Robert Dewhurst is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and over 20 years of industry experience. His career has been primarily with Wells Fargo-affiliated entities since 2004. 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 services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

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.

Jazette La Barbera is a financial advisor with Merrill in Roseville, CA, holding a Series 66 credential and 13 years of industry experience. She has worked at Merrill since 2016 and is currently associated with Bank of America as well. Outside of her advisory role, she operates a sole proprietorship focused on affiliate marketing for consumer products and services. Merrill, together 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Walter Gallo Jr. is a financial advisor with Merrill in Roseville, CA, holding Series 63 and Series 65 designations and 13 years of industry experience. He has worked at Merrill and Bank of America since 2016 and previously was with Wells Fargo Advisors from 2012 to 2016. Walter is also involved as an owner and co-trustee of revocable living trusts. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Steven Liaty is a financial advisor with Wells Fargo Clearing in El Dorado Hills, CA, holding Series 63 and Series 65 licenses. He has 28 years of industry experience, including over a decade at Wells Fargo Clearing and seven years at Wells Fargo Advisors LLC prior to that. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Michael Lewis is a financial advisor with Cambridge Investment Research Advisors in Sacramento, CA, holding a Series 66 designation and 39 years of industry experience. He has been with Cambridge since 2008 and also works as an independent insurance agent and tax preparer. Additionally, Lewis is the owner of North Star Financial Partners and serves as an advisory representative for a registered investment adviser. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through independent professionals, utilizing a variety of direct portfolio management and model-based solutions across multiple custody platforms.

Larry Pearl is a financial advisor at Ameriprise with nine years of industry experience. He holds the Series 66 designation and has worked previously at Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company, as well as at Waddell & Reed, Inc. and various insurance carriers. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement who meet certain asset criteria, providing detailed recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

Brad Klingfus is an Investment Consultant at Fidelity Investments, a position he has held since 2024. Prior to this role, he worked as a Planning Consultant at Fidelity from 2022 to 2024 and as a Relationship Manager there from 2021 to 2022. Before joining Fidelity, Brad was an Advisor Consultant at Franklin Templeton Investments from 2014 to 2021. Brad holds a California Insurance License. His professional focus involves collaborating with clients to develop comprehensive financial plans aimed at achieving financial wellness and peace of mind. He serves as an advocate for clients, assisting with important financial decisions and planning steps over time. Outside of his professional work, Brad's personal interests include baseball, beach activities, boating, football, and golf.

Michael Niehaus is a financial advisor at Merrill with a Series 66 credential and three years of industry experience. He previously worked at Franklin Templeton Investments and took a year for extended travel. Outside of finance, he is a founding member of a music and entertainment group called Tomb of Minerva, where he contributes as a bass guitarist, vocalist, and lyricist. Merrill, together 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, and institutions.

Rodney Spradlin is a financial advisor at Cetera with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera and its affiliated entities since 2013. In addition to his advisory role, he operates American River Wealth Management as a DBA for his investment practice and serves as a representative involved in annuities. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a variety of portfolio management and advisory services through a multi-manager platform with access to both affiliated and unaffiliated third-party managers.

Gregory Glunt is a financial advisor with OSAIC, holding a Series 66 designation and 13 years of industry experience. He worked at Lincoln Financial Advisors for 13 years before joining OSAIC in 2025. Outside of advising, he serves as a director on the RMCC Men's Club board and is involved with Retirement Security Centers offering insurance products. OSAIC serves a diverse clientele including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers and advisory platforms. The firm offers integrated brokerage and advisory services with a range of portfolio management options and utilizes various tools and third-party solutions to support its investment strategies.

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.

Bethany Kirk is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. She has one year of industry experience, including roles at Mass Mutual Investors Services and MassMutual Life Insurance Company. Prior to entering the financial industry, she worked for ClearChoice Dental Implant Center and Pacific Dental Services. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing, collaborative financial planning engagements and offers specialized programs such as Divorce Planning and estate-settlement services.