Emily Medeiros is a financial advisor with Ameriprise in Sacramento, CA, holding Series 63 and Series 65 licenses and 15 years of industry experience. She has been with Ameriprise and its affiliate since 2014. Medeiros serves on a local Parks and Recreation District citizens oversight committee related to the use of bond funds. Ameriprise is an institutional firm offering a retirement-income planning service for clients generally holding at least $1 million in investable assets. The firm provides advisory, brokerage, and insurance solutions, combining research, modeling, and tax-efficient strategies to deliver non-discretionary retirement income recommendations.

Erika Pandy is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, she provides advisory and wealth management services to clients, including affluent families, professionals, business owners, and corporate executives. Erika’s practice focuses on areas such as divorce transition planning, retirement income, portfolio management services, and support for endowments, foundations, and defined benefit plans. Her professional and educational background supports her expertise in financial advising. Erika holds an MBA from Saint Joseph’s University and a Bachelor of Arts from LaSalle University. She has earned several professional designations, including Certified 401(k) Professional (CKP), Chartered Retirement Planning Counselor™ (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). She is conversant in English and Italian. Outside of her professional responsibilities, Erika is engaged in community activities in Philadelphia. She is involved with organizations such as the Delaware Valley Youth Athletic Association and Saint Pio Catholic School. Her personal interests include spending time with her family, reading, and baseball.

Michael Baril is the Vice President Private Wealth Management Advisor. He provides strategic planning and consulting on complex wealth planning topics, focusing on helping clients integrate their workplace benefits with their personal financial goals to pursue financial wellness. He places importance on understanding his clients, their families, and all aspects of their lives. Michael has held various roles in the financial industry, including Vice President, Executive Planning Consultant at Fidelity Investments since 2018. He has previously worked as a Senior Wealth Advisor at Reilly Financial Advisors (2017-2018), Wealth Manager at USAA Wealth Management (2011-2016), Vice President, Wealth Advisor at J.P. Morgan Chase (2009-2011), Financial Advisor at Morgan Stanley (2008-2009), Vice President at Bear Stearns & Co. (2006-2007), Associate at J.P. Morgan (2003-2006), Financial Consultant at Merrill Lynch (2000-2002), Trader at Ameritrade (1999-2000), Financial Advisor at Equitable (1998-1999), and Trader at Fidelity Investments (1997). He holds a California Insurance License.

Joseph Evans is a financial advisor at Cetera with 37 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Morgan Stanley and D.A. Davidson & Co. He is the owner of Evans Wealth Management, where he provides holistic wealth advice and investment management. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. Its investment approach includes discretionary and non-discretionary portfolio management with access to a variety of third-party managers and model portfolios.

Tarunjit Ahluwalia is a financial advisor at Fidelity with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at JP Morgan Securities LLC, Merrill, and Bank of America. Outside of his advisory role, he is listed as the president of a limousine transportation business, A-1 Limo Service Inc, though he has no active duties there. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing proprietary research, quantitative analysis, and algorithmic portfolio construction to manage diverse investment portfolios.

Joanne Nuguit is a financial advisor at Morgan Stanley in Folsom, CA, holding a Series 66 designation with 11 years of industry experience. She has been with Morgan Stanley since 2013. Outside of her advisory role, she is co-owner of a computer and networking technical support business, Foothill Technical Solutions, where her husband is the primary owner. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and includes services such as personalized financial plans without individual security recommendations as part of standalone programs.

James Kirwan is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 licenses and bringing 50 years of industry experience. Prior to joining Ameriprise in 2020, he worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. He serves on the Board of Directors for the American Diabetes Association Nor Cal. Ameriprise offers retirement-income planning services targeting individuals with significant investable assets, combining research-driven, model-based recommendations with tax-efficient strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Leo Kay is a financial advisor with Merrill in Citrus Heights, CA, holding a Series 66 designation and 17 years of industry experience. He has worked at Bank of America and Merrill since 2014. Outside of his advisory role, he serves as successor trustee for a family living trust. Merrill, along 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 supports individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Jagger Saca is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he was involved with FILCO Inc. and attended Loyola Marymount University. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of financial advisors and branch offices.

Alex Dutra is a financial advisor with Edward Jones in Folsom, CA, holding a Series 66 designation and 16 years of industry experience. His prior experience includes a 22-year tenure at Merrill Lynch (Bank of America) before joining Edward Jones in 2025. 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 through a nationwide network of over 23,700 advisors and offers a range of advisory programs and investment solutions under a fiduciary standard.

