Denise Cary is a financial advisor with Morgan Stanley in Napa, CA, holding Series 63 and Series 66 licenses and 28 years of industry experience. She previously worked at Wells Fargo Clearing from 2016 to 2021 before joining Morgan Stanley Smith Barney LLC in 2021. Outside of finance, she owns and manages Fazerrati's Pizza Restaurant in Napa. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning focused on structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct client services and corporate financial planning agreements.

Kathryn Fitzgerald is a CFP® with 36 years of industry experience, currently serving at Mass Mutual Investors Services since 2017. She previously worked at METLIFE Securities from 2014 to 2017 and has been affiliated with MassMutual Life Insurance Company since 2016. In addition to her advisory role, she is an independent insurance agent with Silverleaf Financial Management and Insurance Services. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, detailed financial planning using advanced analytical tools and offers a range of programs including educational seminars and event-driven planning services.

Stewart Viets is a Certified Financial Planner® with 46 years of industry experience. He currently serves with OSAIC and previously worked at Lincoln Financial Advisors Corporation for 27 years. Outside of his financial career, he performs as a jazz saxophonist. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform that offers brokerage and advisory services. The firm employs a model-based investment process emphasizing asset allocation and portfolio optimization, supported by tools such as risk-tolerance questionnaires and rebalancing strategies.

Cynthia Voth is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in the Napa office since 2003. She holds the Certified Investment Management Analyst® (CIMA®) designation along with credentials as a Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Cynthia advises individual clients, families, and business owners, providing customized investment strategies focused on retirement planning, wealth transfer, asset preservation, and employee benefit options including 401(k) and deferred compensation plans. Cynthia earned her bachelor's degree from Pacific Union College and is fluent in both English and Spanish. She brings extensive experience from her earlier career in San Francisco’s financial services industry and applies this knowledge to help clients achieve their short- and long-term financial goals. In addition to her professional work, Cynthia volunteers in her local community as a member of Soroptimist International of St. Helena Sunrise. She lives in St. Helena with her family and enjoys outdoor activities such as hiking and camping.

Michele De George is a financial advisor with LPL Financial, holding a Series 66 designation and 26 years of industry experience. She has worked at firms including Ameriprise Financial Services, Wells Fargo, and U.S. Bancorp Investments. Outside of her advisory work, she is involved with Crossroads Christian Church in Vacaville, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Jardee Worcester is a financial advisor with Ameriprise in Vacaville, CA, holding a Series 66 designation and seven years of industry experience. Prior to joining Ameriprise, he spent 20 years at Janssen Supply Chain / ALZA Corporation. Outside of his advisory role, he teaches knitting, crochet, and sewing classes and provides long arm quilting services. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning and tax-aware withdrawal strategies.

Jean Chai is a financial advisor with Ameriprise in Vacaville, CA, holding a Series 63 designation and 35 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he is a co-owner of Nut Tree Properties, LLC, a real estate business. Ameriprise is a large institutional firm offering retirement-income planning services primarily for clients with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored retirement income recommendations delivered through a centralized consulting team.

Ross Monten is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020, following four years at Edward Jones. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, including tailored financial planning services supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning solutions.

Eric Gonzales is the Senior Resident Director of the Merrill Napa Office and a Personal Investment Advisor. In his current role, he leads a team of over a dozen advisors, assisting them in their professional development and business pursuits. He is also the founder of the Gonzales Group, which provides wealth management services focused on satisfying clients' priorities beyond investment management, primarily serving hardworking client families in Napa, Sonoma, and Solano counties. His areas of expertise include college education planning, family wealth management strategies, legacy planning, liquidity management, philanthropic planning, personal retirement planning, and portfolio management services, with an emphasis on socially responsible, values-based, and ESG investing. Eric serves active and retired wine industry executives, business owners, and multigenerational families, offering comprehensive strategies including access to residential, securities-based, and commercial lending. Eric holds a Bachelor's Degree from the University of California. He is actively involved in his community, serving as a board member for Community Action of Napa Valley and the MCA Board at Nelda Mundy Elementary. He is the creator and sponsor of the Diversity & Inclusion Scholarship Program at Justin-Siena High School and has held several previous roles with the school, including membership on its Foundation Board and Parents Association Executive Board.

