Jonathan Thompson is the Resident Director at Merrill, where he has been serving clients since 2005. In his role, Jonathan emphasizes a comprehensive approach to wealth management, beginning with understanding each client’s unique needs and goals. He connects clients with the investment expertise of Merrill Lynch Wealth Management and the banking services of Bank of America to address various financial aspects. His focus areas include college education planning, family and international wealth management, retirement planning, tax minimization, and small business strategies, among others. Jonathan holds a Bachelor’s degree in Finance from Azusa Pacific University and the Chartered Retirement Planning Counselor™ (CRPC) designation. He works closely with professionals, business owners, and affluent families to develop wealth management strategies aimed at optimizing wealth while managing risk. Jonathan is also committed to his local community in Novato and Marin County, where he volunteers by coaching youth sports. Outside of his professional responsibilities, Jonathan enjoys tennis, golf, hiking, and spending time with his family.

Gary Norman is a financial advisor with Edward Jones in Napa, CA, holding the ChFC® designation along with Series 63 and Series 66 licenses. He has 21 years of industry experience, all of which have been with Edward Jones since 2005. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, including discretionary and non-discretionary wrap fee solutions, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of financial advisors and branch offices.

Sara Cassidy is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to both individual and institutional clients. The firm provides tailored financial planning supported by structured discovery conversations and advanced modeling tools, managing approximately $2.74 trillion in client assets.

Kelly O’Toole is a financial advisor with Morgan Stanley in Napa, California, holding Series 66 and Series 63 licenses and having 12 years of industry experience. Prior to joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2026, Kelly spent 10 years at Wells Fargo Clearing. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering financial planning services supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and serves clients directly as well as through corporate financial planning agreements.

Evert Fernandez is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked with LPL Financial since 2009 and previously was affiliated with Associated Planners Investment Advisory Inc. and Associated Securities Corp. From his other activities, he teaches small business startup classes at the Redwood Empire Small Business Development Center and provides Spanish translation services for business-related projects. 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 financial planning, portfolio management, and institutional platforms, with advisors employing a range of strategies including model portfolios and third-party subadvisors.

Celena Helm is a financial advisor at LPL Financial in Rohnert Park, CA, holding Series 63 and Series 66 licenses with six years of industry experience. Her career includes roles at BMO Harris Bank, U.S. Bancorp Investments, U.S. Bank, Exchange Bank, Westamerica Bank, and Wells Fargo. 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 through its extensive network of investment adviser representatives, utilizing model portfolios, third-party subadvisors, and customized strategies.

Hugo Mendoza Solis is a financial advisor at Edward Jones with 10 years of industry experience. He has previously worked at Wells Fargo Clearing and Wells Fargo Bank, NA. He serves on the board of the Sonoma Valley Education Foundation and participates on the Micro Loan Committee at La Luz Center, focusing on community economic development and education. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment solutions. The firm is known for its extensive advisor network and affiliated capabilities beyond traditional advisory services.

Fredy Tanchez is a Series 66 credentialed advisor at Merrill with three years of industry experience. He previously worked at Flynn Restaurant Group LLC before joining Merrill. Merrill, together 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 individuals, high-net-worth clients, and institutions.

John Tornes is a CFP® and Series 66 registered financial advisor with Edward Jones in Novato, CA, where he has worked since 2008. He has 18 years of industry experience. Outside of his advisory role, he is involved in rental real estate ownership in San Francisco. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide 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 through a large network of advisors and branch offices.

Stephen Schug is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career in financial services in 2019 and focuses on helping families, small businesses, and executives achieve their financial goals through a comprehensive goals-based wealth management approach. Stephen holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned his Bachelor's Degree from the University of California System. His expertise centers on retirement planning and benefits strategies, particularly for businesses and self-employed professionals. Stephen and his team work closely with clients to optimize plan design, evaluate administration costs, and improve retirement outcomes. They also assist with areas such as divorce transition planning, employee benefits planning, executive compensation, liquidity management, and tax minimization. In addition to his professional work, Stephen is involved with the Sonoma Valley Mentoring Alliance. Outside of work, his personal interests include cooking, fishing, golfing, and skiing.

