Jeff Roman is a financial advisor at Charles Schwab with a Series 66 credential and experience spanning roles at Northwestern Mutual and HA Financing. He has been with Charles Schwab and its affiliated bank since 2025. Outside of his advisory work, Roman serves on the boards of the Napa County Hispanic Network and Moose International Lodge 516, contributing to scholarship fundraising and lodge maintenance, respectively. Charles Schwab & Co., Inc. serves a large client base primarily consisting of 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 both non-discretionary and discretionary investment guidance supported by multi-asset model portfolios, centralized supervisory structures, and a formal alternative investment process.

Monique Moreno is a financial advisor at Merrill with 15 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch Pierce, Fenner & Smith, Inc. since 2007. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers a range of model-based and discretionary investment strategies tailored for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kerry Romstad is a financial advisor at Charles Schwab with 21 years of industry experience. He holds Series 63, Series 65, and Series 66 designations and has been with Charles Schwab and Charles Schwab Bank since 2012. Charles Schwab & Co., Inc. serves a large client base primarily consisting of 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 using multi-asset model portfolios, supported by centralized supervisory, custody, and order-routing arrangements.

David Ellman is a financial advisor with Wells Fargo Clearing in Concord, CA, holding Series 63 and Series 66 designations and bringing 23 years of industry experience. His prior roles include positions at LPL Financial, BMO Bank NA, and BancWest Investment Services. He also holds a California real estate license and is responsible for licensing oversight within the state. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Sagar Gurung is a financial advisor with Primerica Advisors in Concord, CA, holding Series 65 and Series 63 credentials and six years of industry experience. He has been with Primerica Advisors since 2020 and also has prior experience with Primerica Financial Services and other businesses including Loris Diner Inc. and Uber EATS. Primerica Advisors sponsors a wrap-fee asset management program serving mainly individual investors, corporate, and charitable clients, employing model-delivery strategies managed by unaffiliated asset managers and supported by custodial and execution services from BNY Mellon Advisors and Pershing.

Bryden Craig is a financial advisor with Merrill holding a Series 66 designation and no prior industry experience. His work history includes positions at Bank of America, Merrill, Fidelity Investments, and Redwood Credit Union. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals and institutional clients.

Melinda Fairweather is a financial advisor with Raymond James Financial in Pleasant Hill, CA, holding a Series 66 designation and two years of industry experience. Her prior roles include positions at Edward Jones and Bank of America. Outside of her advisory work, she is involved with SilverTree Collective and Wasser Wealth Management, where she serves as a Registered Client Relationship Manager, and she receives referral fees through Fire Friends, LLC, a wildfire protection referral business. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm employs tailored, non-discretionary planning and analytical tools to support client goals and maintains unique municipal advisory capabilities alongside specialized retirement plan consulting.

Jamie Olhiser is a financial advisor with UBS Financial Services, holding a Series 66 designation and three years of industry experience. He has worked at UBS since 2021 and is also associated with Evolve. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, employing proprietary capital market assumptions and model-based asset allocations to tailor plans to clients' goals. The firm combines institutional trading capabilities with wealth management services and provides custody, underwriting, and capital markets solutions.

Kenneth Casper Jr. is a CFP® professional with 25 years of experience, all with Edward Jones since 2001, based in Benicia, CA. Outside of his advisory role, he manages a rental property. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies, with approximately $1.01 trillion in assets under management supported by a large nationwide network of financial advisors and branch offices.

Susan Lyle is a Senior Financial Advisor and First Vice President with Merrill Lynch Wealth Management in Napa, California. She brings more than three decades of experience in the financial services industry, having held positions at Dean Witter, First Union, WMFS Financial, FB Financial Services, and Wells Fargo. At Merrill Lynch, Susan serves a diverse and accomplished clientele nationwide, providing wealth management strategies tailored to multiple generations of families. Her expertise includes college education planning, executive compensation, family wealth management, personal retirement planning, portfolio management, special needs planning, tax minimization, and retirement income strategies. Susan holds a Bachelor's Degree from Palm Beach Atlantic University and professional designations as a Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). She collaborates with a team of strategic specialists at Merrill Lynch and partners with banking services at Bank of America. Susan also coordinates with clients’ CPAs and attorneys to address tax or legal updates, helping identify potential gaps in financial plans. Beyond her professional work, Susan has served as a board member for Mentis, Napa’s center for mental health services. She has volunteered for various causes supporting children and senior citizens and coached youth sports during her children's early years. Her personal interests include swimming, spending time with her pets, home improvement projects, and exploring the Napa area through dining and wine tasting.

