Michelle Fruit is a financial advisor with Edward Jones in El Dorado Hills, CA, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. She has been with Edward Jones since 2015 and also operates J.M. Fruit, Inc., a consulting business where she manages bookkeeping and light accounting tasks. 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 solutions supported by a large nationwide network of financial advisors and branch offices.

Araceli Solis is a financial advisor with Wells Fargo Advisors in Sacramento, CA, holding a Series 66 designation and six years of industry experience. She has been with Wells Fargo Clearing and Wells Fargo Advisors since 2013. Solis serves as treasurer for the Sierra Oaks Vista Neighborhood Association in Sacramento. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, education, risk, and wealth-transfer planning. The firm uses proprietary research and planning tools to develop tailored recommendations, which clients may implement through brokerage or advisory programs.

James Arnold is a Planning Consultant specializing in retirement planning. He emphasizes a client-focused approach, prioritizing listening to understand clients' goals and concerns to provide educational and reassuring guidance. James maintains a calm, empathetic, and transparent manner in his professional relationships and is committed to placing clients' interests first. Prior to his current role, James worked at Fidelity Investments as a Financial Representative from 2024 to 2025 and as a Relationship Manager from 2025 to 2026. He holds a California Insurance License.

Kevin Mounkes is a CFP® with 21 years of industry experience. He is currently with Wells Fargo Advisors and has previously worked within various Wells Fargo entities since 2012. Outside of his advisory role, he owns and operates a tax lien and tax deed real estate auction business. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services tailored to clients who meet certain net-worth criteria, utilizing proprietary research and tools to develop personalized recommendations.

Lee Fields is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. He has worked with Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, he serves as a trustee for his father. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory options. The firm’s approach is IPS-driven and incorporates a range of investment vehicles, including insurance-related products and bank deposit sweep options.

Heather Crawford is a financial advisor at Merrill with Series 63 and Series 66 designations and 31 years of industry experience. She has been with Merrill and Bank of America since 2009. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gail Good is a Wealth Management Advisor with Merrill Lynch Wealth Management. In her role, she follows a disciplined wealth management process designed to provide a consistent and customized experience for her clients. She assists with wealth accumulation, preservation, and transfer by leveraging Merrill Lynch’s resources along with the banking solutions provided by Bank of America to develop strategies aligned with clients’ goals. Gail has been in the financial services industry since 1995 and joined Merrill Lynch Wealth Management through Banc of America Investments in 2003. She takes a holistic approach to financial planning by considering clients’ entire financial picture and values, helping to establish objectives and conducting regular reviews to adapt plans to life’s changing circumstances. Her expertise covers investments, retirement planning, life insurance, long-term care planning, liquidity management, and socially responsible investing. Gail holds a Master of Science degree in Personal Financial Planning from the College for Financial Planning and a Bachelor of Science degree in Business Administration with a concentration in Finance from California State University Sacramento. She is a CERTIFIED FINANCIAL PLANNER® professional and holds the Chartered Retirement Planning Counselor™ designation. Outside of work, Gail enjoys running marathons, biking, golfing, hiking, reading, yoga, and spending time with her family.

Scott Storer is a financial advisor with Merrill, holding a Series 66 designation and 24 years of industry experience. He has worked at Merrill Lynch since 2001 and at Bank of America, N.A. since 2011. 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. The firm offers model-based and discretionary strategies developed by internal and third-party managers for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Richard Clinton is a financial advisor at OSAIC with one year of industry experience. He holds a Series 66 designation and has prior experience with Nuanced Analytics, Inc. and Clinton Polley Group, Inc. Outside of his advisory role, he is an owner and officer of Nuanced Analytics, a business consulting company, and Sea Pig Holdings, a holding company with commercial real estate interests. OSAIC serves a diverse client base including individual and institutional investors, offering integrated brokerage, investment advisory services, and access to third-party money managers. The firm uses firm-provided tools for asset allocation and portfolio construction, supporting both discretionary and non-discretionary management across a wide range of investment products.

