Phillip Cordano is a CFP® professional with 25 years of industry experience, currently with OSAIC since 2025. He previously worked at Lincoln Financial Advisors Corp. for 24 years. Outside of advising, he offers health, long-term care, and traditional life insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, using asset-allocation tools and risk assessments to manage portfolios that include a range of investment types on both discretionary and non-discretionary bases.

Jackson Yates is a financial advisor with Morgan Stanley in Santa Rosa, CA, holding a Series 66 designation and five years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at JPMorgan Securities LLC and JPMorgan Chase Bank NA from 2021 to 2025. Outside of his advisory role, Yates is involved with Sweetwater Spectrum, serving on its finance committee. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using firm-approved tools and serves clients through both direct and employer-based agreements.

Deidre Mc Aloon is a financial advisor with Morgan Stanley in Santa Rosa, CA, holding Series 63 and Series 65 licenses and 14 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2011. 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, including tailored financial planning supported by structured discovery processes and advanced modeling tools.

Jeffrey James is a financial advisor at Merrill with 31 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Merrill since 1994, also working at Bank of America, N.A. since 2011. Outside of his advisory roles, he is vice president of the Sonoma-Marin Fair Board and serves on the advisory board of the Farm Bureau Foundation of Sonoma County. He is also the owner of Stony Point Vineyards. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional investors, offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm emphasizes a diverse set of investment strategies governed by its CIO and platform oversight, with integration alongside Bank of America affiliates to support comprehensive financial services.

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.

Sherif Abdel Hamid is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Bank of America, Merrill, Advisory Cloud, and Bank of West. Wells Fargo Advisors is a national securities firm that provides 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 and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party databases.

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.

John Ringgenberg is a CFP® and ChFC® with 33 years of industry experience. He is currently with Wells Fargo Clearing, where he has worked since 2020. Prior to that, he was employed at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association from 2012 to 2020. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Richard Ogg is a financial advisor at Cetera with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Avantax and Total Administrative Services Corporation in addition to his current role. Outside of advising, he teaches Social Security classes at Santa Rosa Junior College and serves as a board member and counselor at Santa Rosa Bible Church. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a multi-manager platform, providing advisors access to affiliated and third-party managers along with various program structures and investment strategies.

Matthew Lightner is a CFP® professional with over 21 years of experience in financial advising. He has been with Edward Jones since 2004. Outside of his advisory role, he owns a recreational vehicle rental business in Sonoma, California. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of investment and advisory solutions. The firm manages approximately $1.01 trillion in assets and supports a large network of financial advisors across the United States.

Shaan Raja is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds a Series 66 designation and previously worked at JP Morgan Securities LLC for seven years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Christopher Micco is a Brokerage Services Advisor II at Merrill Lynch Wealth Management. He specializes in client relationship building through customer service, strategic wealth planning, and professional investment management. Christopher has over 30 years of experience in the financial services industry. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from the University of California System. Christopher is a lifelong Bay Area resident and enjoys playing tennis, cooking, and traveling in his personal time.

Michael Galletti is a financial advisor at Wells Fargo Clearing with six years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo Bank, NA since 2011. His current role at Wells Fargo Clearing began in 2021. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, tailoring services to plan objectives and risk tolerances while acting as an ERISA fiduciary.

Blake Schmidt is a financial advisor at Morgan Stanley with nine years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2017 and was previously with Alpha Wealth Management and Rosso Pizzeria. Schmidt holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Rupa Jack is a financial advisor at Morgan Stanley with 38 years of industry experience. She holds the Series 63 and Series 65 designations and has been with Morgan Stanley Smith Barney since 2009, currently also serving at Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers tailored financial planning and a wide range of advisory programs, managing approximately $2.74 trillion in client assets.

Johanna Arrancha Bernal is a financial advisor at J.P. Morgan Securities with Series 63 and Series 65 credentials and two years of industry experience. She has worked at J.P. Morgan Securities since 2023 and previously held roles at JPMorgan Chase Bank, N.A., Westamerica Bancorporation, Pechanga Resort & Casino, and Golden Years Care Home. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm incorporates an ESG eligibility framework in its investment recommendations and offers non-discretionary services delivered by a select group of Wealth Advisors.

Nicholas Nicholson is a Wealth Management Advisor and founding member of The Nicholson Group at Merrill Lynch Wealth Management. He has been a financial advisor since 1993 and works with a collaborative team to support families with multigenerational wealth management, helping clients across generations understand and align their financial and life goals. Nicholas specializes in legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. He provides clients with probability analyses to help determine retirement feasibility and tailors personalized strategies focusing on asset allocation and risk tolerance. He serves as a primary contact for clients' complete financial needs, including lending services and investment guidance. Nicholas holds a Bachelor's Degree from Santa Clara University and holds multiple professional designations including CERTIFIED FINANCIAL PLANNER4 (CFP), Certified Investment Management Analyst4 (CIMA), Certified Private Wealth Advisor4 (CPWA), and Personal Investment Advisor (PIA). He mentors younger financial advisors, speaks Russian fluently, and resides in Windsor with his wife and three sons.

Drew Skraboly is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and previously worked at Bank of America, N.A. Outside of his advisory role, Skraboly owned and operated Level Up Scripts, a sole proprietorship involved in creating and selling digital assets online, and managed a TikTok account focused on video game content. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Gregory Cho is a financial advisor at Morgan Stanley with 24 years of industry experience. He has held positions at Morgan Stanley Private Bank, NA since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory work, Cho serves as secretary for Trusted Advisors Group, a professional networking organization, and is involved with Santa Rosa United 05B ECNL, a youth sports and education group. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutions, providing tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and delivers services through its Financial Advisors and Estate Planning Strategies Group.