Chadwick Clarke is a financial advisor at OSAIC with eight years of industry experience and holds a Series 66 designation. He previously worked at Woodbury Financial Services, Alvarado Financial Services, and Larkspur Financial Advisors. Outside of his advisory role, Clarke is President and CEO of Clarke Financial Consulting, a company focused on corporate group benefits including health, life, and disability policies. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by various tools and discretionary management options.

Tom Dowse is a Series 66-licensed financial advisor with Morgan Stanley in Napa, California, and has 26 years of industry experience. He has been with Morgan Stanley and its private bank since 2014 and serves as President and CEO of Dowse Securities Management Corporation. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a range of investment programs.

Tracy Schmuhl is a financial advisor with Charles Schwab in Napa, CA, holding a CFP® designation and Series 63, 65, and 66 licenses. She has 11 years of industry experience, including roles at Charles Schwab Bank SSB, Charles Schwab & Co., Inc., and Banc of America Investment Services, Inc. Outside of her advisory work, she provides notary services. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management alongside brokerage and custody services.

Glenn Smith is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Charles Schwab since 2007 and worked at Charles Schwab Investment Advisory, Inc. from 2020 to 2021. 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 offers a combination of non-discretionary and discretionary investment options, supported by multi-asset model portfolios and a centralized operational structure.

Michael Dolan is a financial advisor with Charles Schwab, holding Series 63 and Series 65 credentials and over 26 years of industry experience. He has worked at Lloyds of London and John Hancock as a principal since 2015 and has been affiliated with Charles Schwab & Co., Inc. since 2012. Dolan receives residuals from insurance policies sold prior to his time at Schwab. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services, offering a combination of non-discretionary and discretionary investment solutions supported by comprehensive research and integrated operational infrastructure.

Pamela Thompson is a CFP®-designated financial advisor with UBS Financial Services in Sacramento, CA, where she has worked since 2001. She has 28 years of industry experience. Outside of her financial advisory role, she and her husband perform music in wine tasting rooms, including Mangels Vineyards and Back Road Vines. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor plans that align with clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, providing a broad range of financial solutions.

Alexander Heckmann is a financial advisor at Stifel with four years of industry experience and holds a Series 66 designation. He has worked at Stifel since 2019, with a brief period of employment outside the financial industry including roles at Fisherman's Market and University of Oregon. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services that incorporate proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Nora Clifford is a Financial Consultant at Fidelity Investments, a position she has held since 2025. Prior to this role, she served as a Planning Consultant at Fidelity Investments from 2022 to 2025. She has experience in retirement services, having worked as a Retirement Services Specialist at ForUsAll from 2021 to 2022. Earlier in her career, she was a Financial Advisor at AXA Equitable (Stonebridge Financial Group) from 2019 to 2021 and a Certified Divorce Financial Analyst at Wellspring Divorce Advisors from 2015 to 2019. Throughout her career, Nora has focused on providing thoughtful guidance and developing holistic financial strategies. Her approach emphasizes listening to clients to understand their priorities, whether they are growing their wealth or preparing for retirement. She holds a California Insurance License.

Leah Ponce De Leon is a financial advisor with LPL Financial, holding Series 65 and Series 63 licenses and four years of industry experience. Prior to joining LPL Financial in 2024, she worked at CUSO Financial Services from 2017 to 2024 and has been associated with Redwood Credit Union since 2017. 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 range of financial planning and investment management services through a large network of advisors, utilizing both proprietary and third-party strategies.

Mohammed Bunyad is a financial advisor with J.P. Morgan Securities based in Novato, CA. He holds a Series 66 designation and has 21 years of industry experience. His prior work includes positions at Bank of the West, Wells Fargo Clearing, and Banc of America Investment Services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Jeff Roman is a financial advisor at Charles Schwab with a Series 66 credential and experience spanning roles at Northwestern Mutual and HA Financing. He has been with Charles Schwab and its affiliated bank since 2025. Outside of his advisory work, Roman serves on the boards of the Napa County Hispanic Network and Moose International Lodge 516, contributing to scholarship fundraising and lodge maintenance, respectively. Charles Schwab & Co., Inc. serves a large client base primarily consisting 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 both non-discretionary and discretionary investment guidance supported by multi-asset model portfolios, centralized supervisory structures, and a formal alternative investment process.

