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 registrations and 18 years of industry experience. His career includes roles at Fidelity Investments, TD Ameritrade, and Redwood Credit Union, where he has worked since 2019. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of financial planning and advisory programs, featuring both discretionary and non-discretionary management, model portfolios, and research from multiple sources.

Dana Morton is a financial advisor with LPL Financial, holding a ChFC® designation and Series 63 and 65 licenses, with 44 years of industry experience. He previously worked at The Morton Capital Group for 17 years and has been with LPL Financial since 1982. Morton also sells health insurance to seniors, including Medicare Advantage plans, as part of his business activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, various advisory programs, retirement plan consulting, and brokerage services, providing discretionary and non-discretionary management supported by research and model portfolios.

Corey Hayashi is a CFP® and Series 66-registered financial advisor with Edward Jones in Alameda, CA. He has 15 years of industry experience and has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with approximately $1.01 trillion in assets under management and over 23,700 financial advisors nationwide. The firm 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.

James Wandzilak is a CFP® professional with 33 years of industry experience. He has worked at Edward Jones since 2000 and has additional experience with Wells Fargo Securities Inc. and Wells Fargo Bank, N.A. since 1994. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of financial advisors and branch offices.

Mark Dunn is a financial advisor at Edward Jones with 11 years of industry experience. He holds the CFP®, ChFC®, and Series 66 designations and has been with Edward Jones since 2014. 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 through a nationwide network of about 23,701 advisors and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Joel Parrish is a financial advisor with Edward Jones in Petaluma, CA, holding a Series 66 designation and 14 years of industry experience. He has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of advisors and branch offices.

Stephen Byers is a financial advisor with LPL Financial in Santa Rosa, CA, holding a Series 66 designation and five years of industry experience. He has worked at LPL Financial and its affiliated Scarbrough Financial Group since 2017, with prior experience at CGC Financial Services, Polaris Greystone, and Ghilotti Bros. 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 provides a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Catherine Cole is a financial advisor with Wells Fargo Clearing in Corte Madera, CA, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. She has been with Wells Fargo Bank and Wells Fargo Clearing since 2022 and previously spent 18 years as a stay-at-home parent. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services grounded in modern portfolio theory. The firm acts as an ERISA fiduciary and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options, in its investment offerings.

Richard Pitt is a financial advisor with Ameriprise in Santa Rosa, CA, holding a Series 63 designation and over 30 years of industry experience. He has been with Ameriprise and its affiliated entities since 1996. Outside of advisory services, he is involved in independent insurance brokering across several health insurance providers. Ameriprise offers a retirement-income planning service designed for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored recommendations. The firm delivers a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

Deepinder Sekhon is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2019, following previous roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory work, he serves on the finance committee for the Sonoma County Tourism Bureau. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process that incorporates advanced modeling tools and serves clients through both direct and corporate financial planning agreements.

Mark Reed is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and 13 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA 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 notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Soon Chang is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and nine years of industry experience. His career includes roles at Wells Fargo Bank, N.A. since 2016 and JP Morgan Chase Bank from 2016 to 2020. 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 with more than 14,000 financial advisors and offers a range of brokerage and advisory solutions.

Samuel Tonascia is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in providing personalized wealth management services tailored to the unique ambitions and financial goals of his clients. His work focuses on helping clients with family wealth management strategies, legacy planning, retirement planning, portfolio management, socially responsible and values-based investing, tax minimization, and retirement income. Samuel and his team serve families, retirees, athletes, business owners, and non-profit organizations in the Bay Area and across the United States. Their approach emphasizes getting to know each client personally to define goals and investment preferences before developing financial strategies. They provide ongoing support through multiple meetings per year, including annual reviews to update plans and adjust goals as needed. He holds a Bachelor's Degree from Arizona State University and carries the designations of CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Outside of his professional activities, Samuel enjoys cooking, hiking, music, reading, running, spending time with his family, and watching movies.

Eden Williams is a financial advisor with Morgan Stanley in Santa Rosa, CA, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. Williams has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, delivering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using firm-approved tools and provides services primarily in an advisory capacity.

Phuong Lam is a financial advisor with Wells Fargo Clearing and holds Series 63 and Series 66 licenses. Lam has 10 years of industry experience, including prior roles at JP Morgan Securities, LLC and JP Morgan Chase Bank NA. Outside of advisory work, Lam is involved in managing a rental property jointly owned with a 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 grounded in modern portfolio theory. The firm’s approach includes an investment policy statement–driven process and a broader range of financial products than typical institutional advisers.

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.