James Urda is a CFP® professional with 34 years of experience in the financial services industry. He has been with LPL Financial since 2006 and previously worked at Edward Jones from 2002 to 2006. Outside of his advisory work, he owns Urda Estate Vineyards LLC in Napa, CA. 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 broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Henry Choi is a CFP® and holds a Series 66 license with nine years of industry experience. He is currently with Edward Jones in Novato, CA, having joined the firm in 2025. Prior to Edward Jones, he worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. for a combined nine years and has earlier experience at Artech Information Systems. Edward Jones is a full-service wealth management firm serving individual and institutional clients across a broad spectrum, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a large national network of financial advisors and offers a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Karin Alvarado is a financial advisor at OSAIC with 26 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Woodbury Financial Services, Equitable Advisors, and Voya Financial Partners. Outside of her advisory role, she is involved in several business ventures including serving as CEO of New Aspect Capital Strategies, LLC, and managing marketing and branding as a partner in New Aspect Financial Services, LLC. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering a range of brokerage and advisory services supported by model-based asset allocation and multiple investment programs.

William Hjerpe is a financial advisor with Ameriprise in Napa, CA, holding a Series 63 designation and 38 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved in commercial real estate ownership. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, providing detailed recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

William Bertacco is a financial advisor at Edward Jones with two years of industry experience. Prior to joining Edward Jones in 2023, he worked for American AgCredit, ACA from 2013 to 2023. He serves as a board member of The Farm Bureau Foundation of Sonoma County and is a managing member of Gold Dirt Vineyards, LLC. 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 solutions, supported by a nationwide network of more than 23,000 financial advisors.

Ashlee Whittemore is a financial advisor at Morgan Stanley in Napa, CA, holding a Series 66 designation with three years of industry experience. Her prior work includes roles at Mango Publishing and positions in education at Cornell University and Justin-Siena High School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Courtney Guerci is a financial advisor with Wells Fargo Clearing in Napa, California, holding Series 66 and Series 63 licenses and nine years of industry experience. She has been with Wells Fargo Clearing and Wells Fargo Bank since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Margaret Ash is a Financial Consultant currently with Fidelity Investments since 2019. She has 15 years of experience in financial consulting, specializing in portfolio management, retirement planning, and risk mitigation. She holds FINRA Series 6, 7, 63, and 66 licenses and serves as a fiduciary. Prior to her current role, Margaret worked as a Senior Financial Advisor and Vice President at Union Bank Investment Services from 2017 to 2019, a Financial Advisor at Merrill Lynch from 2015 to 2017, a Personal Banker at Bank of America in 2015, and a Financial Representative at Metlife - New England Financial from 2010 to 2015. She also holds a California Insurance License. Outside of her professional work, Margaret enjoys family activities, fitness, hiking, running, skiing, and traveling.

Scott Stroud is a financial advisor at Cetera with one year of industry experience. He holds the PFS™ designation and has a background in accounting and business consulting, operating as the owner of North Bay CPA and CEO of North Bay Business Advisors Inc. Outside of his advisory work, he serves as Athletic Director and Treasurer for local youth basketball programs in the North Bay area. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers.

Justin Katz is a financial advisor with LPL Financial in Napa, CA, holding a Series 66 designation and eight years of industry experience. Prior to joining LPL Financial in 2023, he worked at Wells Fargo Clearing from 2017 to 2023 and was employed at CreativeLive, Inc. from 2015 to 2017. Outside of finance, Katz owns and operates a photography business based in Portland, OR. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset management, supporting a large network of investment adviser representatives.

Arnoldo Santiago is a financial advisor at UBS Financial Services with 28 years of industry experience. His career includes positions at Bank of America, Merrill, and Citigroup Global Markets. Santiago holds Series 63 and Series 65 credentials and is based in Napa, California. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management, utilizing proprietary research and model-based asset allocations to tailor client plans.

John Whittemore is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds Series 63 and Series 65 licenses. His prior work includes roles at Wells Fargo Clearing and UBS Financial Services. Morgan Stanley Wealth Management provides advisory services to both individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers a range of investment and planning solutions.

Gregory Soulsburg is a financial advisor with MassMutual Investors Services, holding a Series 66 credential and 25 years of industry experience. He has been with MML Investors Services since 2001 and with MassMutual since 2000. In addition to his advisory role, he is active as a sales agent with Silver Leaf Financial Management & Insurance Services. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes annual collaborative planning engagements using firm-approved analytical tools and offers a variety of programs including wrap accounts, money-manager solutions, and educational seminars.

Steven Mac Near is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 21 years of industry experience. His prior experience includes roles at LPL Financial, Next Financial Group, and Waddell & Reed, among others. Outside of advising, he operated MacNear Marine Surveys and Appraisals for over three decades. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party managers and program structures.

Peggy Engel Kent is a financial advisor with Edward Jones in Sonoma, CA, holding a Series 66 designation and 10 years of industry experience. She has been with Edward Jones since 2001. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs and investment strategies. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of more than 23,700 financial advisors.

Marion Wagner is a financial advisor with Ameriprise Financial Services, LLC, holding a Series 66 designation and nine years of industry experience. Prior to joining Ameriprise in 2024, Wagner worked at Wells Fargo Clearing and Wells Fargo Bank from 2015 to 2022 and was retired from 2022 to 2024. Outside of advising, Wagner has involvement in real estate ownership. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service providing clients with detailed retirement income planning advice based on comprehensive research, focused on dependable income and tax-aware withdrawal strategies.

Jesus Villalpando is a financial advisor at LPL Financial with three years of industry experience. He holds the Series 63 and Series 66 credentials and has worked at firms including Redwood Credit Union, Wells Fargo, and JPMorgan Chase. 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 services, including financial planning and third-party asset management, supported by a broad platform of proprietary tools and partnerships.

Bess Mckay is a financial advisor with Morgan Stanley in Rohnert Park, CA, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. She has been with Morgan Stanley and its subsidiary since 1998. Outside of her advisory role, she is involved with a trust based in Mill Valley, CA. 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, including tailored financial planning, managing approximately $2.74 trillion in client assets.

Christopher John Free is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 21 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. since 2018 and with JP Morgan Securities LLC since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process includes centralized due diligence with quantitative and qualitative research and may incorporate an ESG eligibility framework.

Christopher Stafford is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he worked at Exchange Bank and held various roles within legal offices and banking institutions. He serves as Treasurer and a board member for the Analy High School Education Foundation, a not-for-profit organization in Sebastopol, CA. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with a range of advisory programs and investment solutions. The firm manages approximately $1.01 trillion in assets and operates a network of over 23,000 financial advisors and 15,000 branch offices nationwide.