Monique Moreno is a financial advisor at Merrill with 15 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch Pierce, Fenner & Smith, Inc. since 2007. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers a range of model-based and discretionary investment strategies tailored for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Oscar Robles is a Resident Director with Merrill Lynch Wealth Management, leading the Santa Rosa complex that manages more than $3 billion in client assets across Northern California. Alongside his leadership role, he advises clients directly through his wealth management practice, Lee Robles Associates, focusing on the needs of families, business owners, executives, and entrepreneurs. With over 15 years of experience in the financial industry, Oscar specializes in helping business owners, entrepreneurs, and self-made wealth creators navigate the complexities of financial success. His advisory process begins by understanding each client's values and goals. He coordinates strategies involving investment management, cash flow planning, lending, tax-aware investing, estate planning, and multigenerational wealth transfer. His areas of focus include college education planning, employee benefits planning, family wealth management strategies, legacy planning, personal retirement planning, tax minimization, and retirement income. Oscar holds a bachelor's degree from San Francisco State University and holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is bilingual in English and Spanish. Committed to community service, he is a founding member of Bank of America's Hispanic Latino Business Council for the San Francisco region and serves on the board of Community Health Initiative, a nonprofit that provides healthcare access to underserved families across California. Oscar resides in Napa Valley with his wife and three children.

Kerry Romstad is a financial advisor with Charles Schwab in Napa, California, holding Series 63, 65, and 66 licenses and 22 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2012. Charles Schwab & Co., Inc. serves a large client base primarily consisting 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment selection process.

Christopher Irvin is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. His career includes 12 years at Western International Securities, Inc. and extensive self-employment since 1989. He also teaches international business in an MBA program at Sonoma State University. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management solutions supported by technology tools and manages over $819 billion in discretionary assets.

Michael Hoff is Vice President and Financial Consultant at Fidelity Investments. He has been with Fidelity since 2000, progressing through several roles including Financial Consultant and Account Executive before his current position since 2011. With 25 years of experience in the financial industry, Michael has worked extensively with clients to develop personalized financial plans and strategies that target their specific needs and goals. His long-term relationships with clients enable him to support them through various stages of their financial lives. Having navigated multiple market cycles, he brings a unique perspective to financial planning. Michael holds a California Insurance License and began his career as an agent with Massachusetts Mutual from 1999 to 2000.

Matthew Foster is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 19 years of industry experience. His career includes roles at Bank of America, Merrill Lynch Pierce Fenner & Smith, Chase Investment Services, and Citigroup Global Markets. He is based in Petaluma, California. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and may incorporate ESG criteria.

Jamie Olhiser is a financial advisor with UBS Financial Services, holding a Series 66 designation and three years of industry experience. He has worked at UBS since 2021 and is also associated with Evolve. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, employing proprietary capital market assumptions and model-based asset allocations to tailor plans to clients' goals. The firm combines institutional trading capabilities with wealth management services and provides custody, underwriting, and capital markets solutions.

Kevin Tarrant is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley Private Bank, N.A. since 2015 and MORGAN STANLEY SMITH BARNEY LLC since 2013. 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 that utilizes structured discovery conversations and firm-approved planning tools.

Danian Peo is a financial advisor with Ameriprise in San Francisco, CA, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its affiliates since 2005. Outside of his advisory role, Peo serves as Treasurer and a board member of Foodwise, a nonprofit organization. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets, combining research-driven modeling and tax-efficient strategies to generate personalized, non-discretionary recommendations. The firm also offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.