Michael Lightner is a financial advisor with Edward Jones in Petaluma, CA, holding a Series 66 designation and 13 years of industry experience. He has been with Edward Jones since 2012. 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 through a large network of advisors and branch offices, offering a range of discretionary and non-discretionary investment strategies and affiliated financial services.

Elliot Sandvig is a CFP® and Series 66 licensed financial advisor at Edward Jones with six years at the firm and a total of five years in the industry. His prior experience includes roles at Medtronic and Ascent Services Group, as well as research work at the University of California, Davis (Bers Lab). 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, managing approximately $1.01 trillion in assets through a large network of advisors and branch offices.

Gonzalo Ochoa is a financial advisor at Wells Fargo Clearing with 23 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Wells Fargo in various capacities since 2001. His tenure includes roles at Wells Fargo Advisors LLC and Wells Fargo Clearing. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Duncan Kelm is a financial advisor with LPL Financial in Santa Rosa, CA, holding a Series 66 license and nine years of industry experience. Prior to joining LPL Financial in 2020, he worked at Morgan Stanley Private Bank and Booz Allen Hamilton. Outside of his advisory role, Kelm owns and operates Arrow Point Tax Services, providing tax preparation and accounting services, and generates online advertising revenue through educational content on tax planning. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services supported by research and strategic portfolio management.

David Devincenzi is a financial advisor with Charles Schwab who holds Series 63 and Series 65 licenses and has 28 years of industry experience. He has worked at Charles Schwab & Co., Inc. and Charles Schwab Bank since 2018 and previously held positions at AIG SunAmerica and its capital services division. Outside of advisory roles, he was involved with Riverfront Fitness Gym from 2016 to 2018. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and uses a multi-asset model portfolio approach supported by research and due diligence.

Kyle Tomik is a CFP® professional with 11 years of industry experience, currently affiliated with Wells Fargo Clearing. He has worked at Wells Fargo Advisors, LLC 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 provides both brokerage and advisory solutions.

Kim Murphy is a financial advisor at Edward Jones with 23 years of industry experience. She holds Series 63 and Series 66 designations and has been with Edward Jones since 2002. Outside of her advisory role, she has been involved in strategy design consulting and owns a billboard on her ranch property. 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.

Brett Howard is a financial advisor at LPL Financial with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Ameriprise and Wells Fargo in various advisory roles. LPL Financial serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by model portfolios and research from LPL Research and third-party subadvisors.

Jane Sa is a financial advisor with Fidelity Investments, holding a Series 66 designation and two years of industry experience. Her prior roles include positions at Chase Bank, Edward Jones, and Morgan Stanley. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, model portfolios, and fund advisory services.

Christopher Severson is a CFP®-designated financial advisor with 32 years of industry experience, currently with Edward Jones since 2020. His prior roles include positions at Wells Fargo Clearing and SoFi, as well as over a decade advising the Coquille Economic Development Company. Severson serves on the Investment Committee of the Coquille Indian Tribe, providing investment management advice, and is president of the board of the Sonoma Hometown Band. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies, alongside affiliated mutual funds and trust services, and operates under a fiduciary standard.

Joseph Klein is a financial advisor at Edward Jones with 14 years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at Leerink Swann LLC and Verdant Power Inc., where he serves as a director involved in board strategy calls related to renewable energy. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate entities. The firm manages approximately $1.01 trillion in assets through a wide network of financial advisors and offers a range of advisory solutions under a fiduciary standard.

Krista Neary is a Series 66 licensed financial advisor at Edward Jones with 10 years of industry experience. She has been with Edward Jones since 2016, based in Cotati, CA. 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 strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

William Sa is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Wells Fargo Clearing and CITIGROUP. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering IPS-driven investment advice and discretionary services that include investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory approach incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Biscain Mora is a financial advisor with Charles Schwab in Santa Rosa, CA, holding a Series 66 designation and three years of industry experience. Prior to Schwab, Biscain worked at Patelco Credit Union, Bank of the West, and Santa Rosa Junior College. Outside of financial services, Biscain has experience in the food service industry, having worked at Round Table Pizza. Charles Schwab serves a large client base primarily composed 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 advisory services and access to discretionary separately managed accounts, supported by multi-asset model portfolios and comprehensive due diligence on alternative investments.

Marc Vera is a financial advisor at Charles Schwab with 20 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Charles Schwab and Charles Schwab Bank since 2012. Outside of his advisory role, he is involved in the ownership and maintenance of a rental property in Santa Rosa, California. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts, offering multi-asset model portfolios and a centralized operational structure.

Erick Brown is a CFP® with 13 years of industry experience, currently serving as a Wealth Advisor at J.P. Morgan Securities LLC since 2016. Prior to this, he spent a year at Wells Fargo Advisors, LLC. Outside of his advisory role, he is the owner and partner of a pool installation and service business in Santa Rosa, California. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Danielle Shubin is a financial advisor with Raymond James & Associates and holds a Series 66 designation. She has six years of industry experience, including roles at Buff and Nelsaon and Associates. She is based in Santa Rosa, California. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, with a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Nicholas Schweigert is a financial advisor at Merrill with seven years of industry experience and holds a Series 66 designation. He has worked at Bank of America and Merrill since 2013. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Newara Fatima is a financial advisor with Wells Fargo Clearing in Santa Rosa, CA, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. She has been with Wells Fargo Clearing Services LLC since 2018 and with Wells Fargo Bank NA since 2015. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets with more than 14,000 financial advisors and offers both brokerage and advisory solutions.

William Ospina Torres is a financial advisor with LPL Financial, holding a Series 66 designation and currently based in Rohnert Park, CA. He has one year of industry experience with a work history that includes roles at BMO Harris Bank, Asset Retention Insurance Services, Inc., and SchoolsFirst Federal Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing model portfolios and research from various sources.