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.

Ryan Roland is a financial advisor with LPL Financial holding a Series 66 designation. He has experience working at LPL Financial and ClearView Wealth Partners since 2024, with prior roles at CED Inc, Demo Sport, Apple, and the University of Oregon. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

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.

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 experience in the financial services industry. He is currently with LPL Financial and has previously worked at Tomren Wealth Management, Commonwealth Financial Network, and Madison Avenue Securities, LLC. He maintains an active role with Tomren Wealth Management alongside his position at LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management and a variety of model portfolios and research resources.

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 at LPL Financial with a Series 66 designation and one year of industry experience. His prior work history includes roles at Northwestern Mutual Investment Services, LLC and various positions related to the University of Colorado Boulder Recreation Center. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, and charitable organizations, through a national network of investment adviser representatives. The firm offers diverse advisory programs, financial planning, and consulting services supported by research, model portfolios, and technology-driven solutions.

Gregory Randall is a Certified Financial Planner (CFP®) with 29 years of industry experience. He has been with LPL Financial since 2012 and operates out of Santa Rosa, CA. Randall also manages a personal wealth management business under the name GW Randall & Associates. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from LPL and third-party subadvisors.

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 at LPL Financial with 22 years of industry experience and holds the ChFC® and Series 66 designations. She has worked at several firms including The Social Equity Group, Inc. and Financial West Group. Smith serves on the board of a nonprofit square dancing club. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research and model portfolios.

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.

Tyler Hunter is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and two years of industry experience. He has been with Wells Fargo Clearing since 2021 and previously worked in various roles including at Sonoma State University and Home Depot. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages roughly $671 billion in assets and provides both brokerage and advisory solutions, relying on research and analytics to support investment decisions.

John Giffin is a financial advisor with LPL Financial in Sonoma, CA, holding the Series 63 and Series 65 designations and bringing 42 years of industry experience. He has been with Linsco/Private Ledger, affiliated with LPL Financial, since 2007. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutional entities. The firm offers various advisory and brokerage services through a national network of investment adviser representatives, providing discretionary and non-discretionary management supported by extensive research and model portfolio options.