Brittney Cicchetti is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Clearing since 2022, following seven years at Bank of America, N.A. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and 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 offerings.

Hunter Brown is a financial advisor with Merrill, holding a Series 66 designation and based in Roseville, CA. He has been with Merrill and Bank of America since 2025. Outside of finance, he has experience working in hospitality and various other industries, including roles at Bacchus House Wine Bar & Bistro and Beast and Bounty. Merrill, along 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 a range of clients including individuals, high-net-worth investors, and organizations.

Cheri Morillas is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has been with Cetera Wealth Services, LLC since 2013 and with Cetera since 2023. Outside of advisory work, she serves as a board member of the Donner Lake Property Owners Association. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients nationwide. The firm offers a multi-manager platform allowing advisors to implement a variety of portfolio management strategies across discretionary and non-discretionary authorities.

Jeffrey Gordon is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 32 years of industry experience. He worked at J.P. Morgan Securities for six years before joining Wells Fargo Advisors LLC in 2018. 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 uses research and analytics to evaluate investment options, offering both brokerage and advisory solutions through a large network of financial advisors.

Desiderio Rodriguez is a Senior Financial Advisor at Merrill Lynch Wealth Management. He holds the designation of Personal Investment Advisor (PIA) and brings a focused approach to guiding clients through complex financial decisions. Desiderio works closely with executives, entrepreneurs, and families to support them at significant life milestones and assist them in achieving financial freedom. He earned his High School Diploma from Woodside High School.

Arun Sharma is a financial advisor with Merrill in Sacramento, CA, holding a Series 66 designation and one year of industry experience. His prior experience includes roles at Bank of America, Walgreens Boots Alliance, ICICI Lombard GIC Ltd, and Bharti AXA GIC Ltd. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Bradford Rasor is a financial advisor at Osaic Wealth, Inc. with 23 years of industry experience. He holds the Series 66 designation and has worked at Osaic Wealth since 2018, following two years at Signator Investors, Inc. He also works as an independent life insurance agent, assisting clients with evaluating insurance needs and providing benefit options. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services with investment strategies that include stocks, bonds, options, mutual funds, ETFs, and alternative investments, using various tools to support portfolio construction and management.

Kevin Blaine is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and seven years of industry experience. His career includes roles at Charles Schwab & Co., Inc., Charles Schwab Banks SSB, and J.P. Morgan Securities, LLC. Prior to his advisory work, he held various positions outside finance including at Graves Roofing, Jimmy Johns, and Pizza Hut. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 offers a blend of non-discretionary and discretionary investment management options supported by centralized operations and comprehensive advisory solutions.

Mary Caulder is a financial advisor at Morgan Stanley with 31 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Smith Barney since 2009, following an earlier tenure at Citigroup Global Markets starting in 1995. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools that incorporate scenario modeling without providing individual security recommendations as part of its standalone planning services.

Josefina Arellano is a Series 66 licensed financial advisor with Morgan Stanley in Sacramento, CA, where she has worked since 2009. She has 20 years of experience in the financial industry. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Bobby Dalton Roy 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 2013 and has a background that includes over 20 years with the California Department of Education. Outside of advisory services, he is involved in the sale of home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure, emphasizing ongoing oversight and disclosure to manage potential conflicts.

Hope Bennett Brown is a Series 66 licensed financial advisor with six years of industry experience. She has been with Merrill and Bank of America N.A. since 2021 and previously worked at Equitable Advisors and Axa Advisors. Before her financial services career, she held positions at Black Angus Steak House, Dutch Bros Coffee, and Butte College. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm employs various portfolio implementation approaches, including tactical asset allocation and tax-aware strategies, supported by Bank of America’s cash sweep and custody services.

Barbara Fain is a financial advisor at UBS Financial Services with 17 years of industry experience. She holds the Series 66 designation and has worked at UBS in various capacities since 2015. Additionally, she has been involved in Randy Fain Pool Construction since 2006. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, employing proprietary capital market assumptions and model-based asset allocations to tailor plans to clients' goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services and offers a broad set of capital markets and research resources.

Thomas Biggs is a financial advisor at LPL Financial with 41 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at Western International Securities, Inc. for 13 years. He is also involved with Biggs Investment Management, an investment-related advisory and insurance business. 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 a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Avedis Buyuker is a financial advisor with Equitable Advisors in Folsom, CA, holding Series 63 and Series 66 licenses and having six years of industry experience. His prior work includes roles at Axa Advisors and Sprint, as well as time spent at California State University. Equitable Advisors serves a range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives and third-party program sponsors. The firm offers various advisory models and ERISA fiduciary services without sponsoring its own wrap fee program, relying on third-party managers and affiliated asset managers for investment solutions.

Donald Rogers is a financial advisor at OSAIC with 17 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Lincoln Financial Advisors, Allstate Insurance Company, OneAmerica Securities, American United Life, and Lafayette Life Insurance. Rogers is also involved as a sales manager and agent offering fixed insurance products through Retirement Security Centers. OSAIC serves a diverse clientele including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with an emphasis on asset allocation, risk tolerance, and diversified portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Frank Geremia III is a CFP® with 30 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he holds a 20% ownership in Geremia Companies, LLC, a non-investment-related business based in Sacramento, CA. Wells Fargo Clearing provides retirement plan consulting services 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 broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

David Bains is a financial advisor with Robert W. Baird & Co. in Sacramento, CA, holding Series 63 and Series 66 credentials and bringing 14 years of industry experience. His previous roles include positions at Wells Fargo Clearing, JPMorgan Securities, and Wells Fargo Advisors. Outside of his advisory work, he is involved in breeding English Bulldogs and participates in a nonprofit focused on connecting caregivers with jobs. He is part of the DDK Group within Baird’s Private Wealth Management department, which serves a range of clients including individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers services such as financial planning, discretionary and non-discretionary portfolio management, and utilizes a variety of separately managed account programs with ongoing manager selection supported by internal research and technology.

Raquel Austin is a financial advisor at Cambridge Investment Research Advisors with 22 years of industry experience. She holds a Series 66 designation and previously worked at Merrill and Bank of America. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pensions, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a variety of portfolio management strategies and platform arrangements.

Durron Bell is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and eight years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2017 and has a longer tenure at Wells Fargo Bank NA dating back to 2010. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable breadth of investment options that include insurance-related vehicles and bank deposit sweep programs.