Karen Lee is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and two years of industry experience. Her prior work includes roles at Fidelity Personal and Workplace Advisors and JPMorgan Chase Bank, N.A. She is based in Pleasant Hill, CA. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering non-discretionary wealth management services supported by an in-house manager solutions team.

Danielle Solano is a financial advisor with Morgan Stanley in Napa, CA, holding a Series 66 designation and three years of industry experience. Prior to her advisory role, she spent 11 years at JD Jones Construction. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in assets. The firm’s financial planning process involves structured discovery and firm-approved tools, offering a range of investment and planning services without individual security recommendations in standalone plans.

Cory Synnestvedt is a financial advisor based in Napa, CA with 30 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, and retirement plan consulting, relying on research and analytics to evaluate investment options within a framework of diversification and modern portfolio theory.

Kristoffer Conrad Pingul is a Financial Advisor at Merrill Lynch Wealth Management. He works directly with clients to define their financial goals and develop portfolio strategies tailored to their individual needs. His approach includes ongoing advice and portfolio adjustments to align with clients' changing situations. His expertise encompasses employee benefits planning, retirement income, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and both individual and corporate investment strategies. He holds the Chartered Financial Consultant (ChFC) designation and is a Personal Investment Advisor (PIA). Kristoffer earned a High School Diploma from Davis Senior High School, an Associate's Degree from Solano Community College, attended San Francisco State University without degree completion, and completed an Accredited Certificate Program at The American College of Financial Services. Kristoffer speaks Tagalog and English and is affiliated with the Iglesia Ni Cristo (Church of Christ). His personal interests include billiards, bowling, golfing, reading, spending time with family, tennis, traveling, volleyball, watching movies, and woodworking.

Justin Gomez is a CFP® and Series 66 licensed financial advisor with Edward Jones, based in Napa, CA. He has 11 years of industry experience, all with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a range of households, pension plans, corporate clients, and charities. The firm manages approximately $1.01 trillion in assets and offers a variety of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated funds, operating under a fiduciary standard.

Richard Barry is a CFP® with 28 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors from 2011 to 2016. Barry holds an inactive attorney license from the Supreme Court of Pennsylvania. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advice. The firm’s IPS-driven investment process incorporates modern portfolio theory and includes a broader range of financial products than typical institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Phylos Tobler is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. Prior to joining LPL Financial in 2020, he worked at E.K. Riley Investments, LLC for five years. Outside of his advisory role, Tobler is involved with a separate business entity supporting his LPL activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charities through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and access to diverse strategies supported by LPL Research and third-party subadvisors.

Alphonse Alexandre is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2021. He brings nearly two decades of experience in financial advisory roles, having worked at several prominent firms including Merrill Lynch and Citibank. His professional background encompasses a range of positions, from Financial Advisor to Financial Solutions Advisor and Personal Banker. Throughout his career, Alphonse has developed expertise in helping clients prepare for and navigate significant life events through personalized financial planning. He holds a California Insurance License, supporting his ability to provide comprehensive financial guidance. Prior to his current role, he held various positions at Merrill Lynch from 2007 to 2021 and at Banc Of America Investment Services in 2006-2007. Outside of his professional responsibilities, Alphonse enjoys family activities and is interested in sports such as golf, soccer, table tennis, and tennis.

Maxim Sparks is a financial advisor at Morgan Stanley in Napa, CA, with one year of industry experience. He holds Series 65 and Series 63 credentials. Prior to joining Morgan Stanley, Maxim has held various roles including work at Hog Island Oyster Company and DigiTrade Ltd., as well as time spent as a full-time student. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients with a broad range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs firm-approved tools and methodologies such as Monte Carlo simulations to support its planning process.

Ron Herring is a financial advisor with UBS Financial Services based in Napa, CA, holding Series 63 and Series 65 licenses and possessing 39 years of industry experience. He has worked at Painewebber Incorporated since 1987 and UILIC since 1986. Outside of his advisory role, he serves as head coach for the Napa Valley Basketball Alliance, a youth basketball program. 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 according to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services and provides a broad range of capital markets and custody solutions.

Melissa Bruner is a financial advisor with Wells Fargo Advisors in Fairfield, CA, holding Series 63 and Series 65 licenses and possessing 31 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors starting in 2013. Outside of her advisory role, she is involved in a tax and accounting business with a minority ownership interest. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services tailored to clients meeting a net-worth threshold and supports advisors with Wells Fargo research, planning tools, and simulation models.

Benjamin Gongora is a financial advisor at Charles Schwab with 26 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2005. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment options supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Keith Bernardy is a financial advisor at LPL Financial with 43 years of industry experience. He holds the Series 63 designation and previously worked at Securities America Advisors, Inc. and KMS Financial Services, Inc. Bernardy also operates Bernardy Financial Group as a DBA related to his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Lindsey Stone is a CFP® with 11 years of industry experience and has been with Edward Jones since 2014. She holds the Series 66 designation and is based in Sonoma, CA. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering both discretionary and non-discretionary investment strategies. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of over 23,700 financial advisors and 15,000 branch offices.

Charles Daniels III is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His career includes roles at First Allied Advisory Services, Inc., First Allied Securities, Inc., and Harvest Financial, LLC, where he also serves in an insurance capacity. Cetera Investment Advisers LLC is a multi-manager platform that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a variety of portfolio management and financial planning services through a nationwide network of independent advisors.

John Stoflet is a financial advisor at Edward Jones with 25 years of industry experience. He has held Series 63 and Series 66 licenses and has been with Edward Jones since 2000. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies and affiliated investment products, managing approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors.

Emmanuel Rojas is a financial advisor at Charles Schwab with 11 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2019, following three years with J.P. Morgan Chase Bank and J.P. Morgan Securities LLC. Charles Schwab & Co., Inc. serves a large client base, 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 guidance using multi-asset model portfolios and integrates advisory, brokerage, custody, and cash-sweep services within its distinctive operational structure.

Robert Lockhart is a financial advisor at Raymond James Financial with 18 years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones for 12 years before joining Raymond James in 2020. Outside of his advisory role, he serves as CEO of Align Financial Inc., a support company affiliated with his firm. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutions. The firm offers tailored non-discretionary planning and analytical tools, supports institutional consulting, and maintains specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Eric Medina is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. His career includes roles at Wells Fargo Clearing and Wells Fargo Bank NA before joining J.P. Morgan in 2023. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services on a non-discretionary basis, combining institutional advisory capabilities with affiliated brokerage and investment management functions.

Chris Silva is a ChFC® and holds a Series 66 license with 13 years of industry experience. He has been with Edward Jones since 2012. 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 strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 financial advisors.