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 previously worked at Lincoln Financial Advisors Corporation and Cornerstone Capital. OSAIC Wealth serves a diverse client base including retail investors, retirement plans, charities, and corporate clients through a multi-advisor platform. The firm offers a range of brokerage and advisory services with an investment process focused on model-based asset allocation and portfolio optimization.

Ricardo Guedes is a financial advisor with Merrill in Concord, CA, holding a Series 66 designation and seven years of industry experience. He has been with Merrill since 2017 and concurrently with Bank of America, N.A. since 2019. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Benjamin Crombie is a financial advisor with Edward Jones in Suisun City, CA, holding CFP® and Series 66 designations and bringing 19 years of industry experience. He previously worked at LPL Financial for 13 years before joining Edward Jones in 2024. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including various household types, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,700 advisors and offers a range of advisory programs and investment strategies under a fiduciary standard.

Melanie Whitehead is a CFP® professional with 25 years of industry experience, currently serving at OSAIC since 2025. She spent 24 years at Lincoln Financial Advisors prior to joining OSAIC. Outside of her advisory role, she is a Notary Public and provides health, disability, long-term care, and traditional life insurance services. OSAIC Wealth serves a diverse client base including retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization and supports a range of investment strategies and third-party manager options.

Francis Dolan is a financial advisor with Morgan Stanley in Napa, California, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. His prior roles include positions at Bank of America, Merrill, and Banc of America Investment Services. Outside of his advisory work, he is involved in a family-held LLC that manages a vacation home with his siblings. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools and models.

Jose Jimenez is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 11 years of industry experience. He previously worked at Bank of America N.A. and Merrill from 2012 to 2022 before joining J.P. Morgan Securities in 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 searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research to build model asset allocations and incorporates ESG eligibility frameworks where applicable.

Aurelia Dukes is a financial advisor at OSAIC with 34 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Lincoln Financial Advisors Corporation. Dukes is also licensed to offer accident, health, disability income, and traditional life insurance. OSAIC Wealth serves a wide range of retail and institutional clients through a multi-advisor platform that provides brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment process uses model-based asset allocation and portfolio optimization supported by risk-tolerance assessments and rebalancing tools.

Ashneil Prakash is a financial advisor at Edward Jones in Fairfield, CA, holding a Series 66 credential with three years of industry experience. Before joining Edward Jones in 2023, he was involved with American Smog Inc. for 17 years. 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 wide range of investment advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Sunny Sharma is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. He has 11 years of industry experience, having previously worked at Edward Jones, LPL Financial, Commonwealth Financial Network, and Irving Fisher Private Wealth Management. Outside of advising, he is also an independent insurance agent. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services across multiple platforms and custodians.

Walter Bennett Jr. is a financial advisor with Charles Schwab in Napa, CA, holding a Series 63 designation and 29 years of industry experience. He has worked at Charles Schwab since 1991 and at Charles Schwab Bank since 2005. 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 advisory relationships alongside access to discretionary separately managed accounts, supported by multi-asset model portfolios and extensive due diligence on alternative investments.

Brenda Knudsen is a financial advisor at Fidelity with 24 years of industry experience. She holds a Series 66 credential and has previously worked at firms including Lucia Securities, Lucia Capital Group, and RBC Capital Markets. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Phillip Cordano is a CFP® professional with 25 years of industry experience, currently advising at Osaic. Prior to joining Osaic in 2025, he spent 24 years with Lincoln Financial Advisors Corp. He is also licensed to offer health, long-term care, and traditional life insurance products. Osaic Wealth serves a wide range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and unified managed accounts. The firm’s investment process focuses on model-based asset allocation, portfolio optimization, and multiple implementation options through affiliated broker-dealer and RIA relationships.

Styles Scroggins is a financial advisor at Fidelity with a Series 66 designation and less than one year of industry experience. Prior to joining Fidelity, Scroggins held roles at Morgan Stanley, Northwestern Mutual, and worked for four years with Rover and the US Marine Corps. Fidelity, through its Strategic Advisers LLC division, offers investment management and advisory services to a diverse client base including retail and institutional investors, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

James Carabini is a financial advisor with Ameriprise in Sonoma, CA, holding a Series 63 designation and 33 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement who meet certain asset thresholds, offering written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm uses a combination of research, modeling, and tax-efficiency analysis to generate tailored recommendations, with a focus on assets held in Ameriprise Managed Accounts.

John Cowles is a financial advisor with Edward Jones, holding the Series 66 designation and six years of industry experience. He has been with Edward Jones since 2019. Outside of his advisory role, he manages and operates Blue Star Wine Country Tours, a wine tour company based in Sonoma, California, which he runs occasionally on weekends. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm manages over $1 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, all operating under a fiduciary standard.

James Calforda is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 36 years of industry experience. He has worked at LPL Financial since 2007 and was previously with Wells Fargo Investments from 2001 to 2007. 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, utilizing both proprietary and third-party investment strategies.

Mark Kinsella is a financial advisor at Merrill with Series 63 and Series 66 credentials and two years of industry experience. His prior roles include positions at Wells Fargo Bank, Wells Fargo Clearing, PNC Bank, and JPMorgan Chase. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.