Stephanie Smith is a financial advisor at Morgan Stanley with 20 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process utilizes structured discovery conversations and firm-approved tools, incorporating various modeling techniques without providing individual security recommendations as part of standalone plans.

Talyn Mitchell is a financial advisor at J.P. Morgan Securities in San Rafael, CA, holding a Series 66 designation with one year of industry experience. Prior to joining J.P. Morgan Securities, Mitchell worked at Equitable Financial Life Insurance and Equitable Advisors, LLC. Outside of finance, Mitchell has experience associated with Saint Mary’s College of California and its recreation department. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process integrates quantitative and qualitative research and includes capabilities in derivatives and commodities through affiliated entities.

Alexandria Reilly is a Series 66-credentialed financial advisor with Edward Jones in Sonoma, CA. She has been with Edward Jones since 2025 and has no prior industry experience. Outside of her advisory role, she has been involved with the KHR McNeely Family Foundation. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates through a large network of financial advisors and branch offices nationwide.

Jon Niebling is a financial advisor with Morgan Stanley in Napa, California, holding a Series 63 designation and bringing 46 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and affiliated with Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory work, he has authored a fiction e-book under the pen name Jon Gregory and serves as Communications Director for a dive-related charity in Napa. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and modeling techniques.

John Heflebower is a financial advisor with Merrill in Napa, CA, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked with Merrill since 1989 and Bank of America since 2010. Outside of advising, he occasionally consults for the wine industry and is involved as a limited partner in LLCs related to movie production. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and institutions.

Thomas Mullen is a financial advisor with Morgan Stanley in San Rafael, CA, holding Series 63 and Series 65 licenses and 44 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support its financial planning services.

Michael Welch is a financial advisor with Morgan Stanley in San Rafael, CA, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Merrill, as well as Bank of America. Morgan Stanley Wealth Management serves individuals and institutional clients with a broad 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.

Brett Goldstein is a financial advisor at Raymond James & Associates with 22 years of industry experience. He holds Series 65 and Series 63 licenses and previously worked for 13 years at Interactive Brokers Corp. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, pension and profit-sharing plans, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a broad network of advisers and affiliated portfolio managers.

Vanessa Jennings is a CFP® professional with 31 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2016. She holds the Series 63 and Series 66 licenses and is based in San Rafael, CA. 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 including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Matthew Ricketts is a financial advisor at Morgan Stanley with 28 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 2020, following 12 years at UBS Financial Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a wide range of advisory programs and structured financial planning, managing approximately $2.74 trillion in client assets.

Tiffany Walls is a financial advisor with UBS Financial Services in Napa, CA, holding a Series 66 designation and bringing 16 years of industry experience. She has been with UBS since 2011. Outside of her advisory role, she operates a personal business providing notarization services. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-driven, tailored investment strategies.

Jorge Rey Prada is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and previously worked at LPL Financial for four years before joining Morgan Stanley in 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets.

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.

Rosemarie Halajian is a Vice President and Financial Consultant at Fidelity Investments. She joined the firm in 2019 as a Financial Consultant and was promoted to Vice President in 2024. In her role, she works with clients to help them pursue their financial goals. Rosemarie holds a California Insurance License, which supports her work in providing comprehensive financial advice. She has experience in financial consulting developed over several years at Fidelity Investments. Outside of her professional work, Rosemarie has interests in art, comedy, hiking, softball, theater, and writing.

Timothy Warren is a financial advisor at Raymond James Financial with 18 years of industry experience. He holds a Series 66 designation and previously worked at Cetera and Umpqua Bank among other firms. Outside of his advisory work, he is involved in a small-scale rental real estate activity. 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 offers tailored, non-discretionary advice supported by analytical modeling and maintains specialized services such as municipal advisory and SIMPLE IRA Employer Advisory programs.

Timothy Russell is a financial advisor with LPL Financial who holds a Series 66 designation and has 40 years of industry experience. He has been with LPL Financial since 2002. Outside of his advisory work, he is involved in selling non-variable insurance products, including life, disability, and long-term care insurance, through his business Valley Oak Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides comprehensive financial planning and investment management services through a large network of advisors, offering a variety of model portfolios and third-party asset management options.

Kevin Mazariegos Tecun is a financial advisor with Fidelity, holding Series 63 and Series 66 licenses and seven years of industry experience. He has worked at Fidelity Brokerage Services and Fidelity Investments since 2018 and 2025, respectively, with prior experience at PricewaterhouseCoopers and the Marin YMCA. Outside of his advisory role, he is an owner involved in real estate investing through two separate entities. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a diverse range of investment products, including multi-manager and fund-of-funds structures.

Joseph Klein is a financial advisor at Edward Jones in Sonoma, CA, with 14 years of industry experience. His prior roles include positions at Verdant Power Inc., where he served as a director involved in strategic board activities, and Leerink Swann LLC. Klein holds Series 63 and Series 66 licenses. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, as well as affiliated mutual funds and tax-efficient services.

Thupten Namgyal is a financial advisor at OSAIC with 17 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked for Woodbury Financial Services, Inc. for 10 years. Namgyal is based in Novato, California. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers a range of brokerage and advisory services with an emphasis on model-based asset allocation, portfolio optimization, and a variety of managed account programs.

John Upcher is a financial advisor at Fidelity with one year of industry experience. He holds the Series 66 designation and has prior work experience at Lucid Motors and Cartelligent. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, as well as registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios that may delegate management to affiliated or unaffiliated sub-advisers while maintaining oversight controls.