Mehran Torki is a financial advisor at Primerica Advisors with Series 63 and Series 65 licenses and four years of industry experience. He has worked at Primerica Advisors since 2021 and previously spent ten years at Barco Inc. In addition to his advisory role, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

John Lane is a CFP® with 44 years of industry experience, currently with Cambridge Investment Research Advisors since 2005. He also operates Lane Florence, LLC, which he has led since 2007. Outside of his financial advisory work, Lane serves as a softball coach at Ponderosa High School. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations, offering financial planning, investment management, and retirement advisory services through a network of independent financial professionals with multiple platform options and proprietary strategies.

Gary Malkasian is a financial advisor at Cetera with 19 years of industry experience. He holds the PFS™ and Series 66 designations. In addition to his advisory role, he owns a CPA firm, Malkasian Accountancy, LLP, and serves as treasurer for Gypsy Magic Equine Outreach, a charitable organization. Cetera Investment Advisers LLC provides services through a nationwide network of independent advisors to individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a range of portfolio management and financial planning services, operating as a multi-manager platform with access to various program structures and third-party managers.

Brady Brandt is a financial advisor with Ameriprise in Roseville, CA, holding a Series 66 designation and two years of industry experience. His prior work includes roles at OSAIC, AW Securities, Allworth Financial, Fidelity, and InterWest Insurance, as well as various positions during his time at California State University and CSU, Chico. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through written Recommendation Reports and ongoing advice. The firm’s approach involves analysis based on investment research, third-party data, and internal tools, with a structure that includes specific enrollment criteria and a defined investment universe.

Michelle Long is a financial advisor with Ameriprise in Cameron Park, CA, holding Series 63 and Series 66 licenses and eight years of industry experience. She worked at Wells Fargo Bank NA and Wells Fargo Clearing Services LLC before joining Ameriprise, where she has been since 2021. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing annual retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

John Lebeau is a financial advisor at Wells Fargo Clearing with 39 years of industry experience. He holds the Series 63 designation and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and uses research and analytics from its Investment Institute and third-party sources to guide investment decisions.

Philip Kong is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 13 years of industry experience. His prior work includes positions at LPL Financial, Wells Fargo Clearing, and U.S. Bancorp Investments. He is also involved in a direct sales and multi-level marketing business. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services on a multi-manager platform with over $256 billion in assets under management.

Shari Merle is a financial advisor with LPL Financial in El Dorado Hills, CA, holding a Series 63 designation and bringing 37 years of industry experience. She has worked with Linsco/Private Ledger since 2001, totaling 25 years with the firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of investment options including model portfolios, third-party asset management, and institutional platforms, supported by technology tools for operational and research purposes.

Jaime Barretta is a financial advisor with LPL Financial in Folsom, CA, holding Series 63 and Series 65 credentials and 22 years of industry experience. Before joining LPL Financial in 2011, he worked at Edward Jones from 2008 to 2011. He is also involved with Barretta Wealth Management, Inc., an insurance-related business focusing on life, disability, long-term care, and fixed annuities. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning, asset management, and institutional platforms, supporting its network of over 22,800 advisors with both proprietary and third-party investment strategies.

Nancy Fletcher is a financial advisor at OSAIC with 41 years of industry experience. She holds a Series 63 designation and previously worked for Lincoln Financial Advisors Corporation for 40 years. Outside of her advisory role, she acts as an insurance agent offering fixed and indexed annuities, long-term care insurance, and traditional life insurance products. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and third-party solutions to manage a wide range of investment portfolios.

Laura Scruggs is a financial advisor at Wells Fargo Clearing with eight years of industry experience. She holds a Series 66 designation and has worked at Merrill and Wells Fargo Advisors in various capacities since 2012. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages roughly $671 billion in assets and supports clients through a combination of brokerage and advisory solutions.