Jack Miller Jr. is a financial advisor with Cambridge Investment Research Advisors in Vallejo, CA, holding 28 years of industry experience. Prior to joining Cambridge in 2025, he worked for JD Miller CPA, A Professional Corporation, for 28 years. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning, investment management, retirement-plan advisory, and wrap-fee programs, operating through thousands of financial professionals and managing a multi-billion dollar asset base across multiple platforms.

Joseph Turfa is a financial advisor with LPL Financial in Napa, California, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has a longstanding career that includes roles at Redwood Credit Union, Cuso Financial Services, Equitable Advisors, and Mid Atlantic Financial Management. Outside of his advisory work, he is involved with real estate rental activities in Pioneer and El Verano, California. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services supported by technology-driven research tools and manages more than $819 billion in discretionary assets through a large network of investment adviser representatives.

Jon Niebling is a financial advisor with Morgan Stanley in Napa, California, holding a Series 63 designation and bringing 46 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and affiliated with Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory work, he has authored a fiction e-book under the pen name Jon Gregory and serves as Communications Director for a dive-related charity in Napa. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and modeling techniques.

David Rodriguez Cruz is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and seven years of industry experience. He has worked with various Wells Fargo entities since 2014. Outside of his advisory role, he owns and operates an online resale business and is a Notary Public. 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 combines research and analytics with a broad range of financial products through bank and insurance affiliates.

Michael Murray is a financial advisor with LPL Financial based in Napa, California. He has recently joined LPL Financial and has over 28 years of experience operating Napa Recycling & Waste Services as well as his own CPA practice. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms.

John Heflebower is a financial advisor with Merrill in Napa, CA, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked with Merrill since 1989 and Bank of America since 2010. Outside of advising, he occasionally consults for the wine industry and is involved as a limited partner in LLCs related to movie production. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and institutions.

David Boerio is a financial advisor with Edward Jones in Napa, CA, holding a Series 66 designation and 12 years of industry experience. His prior roles include positions at BancWest Investment Services, Bank of the West, Bank of America, and Merrill Lynch. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a large national network of financial advisors and branch offices.

Tiffany Walls is a financial advisor with UBS Financial Services in Napa, CA, holding a Series 66 designation and bringing 16 years of industry experience. She has been with UBS since 2011. Outside of her advisory role, she operates a personal business providing notarization services. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-driven, tailored investment strategies.

Jorge Rey Prada is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and previously worked at LPL Financial for four years before joining Morgan Stanley in 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets.

Jared Worthington is a financial advisor with Cetera holding a Series 66 designation and no prior industry experience. His work history includes roles at several firms since 2026 and prior experience in logistics and robotics sectors. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of advisors and provides access to multiple investment strategies and third-party managers.

Harold Hilliard Jr. is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 24 years of industry experience. He previously worked at Avantax Advisory Services and Avantax Investment Services for 17 years. In addition to his advisory role, he serves as Vice President and Relationship Manager at Emerge Financial, assisting with marketing and business management. Cetera Investment Advisers LLC is a multi-manager platform serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, with access to various program structures and third-party money managers.

Stephisha Ycoy Walton is a financial advisor with Primerica Advisors in Oakland, CA, holding Series 63 and Series 65 licenses and 11 years of industry experience. She has been affiliated with PFS Investments Inc. since 2014 and Primerica Financial Services since 2013. Outside of her advisory role, Walton is an educator at The Freedom School and is involved as a beta tester for the Capital Group Community Wealth Council. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and limited discretionary separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Douglas Ellis is a financial advisor at Cetera with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Avantax Advisory Services and Avantax Investment Services, Inc. prior to joining Cetera. Ellis has been self-employed since 1990. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets through a nationwide network of more than 10,000 advisors.

Zachary Sterner is a financial advisor at Fidelity with Series 66 and Series 63 licenses and one year of industry experience. His prior experience includes roles at Rocky Mountain Reserve and several positions in the automotive sector. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from a broad investable universe.

Kimber Smith is a ChFC® and Series 66-credentialed financial advisor with Edward Jones, where she has worked since 2012, totaling 13 years of industry experience. She serves as a board member for the Solano County Library Foundation and participates in the Rotary Club of Fairfield, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a wide range of advisory programs and affiliated financial services, supported by a large nationwide network of advisors and branches.

Tom Dowse is a Series 66-licensed financial advisor with Morgan Stanley in Napa, California, and has 26 years of industry experience. He has been with Morgan Stanley and its private bank since 2014 and serves as President and CEO of Dowse Securities Management Corporation. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a range of investment programs.

Tracy Schmuhl is a financial advisor with Charles Schwab in Napa, CA, holding a CFP® designation and Series 63, 65, and 66 licenses. She has 11 years of industry experience, including roles at Charles Schwab Bank SSB, Charles Schwab & Co., Inc., and Banc of America Investment Services, Inc. Outside of her advisory work, she provides notary services. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management alongside brokerage and custody services.

Michael Oshea is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 13 years of industry experience. His background includes roles at BMO Harris Bank, Equis Financial, NYLIFE Securities LLC, New York Life Insurance Co, Bank of San Francisco, and Union Banc Investment Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management services through a large network of investment adviser representatives, combining advisory capabilities with a broad set of financial products and partnerships.

Nicholas Ng is a financial advisor at Merrill with eight years of industry experience. He holds the Series 66 designation and has been with Bank of America and Merrill since 2015. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Pamela Thompson is a CFP®-designated financial advisor with UBS Financial Services in Sacramento, CA, where she has worked since 2001. She has 28 years of industry experience. Outside of her financial advisory role, she and her husband perform music in wine tasting rooms, including Mangels Vineyards and Back Road Vines. 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 that align with clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, providing a broad range of financial solutions.