Craig Miyamoto is a financial advisor at Edward Jones with 25 years of industry experience. He holds the CFP® and ChFC® designations and has been with Edward Jones since 2000. Earlier in his career, he worked as a golf instructor. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment options supported by a large national network of advisors and branch offices.

Galang Nguyen is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding a Series 66 designation and six years of industry experience. He previously worked at Bank of America, N.A. and Merrill from 2015 to 2022 before joining Wells Fargo Clearing in 2022. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with services tailored to plan objectives and demographics, and includes a broader set of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Norielle Gottschalk is a CFP® professional with 15 years of industry experience, currently serving as a financial advisor at Ameriprise since 2011. She holds the Series 66 designation and is based in Sacramento, CA. Outside of her advisory role, she has involvement in non-investment-related real estate ownership. Ameriprise is a large institutional firm offering retirement-income planning services targeted at individuals nearing or in retirement, combining research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary recommendations.

Steven Deelstra is a Wealth Management Advisor and Senior Portfolio Manager at Merrill Lynch Wealth Management, where he is a principal of The Deelstra Group. Drawing on the group’s longstanding history since 1974, Steven and his team provide wealth management services focused on asset management and estate planning for individuals and corporations across the United States and Western Europe. He manages personalized and defined investment strategies on a discretionary basis, incorporating individual securities, model portfolios, and third-party strategies. Steven joined Merrill Lynch Wealth Management in 2001. Prior to that, he worked in business development and mergers and acquisitions for a publicly traded internet search company in Seattle. He holds a Bachelor’s degree from Loyola Marymount University and is a graduate of Jesuit High School in Sacramento. Steven is also a Certified Financial Planner (CFP) and a Personal Investment Advisor. He volunteers as a mentor within the CFP Board Mentoring Program. Outside of his professional role, Steven and his wife, Sarah, are involved in supporting nonprofit organizations within their community. He enjoys skiing, cycling, painting, and surfing, and spends time attending his children’s athletic activities.

Rani Pettis is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding CFP®, Series 63, and Series 65 designations and bringing 28 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and previously with 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 investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options within its investment menus.

Jeffrey Earle is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds a Series 66 designation and has worked at various Morgan Stanley entities, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Secular Return Estimates and Monte Carlo simulations to model financial outcomes.

Garrett Beam is a financial advisor with Wells Fargo Clearing in Sacramento, CA, holding Series 63 and Series 66 licenses and three years of industry experience. Prior to his current role, he worked at Wells Fargo Bank, Raleys, BLIMPIE’s Sandwich Shop, and River City High School. 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 approximately $671 billion in assets and uses research and analytics to guide investment recommendations, offering both discretionary and non-discretionary retirement plan services.

John Matzoll is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial strategies tailored to their individual goals and the evolving market conditions. His approach integrates the investment insights of Merrill and the banking and lending resources of Bank of America to deliver comprehensive wealth management solutions. John holds several professional designations, including Chartered Financial Analyst (CFA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Bachelor's Degree from the University of Nevada - Reno and a Master's Degree from the University of California, Davis. In addition to his professional work, John is engaged in community service and dedicates time to volunteering with organizations in the communities he serves, reflecting the Merrill tradition of active community participation.

Peter Parla II is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 12 years of industry experience. He has been with Wells Fargo-affiliated firms since 2012, including Wells Fargo Bank NA and Wells Fargo Advisors LLC. Outside of his advisory role, he is an independent distributor for Amway. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm combines both brokerage and advisory solutions, using research and analytics to support investment decisions across a large platform of more than 14,000 financial advisors.

Elise Chu is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Morgan Stanley since 2017, following two years at Rabobank, N.A. Outside of her advisory role, she is the sole proprietor of a revocable trust involved in real estate activities. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and advanced investment models in its financial planning process.

Jon Yager is a financial advisor at Fidelity with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has worked across multiple Fidelity divisions since 1996. Outside of his advisory role, he operates Jon Yager Photography, offering fine art and portrait photography services. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of portfolios and fund advisory services.

Scott Collard is a financial advisor with Morgan Stanley in Sacramento, CA, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. He has been with Morgan Stanley since 2016 and previously worked as a self-employed advisor for over three decades. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning facilitated by firm‑approved tools and analysis methods. The firm manages approximately $2.74 trillion in client assets and offers its services both directly and through corporate financial planning agreements.

Nicole Davis is a Series 66-licensed financial advisor with Edward Jones, where she has worked since 2013. She has 18 years of industry experience. Outside of her advisory role, she owns and maintains a rental property in Wentzville, Missouri. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Colin Fajardo is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo in various capacities since 2004, including roles at Wells Fargo Advisors LLC and Wells Fargo Bank, 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.

Rodolfo De La Riva is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC and a long tenure with Wells Fargo Bank, N.A. In addition to his advisory role, he works part-time as a cashier at Chevron Stations Inc. 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.

David Ambrose is a CFA® charterholder with eight years of industry experience. He is currently with Wells Fargo Clearing and previously worked at Bank of America, Merrill, PetDesk, ValTea, Digital Operative Inc, and San Diego State University. Wells Fargo Advisors is a national securities firm that provides 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.

Daniel Paden is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Outside of his advisory role, he serves as an assistant basketball coach for the Buckeye School District in El Dorado Hills, CA. 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. Their approach is IPS-driven and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Tonya Hernandez is a Series 66-licensed financial advisor with Wells Fargo Clearing in Sacramento, CA. She has one year of industry experience and has held previous roles at Edward Jones, Oracle Corporation, and Wells Fargo Bank. Hernandez is also involved with Algo Bueno LLC outside of her advisory work. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Ireneo Abot III is a financial advisor with Wells Fargo Clearing in Folsom, CA, holding Series 63 and Series 65 licenses and possessing 12 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and held prior roles at Wells Fargo Advisors LLC and Wells Fargo Bank NA. 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 grounded in modern portfolio theory. The firm’s approach includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options, and it acts as an ERISA fiduciary when providing investment advice.

Joseph Hinojos is a financial advisor at Ameriprise in Sacramento, CA, with 20 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and Ameriprise Financial Services, Inc. since 2006. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes a written Recommendation Report and ongoing advice focused on income sources and tax-aware withdrawal strategies.