Fernando Lema is a financial advisor at RBC Capital Markets with two years of industry experience. He holds a Series 66 designation and has worked at City National Bank since 2024, with prior experience at First Republic Bank from 2007 to 2023. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs and tailors investment strategies based on client risk profiles, utilizing both in-house and third-party managers.

Timothy Horton is a financial advisor with Cetera, holding a Series 63 designation and over 34 years of industry experience. His prior experience includes roles at First Allied Securities and First Allied Advisory Services. Outside of his advisory work, he serves as a trustee for the Napa Elks Lodge #832, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with diverse portfolio management options, financial planning services, and access to third-party money managers.

Erick Rosales is a financial advisor with LPL Financial in Napa, CA, holding a Series 66 designation and five years of industry experience. His prior roles include positions at J.P. Morgan Securities, Morgan Stanley, and Wells Fargo Bank. He also serves in a financial institution capacity at Travis Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers various advisory programs and financial planning services supported by research and multiple portfolio management options.

Bonnie Copeland is a financial advisor at UBS Financial Services with 28 years of industry experience. She has held her current position since 2011. Copeland holds the Series 63 and Series 65 licenses. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and investment solutions.

Michaela Gomez is a financial advisor at Edward Jones in Napa, CA, holding a Series 66 designation. She began her advisory career at Edward Jones in 2023 after ten years at Providence Queen of the Valley Medical Center. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Jose Perez is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and nine years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2016 and Wells Fargo Bank NA since 2014. Outside of his advisory role, Perez works as a banquet food server and provides in-home supportive services for the elderly in Napa County. Wells Fargo Clearing offers retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, providing both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and offering a range of financial product options including insurance-related vehicles and bank deposit sweep programs.

Sally Louie is a financial advisor with LPL Financial in Vallejo, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has worked at LPL Financial since 2007 and has concurrently been affiliated with The Golden 1 Credit Union since 2006. Outside of her advisory work, she serves as a nonprofit board member and foster mom for the Contra Costa SPCA. LPL Financial is a national SEC-registered investment adviser and broker‑dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management with access to research, model portfolios, and various investment strategies.

Alec Umutyan is a financial advisor at UBS Financial Services with a Series 66 designation and one year of industry experience. Prior to joining UBS, he worked at Sotheby's International Realty and has experience in hospitality and education. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, utilizing proprietary capital market assumptions, model-based asset allocations, and research from its Chief Investment Office to tailor financial plans and portfolio management.

John Cordeiro is a financial advisor with LPL Financial based in Napa, CA, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with LPL Financial since 2015 and is involved in community organizations including Sunrise Rotary and Queen of the Valley Hospital. Outside of his advisory role, he owns BraKat Vineyards, selling grapes to a local winery. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers diverse financial planning and advisory programs, combining discretionary and non-discretionary management with research and technology-driven investment solutions.

Pina Carino is a financial advisor at Morgan Stanley with 32 years of industry experience. She holds the Series 63 and Series 65 designations. Prior to joining Morgan Stanley, she worked at Bank of America, Merrill, and Wells Fargo. Carino serves on the boards of the Alzheimer Association in San Rafael, CA, and the Sons & Daughter of Italy Napa 501c8, both nonprofit and community organizations involved in fundraising. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and scenario modeling.

Benjamin Bergfelt is a financial advisor with UBS Financial Services in Napa, California, holding a Series 66 designation and 26 years of industry experience. He has been with UBS since 2000. Outside of his advisory role, he serves on an interview panel for prospective candidates to service academies, working with Congressman Mike Thompson. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Lisa Gardere is a financial advisor with Edward Jones in Napa, CA, holding a Series 66 designation and three years of industry experience. Prior to joining Edward Jones, she worked at CUSO Financial Services LP, Bank of America NA, and Merrill Lynch. She holds a Real Estate Sales Agent License in California and is listed as a referral agent with Twin Oaks Realty. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment advisory programs, supported by a nationwide network of over 23,000 financial advisors and managing approximately $1.01 trillion in assets.

