Joshua Dewitt is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds Series 63 and Series 65 designations and has been with Wells Fargo-related entities since 2010, including Wells Fargo Advisors LLC and Wells Fargo Bank NA. Outside of his advisory role, he serves as a co-trustee managing a family trust. 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 investment approach 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.

Jerry Newman is a financial advisor with Edward Jones in Granite Bay, CA, holding Series 63 and Series 66 credentials and 28 years of industry experience. He has been with Edward Jones since 1997. Outside of his advisory role, he has no recorded responsibilities in other business activities. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies supported by a nationwide network of more than 23,700 financial advisors and 15,000 branches.

Caleb Deats is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His previous work experience includes roles at Starbucks and In-N-Out Burger. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, with a focus on discretionary portfolio management and fund advisory. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and is registered with the CFTC as a commodity pool operator.

Jack Wolger is a financial advisor at Edward Jones in Sacramento, CA, holding a Series 66 designation with three years of industry experience. His prior roles include positions at Berkeley Innovation Group and Bloom Energy. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Jessica Williams is a financial advisor at Morgan Stanley with 24 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009 and holds the Series 66 designation. Outside of her advisory role, she is involved in managing rental properties in Sacramento, California, and Meridian, Idaho. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, using structured planning tools and a range of advisory programs.

Frank Holloway is a CFP® and ChFC® with 32 years of experience in the financial services industry. He has worked at LPL Financial since 2002 and held leadership roles at Solano Wealth Management, Inc. and Solano Wealth Investment Advisors, LLC. Outside of his advisory work, he incorporated an investment services company for tax purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies in its investment approach.

Aaron Schmoekel is a CFP® professional with 26 years of experience in the financial industry. He is currently with Edelman Financial Engines and has previously worked at Smart Investor and Linsco Private Ledger. Outside of his advisory work, he serves as a board member for the Woodland Healthcare Foundation and is treasurer of the Woodland Sunrise Rotary Club. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios and supports a large client base through both advisor-led and online offerings.

Anthony Nye is a CFP® with 30 years of industry experience, currently serving at Morgan Stanley in Folsom, CA. He previously worked at UBS Financial Services for 17 years before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutional clients, with approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery conversations and firm-approved tools, including Global Investment Committee return estimates and Monte Carlo simulations, focusing on advisory services without providing individual security recommendations in standalone planning.

Matthew Larsen is a financial advisor with Edward Jones in Sacramento, CA, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has been with Edward Jones since 2002. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a wide range of advisory programs and investment solutions, supported by a large network of approximately 23,701 financial advisors nationwide.

Lisa Monsour is a financial advisor at Wells Fargo Clearing with 33 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Wells Fargo firms since 2011, including her current role at Wells Fargo Clearing since 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering a range of non-discretionary and discretionary services tailored to plan objectives and demographics. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Christopher Cottrell is a financial advisor with Osaic, holding the CFP® and Series 63 designations and bringing 10 years of industry experience. He has worked at Woodbury Financial Services and Questar Capital, and he is a partner at Hoppe & Cottrell LLP, a CPA and tax advisory firm serving individual and business clients. He is also a partner at Hoppe Cottrell Advisors LLC, involved in the sales and service of fixed insurance products. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and advisory services, employing asset allocation tools and offering portfolios that include a range of investment types managed on both discretionary and non-discretionary bases.

Yan Evans is a Vice President and Financial Consultant at Fidelity Investments, a position held since 2019. In this role, Yan works closely with clients to understand their unique financial situations and develop tailored plans to address their goals and uncertainties. Yan has extensive experience in the financial services industry, having held roles as a Financial Advisor at Morgan Stanley from 2017 to 2019 and at Edward Jones from 2016 to 2017. Prior to that, Yan was a Brokerage Associate at Wells Fargo Advisors between 2012 and 2016, and served as an Associate Vice President at Aviva Insurance from 2008 to 2011. Yan holds a California Insurance License. Outside of work, Yan is interested in camping, hiking, running, skiing, traveling, and volunteering.

Therynn Winberry is a financial advisor at Equitable Advisors with one year of industry experience and holds the Series 66 designation. Prior to joining Equitable Advisors, Winberry has worked in various roles including positions at Instacart and Butte College. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model and provides both advisory and brokerage/insurance channels to execute client recommendations.

Itzel Gonzalez Diaz is a financial advisor at Ameriprise with four years of industry experience. She holds a Series 66 designation and has worked at Ameriprise since 2020. Prior to her advisory role, she was employed at Target and attended California State University, Sacramento. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement income planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Joshua Sanchez is a financial advisor with Merrill in Folsom, CA, holding a Series 66 designation and four years of industry experience. His work history includes positions at Bank of America, Merrill, and Wells Fargo, as well as involvement in roles outside finance such as with Grateful Bread. 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Peter Wertz is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2014. He has been in the financial services industry for over 24 years, during which he has worked with clients and families to assist them in achieving their financial goals. He emphasizes wealth planning and maintaining lifelong relationships with clients. Peter's professional experience includes multiple roles within Fidelity Investments, progressing from Customer Service Associate in 2006 to his current role. Prior to joining Fidelity, he worked as a Personal Banker at Wells Fargo from 2000 to 2006. He holds a California Insurance License. Outside of his professional work, Peter enjoys outdoor activities such as biking, camping, hiking, kayaking, as well as sports including soccer and table tennis.

Hoa Phan is a financial advisor with Merrill in Sacramento, CA, holding a Series 66 designation and one year of experience at Merrill and Bank of America combined. Her prior experience includes six years at Square Direct Communication Group and involvement with the City Barbering & Cosmetology Apprenticeship Committee. 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.

Patrick Hassna is a financial advisor at Stifel with 33 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Stifel since 2007. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm’s investment approach relies on proprietary methodologies with forward-looking capital market assumptions developed by its Investment Strategy Group.

Aaron Johnson is a Branch Leader at Fidelity Investments' Sacramento Investor Center, where he leads a team of Financial Consultants dedicated to co-creating personalized financial plans tailored to clients' unique needs. His focus is on assisting clients with their financial planning to facilitate a smooth transition into and through retirement. Aaron has extensive experience in the financial services industry, having held various roles including VP positions at Wells Fargo Advisors, where he was involved in affluent business management, financial advisor productivity consulting, and affluent segment leadership. His career in financial advising began at E*Trade Financial and has spanned over two decades. He holds a California Insurance License. Outside of his professional work, Aaron enjoys fitness activities such as golf, hiking, running, skiing, and traveling.

Kaitlin Mc Mullan is a CFP® and holds a Series 66 license with four years of industry experience. She has worked at Wells Fargo Clearing since 2026 and previously spent four years at Edward Jones. Kaitlin’s background also includes roles outside the financial industry, such as teaching with Vipkid. 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, using research and analytics grounded in diversification principles and modern portfolio theory.