Jason Fass is a financial advisor with Cetera who holds the Series 66 designation and has eight years of industry experience. He has worked at firms including Hilltop Securities Inc and Avantax Advisory Services before joining Cetera in 2025. Fass also operates Fass Wealth Strategies Group, a marketing name for a group of registered representatives providing financial advisory, retirement planning, and wealth management services. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Sulaiman Zamanudin is a CFP® professional with 13 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He has been with Wells Fargo Bank NA since 2004. Wells Fargo Advisors is a national securities firm providing 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.

Amy Loring is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 28 years of industry experience. She has previously worked at Robert W. Baird & Co. for 11 years and D.A. Davidson & Co. for one year before joining Wells Fargo Clearing in 2021. Wells Fargo Clearing provides retirement plan consulting services 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 incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Daniel Vetter is a CFP® with 28 years of experience in the financial industry. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years at Wells Fargo Investments, LLC, and six years at Banc of America Investment Services, Inc. Outside of his advisory work, he is involved as a youth baseball umpire and co-owns a business that manufactures and markets baseball strike zones. 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 from Wells Fargo Investment Institute and third-party databases.

Gregory Pelechowicz is a Financial Advisor with Merrill Lynch Wealth Management. With over 25 years of experience, Greg focuses on guiding individuals and families to empower their financial future through professional guidance designed to grow, preserve, and manage wealth. He takes the time to understand clients' priorities and helps develop short-, mid-, and long-term financial goals. Greg specializes in areas including college education planning, family wealth management strategies, managing new wealth, personal retirement planning, tax minimization, and retirement income. He offers clients access to investment insights from Merrill and banking services through Bank of America specialists, covering banking, credit, home financing, and small business solutions. Greg holds a Personal Investment Advisor (PIA) designation and earned his high school diploma from Marysville High School. Outside of his professional role, he enjoys spending time with his family, traveling, and engaging in activities such as baseball, basketball, camping, football, golfing, and hiking.

Reid Allen is a CFP®-certified financial advisor at OSAIC with 31 years of industry experience. His prior roles include positions at Woodbury Financial Services, Inc. and Questar Asset Management. Additionally, he operates a sole proprietorship, Next Level Advisors, where he provides client data gathering, research, and application support related to investment products. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers a range of brokerage and advisory services utilizing asset-allocation tools and third-party platforms to construct and manage portfolios on both discretionary and non-discretionary bases.

Nicholas Brown is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he and his team apply their expertise to assist families, businesses, and foundations in managing wealth’s complexities and opportunities. They focus on delivering a proactive and tax-efficient investment process covering short-, intermediate-, and long-term retirement income planning. Nick supports clients through discretionary management of customized investment strategies, utilizing Merrill Lynch model portfolios and third-party options, with services including retirement income and projection analysis, tax minimization, 401(k) rollovers, estate planning, education funding, and charitable giving. Nick began his financial services career in 2017 at Forester’s Financial, developing strategies for public service professionals including teachers, firefighters, and police officers. He holds a bachelor’s degree from the California State University system and the professional designations of CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) and Personal Investment Advisor (PIA). He is a past president of the Active 20-30 Club of Sacramento No. 1, a charitable organization addressing the needs of underprivileged children, and actively participates in community service through Habitat for Humanity and as an Eagle Scout. Outside of his professional role, Nick lives in Folsom with his wife and dog. His personal interests include traveling, golfing, spending time with family, and supporting the Green Bay Packers.

Carter Persily is a financial advisor with Robert W. Baird & Co., holding a Series 66 designation and one year of industry experience. His prior work includes roles at Sacramento State University and GameStop. He is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management practice that serves individuals, families, pensions, corporations, and institutional clients. The group offers tailored consulting and portfolio services, including discretionary and non-discretionary management, utilizing a range of investment strategies and overlay services.

Steve Heng is a CFP® professional with 33 years of industry experience, currently serving as a financial advisor at Robert W. Baird & Co. since 2020. His previous roles include positions at Wells Fargo Clearing and Wells Fargo Investments, LLC, where he worked from 2001 to 2020. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management department, which serves individuals, corporate and business clients, pension and profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, discretionary and non-discretionary portfolio management, and separately managed account programs, utilizing both internal research and external partnerships to deliver advisory solutions.

Jayne Auble is a financial advisor with Morgan Stanley in Sacramento, CA, holding a Series 66 designation and six years of industry experience. She has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2019 and was previously employed at Insight Global from 2014 to 2019. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning that uses structured discovery conversations and firm-approved tools to model outcomes. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Kevin Zeitler is a financial advisor with Stifel in Roseville, CA, holding a Series 63 designation and over 43 years of industry experience. He has been with Stifel since 2011. Outside of his advisory role, Zeitler is involved in several community and volunteer activities, including serving as a preacher at First Christian Church in Corning and holding leadership roles with the Oroville Chamber of Commerce, Oroville Recreation Advisory Committee, and local service clubs. Stifel serves a wide range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning guidance.

Larry Galia is a financial advisor at Cetera with 25 years of industry experience. He holds a Series 66 designation and has been with Cetera Wealth Services, LLC since 2013. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual clients, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Michael Sebesta is a financial advisor at LPL Financial with 39 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 66 licenses. Prior to joining LPL Financial in 2006, Sebesta worked at Northwestern Mutual Wealth Management Company and Northwestern Mutual Investment Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, and institutions. The firm offers a range of financial planning and investment management solutions, including model portfolios, third-party asset management, and institutional platforms.

Cristina Jurado Smith is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. She holds Series 63 and Series 65 designations and has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a broad range of investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Heather Djuric is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. She holds the Series 66 designation and previously worked at Morgan Stanley from 2014 to 2018. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors, providing both brokerage and advisory solutions.

Kenneth Mc Cready is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2017. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a wide range of advisory programs, including tailored financial planning utilizing firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and provides financial planning services supported by its Financial Advisors and Estate Planning Strategies Group.

Roshana Ahmadzai is a financial advisor at Morgan Stanley in Roseville, CA, holding a Series 66 designation with two years of industry experience. Prior to joining Morgan Stanley, she worked at Centene Corporation, Aerotek, and CVS Pharmacy. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with tailored financial planning and a range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and market-based simulations as part of its financial planning process.

Kristin Tangen is a financial advisor at Wells Fargo Clearing with 37 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following a 10-year tenure at Wells Fargo Investments, LLC. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

James Yancey is a CFP® and Series 66-licensed financial advisor with seven years of industry experience. He has worked at Equitable Advisors since 2026 and previously spent seven years at Edward Jones. Before his financial advisory career, he worked for three years at Sacramento Municipal Utility District. Equitable Advisors serves a range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives. The firm uses a combination of firm-offered programs and third-party asset managers to tailor investment approaches based on client risk tolerance and goals.

Jacob Locke is a financial advisor with Edward Jones in Folsom, California, holding a Series 66 credential and one year of industry experience. Prior to joining Edward Jones, he spent ten years working with the Folsom Cordova Unified School District. Edward Jones is a full-service wealth management firm that serves over four million individual and institutional clients. The firm offers a range of advisory strategies and affiliated investment products, operating under a fiduciary standard and supported by a nationwide network of more than 23,700 financial advisors.