John Paul Wyatt is a Series 66-licensed financial advisor with 12 years of industry experience. He has worked at Wells Fargo Clearing since 2020 and previously held roles at Bank of America and Merrill. Outside of his advisory work, he co-owns Salt Point Beverage Company, an alcoholic beverage business based in Mill Valley, California. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates a range of investment vehicles, including insurance-related products and bank deposit sweep options.

Troy Stansbury is a financial advisor at LPL Financial with 16 years of industry experience and holds a Series 66 designation. His prior work history includes roles at BMO Bank, U.S. Bank, Merrill, Bank of America, TD Ameritrade, Scottrade, and Bancwest Investment Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios, combining extensive institutional resources with a large network of investment adviser representatives.

Emma Woods is a Financial Advisor at Merrill Lynch Wealth Management. She specializes in working with a diverse range of clients, including business owners, multigenerational families, and individuals experiencing significant life transitions. Her areas of focus include education planning, family wealth management strategies, legacy planning, LGBT wealth planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. Emma holds a Bachelor's Degree from the University of Alabama System. She has earned professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Her approach emphasizes understanding each client's individual priorities and building long-term relationships based on trust. Originally from Reno, Nevada, Emma enjoys football, pickleball, reading, scuba diving, skiing, traveling, and watching movies. She applies a personalized and relationship-focused philosophy to her work, helping clients uncover what matters most to them and develop strategies to pursue their financial goals.

Michael Costelloe is a CFP® with 36 years of experience in the financial services industry. He is currently with LPL Financial, where he has worked since 2019, following prior roles at H. Beck, Inc., Transamerica Financial Advisors, and Waddell & Reed. In addition to his advisory work, he teaches a retirement planning class at Truckee Meadows Community College. 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 model portfolio programs, with a focus on providing both discretionary and non-discretionary account management supported by research and operational tools.

Ramon Gonzalez is a financial advisor with Wells Fargo Clearing in Reno, NV, holding Series 63 and Series 65 registrations and bringing 29 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a seven-year tenure with Wells Fargo Advisors LLC. Outside of his advisory role, he is a co-author of a book titled "Finding the Real You!" and serves as treasurer for the Education Fund of Northern Nevada. 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 combines research-driven investment strategies with a broad range of brokerage and advisory solutions.

Eric Dye is a ChFC® and Series 66-licensed financial advisor with Edward Jones in Reno, NV, where he has worked since 2018. He has eight years of industry experience, including six years with Hidden Valley Country Club prior to joining Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients across a broad range of segments. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors and offers a variety of discretionary and non-discretionary investment strategies and affiliated financial products.

Susan Mckinney is a financial advisor at UBS Financial Services with 38 years of industry experience. She holds Series 63 and Series 65 licenses and has been with UBS since 2013. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans to clients' goals and risk tolerances.

Kyle Walker is a financial advisor with LPL Financial based in Reno, NV, holding a Series 66 designation and 10 years of industry experience. Prior to joining LPL Financial in 2024, he worked at Ameriprise, CIS Technologies Inc., and Edward Jones. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced research tools.

Adam Saporsky is a financial advisor with Edward Jones in Reno, NV, holding a Series 66 designation and 18 years of industry experience. He has been with Edward Jones since 2008. 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 and 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.

Matthew Laverone is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 21 years of industry experience. He has been with Cetera since 2013. Outside of his advisory work, he is involved in ranch operations where he participates in tasks such as irrigating, trimming trees, and harvesting. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and advisory services, supported by a nationwide network of over 10,000 advisors.

Michelle Bartel is a financial advisor at Charles Schwab with 24 years of industry experience. She holds the Series 66 designation and has been with Charles Schwab and its affiliated bank since 2005. Bartel has served on the John Muir Health Advisory Council and is a board member of Eco Thrive Initiatives, a nonprofit charitable organization. Charles Schwab serves high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management, financial planning, and brokerage services within a large, integrated operational platform.

Natasha Mihaylov is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at both Wells Fargo and Morgan Stanley in various capacities since 2011. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Eric Howsley is a CFP®-certified financial advisor with nine years of industry experience. He is currently with LPL Financial, where he has worked since 2024, following eight years at Ameriprise Financial Services, Inc. Outside of his advisory role, he has been involved with T-BIRD VENTURES LLC for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Mary Dicenso is a CFP® professional with 33 years of industry experience, currently serving as an advisor at LPL Financial since 2007. Prior to joining LPL, she worked at Citigroup Global Markets for four years. In addition to her advisory role, she is a licensed notary public and has taught at Truckee Meadows Community College. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a broad range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports advisors with a variety of investment programs and operational tools, managing over $819 billion in discretionary assets through a network of more than 22,800 advisors.

Jared Landis is a financial advisor at Fidelity with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Charles Schwab and Charles Schwab Bank. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across various investment vehicles.

Anthony Barbash is a financial advisor with RBC Capital Markets in Reno, NV, holding Series 63 and Series 65 licenses. He has 42 years of industry experience and has worked at RBC Capital Markets since 2010, concurrently serving at City National Bank since 2018. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with a range of advisory programs offering portfolio management, financial planning, custody, and brokerage services. The firm employs tailored investment strategies implemented through both in-house and third-party managers, supported by a broad capital-markets platform and integrated advisory capabilities.

Christian Hicks is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. Prior to his advisory roles at Wells Fargo, he worked in various positions related to golf operations and attended the University of Nevada, Reno. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics.

Erika Herfert is a CFP® and holds a Series 66 license, with 14 years of industry experience. She has been with UBS Financial Services since 2011. Outside of her advisory role, she is part owner and has an administrative role in Sierra Turin LLC, a business offering outdoor lessons and retail merchandise in Reno, NV, operating alongside her husband. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering access to proprietary research and a broad range of capital markets services.

Jennifer Zimmerman is a Series 66-licensed financial advisor with Morgan Stanley in Reno, Nevada, and has 18 years of industry experience. She has worked at Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory role, she manages rental property operations. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning that incorporates firm-approved tools and methodologies to support client goals.

Janeen Ingram is a financial advisor with LPL Financial in Carson City, NV, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. Her prior experience includes roles at Calton & Associates, Smoke Junction Inc., Ameritas Investment Corp, and Morgan Stanley DW Inc. Since 2015, she has been involved in non-variable insurance commission trails related to investment activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions with a range of advisory and brokerage services, including financial planning and model portfolio programs.