Juana Trejo Cervantes is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and seven years of industry experience. She has worked at Wells Fargo Clearing Services LLC since 2018 and Wells Fargo Bank NA since 2013. Outside of her advisory role, she assists with Essence Landscaping in Ukiah, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options, tailored to plan objectives and demographics.

Clark Matthiessen is a financial advisor at LPL Financial with 27 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. Prior to joining LPL Financial in 2024, he worked at Redwood Credit Union and Cuso Financial Services, L.P. for over two decades. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions, offering a broad range of financial planning and portfolio management options.

Nicholas Bobroff is a CFP® professional affiliated with Charles Schwab, with two years of industry experience. His prior roles include positions at Spectrum Financial Management, MGO Private Wealth, and Eckhoff Wealth Management. Outside of finance, he assists with organic certification and record keeping for Boldrini Dairy. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and centralized operational structures.

Brianna O'Keefe is a financial advisor at Morgan Stanley with six years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2019. Outside of her advisory role, she serves on the board, finance committee, and as treasurer for Verity, a nonprofit focused on sexual assault and human trafficking prevention, intervention, and counseling. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools without providing individual security recommendations in standalone plans.

Toni Iannarelli is a financial advisor with LPL Financial in Santa Rosa, CA, holding Series 63 and Series 66 licenses and bringing 42 years of industry experience. He has worked at Western International Securities, Inc. and Andraos Capital Management, and has been involved with Union Central Life Insurance since 2008. His other business activities include acting as an agent for accident and health, life, and variable insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions through a large network of advisers, combining advisory services with non-advisory financial products and partnerships.

George Hoang is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2015. Prior to this, he worked at Thirstea for multiple overlapping periods totaling about 10 years. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Desiree Bunch is a financial advisor at Wells Fargo Clearing with 38 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Outside of her advisory role, she co-owns two businesses focused on residential solar system design and architecture with her spouse. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Robert Williams is a financial advisor with Wells Fargo Clearing in Novato, CA, holding a Series 66 designation and 20 years of industry experience. His career includes long-term roles at Wells Fargo Bank and Wells Fargo Advisors, with a focus on retirement plan consulting and investment advisory services. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings than typical large institutional advisers.

Jack Mc Cormick is a Financial Advisor at Merrill Lynch Wealth Management and a CERTIFIED FINANCIAL PLANNER® professional. He specializes in retirement planning and client strategy, providing personalized approaches to help clients define and pursue their financial goals. Jack focuses on delivering detailed analyses and market research to ensure clients understand their financial situations fully. With over five years of experience at Merrill, Jack has developed a comprehensive understanding of building financial plans from the ground up, having also worked on the operational side of the firm. He holds an Associate's Degree from Santa Rosa Junior College and a Bachelor of Science in Economics from the University of Redlands. Additionally, Jack has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He is fluent in English and Spanish. A fifth-generation Sonoma County resident, Jack is active in his community through volunteer work with the Made In Santa Rosa Education Foundation and the Santa Rosa Junior College Water Polo program. Outside of work, he enjoys coaching water polo, tinkering on cars, cycling, and participating in triathlons.

Holly Garretson is a CFP® with 13 years of industry experience, currently serving as a financial advisor at Edward Jones since 2013. She holds a Series 66 designation and is based in Santa Rosa, CA. Outside of her advisory role, she owns rental properties in Santa Rosa. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm reported approximately $1.01 trillion in assets under management and operates through a nationwide network of over 23,700 financial advisors.

Timothy Carroll is a financial advisor with Edward Jones in Santa Rosa, CA, holding a Series 66 designation and three years of industry experience. Prior to joining Edward Jones in 2023, he worked at Homeguide Mortgage and CMG Mortgage from 2014 to 2022. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm offers a range of advisory programs with discretionary and non-discretionary strategies, supported by a large network of financial advisors and branch offices across the United States.

Samboun Sim is a Financial Advisor with Merrill Lynch Wealth Management based in the Santa Rosa, Sonoma County area. He has over a dozen years of experience in the financial sector, focusing on helping clients develop strategies to pursue their short-, mid-, and long-term financial goals. His services include education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management, individual and corporate investment strategy, tax minimization, and retirement income. He works closely with clients through open and honest conversations to understand what matters most to them and to provide effective ideas and appropriate solutions. His approach incorporates a holistic use of Merrill's investing and retirement planning resources, as well as access to Bank of America's banking, credit, business, and lending services. Samboun holds a Bachelor's Degree from Sonoma State University and the Personal Investment Advisor (PIA) designation. Outside of his professional role, he enjoys personal interests such as basketball, cooking, drawing/sketching, fishing, football, spending time with his family, traveling, and watching movies.

Michael Cowley is a financial advisor with Wells Fargo Clearing in Santa Rosa, California, holding Series 63 and Series 66 licenses and 11 years of industry experience. He has been with Wells Fargo Clearing and affiliated Wells Fargo entities since 2016. Outside of his advisory work, he co-owns a spice and seasoning business and a digital graphic design company. 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 across more than 14,000 advisors and offers both brokerage and advisory solutions.

Meredeth Bertacco is a CFP® with 15 years of industry experience, currently serving at Edward Jones since 2011. She is based in Sebastopol, CA. Outside of her advisory role, she is an owner and operating member of Gold Dirt Vineyards LLC, a vineyard project in Sebastopol focused on fruit production. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs and investment solutions through a large national network of financial advisors and branch offices.

Marco Rivera is a financial advisor at LPL Financial with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Ameriprise Financial Services, Inc., BrokersXpress LLC, Wells Fargo Investments, Banc of America Investment Services, Inc., and Citicorp Investment Services. Outside of his advisory role, he is involved with Desward Peak Partners LLC, a business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions through a network of investment adviser representatives. The firm offers a wide range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with operational and research tools.

Luke Mazza is a financial advisor at Ameriprise in Sonoma, CA, holding Series 65 and Series 66 licenses. He has prior experience at Pacific Private Money Inc and M Capital Technologies LLC, and has worked in various roles including at Fitch Ratings and the State Compensation Insurance Fund. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing planning advice focused on tax-aware withdrawal strategies and dependable income sources for clients near or in retirement.

Ronald Riggan is a financial advisor with OSAIC in Santa Rosa, CA, holding Series 63 and Series 65 licenses with 21 years of industry experience. His prior roles include positions at Securities America Advisors and Waddell & Reed Inc. Additionally, he works as a pilot for United Airlines. OSAIC serves a broad range of clients, including retail and institutional investors, offering integrated brokerage and advisory services supported by multiple platforms, third-party managers, and various investment strategies.

Stephen Smith is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 65 and Series 66 licenses and has worked at Merrill, Bank of America, and Morgan Stanley entities since 1999. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide array of advisory programs, including tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Michael Calvelli is a financial advisor at Cambridge Investment Research Advisors with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cambridge since 2016. Outside of his advisory role, he serves on the board of Friends House, a continuing care community, and on the board of The Julia Gardner Grant Foundation, a charitable organization. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a range of portfolio management approaches and proprietary and third-party model strategies.

Vernon Brown is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm that provides 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.