Joseph Corsino is a financial advisor with Edward Jones in Napa, CA, holding a Series 66 designation and seven years of industry experience. His prior work includes positions at Residential Bancorp and Primary Residential Mortgage Inc before joining Edward Jones in 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of advisors and branch offices.

Mark Cordeiro is a financial advisor with Morgan Stanley in Napa, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Cordeiro serves on the boards of Napa Valley College Foundation, Napa Valley College, and the Boys & Girls Club of Petaluma. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in assets. The firm employs a structured planning process supported by proprietary tools and offers its services both directly and through corporate agreements.

Kenneth Rode is a financial advisor at LPL Financial with experience beginning in 2025. He has been associated with G&J Seiberlich & Company LLP since 2009. 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 offers financial planning, model portfolio programs, third-party asset management, participant-level retirement advice, and institutional platforms, with a broad range of advisory and brokerage services delivered through a large network of investment adviser representatives.

Zachary Taylor is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at Morgan Stanley and Merrill. Outside of his advisory role, he is involved in property management as a sole proprietor in Florida. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs structured planning processes supported by firm-approved tools and manages approximately $2.74 trillion in client assets.

Fatima Sosa Ortiz is a Financial Advisor at Merrill Lynch Wealth Management in Napa Valley. She assists individuals and families in making informed financial decisions and developing strategies that support their long-term goals. Fatima focuses on personal retirement planning, managing new wealth, and empowering women in financial decision-making. Before joining Merrill in 2022, she worked with business owners at JPMorgan Chase in St. Helena, which helped her build strong client relationships and guide people through various financial opportunities and challenges. Fatima holds a Bachelor's Degree from Pacific Union College and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She communicates fluently in English and Spanish. Fatima is involved in several professional and community organizations such as Girls on the Run, Leadership Napa Valley, the Napa County Hispanic Chamber of Commerce, Soroptimist International of St. Helena Sunrise, and The Order Sons and Daughters of Italy in America Napa Lodge #2043. Outside of her professional role, she enjoys cooking, hiking, music, painting, reading, running, skiing, traveling, writing, and spending time with family.

Michael Gradl is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 33 years of industry experience. His career includes roles at Travis Credit Union since 2018, as well as prior experience with Cuso Financial Services and IFMG Securities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management services through a large network of advisors and employs various investment strategies supported by research and technology tools.

Edgar Guevara is a financial advisor at LPL Financial with one year of industry experience. He previously worked at Bank of Stockton and Bbva Compass. Additionally, Edgar holds a notary commission. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, and institutions through a large network of investment adviser representatives.

Matthew Hefner is a financial advisor at Osaic with 16 years of industry experience. He holds a Series 66 designation and has previously worked at Securities America Advisors, Inc. and Mass Mutual Investors Services. Outside of his advisory role, he is involved in insurance sales and services through PRJ Insurance & Wealth Management. Osaic Wealth serves a broad range of retail and institutional clients, providing brokerage and advisory services across multiple programs including financial planning, advisor-managed portfolios, and retirement consulting. The firm uses a model-based investment approach supported by portfolio optimization and risk assessment tools.

Marisa Goldstein is a financial advisor with Morgan Stanley, holding a Series 66 designation and bringing 20 years of industry experience. She has been with Morgan Stanley since 2013 and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, providing comprehensive financial planning and investment advisory services. The firm employs structured planning tools and a broad range of advisory programs, managing approximately $2.74 trillion in client assets.

Brenda Donohue is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 credentials and 16 years of industry experience. Her prior work history includes positions at Morgan Stanley and The Vanguard Group, Inc. She is currently based in Napa, CA. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to a diverse client base, including retail and institutional investors, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and deliver model strategies.

Teresa Updegraff is a financial advisor at OSAIC with a Series 65 designation and four years of industry experience. She previously worked at Sonoma Wealth Advisors and has held leadership roles at FlashPoint Leadership and Sonoma Leadership Systems. OSAIC serves a diverse client base, including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm uses a model-based investment approach with asset allocation and portfolio optimization tools, supporting both discretionary and advisor-managed strategies.