Margaret Ash is a Financial Consultant currently with Fidelity Investments since 2019. She has 15 years of experience in financial consulting, specializing in portfolio management, retirement planning, and risk mitigation. She holds FINRA Series 6, 7, 63, and 66 licenses and serves as a fiduciary. Prior to her current role, Margaret worked as a Senior Financial Advisor and Vice President at Union Bank Investment Services from 2017 to 2019, a Financial Advisor at Merrill Lynch from 2015 to 2017, a Personal Banker at Bank of America in 2015, and a Financial Representative at Metlife - New England Financial from 2010 to 2015. She also holds a California Insurance License. Outside of her professional work, Margaret enjoys family activities, fitness, hiking, running, skiing, and traveling.

Justin Katz is a financial advisor with LPL Financial in Napa, CA, holding a Series 66 designation and eight years of industry experience. Prior to joining LPL Financial in 2023, he worked at Wells Fargo Clearing from 2017 to 2023 and was employed at CreativeLive, Inc. from 2015 to 2017. Outside of finance, Katz owns and operates a photography business based in Portland, OR. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset management, supporting a large network of investment adviser representatives.

Arnoldo Santiago is a financial advisor at UBS Financial Services with 28 years of industry experience. His career includes positions at Bank of America, Merrill, and Citigroup Global Markets. Santiago holds Series 63 and Series 65 credentials and is based in Napa, California. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management, utilizing proprietary research and model-based asset allocations to tailor client plans.

John Whittemore is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds Series 63 and Series 65 licenses. His prior work includes roles at Wells Fargo Clearing and UBS Financial Services. Morgan Stanley Wealth Management provides advisory services to both individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers a range of investment and planning solutions.

Gregory Soulsburg is a financial advisor with MassMutual Investors Services, holding a Series 66 credential and 25 years of industry experience. He has been with MML Investors Services since 2001 and with MassMutual since 2000. In addition to his advisory role, he is active as a sales agent with Silver Leaf Financial Management & Insurance Services. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes annual collaborative planning engagements using firm-approved analytical tools and offers a variety of programs including wrap accounts, money-manager solutions, and educational seminars.

Peggy Engel Kent is a financial advisor with Edward Jones in Sonoma, CA, holding a Series 66 designation and 10 years of industry experience. She has been with Edward Jones since 2001. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs and investment strategies. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of more than 23,700 financial advisors.

Jesus Villalpando is a financial advisor at LPL Financial with three years of industry experience. He holds the Series 63 and Series 66 credentials and has worked at firms including Redwood Credit Union, Wells Fargo, and JPMorgan Chase. 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 services, including financial planning and third-party asset management, supported by a broad platform of proprietary tools and partnerships.

Gerardo Martin is a financial advisor at LPL Financial with 20 years of industry experience. He holds the Series 66 designation and has held various roles including involvement with the Napa County Hispanic Chamber of Commerce and the Napa Valley College Foundation. He also ran as a mayoral candidate and has operated his own business, Gerardo Martin Inc, since 2017. 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 wide range of advisory and brokerage services, supported by proprietary research and technology, managing over $819 billion in discretionary assets through a network of more than 22,800 advisors.

William Tang is a financial advisor with Wells Fargo Clearing based in Napa, CA. He holds a Series 66 designation and has 27 years of industry experience, including ten years at Wells Fargo Investments, LLC prior to his current role. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Sebastien Tomescu is a financial advisor with LPL Financial in Fairfield, CA, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Patelco Credit Union and CUSO Financial Services, LP. Tomescu is also involved with Patelco Financial Solutions, a business related to his work at LPL. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies supported by proprietary research and operational tools.

Shannon Schmidt is a Series 66-credentialed financial advisor with eight years of industry experience. She currently works at LPL Financial, having previously worked at Edward Jones and in educational support roles. Outside of advising, Schmidt is the owner of SDS Fine Art, a small business in Dixon, California. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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, and institutional platforms, supported by a large network of investment adviser representatives.

Dena Debenedetti is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 39 years of industry experience. She previously worked at Waddell & Reed for 34 years and operates Pinnacle Plan Management, Inc., a separate business entity. Based in Napa, CA, she has been with LPL Financial since 2021. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, utilizing a variety of investment strategies and tools supported by technology, while overseeing more than $819 billion in discretionary assets.

Erika Uribe is a financial advisor at Morgan Stanley with five years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2018. Outside of finance, Uribe has managed and bartended at Ristorante Allegria since 2003. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs for individuals and institutions. The firm provides tailored financial planning using structured processes and proprietary tools, managing approximately $2.74 trillion in client assets.

Letizia Veronese is a Series 66 licensed financial advisor with Edward Jones, based in Sonoma, CA, and has two years of industry experience. She has been with Edward Jones since 2007. 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 and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Kirk Mulligan is a Senior Financial Advisor with extensive experience in personal and corporate advisory services, focusing on personal and family wealth strategies, legacy planning, and corporate benefits and executive compensation. Based in the Sonoma Valley, he works closely with family-owned businesses in the Napa and Sonoma Valleys to provide personal wealth strategies and holistic wealth planning. His approach helps clients bridge generational gaps by supporting legacy succession, wealth transfer, and related tax considerations. With 35 years in the financial services industry, Kirk has expertise in corporate benefits, employee benefits planning, institutional consulting, and retirement income strategies. He assists clients with defined contribution and defined benefit plans, as well as fiduciary and compliance-related challenges. Kirk's professional designations include Certified 401(k) Professional (CKP), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He holds a bachelor's degree from the University of California system. Kirk lives in Sonoma Valley, California, where he enjoys gardening and spending time with his family and dogs.

Sean Lynch is a financial advisor with LPL Financial in Napa, CA, holding a Series 66 designation and one year of industry experience. His prior work includes positions at Redwood Credit Union, Bank of America, and Merrill. 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 portfolios, third-party asset management, and institutional platforms.

Alexandria Reilly is a Series 66-credentialed financial advisor with Edward Jones in Sonoma, CA. She has been with Edward Jones since 2025 and has no prior industry experience. Outside of her advisory role, she has been involved with the KHR McNeely Family Foundation. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates through a large network of financial advisors and branch offices nationwide.

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.