Jay Rizk is a financial advisor with Ameriprise in El Dorado Hills, CA, holding Series 65 and Series 66 credentials and 14 years of industry experience. His prior roles include positions at Kestra Financial Services, Guild Mortgage Company, and Praxis Consulting. Outside of advisory work, he is a co-owner of RizkIt Images, a business focused on event and landscape photography and retail sales of photos. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides written recommendation reports and ongoing annual retirement-income planning advice emphasizing dependable income sources and tax-aware withdrawal strategies.

Robert Dewhurst is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and over 20 years of industry experience. His career has been primarily with Wells Fargo-affiliated entities since 2004. 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 services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Steven Liaty is a financial advisor with Wells Fargo Clearing in El Dorado Hills, CA, holding Series 63 and Series 65 licenses. He has 28 years of industry experience, including over a decade at Wells Fargo Clearing and seven years at Wells Fargo Advisors LLC prior to that. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Rodney Spradlin is a financial advisor at Cetera with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera and its affiliated entities since 2013. In addition to his advisory role, he operates American River Wealth Management as a DBA for his investment practice and serves as a representative involved in annuities. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a variety of portfolio management and advisory services through a multi-manager platform with access to both affiliated and unaffiliated third-party managers.

Russell Beal is a financial advisor with OSAIC Wealth Inc, holding a Series 66 designation and one year of industry experience. He is also a partner at Weston and Tuttle LLP, a tax and accounting firm serving small businesses and individuals, where he provides tax preparation, consulting, and other accounting services. Beal's prior experience includes roles at KBRB, Inc. and KPMG LLP. OSAIC Wealth Inc serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisors and advisory platforms. The firm offers integrated brokerage and advisory services and uses various asset-allocation and portfolio management tools to meet client investment needs.

Matt Erickson is a financial advisor with Cetera who holds the ChFC®, Series 63, and Series 65 designations and has 26 years of industry experience. He has been with Cetera and Cetera Wealth Services, LLC since 2013. Outside his advisory role, he is involved with fixed insurance products and operates under the financial services DBA American River Wealth Management. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of advisors and supports multiple investment program structures and third-party managers.

Mackenzie Miller is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, Miller worked eight years at Rapattoni Corporation and spent time at Retters Academy of Dance and as a full-time student. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Christopher Cottrell is a financial advisor with Osaic, holding the CFP® and Series 63 designations and bringing 10 years of industry experience. He has worked at Woodbury Financial Services and Questar Capital, and he is a partner at Hoppe & Cottrell LLP, a CPA and tax advisory firm serving individual and business clients. He is also a partner at Hoppe Cottrell Advisors LLC, involved in the sales and service of fixed insurance products. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and advisory services, employing asset allocation tools and offering portfolios that include a range of investment types managed on both discretionary and non-discretionary bases.

James Kirwan is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 licenses and bringing 50 years of industry experience. Prior to joining Ameriprise in 2020, he worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. He serves on the Board of Directors for the American Diabetes Association Nor Cal. Ameriprise offers retirement-income planning services targeting individuals with significant investable assets, combining research-driven, model-based recommendations with tax-efficient strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Craig Glackin is a financial advisor at Morgan Stanley in El Dorado Hills, CA, holding Series 63 and Series 65 licenses with 27 years of industry experience. He previously worked at Fidelity Investments and its affiliated entities from 2014 to 2025. 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 financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and market models.

Daniel Vetter is a CFP® with 28 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he is involved in youth baseball as an umpire and participates in product development and marketing for a baseball strike zone manufacturing business. He also serves on the oversight committee for a local homeowners association. 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 services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Larry Galia is a financial advisor at Cetera with 25 years of industry experience. He holds a Series 66 designation and has been with Cetera Wealth Services, LLC since 2013. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual clients, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Cristina Jurado Smith is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. 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 incorporates modern portfolio theory, with a notable inclusion of insurance-related investment options and bank deposit sweep programs.

Kristin Tangen is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. Their advisory process is driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among their investment offerings.

Stephen Merle is a financial advisor at LPL Financial with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Linsco Private Ledger since 2007. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management options.

Steve Charonis is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, he is involved in managing several real estate rental properties in California with his wife. 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 investment adviser representatives. The firm offers a wide range of advisory programs and financial planning services, providing both discretionary and non-discretionary management supported by research and third-party subadvisors.

James Bowman is a financial advisor at Edward Jones with two years of industry experience. He holds the Series 66 designation and previously worked with several State Farm agents before joining Edward Jones. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment strategies and affiliated products, managing approximately $1.01 trillion in assets through a nationwide network of over 23,700 financial advisors.

Julia Earle is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has been with LPL Financial since 2015. Outside of her advisory work, she is a musician with the Folsom Symphony Orchestra, a role she has held since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, advisory programs, and retirement plan consulting through a national network of investment adviser representatives.

Rocio Marticorena is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. Her background includes roles at Wells Fargo Bank NA, Wells Fargo Clearing Services LLC, JP Morgan Chase Bank, and JP Morgan Securities LLC. Outside of finance, she has affiliations with Lyft and Uber and previously worked in the restaurant industry. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser serving individuals, trusts, and institutions. The firm offers a broad range of financial planning services tailored to clients who meet certain net-worth criteria, using proprietary research and tools to develop recommendations.

David Stoddard is a financial advisor with Edward Jones in Cameron Park, CA, holding a Series 66 designation and seven years of industry experience. He has been with Edward Jones since 2018 and coaches varsity boys swim at Ponderosa High School. Outside of advising, he is a 50% owner of a family-operated self-storage business in Billings, MT. 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 solutions supported by a nationwide network of more than 23,000 financial advisors.