Brianna Bailey is a financial advisor with Morgan Stanley in Santa Rosa, California, holding a Series 66 license and six years of industry experience. She has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2019. Outside of her advisory role, Bailey serves as a board member and treasurer on the finance committee of Verity, a nonprofit focused on sexual assault and human trafficking prevention, intervention, and counseling. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured conversations and firm-approved tools but generally acts in an advisory capacity without 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 designations and with 42 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Western International Securities, Inc. for 10 years and has been involved with Andraos Capital Management and Union Central Life Insurance since 2008. He is also licensed as an agent for accident, health, life, and variable insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning, portfolio management, and institutional platforms, utilizing model portfolios, third-party subadvisors, and technology tools to support investment strategies.

Robert Lockhart is a financial advisor at Raymond James Financial with 18 years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones for 12 years before joining Raymond James in 2020. Outside of his advisory role, he serves as CEO of Align Financial Inc., a support company affiliated with his firm. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutions. The firm offers tailored non-discretionary planning and analytical tools, supports institutional consulting, and maintains specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

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. With over a dozen years of experience in the financial sector, he provides comprehensive financial services including investing and retirement planning. He works closely with clients to understand their priorities and develop strategies that align with their short-, mid-, and long-term goals. His approach includes access to a wide range of banking, credit, business, and lending services through Bank of America to offer holistic financial solutions. Samboun's expertise covers areas such as college education planning, family wealth management, legacy planning, managing new wealth, personal retirement planning, portfolio management, individual and corporate investment strategies, tax minimization, and retirement income. Holding a Personal Investment Advisor (PIA) designation, he earned his Bachelor's Degree from Sonoma State University. Beyond his professional role, Samboun enjoys 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.

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 with Ameriprise in Sonoma, CA. He holds Series 65 and Series 66 licenses and has worked in financial services since 2022, including prior roles at Pacific Private Money Inc and M Capital Technologies LLC. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement-income planning through written recommendation reports and ongoing advice, emphasizing dependable income sources and tax-aware withdrawal strategies.

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.

Calvin Metcalf is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America, Exchange Bank, and several aviation and educational organizations. Merrill, along 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christopher Garcia is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 18 years of industry experience. His prior firms include Redwood Credit Union, CUSO Financial Services, TD Ameritrade, and Fidelity, among others. He is associated with Redwood Credit Union concurrently with his role at LPL Financial. 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.

Dana Morton is a financial advisor with LPL Financial in Rohnert Park, CA, holding the ChFC® designation along with Series 63 and 65 licenses. He has 44 years of industry experience, including 17 years at The Morton Capital Group and a long tenure with LPL Financial dating back to 1982. Outside of his advisory role, he sells health insurance products specifically designed for seniors, including Medicare Advantage plans. 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 financial planning and investment management services, leveraging model portfolios, third-party subadvisors, and various advisory platforms to meet diverse client needs.