Manraj Dhillon is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2022. In this position, he partners with clients to understand their financial goals and develops customized plans tailored to their unique needs. Prior to this, he worked as a Financial Advisor at Merrill Lynch from 2018 to 2022 and as a Relationship Manager at Bank of America from 2016 to 2018. His professional experience spans financial consulting, advisory, and relationship management roles in the financial services industry. Manraj holds a California Insurance License, supporting his expertise in financial planning and insurance products.

Stephanie Dhillon is a financial advisor with Morgan Stanley in Sacramento, CA, holding a Series 66 license and five years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2011. Outside of her advisory role, she is a partner in farming ventures in the Sacramento and Colusa areas. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs and financial planning services that utilize structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides planning through its Financial Advisors and Estate Planning Strategies Group.

Christopher Paydock is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Securities America Advisors, LPL Financial, and National Planning Corporation. He also operates under the DBA Sunset Wealth Advisors. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, employing asset-allocation tools and third-party money managers to construct and manage portfolios across various investment types.

Kenneth Clevenger is a financial advisor with Wells Fargo Clearing and has 18 years of industry experience. He holds a Series 66 designation and previously worked at J.P. Morgan Securities LLC. Outside of his financial career, he owns a custom guitar and woodworking business. Wells Fargo Advisors is a national securities firm that provides investment advisory services and financial planning to individual, corporate, and institutional clients, combining research and analytics with both brokerage and advisory solutions.

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.

Kim Hickey is a financial advisor with J.P. Morgan Securities in Sacramento, CA, holding a Series 63 designation and 31 years of industry experience. She has been with J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

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, CA, holding a Series 66 license and 24 years of industry experience. He has worked at Merrill, Bank of America, and Banc of America Investment Services before joining UBS in 2021. 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 brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm utilizes proprietary research and model-based asset allocations to tailor financial plans and portfolio management 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.

Andrea Tateo is a financial advisor at UBS Financial Services with a Series 66 designation and three years of industry experience. Prior to joining UBS in 2023, she held positions outside the financial industry, including roles at Neiman Marcus and in the restaurant sector. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management, offering a broad range of financial products and services.

William Huff is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 34 years of industry experience. He has worked with Wells Fargo Investments, LLC and Wells Fargo Clearing, serving in the field for over two decades. 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 both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources to support its investment approach.

Jonathan West is a CFP®-certified financial advisor with LPL Financial, where he has worked since 2018. He has 10 years of industry experience, including prior roles at Prudential, Kestra Financial, and Sii Investments. Outside of advising, he serves as an instructor for the City of Seal Beach. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, and institutions. The firm supports its network with a range of financial planning and investment management offerings, including model portfolios and third-party asset management.

Bruce Pearson is a financial advisor with UBS Financial Services in Sacramento, CA, holding Series 63 and Series 65 designations and bringing 41 years of industry experience. He has been with UBS Financial Services since 1985. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm delivers advisory work using proprietary capital market assumptions and research, tailoring plans to clients’ goals and risk tolerances.

Marilyn White is a financial advisor with LPL Financial in Sacramento, CA, holding a Series 63 designation and 35 years of industry experience. She previously worked at Morgan Stanley DW Inc. and has spent significant time with LPL Financial and affiliated firms. White is involved with Advisors Business Insurance Agency, a non-variable insurance commission agency. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

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 with Wells Fargo Advisors, holding a Series 66 designation and 21 years of industry experience. His prior work includes a four-year tenure at Merrill. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutions. The firm’s services cover a broad range of planning areas and use proprietary research and tools to develop tailored recommendations for clients.

Tom Campeau is a financial advisor at Edward Jones in Folsom, CA, holding Series 63 and Series 66 licenses with 32 years of industry experience. He has been with Edward Jones since 1994. Outside of his advisory role, he is a managing member involved in family-owned residential rental properties. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm is notable for its extensive network of advisors and branch offices and offers additional services such as trust company capabilities and securities-based lending.

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.