Yahaira Martinez Sanchez is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. Her work history includes roles at Morgan Stanley Smith Barney LLC since 2021, as well as positions at AppleOne, Korbel Champagne Cellars, and several educational institutions. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services directly to individuals and through corporate agreements.

Craig Franklin is a financial advisor with Morgan Stanley in Santa Rosa, CA, holding Series 63 and Series 65 licenses and having 32 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides both direct individual plans and Corporate Financial Planning services.

Brenda Ell is a financial advisor at Morgan Stanley in Santa Rosa, California, holding a Series 66 designation with 13 years of industry experience. She has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2013 and 2015, respectively. In addition to her advisory role, she serves as a trustee and co-trustee in trust activities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market modeling techniques in its financial planning process.

William Sa is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Wells Fargo Clearing and CITIGROUP. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering IPS-driven investment advice and discretionary services that include investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory approach incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Danielle Shubin is a financial advisor with Raymond James & Associates and holds a Series 66 designation. She has six years of industry experience, including roles at Buff and Nelsaon and Associates. She is based in Santa Rosa, California. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, with a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Newara Fatima is a financial advisor with Wells Fargo Clearing in Santa Rosa, CA, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. She has been with Wells Fargo Clearing Services LLC since 2018 and with Wells Fargo Bank NA since 2015. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets with more than 14,000 financial advisors and offers both brokerage and advisory solutions.

Jonathan Perez is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Chase Bank and Bank of America, among other firms. Outside of his advisory roles, he has been involved with Dos Bros Management and previously operated a gardening business. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment advisory registrations, delivering services on a non-discretionary basis.

Melissa Alfsen is a financial advisor at Stifel with 12 years of industry experience. She holds a Series 66 designation and has worked at Stifel Nicolaus & Co Inc since 2022, following prior roles at Wells Fargo Clearing and Raymond James & Associates. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach relies on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to support asset allocation and financial planning analyses.

Jordon Williams is a Series 66 licensed financial advisor with Wells Fargo Clearing, based in Santa Rosa, CA, and has six years of industry experience. He has worked at Wells Fargo Bank since 2016 and Wells Fargo Clearing since 2019. 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 both brokerage and advisory solutions.

Julio Delgado Perez is a financial advisor with Wells Fargo Clearing in Santa Rosa, CA, holding Series 63 and Series 66 licenses and having eight years of industry experience. He has been with Wells Fargo Clearing since 2017 and has worked at Wells Fargo Bank NA since 2004. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Todd Au is a financial advisor with Morgan Stanley who holds a Series 66 designation and has 25 years of industry experience. He has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Outside of his advisory role, he serves as an assistant coach for the Healdsburg High School girls golf team. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools to model financial outcomes.

Laura Pedroncelli is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and 28 years of industry experience. She has worked with First Tech Federal Credit Union since 2014 and has been associated with Addison Avenue Investment Services and Raymond James Financial Services Advisors Inc. since 2012. Pedroncelli provides financial advice through Addison Avenue Investment Services, a support company where she serves as an associate. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and corporate clients. The firm employs tailored, non-discretionary planning and utilizes advanced analytical tools to support client goals, while maintaining notable municipal advisory and SIMPLE IRA consulting programs.

Symon Davis is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 14 years of industry experience. He has been with J.P. Morgan Securities since 2012 and is also associated with JPMorgan Chase Bank, N.A. since 2011. Outside of his advisory role, he serves as co-trustee for The Joann Allen Davis Trust. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Jeffrey Ngo is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds the Series 66 and Series 63 designations and previously worked at JPMorgan Securities LLC and Bank of America. Outside of finance, he owns and operates a photo booth business. 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 both brokerage and advisory solutions.

Julie Dunn is a financial advisor at Edward Jones with 15 years of experience in the industry. She holds the Series 66 designation and has been with Edward Jones since 2011. 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 through a nationwide network of financial advisors and offers a variety of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and proprietary investment products.

Shehzad Bhatti is a financial advisor with Wells Fargo Clearing in Santa Rosa, CA. He holds Series 63 and Series 66 designations and has nine years of industry experience, having worked with Wells Fargo since 2015. 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 provides both brokerage and advisory solutions.

Mohammad Isnain is a financial advisor at Wells Fargo Clearing with six years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo Clearing Services LLC since 2018, also maintaining a role with Wells Fargo Bank NA since 2015. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory. The firm’s approach includes an explicit focus on insurance-related investment vehicles and bank deposit sweep options, serving institutional clients with tailored solutions.

Khoi Vu is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America, Merrill, Edward Jones, JP Morgan Chase Bank, and JCrew. Outside of his advisory role, he serves as a youth pastor at Lighthouse Christian Church Sonoma. 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 solutions. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with notable inclusion of insurance-related investment options and bank deposit sweep programs.

Ryan Lotspeich is a financial advisor with Wells Fargo Clearing in Petaluma, CA, holding a Series 66 designation and 17 years of industry experience. He has been with Wells Fargo Bank and its related entities since 2011. Outside of his advisory role, he is a co-owner and silent partner of LUMA HOME EDIT, a home decor consulting business. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Darrin Donnelly is a financial advisor at Morgan Stanley in Santa Rosa, CA, holding Series 63 and Series 65 licenses with 28 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market outcome simulations.