Joseph Loveless is a financial advisor with Charles Schwab, holding a Series 66 designation and based in Napa, CA. He has been with Charles Schwab and its related entities since 2026. His prior experience includes roles at Magnit Global and various other positions before entering the financial advisory field. 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 non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers integrated brokerage, custody, and advisory services.

Ayezah Holmes is a financial advisor at Charles Schwab with a Series 66 designation and six years of industry experience. Her previous work includes roles at JP Morgan Chase, Independent Bank, and the University of North Texas. She is also a commissioned notary. Charles Schwab & Co., Inc. serves primarily 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 offers a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios and alternative investment options.

Mary Gernetzke is a financial advisor with Edward Jones in Novato, CA, holding a Series 66 designation and having 16 years of industry experience. She has been with Edward Jones since 2009. 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 large nationwide network of advisors and branch offices.

Danielle Solano is a financial advisor with Morgan Stanley in Napa, CA, holding a Series 66 designation and three years of industry experience. Prior to her advisory role, she spent 11 years at JD Jones Construction. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in assets. The firm’s financial planning process involves structured discovery and firm-approved tools, offering a range of investment and planning services without individual security recommendations in standalone plans.

Cory Synnestvedt is a financial advisor with Wells Fargo Clearing in Napa, CA, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. He was previously with Prudential Equity Group, LLC for six years before joining Wells Fargo in 2016. 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 a broad range of brokerage and advisory solutions.

Kristoffer Conrad Pingul is a Financial Advisor at Merrill Lynch Wealth Management. He works directly with clients to define their financial goals and develop portfolio strategies tailored to their individual needs. His approach includes ongoing advice and portfolio adjustments to align with clients' changing situations. His expertise encompasses employee benefits planning, retirement income, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and both individual and corporate investment strategies. He holds the Chartered Financial Consultant (ChFC) designation and is a Personal Investment Advisor (PIA). Kristoffer earned a High School Diploma from Davis Senior High School, an Associate's Degree from Solano Community College, attended San Francisco State University without degree completion, and completed an Accredited Certificate Program at The American College of Financial Services. Kristoffer speaks Tagalog and English and is affiliated with the Iglesia Ni Cristo (Church of Christ). His personal interests include billiards, bowling, golfing, reading, spending time with family, tennis, traveling, volleyball, watching movies, and woodworking.

Justin Gomez is a CFP® and Series 66 licensed financial advisor with Edward Jones, based in Napa, CA. He has 11 years of industry experience, all with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a range of households, pension plans, corporate clients, and charities. The firm manages approximately $1.01 trillion in assets and offers a variety of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated funds, operating under a fiduciary standard.

Richard Barry is a CFP® with 29 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. He previously held roles at Wells Fargo Clearing from 2009 to 2010 and at Merrill from 2008 to 2009. Barry holds an inactive attorney license from the Supreme Court of Pennsylvania. Wells Fargo Advisors is a national 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 supported by research and analytics.

Phylos Tobler is a financial advisor with LPL Financial in Novato, CA, holding Series 63 and Series 65 licenses and possessing 38 years of industry experience. He previously worked at E.K. Riley Investments, LLC and JHS Capital Advisors, LLC before joining LPL Financial in 2020. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Julie Wallace is a financial advisor at Ameriprise Financial Services with 21 years of industry experience. She holds Series 63 and Series 66 designations and has worked at firms including Wells Fargo Clearing and Edward Jones. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides tailored retirement income planning and tax-aware withdrawal strategies through a centralized team working with the financial advisor.

Maxim Sparks is a financial advisor at Morgan Stanley in Napa, CA, holding Series 63 and Series 65 licenses with one year of industry experience. His background includes roles at Hog Island Oyster Company and DigiTrade Ltd., as well as time spent as a full-time student and traveling. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment analyses to support client goals.

Alicia Marquez is a Series 66-licensed financial advisor at Merrill with 8 years of industry experience. She has been with Bank of America and Merrill since 2012. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Katherine Wells is a financial advisor at Edward Jones in Petaluma, CA, with 12 years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2013. 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 and offers a range of discretionary and non-discretionary investment strategies, affiliated mutual funds, and tax-efficient services through a nationwide network of over 23,700 financial advisors.

Ron Herring is a financial advisor with UBS Financial Services based in Napa, CA, holding Series 63 and Series 65 licenses and possessing 39 years of industry experience. He has worked at Painewebber Incorporated since 1987 and UILIC since 1986. Outside of his advisory role, he serves as head coach for the Napa Valley Basketball Alliance, a youth basketball program. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services and provides a broad range of capital markets and custody solutions.

Rachel Klase is a Planning Consultant at the Larkspur Investor Center, where she collaborates with Financial Consultants to assist clients in progressing toward their financial goals and utilizing Fidelity's platform effectively. She focuses on creating tailored experiences by thoroughly understanding each client's financial situation through detailed data gathering and personalized discussions. Rachel has been with Fidelity Investments since 2017, starting as a Relationship Manager before transitioning to her current role in 2020. She holds a California Insurance License, supporting her work in financial planning and client service.

Nicole Rasmussen is a financial advisor at Morgan Stanley with 28 years of industry experience. She has been with Morgan Stanley and its affiliated entities since 2006. Rasmussen holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers comprehensive financial planning and advisory programs supported by structured discovery processes and advanced modeling tools.

Keith Bernardy is a financial advisor with LPL Financial based in Novato, CA, holding a Series 63 designation and bringing 44 years of industry experience. He previously worked at Securities America Advisors, Inc. and KMS Financial Services, Inc. Bernardy also operates Bernardy Financial Group as a DBA for his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions with a range of advisory and brokerage services including financial planning, model portfolios, and institutional platforms.

Lindsey Stone is a CFP® with 11 years of industry experience and has been with Edward Jones since 2014. She holds the Series 66 designation and is based in Sonoma, CA. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering both discretionary and non-discretionary investment strategies. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of over 23,700 financial advisors and 15,000 branch offices.

Charles Daniels III is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His work history includes roles at Harvest Financial, LLC, First Allied Securities, Inc., First Allied Advisory Services, Inc., and Cetera affiliates since 1999. He is also active as an insurance agent. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform with various program options and over $256 billion in assets under management.

Emmanuel Rojas is a financial advisor at Charles Schwab with 11 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2019, following three years with J.P. Morgan Chase Bank and J.P. Morgan Securities LLC. Charles Schwab & Co., Inc. serves a large client base, primarily 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 offers a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios and integrates advisory, brokerage, custody, and cash-sweep services within its distinctive operational structure.