Michael Demko is a financial advisor with Allworth Financial, L.P. and holds a Series 63 designation. He has 26 years of industry experience, including prior roles at Siena Wealth Management, Inc. and LWI Financial, Inc. He is the owner of Demko & Associates, Inc., an S-Corp formed in 2011 related to a tax preparation practice he managed until 2013. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm employs customized portfolios using various model strategies and offers both discretionary and non-discretionary asset management along with financial planning and retirement plan consulting.

Peter Abi Nader is a CFP® with 16 years of industry experience, currently serving as a financial advisor at Allworth Financial, L.P. in Folsom, CA. Prior to joining Allworth Financial in 2022, he spent six years with Pennington Financial Group. Allworth Financial is a fee-based SEC-registered adviser that serves individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio management using a range of model strategies and employs technology to manage held-away employer retirement accounts.

Quinn Carlsen is a CFP® professional with five years of industry experience currently with Allworth Financial, L.P. in Folsom, CA. Prior to joining Allworth, he held positions at State Street, Lagunitas Brewing Company, Get Fit Davis, and Morgan Stanley. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm uses customized portfolios, including model strategies such as core-satellite allocations and defined-outcome ETFs, and manages privately offered funds while offering both discretionary and non-discretionary asset management.

James Monroe is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and over 42 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, Monroe owns a rental property in Placerville, California. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory options. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Andrew Scarry is a financial advisor with Wells Fargo Clearing in El Dorado Hills, CA, holding Series 63 and Series 66 licenses and 12 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC and Wells Fargo Bank NA, where he has been employed since 1999. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment menus.

David Nelson is a financial advisor at Wells Fargo Clearing in El Dorado Hills, CA, holding a Series 66 designation with eight years of industry experience. He has been with Wells Fargo Clearing since 2018 and previously worked at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s 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 in its investment menus.

Andrew Peterson is a financial advisor with Wells Fargo Clearing in El Dorado Hills, CA, holding a Series 66 designation and 21 years of industry experience. He has worked with Wells Fargo Advisors LLC before joining Wells Fargo Clearing in 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individuals, corporations, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources to support its investment approach.

Brian Olmstead is a CFP® professional with 28 years of industry experience, currently serving at Cetera since 2023. He has been affiliated with Cetera Wealth Services, LLC since 2013. Outside of his advisory role, Olmstead is the owner of Mammen Financial Services Inc., a corporation involved in fixed insurance sales, life, and annuities, where he also manages corporate administrative tasks and produces an informational newsletter. Cetera Investment Advisers LLC is an SEC-registered firm serving 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 multi-manager platform with various program options and custodial relationships.

Matthew Hilliker is a financial advisor with Wells Fargo Clearing in El Dorado Hills, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC for five years. He serves as co-trustee for his father's investment-related trust. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, with an emphasis on research-based investment selection and a broad range of financial products through affiliated entities.

Stephen Swarbrick is a financial advisor at OSAIC with 32 years of industry experience. He previously worked at Woodbury Financial Services and Questar Asset Management. Swarbrick serves as a board member of the Bright Water Foundation, a nonprofit organization. OSAIC serves a broad mix 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, retirement plan consulting, and access to third-party money managers, employing asset-allocation tools and automated rebalancing to construct diversified portfolios.

Deborah Brandao is a financial advisor at Wells Fargo Clearing with three years of industry experience. She holds the Series 66 designation and has worked at Wells Fargo Clearing since 2021. Prior to her current role, she was employed at Sac State PD and Contra Costa Sheriff's Department. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related investment options alongside traditional products.

Cassandra Heald is a financial advisor at RBC Capital Markets with a Series 66 designation and three years of industry experience. Prior to joining RBC Capital Markets in 2021, she worked at Audacy, Inc. and CBS Radio for a combined ten years. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers a range of advisory programs with customizable portfolio management and planning services, utilizing both in-house and third-party investment managers.

Gregory Anderson is a financial advisor with Wells Fargo Clearing in El Dorado Hills, CA, holding a Series 66 designation and 21 years of industry experience. He has worked at 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 advisory options. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options, than is typical for large institutional advisers.

Samuel Hoppe is a Series 66-licensed financial advisor with 19 years of industry experience. He is currently with OSAIC and has previously worked at Woodbury Financial Services and Questar Asset Management. In addition to his advisory work, he is a partner in a CPA tax practice providing tax consulting and preparation services. Osaic Wealth, Inc. serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services through a large network of advisers. The firm utilizes asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios across multiple asset classes, supporting both discretionary and non-discretionary account management.

Dal Youn is a financial advisor with Wells Fargo Clearing in El Dorado Hills, CA, 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. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics to support investment decisions and retirement plan services.

Samantha Coons is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing five years of industry experience. Her work history includes roles at J.P. Morgan Securities since 2020 and JPMorgan Chase Bank, N.A. since 2015. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Suzanne O'Neal is a financial advisor with Edward Jones in Cameron Park, CA, holding a Series 66 designation and bringing 10 years of industry experience. She has been with Edward Jones since 2016 and previously worked at the YMCA of San Diego County for 11 years. 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 under management and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Stephen Erickson is a CFP® professional with 25 years of experience in the financial services industry. He is currently with Cetera, where he has worked since 2013. Erickson is the owner of Mammen Financial Services Inc, a corporation involved in investment-related activities, and also engages in fixed insurance sales including life and annuities. Cetera Investment Advisers LLC operates a nationwide network of independent advisors serving individual, employer-sponsored, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and retirement services through a multi-manager platform, providing access to affiliated and unaffiliated investment options across multiple program structures.

Jeffrey Wood is a CFP®-designated financial advisor with 16 years of industry experience, all of which has been with Edward Jones since 2010. He is based in Cameron Park, CA, and holds a Series 66 license. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors, offering a range of advisory programs and investment solutions under a fiduciary standard.

Walter Mccurdy is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of his advisory role, he serves as a power of attorney for a family member. 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 advisory approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.