Renee Mc Leod is a Senior Financial Advisor specializing in wealth management strategies at Merrill Lynch Wealth Management. She supports clients in areas such as family wealth management, managing new wealth, personal retirement planning, women and wealth, and retirement income. Renee collaborates with her clients to develop personalized financial strategies that align with their long-term goals and adapt to changing market conditions. Renee holds a Bachelor's Degree from Sonoma State University and has earned professional designations as a Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). She engages with professional and community organizations including COPE Family Resources and the Napa Valley College Foundation, where she has previously held roles on the HR Committee and board, respectively. Outside of her professional work, Renee enjoys antiquing, gardening, music, and spending time with her family. Gardening is a personal interest that helps her stay grounded. She values building strong relationships with clients and guiding them through their financial journeys by focusing on their primary life priorities.

Austin Fitzpatrick is a Financial Advisor based in Napa, California, affiliated with Merrill Lynch Wealth Management. He works with individuals and families to develop personalized financial strategies aimed at helping clients make confident decisions about their financial futures. His focus includes college education planning, family wealth management strategies, and personal retirement planning. Austin's approach integrates principles learned from his experience as a former collegiate and professional athlete, emphasizing discipline, preparation, and a long-term perspective. He assists clients in navigating important financial decisions such as retirement preparation, wealth building and preservation, major life transitions, and legacy creation. He holds the Chartered Retirement Planning Counselor™ (CRPC™) designation and the Personal Investment Advisor (PIA) professional designation. He earned a Bachelor's Degree in Finance from California State University, Stanislaus. Beyond his professional work, Austin is involved in his community through participation with St. Helena Little League. His personal interests include baseball, cooking, fishing, hiking, and reading.

James Dimarco is a financial advisor with LPL Financial in Napa, CA, holding a Series 66 credential and 18 years of industry experience. He has worked at LPL Financial since 2015 and was also associated with Financial Advocates Investment Management during part of that time. 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 financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management along with access to model portfolios, research, and various investment strategies.

Michael Reilly is a financial advisor at Edward Jones with 34 years of industry experience. He has been with Edward Jones since 1989. Outside of his advisory role, he is listed as an owner of a rental property business. Edward Jones is a wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Ronald Boyce is a financial advisor at Charles Schwab with 14 years of industry experience. He holds a Series 66 designation and has been with Charles Schwab since 2011. 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 solutions supported by multi-asset model portfolios and a centralized operational structure.

Scott Gordon is a financial advisor at Cetera with 11 years of industry experience. He holds a Series 66 designation and has worked at Cetera, American River Wealth Management, Wells Fargo Clearing, and Morgan Stanley. He is also involved with American River Wealth Management, providing wealth management and planning services. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts, offering various portfolio management and financial planning services through a multi-manager platform.

Michael Jankiewicz is a financial advisor with UBS Financial Services based in Napa, California, holding a Series 63 designation and with 40 years of industry experience. He has worked at Painewebber Incorporated since 1985. Outside of his advisory role, he serves as President of the Napa Valley Baseball Club Inc. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources.

Julie Cutler is a financial advisor at OSAIC with six years of industry experience. She holds a Series 66 designation and has previously worked at Lincoln Financial Advisors Corporation and Cornerstone Capital. OSAIC serves a diverse client base that includes individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm provides a range of services including brokerage, investment advisory, financial planning, and access to third-party money managers, utilizing asset-allocation tools and automated rebalancing to manage portfolios across various asset classes.

Grant Smith is a financial advisor with LPL Financial in Napa, California, holding a Series 66 designation and seven years of industry experience. His prior experience includes roles at Oppenheimer & Co. Inc and Fidelity National Title. He also provides investment advisory services through Financial Advocates Investment Management, an independent registered investment advisor. 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 advisory programs, financial planning, and consulting services supported by research and model portfolio strategies.

Ricardo Guedes is a financial advisor at Merrill with seven years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A. since 2019 and Merrill since 2017. Prior to that, he had brief tenures at New York Life and a period of unemployment. Merrill, together 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 model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.