Henry Pak is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC from 2012 to 2016. 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 process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Erica Minor is a financial advisor with Morgan Stanley in Santa Rosa, CA, holding Series 63 and Series 65 designations and 16 years of industry experience. She has been with Morgan Stanley Smith Barney since 2008. 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. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Genaro Fernandez is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2012, with prior experience at JP Morgan Securities and JP Morgan Chase Bank. Outside of his advisory role, Fernandez is involved in entrepreneurial activities, including ownership of a Baskin-Robbins franchise in Napa, CA, and serving as a notary public. 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 incorporates modern portfolio theory, serving as an ERISA fiduciary when providing investment advice and offering a broad range of financial product options.

Christopher Nolan is a financial advisor with Raymond James & Associates in Healdsburg, CA, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. He previously worked at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting through various advisory programs and institutional solutions.

Olivia Foppiano is a financial advisor at Edward Jones with five years of industry experience. She holds Series 63 and Series 66 designations. Prior to joining Edward Jones in 2021, she worked at Charles Schwab & Co., Inc. and SoFi, among other roles. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including diverse client segments from non-high-net-worth households to corporate and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs and investment solutions through a large nationwide network of financial advisors and branch offices.

Stefan Matwijiw is a financial advisor at Edward Jones in Santa Rosa, CA, holding a Series 66 designation with four years of industry experience. His prior work history includes roles at Pond Robinson & Associates and Partner Engineering & Science, Inc. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory strategies, tax-efficient services, and affiliated investment products through a large nationwide network of advisors and branch offices.

Michael Veit is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at various J.P. Morgan entities since 2013. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. As a subsidiary of J.P. Morgan, the firm delivers advisory services alongside brokerage, distribution, and investment management capabilities.

Michael Defazio is a financial advisor at LPL Financial with 19 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining LPL Financial in 2024, he worked at Redwood Credit Union and Cuso Financial Services, LP. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers various advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management along with model portfolios and research from multiple sources.

Joseph Sobolewski is a financial advisor at Edward Jones in Healdsburg, CA, with 23 years of industry experience. He holds Series 63 and Series 66 designations and has been with Edward Jones since 2002. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, operates under a fiduciary standard, and manages approximately $1.01 trillion in assets.

Keith Nguyen is a financial advisor with Wells Fargo Clearing in Santa Rosa, CA. He holds Series 65 and Series 63 licenses and has 15 years of industry experience. Nguyen has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients. The firm offers investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting, utilizing research from the Wells Fargo Investment Institute and third-party sources.

Jacob Peaty is a financial advisor at LPL Financial with six years of industry experience. He holds a Series 66 designation and has been with LPL Financial since 2017. Prior to that, he worked for RCU Auto Services from 2015 to 2017. Outside of his advisory role, he is involved with CPS Insurance Services as a non-variable insurance producer. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of advisers. The firm offers a wide range of financial planning and advisory programs, including retirement plan consulting and brokerage services, utilizing discretionary and non-discretionary management supported by in-house and third-party research.

Conveasna Ouch is a financial advisor at Wells Fargo Clearing with seven years of industry experience. She holds a Series 66 designation and has previously worked at Bank of America, Merrill, Target, and Verizon Wireless. 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, tailoring services to plan objectives, demographics, and risk tolerances while acting as an ERISA fiduciary.

Douglas Wulbrecht is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has worked at Raymond James & Associates since 2018, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of advising, he owns and manages rental real estate properties. Raymond James & Associates is a large dually registered broker-dealer and investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and investment consulting through various programs while providing access to a broad range of portfolio management styles and affiliated research.

David Wachter is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been establishing his practice since 1978, focusing on helping clients develop and maintain long-term financial plans through varying market cycles. His approach emphasizes working one-on-one with clients to create personalized financial strategies that align with their individual goals. David's expertise includes college education planning, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. He holds the Certified Investment Management Analyst (CIMA) designation and the CERTIFIED FINANCIAL PLANNER (CFP) certification. His educational background includes a Bachelor's Degree from the United States Military Academy at West Point and a Master's Degree in Business from the University of Oklahoma's Price Business School. Additionally, he has completed coursework at the Wharton School of Business. Outside of his professional work, David is married with two adult children and five grandchildren. He has an interest in genealogy, photography, reading, and spending time with his family. He also participates in community volunteering in line with Merrill's tradition of community involvement.

Thomas Dobransky is a financial advisor with LPL Financial based in Santa Rosa, California. He holds Series 63 and Series 65 licenses and has 43 years of industry experience, including over four decades with LPL Financial. He also acts as a trustee and fiduciary for his own 401(k) plan through Thomas J. Dobransky & Associates. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, providing both discretionary and non-discretionary management supported by model portfolios and research from LPL Research and third-party sources.

Matthew Miller is a financial advisor at Ameriprise with 19 years of industry experience. He holds the CFP® designation and Series 66 and Series 63 licenses. His prior work includes roles at Helios Quantitative Research and a previous tenure at Ameriprise Financial Services INC. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized retirement-income service focused on dependable income sources and tax-aware withdrawal strategies for clients near or in retirement. The firm’s approach integrates proprietary research, third-party data, and algorithmic tools within a managed account framework.

Nicole Reynolds is a Series 66-licensed financial advisor with Wells Fargo Clearing, based in Sonoma, CA, with four years of industry experience. She has been with Wells Fargo Clearing since 2021 and has worked at Wells Fargo Bank, N.A. since 2003. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related and bank deposit sweep options among its investment offerings.

Ehsan Gorjizadeh is a financial advisor with Wells Fargo Clearing in Corte Madera, CA, holding Series 63 and Series 65 licenses and possessing seven years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2018 and Wells Fargo Bank NA since 2013. Outside of his advisory role, he is involved in bookkeeping for a gas station in Mill Valley, CA. 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 advisory process is IPS-driven and incorporates modern portfolio theory, with a notable range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Bryan Anderson is a CFP® and Series 66-registered financial advisor with Edward Jones in Healdsburg, CA. He has 18 years of industry experience, all spent with Edward Jones since 2008. In addition to his advisory role, Anderson teaches a personal finance course as adjunct faculty at Wayland Baptist University. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Kristen Kaczmark is a financial advisor with Morgan Stanley in Santa Rosa, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She previously worked at Charles Schwab bank and Charles Schwab & Co., Inc. from 2010 to 2019 and had a brief tenure at Peninsula Wealth, LLC. She has been with Morgan Stanley Private Bank and MORGAN STANLEY SMITH BARNEY LLC since 2020. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that uses firm-approved tools and modeling techniques.