Joseph Turfa is a financial advisor with LPL Financial in Napa, California, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has a longstanding career that includes roles at Redwood Credit Union, Cuso Financial Services, Equitable Advisors, and Mid Atlantic Financial Management. Outside of his advisory work, he is involved with real estate rental activities in Pioneer and El Verano, California. 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 supported by technology-driven research tools and manages more than $819 billion in discretionary assets through a large network of investment adviser representatives.

Jon Niebling is a financial advisor with Morgan Stanley in Napa, California, holding a Series 63 designation and bringing 46 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and affiliated with Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory work, he has authored a fiction e-book under the pen name Jon Gregory and serves as Communications Director for a dive-related charity in Napa. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and modeling techniques.

David Rodriguez Cruz is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and seven years of industry experience. He has worked with various Wells Fargo entities since 2014. Outside of his advisory role, he owns and operates an online resale business and is a Notary Public. 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 combines research and analytics with a broad range of financial products through bank and insurance affiliates.

Mohammad Reza Shabani is a financial advisor at J.P. Morgan Securities with 8 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, N.A. and Wells Fargo in various roles since 2015. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary framework. The firm supports its advisory process with centralized due diligence and incorporates ESG criteria into its recommendations.

Ian Wetherell is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and possessing 26 years of industry experience. His prior roles include positions at Principal Funds Distributor, Inc, Nationwide Investment Services Corporation, Manulife Investment Management (US) LLC, and John Hancock entities. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, providing advice and account management through a broad network of investment adviser representatives.

John Heflebower is a financial advisor with Merrill in Napa, CA, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked with Merrill since 1989 and Bank of America since 2010. Outside of advising, he occasionally consults for the wine industry and is involved as a limited partner in LLCs related to movie production. 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 investment strategies for a range of clients including individuals, high-net-worth investors, and institutions.

Sean Connolly is a financial advisor with J.P. Morgan Securities, holding Series 65 and Series 63 licenses and six years of industry experience. Prior to joining J.P. Morgan Securities, he worked at JPMorgan Chase Bank, N.A., and spent nine years at House of Prime Rib (Betz & Sons). J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research to build model asset allocations, supporting clients who retain final decision-making authority.

Mitchell Alvey is a Financial Consultant at Fidelity Investments, where he has been serving since 2025. Prior to his current role, he held positions at Fidelity including Planning Consultant from 2022 to 2025, Investment Consultant from 2021 to 2022, and Financial Representative from 2019 to 2021. His approach centers on building trust with clients by understanding their priorities, goals, and vision for the future, ensuring portfolios are aligned with their aspirations. Mitchell holds a California Insurance License. Outside of his professional work, Mitchell has interests in football, movies, music, parenthood, pets, and puzzles.

Jhonny Kreidi is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His previous roles include positions at Bank of America, Mass Mutual Investors Services, and NYLife Securities. Outside of finance, he has worked in retail at Flares Bridal And Formal. 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. The firm offers both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Tiffany Walls is a financial advisor with UBS Financial Services in Napa, CA, holding a Series 66 designation and bringing 16 years of industry experience. She has been with UBS since 2011. Outside of her advisory role, she operates a personal business providing notarization services. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-driven, tailored investment strategies.

Jorge Rey Prada is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and previously worked at LPL Financial for four years before joining Morgan Stanley in 2019. 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 tailored financial planning, managing approximately $2.74 trillion in client assets.

Waicheuk Chan is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and 32 years of industry experience. He has worked with Equitable Advisors and its predecessor AXA Advisors since 1999. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm uses a range of advisory programs and third-party asset managers, focusing on client risk assessment and personalized investment solutions.

Jared Worthington is a financial advisor with Cetera holding a Series 66 designation and no prior industry experience. His work history includes roles at several firms since 2026 and prior experience in logistics and robotics sectors. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of advisors and provides access to multiple investment strategies and third-party managers.

Joseph Klein is a financial advisor at Edward Jones in Sonoma, CA, with 14 years of industry experience. His prior roles include positions at Verdant Power Inc., where he served as a director involved in strategic board activities, and Leerink Swann LLC. Klein holds Series 63 and Series 66 licenses. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, as well as affiliated mutual funds and tax-efficient services.

Michael Kofford is a financial advisor at Charles Schwab with five years of industry experience. He holds a Series 66 designation and previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. Outside of his advisory role, he serves as a board member for Loaves and Fishes of Contra Costa, a nonprofit organization. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and research from the Schwab Center for Financial Research.

Harold Hilliard Jr. is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 24 years of industry experience. He previously worked at Avantax Advisory Services and Avantax Investment Services for 17 years. In addition to his advisory role, he serves as Vice President and Relationship Manager at Emerge Financial, assisting with marketing and business management. Cetera Investment Advisers LLC is a multi-manager platform serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, with access to various program structures and third-party money managers.

Stephisha Ycoy Walton is a financial advisor with Primerica Advisors in Oakland, CA, holding Series 63 and Series 65 licenses and 11 years of industry experience. She has been affiliated with PFS Investments Inc. since 2014 and Primerica Financial Services since 2013. Outside of her advisory role, Walton is an educator at The Freedom School and is involved as a beta tester for the Capital Group Community Wealth Council. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and limited discretionary separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Kimber Smith is a ChFC® and Series 66-credentialed financial advisor with Edward Jones, where she has worked since 2012, totaling 13 years of industry experience. She serves as a board member for the Solano County Library Foundation and participates in the Rotary Club of Fairfield, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a wide range of advisory programs and affiliated financial services, supported by a large nationwide network of advisors and branches.

Tom Dowse is a Series 66-licensed financial advisor with Morgan Stanley in Napa, California, and has 26 years of industry experience. He has been with Morgan Stanley and its private bank since 2014 and serves as President and CEO of Dowse Securities Management Corporation. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a range of investment programs.

Tracy Schmuhl is a financial advisor with Charles Schwab in Napa, CA, holding a CFP® designation and Series 63, 65, and 66 licenses. She has 11 years of industry experience, including roles at Charles Schwab Bank SSB, Charles Schwab & Co., Inc., and Banc of America Investment Services, Inc. Outside of her advisory work, she provides notary services. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management alongside brokerage and custody services.