Daniel Lowe is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been with Merrill since 1997 and brings 30 years of experience in the financial services industry. Daniel’s expertise includes corporate benefit programs such as equity compensation, defined benefit, defined contribution, and nonqualified deferred compensation plans. He focuses on integrating corporate benefits into clients' long-term financial strategies. Daniel holds a Bachelor's degree from the University of California, Berkeley. Prior to joining Merrill, he worked with Wells Fargo Bank in the 401(k) division, specializing in serving Spanish-speaking clients. He also spent three years at Financial Engines in Palo Alto as a Manager of Business Development. Daniel and his business partner, Jeff Nielsen, concentrate on wealth management for families and small businesses, with client focus areas including college education planning, family wealth management strategies, and investment consulting for defined contribution plans. Daniel’s professional designations include Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional work, he enjoys playing tennis, swimming, golf, and soccer.

Rory Barney is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in serving the high net worth market with personalized financial strategies. He leverages Merrill's wealth management process and a range of resources, alongside a team of outside professionals, to assist clients in achieving their personal and financial objectives. Rory's expertise includes insurance, estate planning strategies, retirement planning, and tax minimization, with a client focus on areas such as college education planning, divorce transition planning, executive compensation, employee benefits planning, and retirement income. Rory holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), Accredited Wealth Management Advisor (AWMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned an associate's degree from Yuba College and is a member of the National Association of Plan Advisors. A lifelong resident of Sacramento, Rory maintains strong community ties and is involved in financial literacy initiatives. His approach includes regular communication with clients to review goals, risk factors, and account performance, ensuring strategies remain aligned with clients’ evolving needs. Outside of his professional work, Rory enjoys boating, chess, swimming, and watching movies.

Laila Kassardjian is a financial advisor at Wells Fargo Clearing with 35 years of industry experience. She holds the Series 63 designation and has worked at Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Outside of her advisory role, she provides in-home supportive services to her elderly sister, assisting with grocery shopping, light housekeeping, and meal preparation. Wells Fargo Clearing offers retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, providing both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Michael Hogan is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Matthew Green is a Financial Consultant currently working at Fidelity Investments. He advises clients on improving their financial plans to align with their retirement goals. Matthew has held various roles in the financial services industry, including Investment Consultant at Fidelity Investments since 2021, Vice President - Investments and Private Client Advisor at J.P. Morgan Wealth Management from 2022 to 2024, and Financial Advisor at Northwestern Mutual from 2019 to 2021. He holds a California Insurance License. Outside of his professional work, Matthew enjoys baseball, camping, family activities, food-related interests, outdoor adventures, and swimming.

Tyler Charrette is a financial advisor at Ameriprise with six years of industry experience. He holds a Series 66 designation and has worked at several firms, including Pacer Financial, LPL Financial, and State Street Global Advisors. Ameriprise offers retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver personalized recommendation reports through a centralized consulting team.

Christina Krug is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and bringing 12 years of industry experience. She previously worked at Wells Fargo Advisors for 13 years and is currently associated with Legacy Wealth Management in a support role. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional entities. The firm offers tailored, non-discretionary planning and consulting using risk profiling and analytical tools, and maintains specialized services such as municipal advisory and SIMPLE IRA Employer Advisory programs.

Jayalalitha Ramamurthy is a financial advisor with Charles Schwab, holding a Series 66 designation and 19 years of industry experience. She previously worked at Wells Fargo Clearing from 2011 to 2019 before joining Charles Schwab in 2019. Outside of her advisory role, she is a co-owner of SIMBIZSOLUTIONS, a technology consulting company originally incorporated for tax purposes. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 combines a primarily non-discretionary client relationship model with access to affiliated discretionary separate managed accounts and offers a multi-asset investment approach supported by in-house research and alternative investment options.

Tracy Gunter is a CFP® professional with 18 years of industry experience, currently serving as a financial advisor at Edelman Financial Engines. Prior to joining Edelman Financial Engines, she worked at Smart Investor for 11 years. Edelman Financial Engines provides technology-enabled investment advisory services primarily focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and supports a large participant base through advisor-led and online offerings.

Briggs Matsko is a CFP® professional affiliated with OSAIC and has 49 years of industry experience. He worked at Lincoln Financial Advisors Corporation for 48 years before joining OSAIC in 2025. Matsko co-authored a book titled "Mastering Your Financial Success" and operates a consulting business providing process-led income distribution planning for financial services firms. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs. The firm employs various asset-allocation and portfolio management tools and supports multiple advisory platforms and legacy program transitions.

Matthew Hagans is a CFP® with 22 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC for seven years. Outside of his advisory role, he is an assistant water polo coach at Westpark High School in Roseville, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader set of financial product options, such as insurance-related vehicles and bank deposit sweep programs.

Charley Roberts is a financial advisor with Cetera and holds Series 63 and Series 65 licenses. He has 26 years of industry experience, including roles at LPL Financial, Next Financial Group, and Valic Financial Advisors. Outside of his advisory work, Roberts is also active as an artist and musician. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers diverse portfolio management and financial planning services, operating a multi-manager platform that supports a range of investment strategies under various program structures.

Tami Couch is a financial advisor with Morgan Stanley in Sacramento, CA, holding a Series 66 designation and four years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2019 and previously worked at Wise Auto Group and Momentum Auto Group. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Rick Hansen is a financial advisor with Robert W. Baird & Co. in Roseville, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with Robert W. Baird since 2009. His other business activities include ownership of real estate rental properties. He is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management department that serves individuals, corporate clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of financial planning, portfolio management, and brokerage services, utilizing manager-traded and model-traded strategies with ongoing manager selection and use of internal research tools.

John Kovalek is a financial advisor with Ameriprise Financial Service, LLC, holding a Series 66 designation and 19 years of industry experience. He has been with Ameriprise since 2006. Outside of advisory work, he serves as General Manager of FHL Operations, LLC, where he oversees management, strategic planning, budgeting, and operations. Ameriprise offers retirement-income planning services primarily for clients with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Michael Garner is a financial advisor at Wells Fargo Advisors with 26 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Morgan Stanley. He serves as treasurer for the Placer Food Bank in Roseville, California. Wells Fargo Advisors Financial Network offers investment and fee-based financial planning services to individuals, trusts, and institutional clients, providing a broad range of planning options supported by Wells Fargo research and tools.

James Feliz is a financial advisor at Ameriprise with seven years of industry experience. He holds a Series 66 designation and has worked at Ameriprise since 2025, following five years at Mass Mutual Investors Services and MassMutual Life Insurance, and three years at Clavis. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on tax-aware withdrawal strategies and dependable income sources for clients in or approaching retirement.

Drew Gee is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has five years of industry experience, including roles at MassMutual Life Insurance Company and various MassMutual affiliates since 2019. Prior to his financial advisory career, he worked at Saint Mary's College of California in both the Athletic Department and other capacities. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring client engagements as annual collaborative relationships focused on goal analysis and written recommendations.

Logan Ahlf is a financial advisor at Fidelity with eight years of industry experience. He holds a Series 66 designation and has worked at Fidelity Investments since 2021, following prior roles at Equitable Advisors and AXA-Advisors. Before his advisory career, he was involved with the UCSB Rugby Club and attended the University of Santa Barbara. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm combines fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

Melvin Whitlock Jr. is a financial advisor with Primerica Advisors in Rancho Cordova, CA, holding Series 63 and Series 65 licenses and having 12 years of industry experience. He has been with Primerica Advisors since 2013 and is also involved with the California Transplant Donor Network. Outside his advisory role, he participates in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.