Jordyn Johnson is a financial advisor with Wells Fargo Clearing, holding Series 66 and Series 63 credentials and seven years of industry experience. Prior to joining Wells Fargo Clearing in 2026, Johnson worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. from 2021 to 2026. Outside of financial services, Johnson was involved with Now Boarding LLC and had experience with LuLaRoe and JT Basque Restaurant. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and combines research from Wells Fargo Investment Institute with third-party analytics to support a diversified investment approach.

Matthew Buschow is a financial advisor with Morgan Stanley in Sacramento, CA, holding Series 65 and Series 63 licenses and having three years of industry experience. His prior work includes roles at Wells Fargo Clearing, Wells Fargo Bank, the Law Offices of Robin C. Bevier, and ownership of the Wild Goose Tavern. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies to address client needs.

Alexandra Telaro is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 13 years of industry experience. She previously worked at Morgan Stanley Smith Barney LLC from 2016 to 2018 before joining Wells Fargo in 2018. Alexandra serves as the chairperson of the Junior League of Sacramento's endowment fund and is a trustee for the Sacramento County Employees' Retirement System. Wells Fargo Advisors provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, including pension and charitable organizations. The firm manages roughly $671 billion in assets with over 14,000 financial advisors and offers both brokerage and advisory solutions.

Joshua Pelz is a financial advisor with Morgan Stanley in Sacramento, CA, holding Series 63 and Series 66 licenses and 16 years of industry experience. His prior experience includes roles at Merrill and Bank of America. He serves as a board member of the Rotary of Sacramento’s foundation, where he participates in decisions regarding community support funds. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s approach involves structured discovery and planning tools without individual security recommendations as part of its standalone planning services.

Mark Ward is a Senior Financial Advisor at Merrill Lynch Wealth Management in Sacramento, CA. In this role, he specializes in tailoring financial strategies for individuals, families, and businesses. His approach emphasizes understanding clients’ priorities and goals through thoughtful questions and meaningful conversations to develop personalized investment strategies. He continuously updates these strategies to help clients maintain progress toward their financial objectives amidst changing market conditions and life circumstances. Mark’s areas of focus include Family Wealth Management Strategies, Investment Consulting for Defined Contribution Plans, Managing New Wealth, Personal Retirement Planning, Portfolio Management Services, Individual and Corporate Investment Strategy, Tax Minimization, and Retirement Income. He holds the Personal Investment Advisor (PIA) designation and earned his education from the University of Colorado. In addition to his professional work, Mark participates in community service activities and volunteers with the Ronald McDonald House Charities. Outside of his advisory role, he enjoys adventure sports, boating, fishing, football, skiing, and swimming.

Theresa Goldsmith is a financial advisor with Cetera, holding a Series 63 designation and 38 years of industry experience. She has worked at Cetera and its affiliated entities since 2012, including First Allied Advisory Services and First Allied Securities. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, employer-sponsored, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a multi-manager platform with a variety of portfolio management options and serves over 800,000 clients with more than $256 billion in assets under management.

Jon Pierre Evans is a financial advisor with Morgan Stanley in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. His career includes multiple roles at Morgan Stanley since 2018 and prior experience at Merrill from 2014 to 2018. Outside of advising, he is involved with SMS Ventures, LLC, a real estate business based in Las Vegas. Morgan Stanley Wealth Management offers a broad range of advisory services to individuals and institutional clients, emphasizing tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in assets and provides access to diversified investment programs alongside estate planning strategies.

Justin Perry is a financial advisor with Merrill in Roseville, California, holding a Series 66 designation and eight years of industry experience. He has worked at Bank of America and Merrill since 2018 and previously spent a year at Farmers and Merchants Bank. Outside of finance, he serves as an officer for Fete Today, Inc., a family wine and grape business, and participates in the Lincoln Technical Academy CTE Business and Finance Committee. Merrill, along 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 a range of clients, including individuals, high-net-worth clients, and institutional investors.

Ryan Kelly is a financial advisor with Cambridge Investment Research Advisors based in Rocklin, CA. He holds a Series 66 designation and has 18 years of industry experience. Prior to joining Cambridge, he worked at SAFE Credit Union and LPL Financial for 11 years. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement-plan sponsors, and charitable organizations, offering financial planning and investment management through a network of independent professionals. The firm provides a range of investment solutions tailored to client objectives, including proprietary models and access to third-party strategists.

Alexander Salidas is a financial advisor at Morgan Stanley with six years of industry experience. He has worked at several firms including Thornburg Securities, Franklin Templeton Investments, and Bank of America. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides planning services through its Financial Advisors and Estate Planning Strategies Group.