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 with LPL Financial in Citrus Heights, CA. He holds a Series 66 designation and has 10 years of industry experience. Perkins has worked with LPL since 2013 and is also associated with Golden 1 Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base, including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, combining discretionary and non-discretionary management with access to model portfolios and research.

William Carson is a financial advisor with Osaic, holding Series 65 and Series 63 credentials and over 40 years of industry experience. He has worked with Royal Alliance Associates since 2018 and previously spent 36 years at JHFN Signator Investors. Outside of advisory work, Carson operates a sole proprietorship as an insurance agent, writing approximately one life insurance policy and one annuity annually. Osaic Wealth, Inc. serves a diverse client base including retail, high-net-worth, and institutional investors through a broad network of affiliated advisers. The firm offers integrated advisory and brokerage services, utilizing asset-allocation tools and third-party platforms to manage portfolios that include a range of investment products on discretionary or non-discretionary bases.

Brent Scott is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 1997. He has more than three decades of experience in the investment industry, including four years as a Financial Advisor at Ameriprise (formerly IDS American Express Financial Advisors) from 1993 to 1997. Brent focuses on helping clients protect and grow their wealth through customized financial and retirement plans. With 29 years at Fidelity, Brent emphasizes the importance of listening to clients to develop strategies that align with their lives and goals. He holds a California Insurance License, which complements his financial consulting expertise. Outside of his professional work, Brent enjoys attending concerts, fitness activities, social events with friends, reading, skiing, and traveling.

Linda Wenker is a financial advisor with LPL Financial, holding Series 63 and Series 65 registrations and bringing 41 years of industry experience. Prior to joining LPL Financial in 2025, she worked at Western International Securities, Inc. for 17 years. Her other business activity includes serving as a non-variable insurance agent. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, supported by both discretionary and non-discretionary management and a variety of model portfolio options.

Kathleen Toschi is a financial advisor at Raymond James Financial with 11 years of industry experience. She holds a Series 66 designation and has previously worked at Edward Jones, Bank of America, Merrill, and Motif Capital Management. Outside of her advisory role, she is an owner and artist of an art website and serves as a committee member for Impact 100, a women-run nonprofit awarding grants to local organizations. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools, and supports a broad advisor network with specialized programs in municipal finance and SIMPLE IRA employer advisory services.

Joseph Bonacci is a financial advisor with LPL Financial based in Roseville, CA. He holds the CFA® designation along with Series 66 and Series 63 licenses and has 15 years of industry experience. His prior roles include positions at Northwestern Mutual and Cetera, among others. Bonacci is also involved with Sierra Ridge Wealth Management, a DBA for his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting supported by model portfolios and research from internal and third-party sources.

Julie Hassna is a financial advisor at Stifel with 11 years of industry experience. She holds the CFP®, ChFC®, and Series 63 designations. Prior to joining Stifel in 2022, she worked at Northwestern Mutual in various roles from 2014 to 2022. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach is based on proprietary analysis and forward-looking capital market assumptions developed by its Investment Strategy Group.

Raymond Digiuseppe is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo, he worked at Valic Financial Advisors, Agia, Systemcom US Inc, and Ameriprise. Outside of financial services, he is licensed as a construction contractor and serves as a qualifying individual for multiple construction-related companies. 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 a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Julie Ridgeway is a financial advisor with Cetera, holding a Series 66 designation and 39 years of industry experience. She has been associated with Cetera and its affiliates since 2013 and operates independently as well as through Chester & Associates, a firm she has been involved with since 1985. Outside of her advisory work, she is a partner in Rolling Hills Ranch, LLC, where she oversees the breeding, showing, and sale of horses. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform, combining affiliated and unaffiliated investment strategies with both discretionary and non-discretionary account management.

Waheeda Sherzai is a financial advisor at Morgan Stanley in Sacramento, CA, with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2019. Prior to that, she held roles at State Farm VP Management Corp and multiple insurance agencies from 2015 to 2019. Outside of advisory work, Sherzai is active as a Pashto language interpreter for various courts and educational organizations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs with a structured financial planning process supported by firm-approved tools and research from its Global Investment Committee.

Stephen Moore is a financial advisor at Edward Jones with 11 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2014. 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 through a nationwide network of more than 23,700 advisors, offering a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Kevin Mc Kemie is a financial advisor with Edward Jones in Auburn, CA, holding Series 66 and Series 63 designations and over 23 years of industry experience. He has been with Edward Jones since 2017 and previously worked at Northern Lights Distributors, LLC. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of over 23,000 financial advisors.

Aaron Fry is a CFP®, CFA®, and Series 66 licensed advisor at Fidelity with 16 years of industry experience. He has been with Fidelity Investments since 2013 and currently works in Roseville, CA. Outside of his advisory work, Fry is a member of a local band that performs at weddings and venues on weekends. 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 fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies.

Christina Florence is a financial advisor with Cambridge Investment Research Advisors and holds the CFP® and Series 66 credentials, with 22 years of industry experience. She is also a part owner and advisory representative of Lane Florence, LLC, where she has worked since 2007. Outside of her advisory roles, Christina serves as a board member of a local homeowner's association. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals who tailor strategies using proprietary models, third-party managers, and various platform arrangements.

Peter Cole is a ChFC® designated financial advisor with 26 years of industry experience, currently associated with OSAIC in Sacramento, CA. His prior work includes a 12-year tenure at Everbank, and he also maintains a longtime practice in clinical social work, providing individual and marital counseling under a California Clinical Social Work License. In addition to his advisory roles, he operates as a licensed insurance producer offering life and disability insurance products. OSAIC serves a diverse client base, including retail and institutional investors, and offers brokerage and investment advisory services across multiple platforms. The firm employs a range of portfolio construction tools and supports various investment strategies, including access to third-party managers and wrap programs.

Erik Renaud is a Series 65-registered advisor at Fisher Investments with 14 years of industry experience. He has been with Fisher Investments since 2005. Fisher Investments serves a global mix of institutional and private clients, including pension and profit-sharing plans, foundations, investment companies, and high-net-worth individuals, offering discretionary portfolio management across various asset classes. The firm combines quantitative and qualitative research with centralized portfolio management to construct globally diversified portfolios and employs tax-aware processes and defensive tactics to manage risk.

Michael Sommer is a financial advisor at Fidelity with Series 63 and Series 66 credentials and two years of industry experience. Prior to joining Fidelity, he worked in various roles including at iLending and the Arapahoe County School District. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a systematic investment process that incorporates proprietary research, quantitative analysis, and algorithmic portfolio construction.

Christopher Rasmussen is a financial advisor with OSAIC in El Dorado Hills, CA, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at Edward Jones and 3M Company. Rasmussen is also the owner of CantorBridge Financial, an LLC focused on financial planning, wealth management, and asset management. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services through multiple platforms, using advanced asset-allocation tools and third-party solutions to construct customized portfolios.

Dillon Dougherty is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2016 and Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, offering tailored financial planning and various investment services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and strategies developed by its Global Investment Committee.