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.

Julie Lynch is a financial advisor with LPL Financial in Santa Rosa, CA, holding Series 63 and Series 66 designations and having 14 years of industry experience. She previously worked at CUSO Financial Services and has been associated with Redwood Credit Union since 2014. Outside of her advisory role, she is an owner and landlord of a rental property in Ukiah, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers financial planning, various advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management with access to model portfolios, research, and multiple investment strategies.

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.

Culley Casey is a financial advisor with Morgan Stanley in Santa Rosa, CA, holding a Series 63 designation and 36 years of industry experience. He has been with Morgan Stanley since 2009, including time at Morgan Stanley Private Bank, National Association. Outside of his advisory work, he is an officer of Ole International Foods, a restaurant and bar business in Boise, Idaho. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, offering financial planning services supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers both direct individual plans and corporate financial planning 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.

Michael Moberly is a CFP®-designated financial advisor at Morgan Stanley with 26 years of industry experience. He has been with Morgan Stanley since 2017, previously working at Wells Fargo Advisors and Wells Fargo Clearing. Outside of his financial career, he works as a soccer referee on a part-time basis. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Yahaira Martinez Sanchez is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. Her work history includes roles at Morgan Stanley Smith Barney LLC since 2021, as well as positions at AppleOne, Korbel Champagne Cellars, and several educational institutions. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services directly to individuals and through corporate agreements.

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.

Craig Franklin is a financial advisor with Morgan Stanley in Santa Rosa, CA, holding Series 63 and Series 65 licenses and having 32 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides both direct individual plans and Corporate Financial Planning services.

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.

Brenda Ell is a financial advisor at Morgan Stanley in Santa Rosa, California, holding a Series 66 designation with 13 years of industry experience. She has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2013 and 2015, respectively. In addition to her advisory role, she serves as a trustee and co-trustee in trust activities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market modeling techniques in its financial planning process.

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.