Matthew Walls is a CFP® professional with six years of industry experience, currently serving as a financial advisor at Edward Jones since 2020. Prior to joining Edward Jones, he worked for five years at Cintas Corporation. Outside of his advisory role, he owns a rental property in Nevada that is managed by a third-party management company. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a broad range of investment strategies and affiliated services, supported by a large network of financial advisors and branch offices nationwide.

Karin Alvarado is a financial advisor at OSAIC with 26 years of industry experience. She previously worked at Woodbury Financial Services for 14 years before joining OSAIC in 2024. Alvarado holds Series 63 and Series 65 licenses and is involved in several business ventures including serving as partner and CEO of New Aspect Capital Strategies, LLC, which focuses on protective put strategies. OSAIC serves a broad range of retail and institutional clients through a large network of advisers and platforms. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and risk-tolerance assessments to construct diversified portfolios that include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Champhang Wolfard is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Morgan Stanley Smith Barney since 1998. Morgan Stanley Wealth Management offers advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, focusing on advisory services without individual security recommendations as part of standalone plans.

William Hjerpe is a financial advisor with Ameriprise in Napa, CA, holding a Series 63 designation and 38 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved in commercial real estate ownership. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, providing detailed recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

Fadi Azhari is a financial advisor at Edward Jones in Santa Rosa, CA, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones, he held roles at InflexAI, LLC, CelerData, PingCAP, Inc., and several other technology firms. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory programs and investment solutions. The firm is notable for its extensive national advisor and branch network, as well as its affiliated capabilities including a trust company, mutual funds, and securities-based lending.

Ashlee Whittemore is a financial advisor at Morgan Stanley in Napa, CA, holding a Series 66 designation with three years of industry experience. Her prior work includes roles at Mango Publishing and positions in education at Cornell University and Justin-Siena High School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Matthew Davis is a financial advisor with Morgan Stanley in Santa Rosa, California, holding a Series 66 designation and 21 years of industry experience. His prior roles include positions at Bank of America, Merrill, and Morgan Stanley Private Bank. Outside of his advisory work, he serves as a board member of the Santa Rosa Memorial Hospital Foundation and participates on the finance committee of the Bennett Valley Community Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and methodologies supported by its Global Investment Committee.

Michael Burchardt is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 26 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent five years with Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Matthew Crooks is a financial advisor at Edward Jones with seven years of industry experience. He holds the Series 66 designation and has worked at Edward Jones since 2018. Prior to joining Edward Jones, he was employed at Barnett Waddingham LLP from 2014 to 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices across the country.

Courtney Guerci is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. She has been with Wells Fargo Clearing and Wells Fargo Bank, N.A. since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and employs more than 14,000 financial advisors, offering a range of brokerage and advisory solutions.

Matthew James is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has worked at Merrill since 2022 and Bank of America, N.A. since 2023. Prior to his financial industry roles, he has experience with University Corporation and at Blue C Sushi, as well as an academic background at San Francisco State University. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jefferson Buller is a financial advisor with Merrill in Santa Rosa, CA, holding Series 63 and Series 66 licenses and two years of industry experience. He has been with Merrill since 2001. Outside of his advisory role, he is the sole owner of a short-term vacation rental business in Hawaii. 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.

Justin Katz is a financial advisor with LPL Financial in Napa, CA, holding a Series 66 designation and eight years of industry experience. Prior to joining LPL Financial in 2023, he worked at Wells Fargo Clearing from 2017 to 2023 and was employed at CreativeLive, Inc. from 2015 to 2017. Outside of finance, Katz owns and operates a photography business based in Portland, OR. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset management, supporting a large network of investment adviser representatives.

Arnoldo Santiago is a financial advisor at UBS Financial Services with 28 years of industry experience. His career includes positions at Bank of America, Merrill, and Citigroup Global Markets. Santiago holds Series 63 and Series 65 credentials and is based in Napa, California. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management, utilizing proprietary research and model-based asset allocations to tailor client plans.

John Whittemore is a financial advisor at Morgan Stanley with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021. Prior to that, he was with Wells Fargo Clearing and Wells Fargo Advisors LLC from 2009 to 2021. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by advanced modeling tools.

Richard Butler is a financial advisor at Edward Jones in Santa Rosa, CA, holding a Series 66 designation. He joined Edward Jones in 2026 and has prior experience in hospitality and corporate service roles. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large network of financial advisors and branch offices nationwide.

John Im is a financial advisor at Wells Fargo Clearing with 23 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Travis Credit Union, LPL Financial LLC, and U.S. Bancorp Investments, Inc. He is based in Santa Rosa, CA. 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 uses research and analytics to support its investment approach.

Thomas Meyer is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 15 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with WELLS FARGO Advisors from 2012 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment management. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Maria Lourdes Echaide is a financial advisor at Morgan Stanley with seven years of industry experience. She has been with Morgan Stanley since 2017 and worked previously at Wells Fargo Bank for one year. She holds the Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Andrew Laddaran is a financial advisor with J.P. Morgan Securities and holds a Series 66 credential. He has four years of industry experience with prior roles at New York Life and NYLIFE Securities LLC. Outside of finance, he has been involved in the restaurant industry for over ten years, including ownership and management roles. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.