Alejandro Saavedra is a Series 66 licensed financial advisor with four years of industry experience. He is currently with J.P. Morgan Securities and has previously worked at Morgan Stanley and Bank of America Merrill Lynch. 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 and includes broader derivatives and commodities capabilities.

Nicholas Ng is a financial advisor at Merrill with eight years of industry experience. He holds the Series 66 designation and has been with Bank of America and Merrill since 2015. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

James Agrusa is a financial advisor with Ameriprise, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. In addition to his advisory role, he is involved in independent insurance brokering with Blue Shield of California and Kaiser Permanente. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Pamela Thompson is a CFP®-designated financial advisor with UBS Financial Services in Sacramento, CA, where she has worked since 2001. She has 28 years of industry experience. Outside of her financial advisory role, she and her husband perform music in wine tasting rooms, including Mangels Vineyards and Back Road Vines. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor plans that align with clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, providing a broad range of financial solutions.

Badrakhmaa Bukhkhuu is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and four years of industry experience. Prior to joining J.P. Morgan, Bukhkhuu worked at Bank of America and has been with JPMorgan Chase Bank, N.A. since 2022. 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 integrates quantitative and qualitative research with forward-looking capital market assumptions to develop model asset allocations, including ESG considerations.

Dianne Jones is a financial advisor at LPL Financial with 22 years of industry experience and holds a Series 66 designation. She has worked at LPL Financial since 2015, following a year at Ameriprise. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, with an emphasis on both strategic and tactical investment approaches.

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.

Mai Gigliotti is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. She holds Series 63 and Series 65 designations and has been with Wells Fargo in various capacities since 2011. 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 from Wells Fargo Investment Institute with third-party data to support its investment decisions.

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.

Oscar Robles is a Resident Director with Merrill Lynch Wealth Management, leading the Santa Rosa complex that manages more than $3 billion in client assets across Northern California. Alongside his leadership role, he advises clients directly through his wealth management practice, Lee Robles Associates, focusing on the needs of families, business owners, executives, and entrepreneurs. With over 15 years of experience in the financial industry, Oscar specializes in helping business owners, entrepreneurs, and self-made wealth creators navigate the complexities of financial success. His advisory process begins by understanding each client's values and goals. He coordinates strategies involving investment management, cash flow planning, lending, tax-aware investing, estate planning, and multigenerational wealth transfer. His areas of focus include college education planning, employee benefits planning, family wealth management strategies, legacy planning, personal retirement planning, tax minimization, and retirement income. Oscar holds a bachelor's degree from San Francisco State University and holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is bilingual in English and Spanish. Committed to community service, he is a founding member of Bank of America's Hispanic Latino Business Council for the San Francisco region and serves on the board of Community Health Initiative, a nonprofit that provides healthcare access to underserved families across California. Oscar resides in Napa Valley with his wife and three children.

Kerry Romstad is a financial advisor with Charles Schwab in Napa, California, holding Series 63, 65, and 66 licenses and 22 years of industry experience. He 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment selection process.

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 licenses and six years of industry experience. He has been with Primerica Advisors since 2020 and Primerica Financial Services since 2017. His work history includes roles outside finance, such as positions at Uber EATS, Loris Diner, and Caviar Inc. In addition to advisory services, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm’s investment approach uses model-delivery strategies managed by unaffiliated asset managers, supported by an overlay manager and custody services.

Daryl Salcedo is a financial advisor with LPL Financial, holding a Series 66 designation and with 22 years of industry experience. His career includes roles at Morgan Stanley, Wells Fargo Investments, Chase Investment Services, U.S. Bancorp Investments, and Travis Credit Union before joining LPL Financial in 2014. 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, model portfolio programs, and institutional platforms, supported by extensive operational tools and a broad network of over 22,800 advisors.

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 at Merrill Lynch Wealth Management. She specializes in collaborating with individuals and families to develop personalized wealth management strategies that address a broad range of life priorities, including family wealth management, retirement planning, and managing new wealth. Renee holds a Bachelor's Degree from Sonoma State University and has earned the designations of Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). She has experience focusing on comprehensive financial planning, emphasizing goals-based wealth strategies that adapt to changing market conditions and life stages. In addition to her professional work, Renee has been involved in community organizations such as COPE Family Resources and the Napa Valley College Foundation, where she has served in roles including HR Committee member and board member, respectively. Outside of work, she enjoys antiquing, gardening, music, and spending time with her family.

Austin Fitzpatrick is a Financial Advisor based in Napa, California, affiliated with Merrill Lynch Wealth Management. He specializes in working with individuals and families to develop personalized strategies that align with their financial goals, supporting clients through college education planning, family wealth management, and personal retirement planning. Austin integrates his background as a former collegiate and professional athlete into his approach, emphasizing discipline, preparation, and long-term commitment in financial planning. He holds a Bachelor's Degree in Finance from California State University, Stanislaus, and maintains the Chartered Retirement Planning Counselor™ (CRPC™) designation along with the Personal Investment Advisor (PIA) credential. In addition to his professional work, Austin is involved in his community through participation with the St. Helena Little League. His personal interests include baseball, cooking, fishing, hiking, and reading.