Dianne Jones is a financial advisor with LPL Financial in Vallejo, CA, holding a Series 66 designation and 22 years of industry experience. She has been with LPL since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, and corporations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, and retirement plan consulting, utilizing both discretionary and non-discretionary management strategies supported by extensive research and a variety of investment options.

Jeff Roman is a financial advisor at Charles Schwab with a Series 66 credential and experience spanning roles at Northwestern Mutual and HA Financing. He has been with Charles Schwab and its affiliated bank since 2025. Outside of his advisory work, Roman serves on the boards of the Napa County Hispanic Network and Moose International Lodge 516, contributing to scholarship fundraising and lodge maintenance, respectively. Charles Schwab & Co., Inc. serves a large client base primarily consisting 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 offers both non-discretionary and discretionary investment guidance supported by multi-asset model portfolios, centralized supervisory structures, and a formal alternative investment process.

Monique Moreno is a financial advisor at Merrill with 15 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch Pierce, Fenner & Smith, Inc. since 2007. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers a range of model-based and discretionary investment strategies tailored for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kerry Romstad is a financial advisor at Charles Schwab with 21 years of industry experience. He holds Series 63, Series 65, and Series 66 designations and has been with Charles Schwab and Charles Schwab Bank since 2012. Charles Schwab & Co., Inc. serves a large client base primarily consisting 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 offers a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios, supported by centralized supervisory, custody, and order-routing arrangements.

Beth Rowe is a financial advisor at Edward Jones with 19 years of industry experience. She has held positions at Edward Jones since 2018 and previously worked at Bank of America and Merrill from 2013 to 2018. Rowe holds the Series 63 and Series 66 designations. 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 with a network of more than 23,700 advisors, offering a range of investment advisory programs and affiliated services under a fiduciary standard.

Diana Espinel is a financial advisor at UBS Financial Services with nine years of industry experience. She has held roles at firms including Merrill, Bank of America, and JP Morgan Chase Bank. Espinel holds Series 63 and Series 66 licenses. UBS Financial Services Inc. provides brokerage and investment advisory solutions to individual, corporate, and institutional clients. The firm combines institutional trading capabilities with wealth management services, offering fee-based financial planning, portfolio management, and access to proprietary research.

Jamie Olhiser is a financial advisor with UBS Financial Services, holding a Series 66 designation and three years of industry experience. He has worked at UBS since 2021 and is also associated with Evolve. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, employing proprietary capital market assumptions and model-based asset allocations to tailor plans to clients' goals. The firm combines institutional trading capabilities with wealth management services and provides custody, underwriting, and capital markets solutions.

Susan Lyle is a Senior Financial Advisor and First Vice President with Merrill Lynch Wealth Management in Napa, California. She brings more than three decades of experience in the financial services industry, having held positions at Dean Witter, First Union, WMFS Financial, FB Financial Services, and Wells Fargo. At Merrill Lynch, Susan serves a diverse and accomplished clientele nationwide, providing wealth management strategies tailored to multiple generations of families. Her expertise includes college education planning, executive compensation, family wealth management, personal retirement planning, portfolio management, special needs planning, tax minimization, and retirement income strategies. Susan holds a Bachelor's Degree from Palm Beach Atlantic University and professional designations as a Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). She collaborates with a team of strategic specialists at Merrill Lynch and partners with banking services at Bank of America. Susan also coordinates with clients’ CPAs and attorneys to address tax or legal updates, helping identify potential gaps in financial plans. Beyond her professional work, Susan has served as a board member for Mentis, Napa’s center for mental health services. She has volunteered for various causes supporting children and senior citizens and coached youth sports during her children's early years. Her personal interests include swimming, spending time with her pets, home improvement projects, and exploring the Napa area through dining and wine tasting.

Renee Mc Leod is a Senior Financial Advisor specializing in wealth management strategies at Merrill Lynch Wealth Management. She supports clients in areas such as family wealth management, managing new wealth, personal retirement planning, women and wealth, and retirement income. Renee collaborates with her clients to develop personalized financial strategies that align with their long-term goals and adapt to changing market conditions. Renee holds a Bachelor's Degree from Sonoma State University and has earned professional designations as a Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). She engages with professional and community organizations including COPE Family Resources and the Napa Valley College Foundation, where she has previously held roles on the HR Committee and board, respectively. Outside of her professional work, Renee enjoys antiquing, gardening, music, and spending time with her family. Gardening is a personal interest that helps her stay grounded. She values building strong relationships with clients and guiding them through their financial journeys by focusing on their primary life priorities.

