Kathlyn Pierce is a financial advisor with Primerica Advisors in Sacramento, CA, holding Series 63 and Series 66 licenses and 14 years of industry experience. Her prior roles include positions at Pruco Securities LLC, the Prudential Insurance Company of America, and PFS Investments, Inc. She is also involved with affiliated companies in the sale of loan products and home-related services referrals. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap fee structure for its investment solutions.

Jonathan Brady is a financial advisor with LPL Financial and holds Series 63 and Series 65 licenses. He has 29 years of industry experience, including prior roles at Cetera Wealth Services, Securities America, and National Planning Corporation. He is also a commissioned notary public. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a broad network of investment adviser representatives. The firm offers a range of financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies.

Giogenes Antolin Sr. is a financial advisor with Primerica Advisors in Sacramento, CA, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has been with Primerica Advisors since 2012 and Primerica Financial Services since 2012. Outside of advisory work, he is involved in sales of loan products and home-related services through affiliated companies such as Primerica Mortgage, LLC and Primerica Client Services, Inc. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which offers model-delivery strategies and selected 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.

Xue Zheng is a financial advisor with Charles Schwab & Co., Inc., holding Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Schwab in 2025, Xue worked at Bank of America, Merrill, and HSBC. Outside of advisory work, Xue owns and manages several rental properties. 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 with access to affiliated discretionary SMAs, offering multi-asset model portfolios and a centralized operational structure.

Scott Wullenwaber is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Prior to joining Fidelity, he held roles at Arete Wealth Planning, Ameriprise, and Trinity Wealth Advisors. Outside of the financial industry, he owns and operates a video production business called Shots with Scott and has worked as a restaurant waiter at Leatherby's Family Creamery. Fidelity, through its affiliate Strategic Advisers LLC, offers investment management and advisory services to a broad client base, including retail and institutional investors. The firm's investment process combines fundamental research with quantitative analysis and systematic portfolio construction, utilizing model portfolios made up of mutual funds, ETFs, and ETPs.

Harlan Van Vooren is a financial advisor with Robert Baird & Co. in Auburn, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009. He is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, corporations, and charitable organizations. The group offers customized financial planning and portfolio management services, utilizing a range of strategies from traditional equity and fixed-income to more complex allocations, and provides both discretionary and non-discretionary management options.

Theresa Schnetz is a financial advisor with Raymond James & Associates in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. She previously worked for Merrill for 15 years before joining Raymond James in 2025. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser with approximately $501 billion in assets under management. The firm serves a diverse client base, including individuals, institutions, and municipal entities, providing tailored financial planning and investment consulting through a range of portfolio management styles and affiliated research.

Ronald Segon is a financial advisor at Cetera with 22 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at firms including LPL Financial, Next Financial Group, and Calton & Associates. He is involved with Sierra Ridge Wealth Management, a DBA related to his advisory business. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm provides a range of portfolio management and financial planning services through a multi-manager platform with options including model portfolios, third-party managers, and bespoke strategies.

Vanessa Ray is a financial advisor at Merrill with Series 63 and Series 66 licenses and three years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Bank. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Robert Ferriman III is a financial advisor with Robert W. Baird & Co. in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Robert W. Baird since 2009. Outside of his advisory role, he serves as Chairman of the Finance Committee for Arts and Culture El Dorado. Robert W. Baird & Co. is an institutional firm serving individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations through a range of financial planning, portfolio management, and advisory services. The firm offers a mix of manager-traded and model-traded strategies, tax-management capabilities, and ongoing manager selection supported by internal research, serving approximately $394 billion in regulatory assets under management as of December 31, 2025.

Jarett Liddicoat is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining Merrill Lynch in 2004, he has focused on developing long-term financial advisory relationships tailored to each client's unique goals, risk tolerance, and time horizon. He provides a range of financial and investment services including wealth management, retirement planning, college planning, and portfolio management, supported by in-depth research and specialized resources. His client focus areas include divorce transition planning, education planning, family wealth management strategies, socially responsible and ESG investing, retirement income, and small business strategies. Jarett holds Bachelor's of Science degrees in Exercise Physiology from the University of California at Davis and Nursing from St. Mary's/Samuel Merritt College. He is FINRA Series 7 and 66 registered, holds life and health insurance licenses, and has earned professional designations such as Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Prior to his financial advisory career, he spent eight years as a critical care and trauma nurse. Jarett and his wife Leanne, who is a partner in a local optometric practice, have been longtime residents of the Granite Bay area before relocating to Newcastle in 2018. They are active members of Bayside Church, where Jarett volunteers with a special needs group, reflecting his commitment to community involvement. He is also a father of twin daughters born in 2008 and enjoys a variety of personal interests including billiards, football, golfing, music, table tennis, tennis, volleyball, watching movies, woodworking, and spending time with his family.

