Wyatt Knippen is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in goals-based wealth management, customized investment strategies, and dedicated client service. He works closely with the Negrete & Associates team to develop tailored approaches that align with the unique circumstances and objectives of each client. Wyatt serves as a key client contact, focusing on building long-term relationships and remaining attentive to clients' evolving priorities, while leveraging the resources of Bank of America’s Retirement and Benefit Plan Services Group. Before joining Merrill Lynch in 2017, Wyatt spent 13 years as an insurance broker, gaining experience in client relations and financial planning. His areas of expertise include divorce transition planning, defined benefit and contribution plan services, employee financial health, managing new wealth, and personal retirement planning. He holds professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Wyatt earned a bachelor’s degree in business management from California State University-Sonoma and an MBA from Saint Mary’s College of California. Raised in Napa Valley, he enjoys outdoor activities such as camping, fishing, gardening, and hunting. In his personal time, Wyatt cultivates his garden, tending to fruit trees, tomatoes, and melons.

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.

Doug Williams is Vice President and Wealth Planner at Fidelity Investments, where he has been working since 2021. He has over a decade of experience in the financial services industry, focusing on clients' goals and concerns through a goals-based wealth planning process. Doug utilizes global resources and current web technology to assist clients in pursuing the financial lifestyles that are meaningful to them. Prior to his current role, Doug held positions as Senior Private Client Advisor at Bank of the West from 2018 to 2021, Financial Advisor at Merrill Lynch from 2014 to 2018, Director at Credit Suisse from 2010 to 2014, and Director at UBS Private Wealth Management from 2008 to 2010. He holds a California Insurance License.

Katherine Engel is a Senior Financial Advisor with Merrill Lynch Wealth Management. She specializes in family wealth management strategies, personal retirement planning, and both individual and corporate investment strategies. Katherine works closely with clients to develop personalized financial plans that align with their goals, drawing on the investment insights of Merrill and the banking services of Bank of America. She earned her CERTIFIED FINANCIAL PLANNER® (CFP) certification in 2022 and holds the Personal Investment Advisor (PIA) designation. Katherine holds a Bachelor's Degree from Fordham University and a Master's Degree from the University of Sydney. Her professional affiliations include memberships in 100 Women Who Care and Soroptimists International. Katherine is actively involved in community organizations such as the Community Resources for Children Development Committee, Leadership Napa Valley Class 35, Napa United Soccer Coach, and the Napa Valley Support Services Committee. Outside of her professional work, she enjoys cooking, football, reading, running, scuba diving, soccer, softball, spending time with her family, traveling, and watching movies.