Emma Kerss is a CFP®-credentialed financial advisor with Ameriprise, where she has worked since 2017 and has a total of 10 years of industry experience. Prior to joining Ameriprise, she spent a year at Westlake, Grahl, and Glover. Outside of her advisory role, she is involved in consulting through Unapologetically Us, LLC and co-owns a real estate business, Team ME LLC. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement with significant investable assets, combining research and modeling with tax-efficient strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Collin Finegan is a financial advisor at OSAIC with six years of industry experience. He holds a Series 66 credential and has previously worked at Lincoln Financial Advisors and Bank of America Merrill Lynch. Outside of his advisory role, Finegan is the owner of Finegan Financial Services, LLC, and also offers fixed insurance products as an agent. OSAIC Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm employs a model-based investment approach with a range of advisory and brokerage services, supported by affiliated broker-dealer and registered investment adviser relationships.

Aric Koshiyama is a financial advisor with LPL Financial in Vacaville, CA, holding Series 63 and Series 65 credentials with 28 years of industry experience. He has worked with Travis Credit Union and LPL Financial since 2007 and prior to that was with SeCU Brokerage Services and CUNA Brokerage Services. 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 a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Amy Knopka is a financial advisor at UBS Financial Services with 12 years of industry experience. She has been with UBS since 2013 and holds the Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management and offers proprietary research and a range of capital markets services.

Gary Norman is a financial advisor with Edward Jones in Napa, CA, holding the ChFC® designation along with Series 63 and Series 66 licenses. He has 21 years of industry experience, all of which have been with Edward Jones since 2005. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, including discretionary and non-discretionary wrap fee solutions, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of financial advisors and branch offices.

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 with Morgan Stanley in Napa, California, holding Series 66 and Series 63 licenses and having 12 years of industry experience. Prior to joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2026, Kelly spent 10 years at Wells Fargo Clearing. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering financial planning services supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and serves clients directly as well as through corporate financial planning agreements.

Hugo Mendoza Solis is a financial advisor at Edward Jones with 10 years of industry experience. He has previously worked at Wells Fargo Clearing and Wells Fargo Bank, NA. He serves on the board of the Sonoma Valley Education Foundation and participates on the Micro Loan Committee at La Luz Center, focusing on community economic development and education. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment solutions. The firm is known for its extensive advisor network and affiliated capabilities beyond traditional advisory services.

Fredy Tanchez is a Series 66 credentialed advisor at Merrill with three years of industry experience. He previously worked at Flynn Restaurant Group LLC before joining Merrill. 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, and institutions.

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 at LPL Financial with two years of industry experience. He holds a Series 66 designation and has previously worked at Travis Credit Union, Cellular Sales, Luxottica - Oakley, and Adidas. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions, offering a range of financial planning, portfolio management, and institutional platforms.

Joshua Ginting is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes six years at First Hawaiian Bank and roles in overseas radio and television. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

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.

Aimee Matthews is a financial advisor with Ameriprise in Rohnert Park, CA, holding a Series 66 designation and nine years of industry experience. She has been with Ameriprise and its affiliate since 2014. Outside of her advisory role, Matthews serves on the board of directors for Autumn Hill HOA and is a children’s book author and illustrator under the name A.R. Matthews. Ameriprise provides a retirement-income planning service targeting individuals nearing or in retirement, focusing on clients with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary retirement income recommendations through a centralized consulting team.