John Moller is a Series 66 licensed financial advisor with six years of industry experience. He has been with Edward Jones since 2019. Prior to his advisory career, he worked at Bay Laurel Culinary Inc for four years. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate accounts. The firm manages over $1 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Joshua Ginting is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes six years at First Hawaiian Bank and roles in overseas radio and television. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Michael Long is a financial advisor at OSAIC with 43 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Securities America, Inc. for 15 years and EPlanning Advisors Inc for 5 years. Outside of his advisory role, Long runs a fishing charter in Bodega Bay on weekends. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment process relies on model-based asset allocation and portfolio optimization, with a range of managed account programs and third-party manager options.

Denise Cary is a financial advisor with Morgan Stanley in Napa, CA, holding Series 63 and Series 66 licenses and 28 years of industry experience. She previously worked at Wells Fargo Clearing from 2016 to 2021 before joining Morgan Stanley Smith Barney LLC in 2021. Outside of finance, she owns and manages Fazerrati's Pizza Restaurant in Napa. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning focused on structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct client services and corporate financial planning agreements.

Dylan Carey is a Series 66 licensed financial advisor at Fidelity with six years of industry experience. His prior roles include positions at LPL Financial, Redwood Credit Union, and CUSO Financial Services. Carey is based in Petaluma, California. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm utilizes a systematic investment process that combines proprietary research, quantitative analysis, and algorithmic portfolio construction.

Kathryn Fitzgerald is a CFP® with 36 years of industry experience, currently serving at Mass Mutual Investors Services since 2017. She previously worked at METLIFE Securities from 2014 to 2017 and has been affiliated with MassMutual Life Insurance Company since 2016. In addition to her advisory role, she is an independent insurance agent with Silverleaf Financial Management and Insurance Services. Mass Mutual 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 collaborative, detailed financial planning using advanced analytical tools and offers a range of programs including educational seminars and event-driven planning services.

Stewart Viets is a Certified Financial Planner® with 46 years of industry experience. He currently serves with OSAIC and previously worked at Lincoln Financial Advisors Corporation for 27 years. Outside of his financial career, he performs as a jazz saxophonist. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform that offers brokerage and advisory services. The firm employs a model-based investment process emphasizing asset allocation and portfolio optimization, supported by tools such as risk-tolerance questionnaires and rebalancing strategies.

Cynthia Voth is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in the Napa office since 2003. She holds the Certified Investment Management Analyst® (CIMA®) designation along with credentials as a Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Cynthia advises individual clients, families, and business owners, providing customized investment strategies focused on retirement planning, wealth transfer, asset preservation, and employee benefit options including 401(k) and deferred compensation plans. Cynthia earned her bachelor's degree from Pacific Union College and is fluent in both English and Spanish. She brings extensive experience from her earlier career in San Francisco’s financial services industry and applies this knowledge to help clients achieve their short- and long-term financial goals. In addition to her professional work, Cynthia volunteers in her local community as a member of Soroptimist International of St. Helena Sunrise. She lives in St. Helena with her family and enjoys outdoor activities such as hiking and camping.

Ryan Roland is a financial advisor with LPL Financial based in Petaluma, California. He holds the Series 66 designation and has one year of industry experience. His prior work includes roles at ClearView Wealth Partners, CED Inc, Demo Sport, Apple, and the University of Oregon. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, serving individuals, retirement plans, banks, and trust companies.

Ashley Loza is a financial advisor at Edward Jones with two years of industry experience. Prior to joining Edward Jones, she worked at JP Morgan Securities LLC and JP Morgan Chase Bank, and has also been involved in bookkeeping and entrepreneurial activities, including running Ashley Loza Bookkeeping and participating with dKomplex Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a nationwide network of financial advisors and branch offices.