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.

Kyle Smith is a financial advisor at Osaic Wealth, Inc. based in Sacramento, CA, holding a Series 66 license with two years of industry experience. He has previously worked at Securities America, Inc., CFS Wealth Advisors, LLC, and CliftonLarsonAllen. In addition to his advisory work, Kyle provides term life insurance and fixed annuities as a licensed life insurance agent and offers tax preparation and planning services. Osaic Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, institutions, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party solutions to manage portfolios across various asset classes.

Janos Miszti is a financial advisor at OSAIC with eight years of industry experience. He holds a Series 66 designation and has worked at Royal Alliance Associates since 2018, following a year at Sii. Outside of his advisory work, he operates a small photography business specializing in senior portraits, events, and weddings, and volunteers as a STEM teacher at a local school. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm employs a range of investment tools and third-party services to construct diversified portfolios tailored to clients’ needs.

Kurt Hoffmann is a financial advisor at Charles Schwab with 11 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. since 2018. Prior to that, he spent one year at InterWest Insurance Services, LLC. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options using multi-asset model portfolios and centralized custody and supervisory arrangements.

Robert Dewhurst is a financial advisor with Wells Fargo Clearing in El Dorado Hills, CA, holding a Series 66 designation and 20 years of industry experience. His career includes over 17 years with Wells Fargo Bank and multiple roles within Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, retirement plan consulting, and brokerage solutions to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and utilizes research and analytics from Wells Fargo Investment Institute alongside third-party data to support its investment approach.

Mark Stevenson is a financial advisor at Morgan Stanley with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at firms including Fidelity Investments, Wells Fargo, and J.P. Morgan Securities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured tools and models client outcomes but does not provide individual security recommendations as part of standalone plans.

Jeffrey Impey is a CFP® with 20 years of industry experience, currently serving as a financial advisor at Ameriprise since 2024. His prior experience includes 15 years at LPL Financial and Safe Credit Union, as well as roles at Chase Investment Services and Morgan Stanley. Ameriprise Financial Services is a large, diversified advisory firm that serves both individual and institutional clients, offering a specialized Premier Retirement Income service with written Recommendation Reports and ongoing retirement planning advice focused on income sources and tax-aware withdrawal strategies.

Michael Rodegerdts is a financial advisor at Ameriprise with 24 years of industry experience and holds the Series 66 designation. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of advisory work, Rodegerdts serves on the board of directors for Yolo Farm to Fork and is involved in several non-investment-related business entities. Ameriprise Financial Services is a large diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services that focus on dependable income sources and tax-aware withdrawal strategies.

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 licenses and 13 years of industry experience. He has worked at Bank of America and Merrill since 2016 and at Wells Fargo Clearing from 2013 to 2016. Outside of his advisory role, he is a co-trustee of a revocable living 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. The firm offers both model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth individuals, pension plans, corporations, and charitable organizations.

Steven Liaty is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and 28 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent six years at Morgan Stanley DW Inc. 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 provides both brokerage and advisory solutions.

Michael Lewis is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. He has 40 years of industry experience, including seven years with Osaic FA, Inc., and has been with Cambridge since 2008. Outside of his advisory role, he operates as an independent insurance agent and has provided tax preparation services since 1985. 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 advisory services through a network of independent professionals, utilizing various investment platforms and both proprietary and third-party model strategies.

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.