic language and Celtic culture. 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 individuals, high-net-worth clients, and institutional accounts.

Judy Ruiz is a financial advisor at Robert W. Baird & Co. in Roseville, CA, holding Series 63 and Series 65 licenses with 26 years of industry experience. She previously worked at Wells Fargo Advisors, LLC and Wells Fargo Clearing before joining Baird in 2020. She is part of The DDK Group, a team within Baird’s Private Wealth Management practice that serves individuals, families, pensions, corporations, and charitable organizations. The team offers customized financial planning and portfolio management services, utilizing both in-house and third-party managers across a range of traditional and non-traditional investment strategies.

Robert Logan is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and seven years of industry experience. He previously worked at TD Ameritrade and has background experience at Paradise Point Resort and Spa. 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 non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset model approach supported by centralized custody and operational infrastructure.

Lee Stipp is a financial advisor with Mass Mutual Investors Services in Roseville, CA, holding a Series 66 designation and four years of industry experience. He has worked with Mass Mutual Investors Services since 2021 and MassMutual Life Insurance Company since 2020. Outside of his advisory role, he is the owner and operator of a retail laser-etched glassware business. Mass Mutual Investors Services 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, using collaborative and software-supported approaches to develop written recommendations tailored to clients’ goals.

Andrew Dunnigan is a financial advisor with Morgan Stanley in Folsom, CA, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools supported by the Global Investment Committee’s return estimates and modeling techniques.

Ioana Rives is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds the Series 63 and Series 66 designations and has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Brendan Snyder is a financial advisor at LPL Enterprise with 15 years of industry experience and holds the Series 66 designation. His career includes roles at Prudential Insurance Company of America, Pruco Securities, LLC, BenefitFocus, and Axa Advisors, LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, model wealth portfolios, third-party asset management, and access to a range of brokerage and insurance products through an integrated platform.

Michael Bandy is a financial advisor at Edward Jones with a Series 66 license and one year of industry experience. His prior work includes roles at Liberty Tax Service, Steadfast Accounting Solutions, ServiceNow, Oracle Corp, and Hewlett Packard Enterprise. Outside of his advisory role, he owns and manages a rental property in Roseville, California. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices nationwide.

Joel Ducore is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 66 licenses. Prior to his current role, he has worked in various capacities within JPMorgan Chase Bank and J.P. Morgan Securities since 2012. Outside of his financial advisory work, Joel is a freelance trumpet player contracted for church and orchestral services. 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Ross Levine is a financial advisor with LPL Financial in Sacramento, CA, holding the ChFC® and Series 66 credentials and bringing 25 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, he plays music in a band and releases records on a small scale. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Nicholas Ogden is a financial advisor at Charles Schwab with seven years of industry experience. He holds a Series 66 designation and has previously worked at Edward Jones and Liberty Property Management. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and provides centralized custody, brokerage, and cash-sweep services.

Claudia Kane is a CFP®-certified financial advisor with 38 years of industry experience, currently affiliated with Raymond James Financial. Her career includes roles at Beacon Wealth Strategies and Cabi, and she has been involved with U.S. Rowing since 2019. She also works as an independent contractor financial advisor with Legato Financial. Raymond James Financial Services Advisors, Inc. provides comprehensive financial planning and investment consulting to individuals, high-net-worth clients, institutions, and nonprofits. The firm employs tailored, non-discretionary advisory services and supports its clients with advanced analytical tools and specialized programs, including municipal and public finance advisory services.

Christine Kovalek is a financial advisor at Wells Fargo Advisors with 19 years of industry experience. She holds the Series 66 designation and has worked within various branches of Wells Fargo since 2013. Outside of her advisory role, she serves as a co-trustee for a family trust. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser providing investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services tailored to clients who meet certain net-worth thresholds, supported by Wells Fargo's research and planning tools.

Jonathan Lee is a financial advisor with Robert W. Baird & Co. in Grass Valley, CA, holding Series 63 and Series 65 credentials and having 38 years of industry experience. He has been with Robert W. Baird & Co. since 2009. Outside of his advisory role, he is involved in several real estate partnerships and supervises commercial property management. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers tailored financial planning and portfolio management services, utilizing a range of investment strategies and overlay services to meet diverse client goals and risk tolerances.

Lorraine Carden is a financial advisor at OSAIC with 26 years of industry experience. She holds Series 63 and Series 65 credentials and previously spent 25 years with Lincoln Financial Advisors. In addition to her advisory role, she is also licensed as an insurance agent, offering various insurance products including disability, health, and life insurance. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools and automated rebalancing to manage diversified portfolios across different investment vehicles.

Sarah Miller is a financial advisor at Morgan Stanley in Roseville, CA, with seven years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2021, following positions at PRO Unlimited, Merrill Lynch, State Farm, and Verizon Wireless. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Nathan Leung is a financial advisor with Cambridge Investment Research Advisors in Sacramento, CA, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Cambridge Investment Research Inc. and Dick's Sporting Goods. Outside of advising, he is involved in tax services and insurance/benefits as a W2 employee and agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a wide range of clients, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent professionals, providing both discretionary and non-discretionary investment solutions across multiple platforms and strategies.

Mark Payne is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2017. Outside of his advisory role, he is an author of a publishing venture titled *Micro-Premie Macro-Love*. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations and secular return estimates as part of its financial planning process.

Rodney Rollins is a financial advisor with LPL Financial in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He previously worked at Next Financial Group Inc for 18 years before joining LPL Financial in 2025. Rollins also operates Rollins Wealth Enterprises, a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, research, and technology-driven investment approaches.