Ronald Mammen is a CFP® with 53 years of industry experience and is currently affiliated with Cetera. He has been with Cetera Wealth Services, LLC since 2013 and now works at Cetera. He is the owner and president of Mammen Financial Services Inc., where he oversees corporate responsibilities and produces an informational newsletter. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers through a multi-manager platform.

Chris Tryforos is a financial advisor at Wells Fargo Advisors with 30 years of industry experience. He holds a Series 63 designation and has previously worked at Cetera and Cetera Advisor Networks LLC. Outside of his advisory role, he serves as a trustee for a special needs trust for his siblings. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, education, and special-needs analysis. The firm uses proprietary research and tools to develop tailored recommendations, which clients can implement through advisory or brokerage programs.

Andrew Fass is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has previously worked at Avantax and Hilltop Securities and has served as an arbitrator for FINRA since 2015. Fass is a member of the Board of Standards for the International Federation for Retirement Education and serves as chairman of the Insurance and Financial Services Committee for the Reserve Officers Association. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to a multi-manager platform with a variety of investment strategies and program options.

Kevin Martin is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He previously worked for Cantella & Co., Inc. for 28 years before joining Cambridge in 2022. Outside of his advisory role, he is involved with Alpine Wildfire Service, where he has been active since 1987. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers comprehensive financial planning and investment management services through a broad network of independent professionals, utilizing both proprietary and third-party strategies tailored to client objectives.

Edoardo Bassi is a financial advisor with J.P. Morgan Securities in Sacramento, CA, holding Series 63 and Series 65 licenses and seven years of industry experience. Prior to his current role, he worked at firms including Citigroup and Franklin Templeton Investments. He also serves as a Senior Airman and Personnel Specialist with the U.S. Air Force Reserve, performing human resources administrative duties. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Dusharme Thomas is a financial advisor at Fidelity with 26 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has worked at firms including Prudential Insurance Company of America, Cambridge Investment Research, and DLT Wealth Advisory Services. He has served as treasurer for the Sacramento Area Black Caucus, assisting in closing down the organization. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Dallas Watson is a Financial Consultant currently working at Fidelity Investments since 2020. In this role, he assists clients in pursuing their lifetime financial goals through a structured three-step process that includes understanding each client's individual situation, creating a tailored financial plan, and reviewing strategies based on that plan. Prior to his current position, Dallas held roles as a Financial Solutions Advisor at Bank of America Merrill from 2016 to 2020, a Life Insurance agent at Family First Life in 2015, and a Financial Advisor at Edward Jones from 2014 to 2015. He holds insurance licenses in Arkansas and California. Outside of his professional career, Dallas has interests that include family activities, fishing, military service, motorcycles, outdoor adventures, and swimming.

Edward Alexander is a financial advisor with Ameriprise in Reseda, CA, holding Series 63 and Series 65 credentials and 10 years of industry experience. He has worked at Ameriprise and its affiliated entities continuously since 2016, with a brief period of unemployment in 2018. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement income advice, primarily serving clients with substantial investable assets.

Jennifer Littlefield is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and 13 years of industry experience. She has been with Equitable Advisors since 2013, including its predecessor AXA-Advisors, LLC. She is also the owner of IWM Advisors LLC. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and asset-management programs. The firm delivers services through a network of Investment Adviser Representatives, utilizing a range of firm-offered and third-party advisory programs.

Anthony Lombardi is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 12 years of industry experience. He has been with LPL since 2014 and also has a longstanding role at Golden 1 Credit Union, dating back to 2013. Outside of his advisory work, he is involved with Golden 1 Investment Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of financial planning and investment management services, utilizing diverse strategies and advisor-support tools across a large network of advisers.

Saxton Barrett is a financial advisor with LPL Financial in Sacramento, CA, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. He has worked at LPL Financial since 2010, following positions at Morgan Stanley and Citigroup Global Markets. Barrett also operates Barrett Wealth Management, LLC, a business related to his advisory services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools and a broad array of non-advisory financial activities.

Yoil Awabdeh is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley Private Bank, National Association from 2015 to 2019. Awabdeh has been with Wells Fargo Clearing since 2019, based in El Dorado Hills, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Chris Blanchfield is a financial advisor with Morgan Stanley in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs structured planning tools and investment modeling to support client strategies and manages approximately $2.74 trillion in assets.

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 Guild Mortgage Company, Kestra Financial Services, and Praxis Consulting. Outside of financial advising, he co-owns RizkIt Images, a photography and retail sales business specializing in event and landscape photography. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Thomas Qvistgaard is a financial advisor with UBS Financial Services in Sacramento, CA, holding a Series 63 designation and 34 years of industry experience. He has been with UBS since 2004. Outside of his advisory role, he manages several residential rental properties in Boise, Idaho. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, leveraging proprietary research and capital market insights to tailor client strategies.

Lo Oliveira da Silva is a Financial Consultant at Fidelity Investments, a position held since 2026. In this role, Lo focuses on helping clients understand their financial situations and collaborates with them to create plans aligned with their retirement goals. Lo has been with Fidelity Investments since 2022, progressing through roles including Financial Representative, Relationship Manager, and Investment Consultant. Lo holds a California Insurance License. Outside of work, Lo has interests in camping, food, spending time at the lake, parenthood, pets, and surfing.

Manraj Dhillon is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2022. In this position, he partners with clients to understand their financial goals and develops customized plans tailored to their unique needs. Prior to this, he worked as a Financial Advisor at Merrill Lynch from 2018 to 2022 and as a Relationship Manager at Bank of America from 2016 to 2018. His professional experience spans financial consulting, advisory, and relationship management roles in the financial services industry. Manraj holds a California Insurance License, supporting his expertise in financial planning and insurance products.

Kirk Buber is a financial advisor at Raymond James Financial with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Wells Fargo and U.S. Bancorp Investments. He also assists financial advisors in administrative roles at Addison Avenue Investment Services, a division of First Tech Federal Credit Union. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm emphasizes tailored, non-discretionary planning using risk profiling and modeling tools and supports municipal and public finance work through a unique municipal advisor affiliation.

Christopher Paydock is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Securities America Advisors, LPL Financial, and National Planning Corporation. He also operates under the DBA Sunset Wealth Advisors. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, employing asset-allocation tools and third-party money managers to construct and manage portfolios across various investment types.

Kenneth Clevenger is a financial advisor with Wells Fargo Clearing and has 18 years of industry experience. He holds a Series 66 designation and previously worked at J.P. Morgan Securities LLC. Outside of his financial career, he owns a custom guitar and woodworking business. Wells Fargo Advisors is a national securities firm that provides investment advisory services and financial planning to individual, corporate, and institutional clients, combining research and analytics with both brokerage and advisory solutions.