Terry Nilsen is a financial advisor with Charles Schwab in Sacramento, CA, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. His prior roles include positions at Morgan Stanley from 1995 to 2020 and E*TRADE from 2020 to 2023 before joining Charles Schwab in 2023. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and an integrated wrap fee platform supported by centralized custody and order-routing systems.

Kristy Mcgee is a financial advisor with Morgan Stanley in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. She has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs and financial planning services supported by proprietary tools and investment research, managing approximately $2.74 trillion in client assets.

Bridget Williams is a Series 66-licensed financial advisor with 20 years of industry experience. She has worked at J.P. Morgan Securities and J.P. Morgan Chase Bank since 2019 and previously spent over a decade at Wells Fargo Clearing and Wells Fargo Bank. Based in Sacramento, CA, she serves clients through J.P. Morgan Securities LLC, which provides institutional consulting services including asset allocation advice, investment manager searches, and customized performance reporting to corporations, foundations, and defined contribution plan sponsors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Blake Fanshier is a financial advisor at Charles Schwab with a Series 66 designation and approximately one year of industry experience. He has previously worked at Equitable Advisors and Charles Schwab Bank. Outside of his advisory role, Blake coaches youth volleyball, including positions with the Aspire Volleyball Club and as an assistant coach for Christian Brothers High School girls volleyball. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment management combined with brokerage, custody, and financial planning services. The firm's scale and integrated structure support centralized supervision and diverse investment solutions.

Caitlan Bjornsen is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds a Series 66 designation and has been with J.P. Morgan Securities since 2015. Outside of her advisory role, she assists with bookkeeping and computer tasks for a landscaping business owned by her husband. 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. The firm delivers these services on a non-discretionary basis, combining large institutional advisory operations with broker-dealer and investment adviser registrations.

Alexandro Duran is a financial advisor at Fidelity with eight years of industry experience. He holds a Series 66 designation and has previously worked at LPL Financial, LLC, Strategic Wealth Advisors Group, LLC, and State Street. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves multiple registered investment companies and intermediary platforms.

Alec Prinze is a CFP® with seven years of industry experience and is currently with Raymond James Financial Services Advisors, Inc. He previously worked at Edward Jones and State Street Bank & Trust. Outside of his advisory role, Prinze is president of two support companies, Guidestone Wealth and Prinze Foundational Planning, Inc., both of which provide financial advising and asset management services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm provides tailored, non-discretionary advice using various analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Joshua Villarreal is a financial advisor with Merrill in Rancho Cordova, CA, holding a Series 66 designation and nine years at Merrill following six years at Bay Federal Credit Union, totaling 15 years of industry experience. 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 a range of clients including individuals, high-net-worth clients, and institutions.

Travis Barnhard is a financial advisor at Fidelity with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Merrill and Wells Fargo Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across mutual funds, ETFs, and ETPs.

K. Smith is a financial advisor at Osaic with 43 years of industry experience and holds a Series 63 license. Prior to joining Osaic in 2024, Smith spent nearly three decades with Securities America Advisors, Inc., beginning in 1995. Outside of advisory work, Smith owns Capital Financial Services, a tax preparation, tax planning, and insurance business. Osaic Wealth, Inc. serves a diverse range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing various asset-allocation tools and third-party platforms to construct and manage portfolios that include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Priti Dhanda is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding a Series 66 designation and 19 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. In addition to her advisory roles, she has been affiliated with San Francisco State University and Wells Fargo Bank for over two decades. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. 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.

David Nealon is a financial advisor with Edward Jones in Sacramento, CA, holding Series 63 and Series 66 designations and bringing 23 years of industry experience. He has been with Edward Jones since 2002. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients and managing approximately $1.01 trillion in assets. The firm offers a range of advisory programs and investment strategies, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Brian Neunzig is a CFP®-designated financial advisor with Morgan Stanley, based in Roseville, CA, with 32 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2012, including Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, providing 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 discovery processes and proprietary tools, including Monte Carlo simulations, to develop financial plans.

Lindsay Fawcett is a financial advisor with Wells Fargo Clearing, holding Series 65 and Series 63 licenses and bringing nine years of industry experience. She has worked at Wells Fargo and Wells Fargo Clearing since 2012. Outside of her advisory role, she serves as president of a homeowners association in Tampa, Florida. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

William Silva is a financial advisor at Ameriprise with 32 years of industry experience. He holds a Series 63 designation and has worked at Ameriprise and its predecessor firm since 1994. Outside of advisory work, he is involved in multi-family real estate ownership in Cloverdale, California. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver annual, non-discretionary recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Jose Huizar is a financial advisor at Edward Jones with one year of industry experience. He holds a Series 66 designation and previously worked for Child Advocates of Placer County for nine years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a wide range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Christopher Freehill is a financial advisor with LPL Financial in Folsom, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked with LPL Financial since 2010. Outside of his advisory role, he operates a motocross racing team through a business he owns called Moto ID. 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 financial planning, advisory programs, retirement plan consulting, and brokerage services, featuring discretionary and non-discretionary management supported by in-house and third-party research.

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.