David Castleberry Jr. is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2014 and 2015, respectively. Based in Napa, CA, he has been with the firm for more than a decade. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs to individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, utilizing structured planning tools and insights from its Global Investment Committee.

John Reuscher is a financial advisor with OSAIC in Novato, CA, holding the ChFC® designation and Series 66 license, with 46 years of industry experience. His career includes roles at Reuscher Financial Group, Securities America Advisors, and Foothill Securities. Outside of his advisory work, he is involved in acting and producing, and serves as a member of the endowment committee at the Presbyterian Church of Novato as well as Director of Administration for the Rotary Club of Novato. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services with portfolio construction supported by asset-allocation tools, risk assessment, and access to third-party money managers and wrap programs.

Carl D. Agostini is a financial advisor with Cetera, holding a Series 66 designation and 17 years of industry experience. His career includes roles at Edward Jones, Next Financial Group, LPL Financial, and currently Cetera. Cetera Investment Advisers LLC serves individual and institutional clients across the United States, offering a broad range of portfolio management, financial planning, and retirement services through a multi-manager platform that provides access to both affiliated and third-party investment strategies.

Sean Desmarais is a financial advisor with Morgan Stanley in Napa, California, holding a Series 66 designation and seven years of industry experience. His career includes roles at Morgan Stanley Private Bank, Global Investment Management, NMS Capital Asset Management, and Silicon Valley Bank. Morgan Stanley Wealth Management provides a wide range of advisory programs for individuals and institutional clients, offering financial planning that incorporates structured discovery and firm-approved tools. The firm manages substantial client assets and supports plans both directly and through employer agreements.

Michael Geitner is a financial advisor with LPL Financial in Napa, California. He holds Series 63 and Series 65 designations and has 18 years of industry experience. Prior to joining LPL Financial in 2018, he worked at E*Trade Securities LLC and E*Trade Capital Management LLC. He is also involved with Vintage Wealth Advisors, an investment-related business associated with his LPL practice. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, retirement consulting, and brokerage services.

Dustin Smith is a financial advisor with Merrill Lynch Wealth Management, working out of the Gainesville, Florida office. He focuses on helping individuals and business owners simplify their financial strategies and achieve their goals by emphasizing tax efficiency, retirement planning, and personalized approaches. Dustin assists clients in areas such as college education planning, corporate benefits, family wealth management, philanthropic planning, portfolio management, and tax minimization. Dustin’s professional background includes over a decade of experience in economics and finance, including 12 years as an Economic Researcher with the International Monetary Fund. He served six years in the Marine Corps Reserves as an M1A1 tank mechanic before transitioning to finance. He holds a Bachelor’s degree in Business/Economics from SUNY Cortland and a Master’s degree in Finance from Johns Hopkins University. He carries the Personal Investment Advisor (PIA) designation. Outside of his professional work, Dustin is a member of the American Legion. He lives in Keystone Heights, Florida, with his wife and two sons. His personal interests include biking, golfing, hunting, pickleball, running, swimming, and spending time with his family.

Nathan Krill is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in helping individuals and families build and grow their wealth with an emphasis on retirement planning and financial confidence. Drawing on his experience as a former professional athlete, Nathan applies the principles of discipline, preparation, and long-term goal setting to his financial advisory practice. Nathan holds a Bachelor's Degree from Wesleyan University and a Master's Degree from the University of San Francisco. He has earned the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His approach focuses on thoughtful financial planning, disciplined investment strategies, and personalized guidance to assist clients in maximizing their wealth. Outside of his professional work, Nathan enjoys a variety of activities including basketball, biking, camping, football, golfing, pickleball, scuba diving, spending time with his family, and watching movies. He is committed to serving his clients and community with a focus on helping them uncover what matters most to them and pursue their financial goals accordingly.

Diane Mcminds is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has been with UBS Financial Services since 2013. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, including financial planning, portfolio management, and mutual fund distribution. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment strategies.