Timothy Johnson is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, he serves as a power of attorney for a family member and as a trustee for the Johnson Family Trust. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and includes both discretionary and non-discretionary services, with a notable focus on incorporating insurance-related products alongside traditional investment options.

John Lebeau is a financial advisor at Wells Fargo Clearing with 39 years of industry experience. He holds the Series 63 designation and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and uses research and analytics from its Investment Institute and third-party sources to guide investment decisions.

Philip Kong is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 13 years of industry experience. His prior work includes positions at LPL Financial, Wells Fargo Clearing, and U.S. Bancorp Investments. He is also involved in a direct sales and multi-level marketing business. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services on a multi-manager platform with over $256 billion in assets under management.

George Chavez is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 66 registrations. He has 30 years of industry experience, including roles at Merrill, JPMorgan Chase, and Wells Fargo Clearing. Outside of his financial career, he volunteers as a catechist aid for the Cathedral of the Blessed Sacrament, assisting with youth religious programs. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, annual planning engagements using firm-approved tools to analyze client goals.

Jacob Meisch is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds a Series 66 credential and has worked at Wells Fargo Advisors LLC from 2009 to 2016 prior to joining Wells Fargo Clearing, where he has been since 2016. Outside of his advisory role, he is involved in managing multiple rental properties. 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 provides both brokerage and advisory solutions, utilizing research and analytics from Wells Fargo Investment Institute and third-party sources.

Vishal Patel is a financial advisor with Morgan Stanley in Sacramento, CA, holding Series 63 and Series 66 licenses and 15 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Wells Fargo in various advisory capacities. Outside of financial services, he is a silent investor in hospitality businesses in Gulf Shores, Alabama. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individuals and institutions with a range of advisory and financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and models to support client financial goals.

Shari Merle is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 37 years of industry experience. She has worked with Linsco/Private Ledger since 2001. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, and institutions, offering financial planning, advisory programs, and brokerage services through a national network of investment adviser representatives.

Jaime Barretta is a financial advisor with LPL Financial in Folsom, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has been with LPL Financial since 2011. Outside of his advisory role, he is involved with Barretta Wealth Management, Inc., which focuses on life, disability, long-term care insurance, and fixed annuities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement plan consulting services, utilizing both discretionary and non-discretionary management alongside model portfolios and research.

Nancy Fletcher is a financial advisor at OSAIC with 41 years of industry experience. She holds a Series 63 designation and previously worked for Lincoln Financial Advisors Corporation for 40 years. Outside of her advisory role, she acts as an insurance agent offering fixed and indexed annuities, long-term care insurance, and traditional life insurance products. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and third-party solutions to manage a wide range of investment portfolios.

Laura Scruggs is a financial advisor at Wells Fargo Clearing with eight years of industry experience. She holds a Series 66 designation and has worked at Merrill and Wells Fargo Advisors in various capacities since 2012. 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 roughly $671 billion in assets and supports clients through a combination of brokerage and advisory solutions.

Jonathan Benecke is a CFP® professional with seven years of industry experience. He is currently with Ameriprise and previously worked at Edward Jones and Mi-Jack Products Inc. He serves on the Board of Directors for the Northstate BIA Affiliate Council. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Paul Chavez is a financial advisor with Wells Fargo Advisors in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked within various Wells Fargo entities since 2011, including Wells Fargo Clearing and Wells Fargo Advisors LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services covering areas such as retirement, education, and special situations, using proprietary research and planning tools to develop tailored recommendations.

Chris Marovich is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and possessing 31 years of industry experience. He has been with Cambridge Investment Research Advisors since 2015 and also operates Retirement Design Group, where he has been active for over 19 years. In addition to his advisory role, he works as an independent insurance agent for various companies. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm offers a range of financial planning and investment management services through independent Financial Professionals, utilizing both proprietary and third-party model strategies and multiple custody platforms to tailor investment approaches to client goals.

Qianqian Sheng is a financial advisor at J.P. Morgan Securities with four years of industry experience. Sheng holds Series 66 and Series 63 licenses and has worked at several major financial institutions, including Bank of America Corporation and Merrill. Prior to entering the financial sector, Sheng held positions at Apple/Volt Information Sciences and Target. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, delivering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.