Linda Wenker is a financial advisor with LPL Financial in Sacramento, CA, holding Series 63 and Series 65 licenses and 42 years of industry experience. Her prior work includes roles at Western International Securities, First Allied Securities, Investors Resources Group, and UBS Financial Services. Additionally, she is registered as a non-variable insurance agent. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a variety of financial planning and investment management programs, leveraging model portfolios, third-party subadvisors, and customized strategies.

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.

Derek Nan serves as a Senior Resident Director and Wealth Management Advisor at Merrill Lynch Wealth Management in Modesto, California. He joined Merrill in 2007 and holds the position of Managing Director. Derek specializes in planning-based financial advice, including estate planning, money management, retirement planning, and consultation for small business and corporate 401(k) plans, including defined benefit and cash balance plans. He is a graduate of California State University of Stanislaus with a bachelor's degree in Economics and Business Finance. Derek holds professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His professional affiliations include membership in Rotary and the Modesto Sons of Italy. A lifelong resident of the Modesto area, Derek has served as Past President of Oakdale Sunrise Rotary and is an active member of the Modesto Sons of Italy. His business focus is on delivering customized wealth management strategies to clients, particularly those in the agricultural, industrial, medical, and technology sectors that are central to California's economy.

Joseph Bonacci is a CFA® charterholder with 15 years of industry experience. He is currently affiliated with Cetera and has previously worked at firms including LPL Financial, Northwestern Mutual, and Ameriprise. Bonacci operates Sierra Ridge Wealth Management, which is a DBA used for LPL business activities. Cetera Investment Advisers LLC is a nationally registered advisory firm serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services and features a multi-manager platform with various program options and affiliations.

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.

Aaron Fry is a financial advisor with Fidelity in Roseville, CA, holding CFP®, CFA®, and Series 66 credentials and having 16 years of industry experience. His prior work includes roles at Morgan Stanley and TD Ameritrade. Outside of his advisory work, he is a band member performing locally on weekends. Fidelity’s Strategic Advisers LLC, where he is affiliated, provides investment management and advisory services to a broad client base including retail and institutional investors. The firm’s approach combines fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified model portfolios.

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 2 years of industry experience. He holds Series 63 and Series 66 credentials. His prior work includes roles at iLending and various positions outside the financial industry, including photography and education. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction. The firm manages model portfolios across mutual funds, ETFs, and ETPs, and serves as an advisor to registered investment companies and fund-of-funds.

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.

Jingjing Li is a financial advisor at Merrill with two years of industry experience and holds a Series 66 designation. Prior to joining Merrill, she worked at Bank of America, N.A., and has experience in consulting and entrepreneurship. Outside of her advisory role, she is involved in a business that designs and markets pet collars and accessories through online platforms. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies supported by internal teams and third-party managers for a range of individual and institutional clients.

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.

Darren Edge is a financial advisor with LPL Financial in Folsom, CA, holding a Series 66 designation and having 10 years of industry experience. He has been with LPL Financial since 2015 and also works with Golden 1 Credit Union. Outside of his advisory role, he serves as a youth soccer referee for both El Dorado Hills Soccer Club and Folsom Soccer Club. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions, providing services such as financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Kimberly Austin is a financial advisor at Robert Baird & Co. with four years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Bank of America, Merrill, Wells Fargo Clearing Services, Franklin Distributors, and Edward Jones. She serves as a board member and officer of the Sacramento Stealers Baseball Club, a youth travel baseball program. Baird’s DDK Group serves individual, corporate, pension, and charitable clients through a range of financial planning, portfolio management, and brokerage services. The firm employs both manager-traded and model-traded SMA strategies alongside tax management and uses internal research, including artificial intelligence tools, in its client advisory approach.

Lori Richofsky is a financial advisor with Morgan Stanley in Sacramento, CA, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. Her prior roles include positions at Asset Preservation Strategies and H. Beck, Inc. Outside of her advisory work, she manages a rental property as a sole proprietor. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a broad range of investment advisory programs supported by firm-approved tools and methodologies.