John Pruess is a financial advisor at UBS Financial Services with 27 years of industry experience. He holds Series 63 and Series 66 credentials and has been with UBS since 2015. Based in Sacramento, CA, he provides services through one of the largest financial advisory firms. UBS Financial Services serves individual, corporate, and institutional clients offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, operating as a broker-dealer, investment adviser, and futures commission merchant.

David Aton is a CFP®-designated financial advisor with 29 years of industry experience. He has been with Ameriprise since 2005, currently serving clients through its Roseville, CA office. Outside of advisory work, he is involved in independent insurance brokering, including life and health insurance products. Ameriprise offers a retirement-income planning service tailored to individuals nearing or in retirement with significant investable assets. The firm’s approach combines research, modeling, and tax-efficiency analysis to provide non-discretionary recommendations through a centralized consulting team, emphasizing managed accounts and algorithmic support in its planning process.

Raneeta Singh is a Financial Consultant at Fidelity Investments, a position she has held since 2023. She has accumulated extensive experience in the financial services industry, having worked as a Financial Advisor at Wells Fargo & Company in 2022 and at Merrill Lynch Pierce Fenner & Smith Incorporated from 2019 to 2022. Prior to these roles, she served as a Premier Banker at Wells Fargo & Company from 2014 to 2019. Raneeta holds a master's degree in Business Management, which, combined with her years of industry experience, equips her to effectively guide clients in achieving their financial goals. She holds a California Insurance License, supporting her professional capacity in the financial sector. Growing up as an immigrant in an underserved community, Raneeta developed a passion for financial education aimed at helping individuals pursue their objectives. Outside of her professional work, she enjoys motorcycles, music, outdoor adventures, parenthood, and traveling.

Daniel Alcantar is a Series 66 licensed financial advisor with Wells Fargo Advisors, based in Roseville, CA. He has nine years of experience with Wells Fargo Clearing Services LLC and over two decades with Wells Fargo Bank, NA. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients meeting certain net-worth thresholds, including specialized areas such as business-owner transition and special-needs planning.

Joseph Cronin Jr. is a Senior Financial Advisor and partner at The Lucas Cronin Group within Merrill Lynch Wealth Management. He specializes in retirement planning, fiduciary strategies through the Merrill Investment Advisory Program, and personalized wealth management services tailored for business owners, executives, institutions, and families. Through his role, he helps clients simplify and integrate all aspects of their financial lives, providing access to Bank of America's banking services and delivering customized strategies focused on clarity, transparency, and long-term relationships. Joseph holds a Bachelor's Degree from San Jose State University and has earned several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His expertise centers on retirement planning, investments, and comprehensive financial strategies. Outside of his professional duties, Joseph is actively involved in the community, participating with organizations such as the Rocklin Chamber of Commerce, Rocklin Youth Soccer Club, Sutter Roseville Medical Center Professional Advisors Council, Whitney Ranch Charitable Foundation, and Zafia's Family House. He enjoys golfing, ice hockey, soccer, traveling, and spending time with his family.

Kevin Thelen is a financial advisor with OSAIC in Roseville, CA, holding Series 63 and Series 66 designations and 18 years of industry experience. His prior firms include Woodbury Financial Services, BeYou Financial LLC, Genovese Burford & Brothers, and Ameriprise. He is a partner at Prospero Wealth Advisors, where he is involved in fee-based asset management and 401(k) business development. OSAIC serves a diverse client base, including individual investors, high-net-worth clients, pension plans, and corporations, offering integrated brokerage and advisory services through a large network of affiliated advisers and multiple platforms. The firm employs advanced asset-allocation tools and provides access to a wide range of investment products and third-party managers.

Liana Hovhannisyan is a Series 66-licensed financial advisor at Morgan Stanley with one year of industry experience. Her background includes roles at Franklin Templeton and positions in education at California State University, Sacramento and American River College. 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 tailored financial planning based on structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate-sponsored financial planning services.

Matthew Perkins is a financial advisor at LPL Financial with 11 years of industry experience. He holds the Series 66 designation and has worked at LPL since 2015. Perkins is also associated with Golden 1 Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a network of over 22,800 advisors.

William Carson is a financial advisor at OSAIC with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Jhfn Signator Investors, Inc. for 36 years before joining Royal Alliance Associates, Inc. In addition to advisory work, he operates two sole proprietorships as an insurance agent, each involving limited activity in life insurance and annuity policies. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and nonprofits. The firm provides integrated brokerage and advisory services using asset-allocation tools, risk assessments, and access to third-party managers, operating multiple platforms with discretionary and non-discretionary portfolio options.