Beth Wyatt is a Certified Financial Planner (CFP®) with 39 years of experience in the financial services industry. She has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Wyatt is based in Santa Rosa, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize firm-approved tools and methodologies, managing approximately $2.74 trillion in client assets.

John Demarest is a financial advisor at Raymond James & Associates with 28 years of industry experience. He holds Series 63 and Series 65 designations and previously worked for Morgan Stanley Smith Barney LLC for nine years. 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, non-discretionary investment consulting, and institutional fiduciary solutions supported by a broad range of portfolio management styles and affiliated research.

Ernest Dunlap is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015, as well as Morgan Stanley Smith Barney LLC since 2011. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs a structured planning process supported by firm-approved tools and manages approximately $2.74 trillion in client assets.

Aimee Matthews is a financial advisor with Ameriprise in Rohnert Park, CA, holding a Series 66 designation and nine years of industry experience. She has been with Ameriprise and its affiliate since 2014. Outside of her advisory role, Matthews serves on the board of directors for Autumn Hill HOA and is a children’s book author and illustrator under the name A.R. Matthews. Ameriprise provides a retirement-income planning service targeting individuals nearing or in retirement, focusing on clients with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary retirement income recommendations through a centralized consulting team.

Brian Sullivan is a CFP® with 12 years of industry experience. He is currently affiliated with LPL Financial and has prior experience at Tomren Wealth Management, Commonwealth Financial Network, Madison Avenue Securities, and Ameritas Investment Company. Sullivan maintains involvement with Tomren Wealth Management alongside his role at LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports a wide range of investment strategies through its network of investment adviser representatives and provides access to financial planning, model portfolios, third-party asset management, and institutional platforms.

Ross Monten is a financial advisor at Morgan Stanley with 10 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 2020, following four years at Edward Jones. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, including tailored financial planning services supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning solutions.

Anber Saleem is a financial advisor with Wells Fargo Clearing in Santa Rosa, CA. He holds Series 63 and Series 65 licenses and has 14 years of industry experience. Saleem has worked with Wells Fargo Clearing and related affiliates since 2016. Wells Fargo Advisors is a national securities firm providing 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.

Cristian Lomoro is a financial advisor with LPL Financial holding a Series 66 designation and less than one year of industry experience. Before joining LPL Financial in 2026, he worked at Northwestern Mutual Investment Services, LLC and held various roles at the University of Colorado Boulder Recreation Center. 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 including financial planning and access to third-party asset management, supported by a large network of investment adviser representatives.

Gregory Randall is a CFP® with 29 years of industry experience and has been with LPL Financial since 2012. Prior to that, he worked at Ameriprise for 15 years. He operates a personal wealth management business under GW Randall & Associates in Santa Rosa, CA. 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 through a large network of investment adviser representatives, utilizing model portfolios, third-party subadvisors, and customized strategies.

Joseph Corsino is a financial advisor with Edward Jones in Napa, CA, holding a Series 66 designation and seven years of industry experience. His prior work includes positions at Residential Bancorp and Primary Residential Mortgage Inc before joining Edward Jones in 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of advisors and branch offices.

Mark Cordeiro is a financial advisor with Morgan Stanley in Napa, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Cordeiro serves on the boards of Napa Valley College Foundation, Napa Valley College, and the Boys & Girls Club of Petaluma. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in assets. The firm employs a structured planning process supported by proprietary tools and offers its services both directly and through corporate agreements.

Kenneth Rode is a financial advisor at LPL Financial with experience beginning in 2025. He has been associated with G&J Seiberlich & Company LLP since 2009. 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 financial planning, model portfolio programs, third-party asset management, participant-level retirement advice, and institutional platforms, with a broad range of advisory and brokerage services delivered through a large network of investment adviser representatives.

Judith Enochs is a financial advisor with Stifel in Santa Rosa, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has been with Stifel Nicolaus & Co Inc since 2014. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies developed by its Investment Strategy Group.

Sidney Rico is a financial advisor at Edward Jones in Santa Rosa, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones in 2026, Sidney worked at NYLIFE Securities LLC and New York Life Insurance Company for one year, and spent four years at Redwood Credit Union. Earlier work includes roles at In-N-Out and Ukiah High School. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with a broad range of investment advisory services, including discretionary and non-discretionary strategies, separate managed accounts, and affiliated funds. The firm manages approximately $1.01 trillion in assets and operates a large network of financial advisors and branch offices nationwide.

Matthew Veal is a CFP® professional with 26 years of industry experience, currently serving at Morgan Stanley in Santa Rosa, CA. He has been with Morgan Stanley Private Bank since 2015 and was previously affiliated with Morgan Stanley Smith Barney starting in 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individual and institutional clients, including customized financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and market analysis.

Erin Ray is a financial advisor at Morgan Stanley with 31 years of industry experience. She holds the Series 63 and Series 65 credentials and has worked at Morgan Stanley Smith Barney since 2021, following a 12-year tenure at Merrill. Outside of her advisory role, she is a silent partner in Brian Ray and Associates, a construction and engineering firm based in Santa Rosa, California. Morgan Stanley Wealth Management delivers a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm emphasizes a structured planning process supported by proprietary tools and offers both direct individual plans and corporate financial planning agreements.

Ute Scott Smith is a financial advisor with LPL Financial in Santa Rosa, CA, holding the ChFC® and Series 66 designations and bringing 22 years of industry experience. Her prior experience includes roles at The Social Equity Group, Inc. and Financial West Group. She serves as a board member for the Redwood Rainbows Square Dancing Club, a nonprofit organization. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning, asset management, and retirement advice solutions, supported by a large network of investment adviser representatives and advanced research tools.

Clarence Souza is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has over 25 years of industry experience and joined Merrill Lynch in 2013. Clarence specializes in providing tailored financial strategies for a diverse clientele, including high-net-worth individuals such as executives, entrepreneurs, and families. His expertise includes portfolio management, tax minimization strategies, customized lending, asset preservation, retirement income planning, cash flow analysis, trust and estate planning services, and wealth transfer strategies. Clarence collaborates closely with attorneys, accountants, and other advisors to coordinate comprehensive financial and legacy plans for his clients. He employs a goals-based planning process that focuses on developing personalized financial strategies that align with each client's priorities. Clarence holds the CERTIFIED FINANCIAL PLANNER (CFP) certification and a Personal Investment Advisor (PIA) designation. He earned a bachelor's degree in Economics from the University of California, San Diego, and a master's degree in Financial and Tax Planning from San Diego State University.

Jessica Kozlowski is a financial advisor at Edward Jones in Santa Rosa, CA, holding a Series 66 designation with seven years of industry experience. She has worked at Edward Jones since 2011 and has held concurrent roles at companies including Lyft and Uber. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, managed solutions, and affiliated investment products. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of over 23,700 financial advisors.

Kevin Lee is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in creating personalized wealth management strategies that reflect the unique financial goals and changing market conditions his clients face. Kevin provides access to investment insights from Merrill alongside the banking and lending solutions of Bank of America, aiming to help clients pursue their objectives through tailored financial planning. His expertise covers a broad range of client needs, including college education planning, divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management, socially responsible and ESG investing, individual and corporate investment strategy, and retirement income. Kevin holds the Personal Investment Advisor (PIA) designation and earned a bachelor's degree from Sacramento State University. Kevin is also involved in several community organizations, including the Cardinal Newman High School Dad's Club, Rincon Valley Christian High School, Maria Carrillo High School, and the Santa Rosa Chamber of Commerce.