Michael White is a CFP® professional affiliated with LPL Financial in Vacaville, CA, with 19 years of industry experience. He has worked at Travis Credit Union and LPL Financial since 2010. White serves as a successor trustee for a family trust and provides services to credit union members through a related business activity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers financial planning, various advisory programs, retirement plan consulting, and brokerage services supported by research and model portfolios.

Austin Fitzpatrick is a Financial Advisor based in Napa, California, affiliated with Merrill Lynch Wealth Management. He works with individuals and families to build personalized strategies that align with their financial goals, providing thoughtful guidance and clear communication throughout their financial journeys. His client focus areas include college education planning, family wealth management strategies, and personal retirement planning. With experience as a former collegiate and professional athlete, Austin applies lessons of discipline, preparation, resilience, and long-term commitment to his financial advisory approach. He helps clients navigate important financial decisions by creating tailored strategies that reflect their goals, values, and vision for the future, emphasizing the importance of having a sound plan and consistent execution over chasing short-term results. Austin holds a Bachelor's Degree in Finance from California State University, Stanislaus, and is designated as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Beyond his professional work, he contributes to the community through involvement with St. Helena Little League. His personal interests include baseball, cooking, fishing, hiking, and reading.

James Dimarco is a financial advisor with LPL Financial in Napa, CA, holding a Series 66 designation and 17 years of industry experience. He has been with LPL Financial since 2015 and also spent a decade at Financial Advocates Investment Management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by research, model portfolios, and various management options.

Ronald Boyce is a financial advisor at Charles Schwab with 14 years of industry experience. He holds a Series 66 designation and has been with Charles Schwab since 2011. 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 solutions supported by multi-asset model portfolios and a centralized operational structure.

Michael Jankiewicz is a financial advisor with UBS Financial Services based in Napa, California, holding a Series 63 designation and with 40 years of industry experience. He has worked at Painewebber Incorporated since 1985. Outside of his advisory role, he serves as President of the Napa Valley Baseball Club Inc. UBS Financial Services 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 research resources.

Julie Cutler is a financial advisor at OSAIC with six years of industry experience. She holds a Series 66 designation and has previously worked at Lincoln Financial Advisors Corporation and Cornerstone Capital. OSAIC serves a diverse client base that includes individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm provides a range of services including brokerage, investment advisory, financial planning, and access to third-party money managers, utilizing asset-allocation tools and automated rebalancing to manage portfolios across various asset classes.

Grant Smith is a financial advisor with LPL Financial in Napa, California, holding a Series 66 designation and seven years of industry experience. His prior experience includes roles at Oppenheimer & Co. Inc and Fidelity National Title. He also provides investment advisory services through Financial Advocates Investment Management, an independent registered investment advisor. 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 of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and consulting services supported by research and model portfolio strategies.

Benjamin Crombie is a financial advisor with Edward Jones in Suisun City, CA, holding CFP® and Series 66 designations and bringing 19 years of industry experience. He previously worked at LPL Financial for 13 years before joining Edward Jones in 2024. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including various household types, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,700 advisors and offers a range of advisory programs and investment strategies under a fiduciary standard.

Melanie Whitehead is a CFP® professional with 25 years of industry experience. She has worked at Lincoln Financial Advisors for 24 years before joining OSAIC in 2025. In addition to her advisory role, she is a notary public and holds responsibilities as an insurance agent offering health, disability, long-term care, and traditional life insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides a range of integrated financial services and uses various tools and platforms to manage portfolios across multiple asset classes.

Francis Dolan is a financial advisor with Morgan Stanley in Napa, CA, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2021, following a 12-year tenure at Bank of America and Merrill. Outside of his advisory role, he is involved in a family-held LLC for a vacation home shared among siblings. Morgan Stanley Wealth Management provides a range of advisory and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and investment models while offering various retail and institutional investment options.

Jose Jimenez is a Series 66-licensed financial advisor with 11 years of industry experience, currently with J.P. Morgan Securities since 2022. He previously worked at Bank of America N.A. and Merrill for ten years. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.