Marcelo Gaytan is a Planning Consultant at Fidelity Investments, a role he has held since 2023. In this capacity, he collaborates with clients and their advisors to develop retirement plans tailored to individual goals and needs, emphasizing an understanding of clients' values and priorities to navigate financial markets through retirement. Prior to his current position, Marcelo served as a Relationship Manager at Fidelity Investments from 2022 to 2023, and as a Financial Services Representative at the same firm from 2021 to 2022. His experience also includes working as a Financial Solutions Advisor at Merrill Lynch from 2020 to 2021 and as a Personal Banker at Wells Fargo from 2016 to 2020. Marcelo holds a California Insurance License.

Jeremy Heath is a financial advisor with Ameriprise in El Dorado Hills, CA, holding a Series 66 credential and one year of industry experience. Prior to joining Ameriprise in 2024, he worked at Anytime Fitness Placerville for eight years. In addition to his advisory role, Heath performs bookkeeping and administrative tasks as an officer for Pecuniary Synergies, Inc. Ameriprise serves clients primarily through its retirement-income planning service, targeting individuals with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary retirement recommendations, supported by a centralized consulting team.

Robert Christiansen is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and over 25 years of industry experience. He has been with Cetera and its related entities since 2013. Christiansen is also involved in financial services through American River Wealth Management and owns RJC Financial Services, Inc. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporations, and institutions. The firm offers diversified portfolio management and financial planning services through a multi-manager platform, supporting various program structures and investment strategies.

Rostislav Dusayev is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. His career includes prior roles at JP Morgan Securities LLC, JP Morgan Chase Bank, Edward Jones, NYLIFE Securities LLC, and New York Life Insurance Co. He has been with Wells Fargo Clearing and Wells Fargo Bank, N.A. since 2019. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, retirement plan consulting, and brokerage solutions, utilizing research and analytics from Wells Fargo Investment Institute and third parties.

Jason Arnold is a financial advisor with UBS Financial Services in Granite Bay, California, holding a Series 66 designation and 24 years of industry experience. His previous work includes roles at Bank of America and Merrill. Outside of his advisory role, he coaches girls basketball and flag football at Granite Bay High School. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm utilizes proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Michael Nakahira is a financial advisor at Cetera with 40 years of industry experience. He has held positions at Cetera Advisors LLC since 2022 and previously worked at First Allied Advisory Services, Inc. and First Allied Securities, Inc. Additionally, he is the owner and president of a real estate business, HONY Properties LLC. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts, offering a variety of portfolio management and financial planning services through a nationwide network of independent advisors.

William Huff is a financial advisor with Wells Fargo Clearing in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Wells Fargo entities since 2011, including Wells Fargo Advisors LLC before joining Wells Fargo Clearing. 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 roughly $671 billion in assets and utilizes research from Wells Fargo Investment Institute alongside third-party databases to guide investment decisions.

Jonathan West is a financial advisor with LPL Financial, holding the CFP® designation and Series 63 and 65 licenses. He has 10 years of industry experience, including prior roles at Prudential, Kestra Financial, and Sii Investments. Outside of advisory work, he serves as an instructor for the City of Seal Beach. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, 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, with access to model portfolios, research, and various management approaches.

Bruce Pearson is a financial advisor with UBS Financial Services in Sacramento, CA, holding Series 63 and Series 65 licenses and with 40 years of industry experience. He has been with UBS since 1985. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor advice to clients’ goals and risk tolerances.

Joshua Thaler is a financial advisor with Morgan Stanley in Roseville, CA, holding Series 63 and Series 66 designations and having 16 years of industry experience. He has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and offers tailored financial planning services supported by structured discovery and firm-approved tools.

Craig Geisendorff is a financial advisor at Wells Fargo Advisors with 21 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Advisors Financial Network since 2026, following several years at Wells Fargo Clearing and Wells Fargo Advisors LLC dating back to 2008. 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 investment and financial planning services, including specialized planning for business-owner transitions, sports and entertainment, special needs, and divorce, using Wells Fargo research and planning tools to develop tailored client recommendations.

Tom Campeau is a financial advisor with Edward Jones in Folsom, CA, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has been with Edward Jones since 1994. Campeau is a managing member of several family-owned residential rental properties, assisting with tax filing and bill payments. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including households and charitable organizations. The firm manages a broad range of investment strategies and offers affiliated mutual funds, tax-efficient services, and operates under a fiduciary standard.

Davyd Valuiskyi is a financial advisor at Fidelity with two years of industry experience. He holds a Series 66 designation and has previously worked at JPMorgan Chase & Co and the Vincent G Harris Insurance Agency. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm utilizes a combination of fundamental research and quantitative analysis to construct model portfolios from a broad universe of mutual funds, ETFs, and ETPs, incorporating algorithmic methodologies and long-term asset allocation benchmarks.

Kyle Smith is a financial advisor at Osaic Wealth, Inc. based in Sacramento, CA, holding a Series 66 license with two years of industry experience. He has previously worked at Securities America, Inc., CFS Wealth Advisors, LLC, and CliftonLarsonAllen. In addition to his advisory work, Kyle provides term life insurance and fixed annuities as a licensed life insurance agent and offers tax preparation and planning services. Osaic Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, institutions, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party solutions to manage portfolios across various asset classes.

Janos Miszti is a financial advisor at OSAIC with eight years of industry experience. He holds a Series 66 designation and has worked at Royal Alliance Associates since 2018, following a year at Sii. Outside of his advisory work, he operates a small photography business specializing in senior portraits, events, and weddings, and volunteers as a STEM teacher at a local school. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm employs a range of investment tools and third-party services to construct diversified portfolios tailored to clients’ needs.

Kurt Hoffmann is a financial advisor at Charles Schwab with 11 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. since 2018. Prior to that, he spent one year at InterWest Insurance Services, LLC. 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 offers both non-discretionary and discretionary investment options using multi-asset model portfolios and centralized custody and supervisory arrangements.

Mark Stevenson is a financial advisor at Morgan Stanley with seven years of industry experience. He holds Series 63 and Series 66 designations and has worked at several firms including Fidelity Investments, Wells Fargo, and J.P. Morgan Securities. He is currently based in Sacramento, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services that include broad retail and institutional offerings.

Jeffrey Impey is a CFP® with 19 years of industry experience, currently serving as a financial advisor at Ameriprise in El Dorado Hills, CA. He previously worked at LPL Financial and Safe Credit Union for 15 years. Ameriprise provides a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, delivering written recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis, emphasizing managed accounts and using algorithmic automation to generate tailored retirement income recommendations.

Michael Rodegerdts is a financial advisor with Ameriprise, holding a Series 66 designation and bringing 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves on the board of directors for Yolo Farm to Fork and is involved in several business ventures related to management and insurance brokering. Ameriprise Financial Services is a large, diversified firm that serves both individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning. This service provides clients with written recommendations and ongoing advice based on research and proprietary tools, with a non-discretionary implementation approach.

Rukmini Bose is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2019. She has over 21 years of experience in the financial services industry, including roles as Vice President and Financial Advisor at Morgan Stanley from 2012 to 2018, Financial Solutions Advisor at Bank of America Merrill Lynch from 2009 to 2011, and Relationship Manager at Marsh & McLennan Companies from 2005 to 2007. Throughout her career, Rukmini has focused on helping clients make informed financial decisions and serving as a trusted partner in their financial lives. She is committed to providing education and a thoughtful process to navigate the complexities of financial planning. Rukmini holds a California Insurance License.