Toni Sprouse is a financial advisor at Morgan Stanley in Santa Rosa, CA, holding a Series 66 designation with 14 years of industry experience. She has worked at Morgan Stanley and its Private Bank division since 2014 and 2015, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutions. The firm provides tailored financial planning supported by firm-approved tools and serves clients both directly and through corporate agreements.

Fiona Domergue is a financial advisor at Morgan Stanley in Santa Rosa, CA, holding a Series 66 designation with one year of industry experience. Her prior work includes positions at Sonoma State University, McNears Saloon and Dining House, and Santa Rosa Junior College. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual 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 a centralized investment committee to support its advisory process.

Joanne Leach is a financial advisor with Wells Fargo Clearing in Santa Rosa, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. She has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. 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 a research-driven approach and a mix of discretionary and non-discretionary services for retirement plans.

Oaeza Pathan is a financial advisor with Wells Fargo Clearing in Santa Rosa, CA, holding Series 63 and Series 66 designations and five years of industry experience. Pathan has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Wells Fargo Advisors is a national securities firm providing 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 through a network of over 14,000 advisors and offers both brokerage and advisory solutions.

Alvaro Pulido is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously held roles at Wells Fargo Advisors LLC and Wells Fargo Bank NA. 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 offers both brokerage and advisory solutions, utilizing research and analytics grounded in diversification and modern portfolio theory.

Diana Van Winden is a CFP® professional with 32 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors from 2013 to 2016. Outside of her advisory role, she has an 18% ownership interest in a vineyard and winery lease in Napa, California. 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 combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party analytics.

Jason Black is a Series 66-licensed financial advisor with Edward Jones in Santa Rosa, CA, with 16 years of industry experience. He has been with Edward Jones since 2009. 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 wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Beth Wyatt is a Certified Financial Planner (CFP®) with 39 years of experience in the financial services industry. She has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Wyatt is based in Santa Rosa, California. 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 financial planning services that utilize firm-approved tools and methodologies, managing approximately $2.74 trillion in client assets.

John Demarest is a financial advisor at Raymond James & Associates with 28 years of industry experience. He holds Series 63 and Series 65 designations and previously worked for Morgan Stanley Smith Barney LLC for nine years. Raymond James & Associates is a large, dually registered 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 institutional fiduciary solutions supported by a broad range of portfolio management styles and affiliated research.

Ernest Dunlap is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015, as well as Morgan Stanley Smith Barney LLC since 2011. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs a structured planning process supported by firm-approved tools and manages approximately $2.74 trillion in client assets.

Judith Enochs is a financial advisor with Stifel in Santa Rosa, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has been with Stifel Nicolaus & Co Inc since 2014. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies developed by its Investment Strategy Group.

Matthew Veal is a CFP® professional with 26 years of industry experience, currently serving at Morgan Stanley in Santa Rosa, CA. He has been with Morgan Stanley Private Bank since 2015 and was previously affiliated with Morgan Stanley Smith Barney starting in 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individual and institutional clients, including customized financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and market analysis.

Erin Ray is a financial advisor at Morgan Stanley with 31 years of industry experience. She holds the Series 63 and Series 65 credentials and has worked at Morgan Stanley Smith Barney since 2021, following a 12-year tenure at Merrill. Outside of her advisory role, she is a silent partner in Brian Ray and Associates, a construction and engineering firm based in Santa Rosa, California. Morgan Stanley Wealth Management delivers a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm emphasizes a structured planning process supported by proprietary tools and offers both direct individual plans and corporate financial planning agreements.

Jessica Kozlowski is a financial advisor at Edward Jones in Santa Rosa, CA, holding a Series 66 designation with seven years of industry experience. She has worked at Edward Jones since 2011 and has held concurrent roles at companies including Lyft and Uber. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, managed solutions, and affiliated investment products. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of over 23,700 financial advisors.

Tyler Hunter is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and two years of industry experience. He has been with Wells Fargo Clearing since 2021 and previously worked in various roles including at Sonoma State University and Home Depot. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages roughly $671 billion in assets and provides both brokerage and advisory solutions, relying on research and analytics to support investment decisions.

Valerie Kendrick is a financial advisor at OSAIC with 39 years of industry experience. She holds a Series 63 designation and has worked at OSAIC since 2018, following two years at Signator Investors, Inc. In addition to her advisory career, she is a general partner at Kendrick & Associates, a tax preparation and planning partnership she has been involved with since 1981. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs various portfolio construction tools including asset-allocation models, risk-tolerance assessments, and automated rebalancing.

Erika Lockwood is a CFP®-designated financial advisor with Edward Jones, based in Santa Rosa, CA, and has 16 years of industry experience. She has been with Edward Jones since 1999. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary managed solutions, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates with a nationwide network of more than 23,700 financial advisors.

Michael Bagley is a CFP® professional with 38 years of industry experience, currently working at LPL Financial since 2012. His background includes affiliated activities related to investment and non-variable insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a wide range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management approaches supported by research and model portfolios.

Ghassan Howell is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing and its related entities since 2011, with brief tenures at Merrill and Bank of America N.A. prior to his current role. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process 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.

Michael Avery is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds a Series 66 designation and has previously worked at Merrill and Barrel Brothers Brewing Company. His background also includes roles at Exchange Bank and Sonoma State University. 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 incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs.