Senh Ly is a financial advisor with LPL Financial in Sacramento, CA, holding Series 63 and Series 66 designations and possessing 22 years of industry experience. He has been with LPL Financial since 2007 and has also served at Golden 1 Credit Union since 2005. Additionally, he works as a real estate agent in the Sacramento area, assisting clients with buying and selling properties. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, combining technology-driven tools with a broad platform of advisory and non-advisory financial activities.

Allyssa Clayworth is a financial advisor at Merrill with a Series 66 designation and four years at the firm. She has previously worked at California State University, Sacramento, and San Joaquin Delta College. Clayworth’s background also includes roles at Woodbridge Golf & Country Club and Sycamore Lane Kennels. 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 plans, corporations, and charitable organizations.

Albert Solano is a Financial Advisor at Merrill Lynch Wealth Management, where he works closely with personal and business clients to help build, manage, and preserve their wealth. He focuses on understanding each client's unique situation to provide tailored financial strategies aimed at growth, stability, and long-term success. His expertise includes college education planning, family wealth management strategies, retirement planning, portfolio management, and tax minimization. Albert holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He earned his Bachelor's Degree from the University of California Davis. Albert is a member of the Folsom Rotary Club and the Woodland Chamber of Commerce. He is fluent in English and Spanish, and his personal interests include golfing, music, soccer, spending time with his family, traveling, and watching movies.

Thomas Cleary is a financial advisor with Merrill in Sacramento, CA, holding Series 65 and Series 66 licenses and 18 years of industry experience. He has been with Merrill since 2011. Outside of his advisory role, he serves as a successor trustee for a family trust. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Gregory Henderson Jr. is a Series 66-licensed financial advisor with Cambridge Investment Research Advisors in Sacramento, CA, where he has worked since 2008. He has 25 years of industry experience. Outside of his advisory role, he serves as a board member for the Carmichael SDA Church and works as an assistant golf coach. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing multiple platform arrangements and proprietary and third-party model strategies.

Victor Dillard is a financial advisor with Mass Mutual Investors Services in Sacramento, CA, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. His career includes long-term roles with Metlife Securities Inc and Metropolitan Life Ins Co since 1999, and he has been with Mass Mutual-related firms since 2016. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, employing firm-approved software and collaborative planning processes to deliver tailored recommendations.

Mark Johnson is a financial advisor with Edward Jones, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Prudential Overall Supply and several educational institutions. 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 through a nationwide network of financial advisors, offering various advisory programs and investment strategies under a fiduciary standard.

Jonathan Noel is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options, than is typical among large institutional advisers.

Justin Qvistgaard is a financial advisor with UBS Financial Services in Sacramento, CA, holding a Series 66 designation and three years of industry experience. He previously worked at Cambridge Investment Research Advisors, HI Financial, and other firms. His background also includes roles outside finance, such as positions at Boise State University and Davis Senior 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. The firm uses proprietary research and model-based asset allocations to tailor plans aligned with clients’ goals and risk tolerances.

Soraya Rodriguez is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing 21 years of industry experience. She has worked at Wells Fargo Bank NA since 2001 and has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s 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.

Joseph Walters is a CFP® professional with 25 years of industry experience, currently serving at Raymond James Financial. He has held roles at Legacy Wealth Management, Wells Fargo, and Morgan Stanley throughout his career. In addition to his advisory work, he is a minority owner and occasional consultant for a local business called Next Legacy. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, corporations, and institutional investors. The firm provides tailored, non-discretionary planning and utilizes analytical tools to support client goals, with specialized capabilities in municipal finance and tailored employer advisory programs.

Donna Goode is a Series 66-licensed financial advisor with Morgan Stanley in Sacramento, CA, where she has worked since 2009. She has 18 years of industry experience. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques.

Carolyn Mowlds is a financial advisor at Morgan Stanley with 47 years of industry experience. She holds a Series 63 designation and has been with Morgan Stanley since 2009, including her current role at Morgan Stanley Private Bank, N.A. since 2015. 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 focus on tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Megan Clauzel is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Northwestern Mutual and Troon Golf. Clauzel is employed by both J.P. Morgan Securities and JPMorgan Bank, enabling her to offer a range of bank products and services alongside her advisory role. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using quantitative asset-allocation modeling and a centralized due diligence process. The firm offers non-discretionary advice with a focus on ESG eligibility and access to a broad array of products through its unique registrations and affiliations.

Peter Scheid is a financial advisor with Morgan Stanley in Sacramento, CA, holding Series 63 and Series 65 licenses and possessing 38 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market outlook models.

Peter Jensen VI is a CFP® with 10 years of industry experience and has been with Edward Jones since 2015. He is based in Davis, CA, and holds a Series 66 license. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Shaini Lewis is a CFP® with 25 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. She previously worked at Ameriprise Financial Services, Inc. for 20 years. In addition to her advisory role, she leads and coaches financial advisors at Ascendant Wealth Management Group through The FISH20 Group, LLC. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research and modeling techniques to provide tailored, tax-efficient withdrawal strategies and income recommendations. The firm also delivers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Thomas Yamasaki is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo in various capacities since 1991. His current role at Wells Fargo Clearing began in 2016 following six years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s investment process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Thasany Meza is a financial advisor at Ameriprise with 13 years of industry experience. Meza holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2004. Outside of advisory work, Meza is involved with Fish2O, managing this business alongside advisory duties. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement, typically serving clients with at least $1,000,000 in net investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Wally Luu is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63, 65, and 66 licenses and 14 years of industry experience. His career includes roles at Bank of America, Merrill, Edward Jones, and other firms. Outside of his advisory work, he owns a sole proprietorship. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm combines in-house research and third-party analytics in its investment approach and offers a range of brokerage and advisory solutions.