David Hakobian is a financial advisor with Ameriprise in Davis, CA, holding a Series 66 designation. He has been with Ameriprise since 2020 and has prior experience at Alta California Regional Center, UCD Extension Financial Services, and UC Davis. Ameriprise offers retirement-income planning services primarily for clients with substantial investable assets, utilizing a combination of research, modeling, and tax-efficiency analysis to provide non-discretionary recommendations. The firm also provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Kelly O'Toole is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds Series 66 and Series 63 licenses and previously worked for Wells Fargo Clearing and Wells Fargo Advisors. O'Toole is based in Napa, California. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using firm-approved tools and modeling techniques, serving clients primarily in an advisory capacity.

Fredy Tanchez is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His work history includes roles at Flynn Restaurant Group LLC and Westamerica Bank prior to joining Merrill. 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. The firm offers model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Stephen Schug is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career in financial services in 2019 and focuses on helping families, small businesses, and executives achieve their financial goals through a comprehensive goals-based wealth management approach. Stephen holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned his Bachelor's Degree from the University of California System. His expertise centers on retirement planning and benefits strategies, particularly for businesses and self-employed professionals. Stephen and his team work closely with clients to optimize plan design, evaluate administration costs, and improve retirement outcomes. They also assist with areas such as divorce transition planning, employee benefits planning, executive compensation, liquidity management, and tax minimization. In addition to his professional work, Stephen is involved with the Sonoma Valley Mentoring Alliance. Outside of work, his personal interests include cooking, fishing, golfing, and skiing.

Roberto Villalpando is a financial advisor with LPL Financial in Vacaville, CA, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Travis Credit Union, Cellular Sales, Luxottica - Oakley, and Adidas. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Denise Cary is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds Series 63 and Series 66 designations and has worked previously at Wells Fargo Advisors LLC and Wells Fargo Clearing. In addition to her advisory career, she owns and manages Fazerrati's Pizza Restaurant in Napa, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs supported by firm‑approved tools and a range of investment services.

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 CFP®-credentialed financial advisor with 46 years of industry experience. He has been with OSAIC since 2025 and previously worked at Lincoln Financial Advisors Corporation for 27 years. Outside of his advisory work, he is also a jazz saxophone musician. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage, advisory services, financial planning, and access to multiple investment platforms. The firm employs asset-allocation tools and third-party solutions to construct diversified portfolios for its clients.

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 credential and bringing 25 years of industry experience. She previously worked at Ameriprise Financial Services for nine years and operates MDG Legacy Advisors, Inc. In addition to her advisory work, she has been involved with Crossroads Christian Church in Vacaville for over 15 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base that includes individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by research, model portfolios, and various management options.

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 founder of the Gonzales Group. In his role, he leads more than a dozen advisors, focusing on office culture and aligning with the communities they serve. His client base primarily consists of hardworking and accomplished families in Napa, Sonoma, and Solano counties, including active and retired wine industry executives, business owners, and multi-generational families. Through the Gonzales Group, he and his colleagues aim to measure wealth by how well it satisfies clients' priorities for themselves and their loved ones. Eric's approach involves modern portfolio theory to mitigate investment risk and designing goal-based financial strategies with cost efficiency in mind. He emphasizes helping clients manage concerns about outliving their assets through discussions on cash flow, long-term care, and Social Security strategies. Engaging both spouses in planning is a critical part of his work to optimize clients' financial pictures. He is a Personal Investment Advisor (PIA) and holds a Bachelor's Degree from the University of California. In addition to his professional responsibilities, Eric is involved in community activities, including serving as a board member for Community Action of Napa Valley. Previously, he held various roles related to Justin-Siena High School and Nelda Mundy Elementary. He has been recognized with the Bank of America Global Diversity and Inclusion Manager Award in 2018 and 2019.

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 with LPL Financial based in Napa, CA, with 18 years of industry experience including 17 years at G&J Seiberlich & Company LLP and one year at LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by model portfolios, third-party subadvisors, and technology-driven research.

Zachary Taylor is a financial advisor with Morgan Stanley in Napa, California, holding Series 63, 65, and 66 licenses with 17 years of industry experience. He has been with Morgan Stanley since 2016, working within both Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Outside of his advisory role, he is a sole proprietor involved in real estate property management in Lorida, Florida. 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 including tailored financial planning, utilizing structured discovery processes and various modeling tools, and manages approximately $2.74 trillion in client assets.

Fatima Sosa Ortiz is a Financial Advisor with Merrill Lynch Wealth Management. She works one-on-one with clients to simplify the financial planning process, organizing priorities and creating strategies designed around individual goals. Her client focus areas include managing new wealth, personal retirement planning, and women and wealth. Before joining Merrill in 2022, Fatima worked with business owners at JPMorgan Chase in St. Helena, which helped her build trusted client relationships and assist clients in making informed financial decisions. She holds a Bachelor's Degree from Pacific Union College and has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Fatima is deeply rooted in Napa Valley and is committed to serving the community through involvement with organizations such as 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. She is also affiliated with Girls on the Run and Leadership Napa Valley. Her personal interests include cooking, hiking, music, painting, reading, running, skiing, spending time with family, traveling, and writing.

Michael Gradl is a financial advisor with LPL Financial in Vacaville, CA, holding a Series 63 credential and over 33 years of industry experience. He previously worked at Cuso Financial Services and Sorrento Pacific Financial from 2005 to 2018 before joining LPL Financial and Travis Credit Union in 2018. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and retirement plan consulting, utilizing both discretionary and non-discretionary management approaches supported by proprietary and third-party research.