Amy Heald Peeples

Ryan Melnyk is a financial advisor at Manzanita Wealth Management LLC with two years of industry experience. He earned his Series 65 designation in 2024. Manzanita Wealth Management LLC provides fee-only investment management, financial planning, and retirement plan consulting to individuals and employer-sponsored plans. The firm employs a mix of passive and active strategies guided by asset-allocation principles and client risk tolerance, including a taxable-only investment tier that uses derivatives with client approval and active risk controls.

Elizabeth “Liz” Daffner founded Diligence Wealth Management with a simple idea: financial planning should be about more than accumulating money. It should help you build a life you actually want to live. Working in financial services since 2010, Liz has built an intentionally small, personal practice serving clients in Roseville, California, the greater Sacramento area, and beyond. Her clients work directly with her, not a revolving team of advisors, because she believes some of life’s biggest financial decisions deserve a relationship with someone who actually knows your story. Liz specializes in retirement planning and wealth management, including investment management, retirement income strategies, Social Security planning, Roth conversions, and tax-aware financial planning. She also helps people navigate the moments when life suddenly changes the financial plan: retirement, divorce, the loss of a spouse, or receiving an inheritance. Her philosophy is practical: money is a tool, not the finish line. A good financial plan should give you the confidence to make smart decisions while still enjoying the life you worked so hard to build. That philosophy carries into Liz’s own life. When she isn’t working with clients, you’re more likely to find her on the back of a horse, riding a motorcycle, traveling, or chasing the next adventure. She believes a successful financial life isn’t just measured by what you leave behind. It’s also measured by what you get to experience along the way.

Mark Dyer is a financial advisor at Mechfi in Sacramento, CA, with nine years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Merrill, Bank of America Corp, Edward Jones, J.P. Morgan Securities, Comerica Securities, Motif, and Lumity, Inc. Outside of his advisory role, he is a 25% owner of Mary's Mobile Kitchen, a restaurant business, for which he creates marketing materials. Mechfi provides fee-based advisory services to individuals, trusts, estates, charitable organizations, corporations, and employer-sponsored retirement plans. The firm’s investment process follows Modern Portfolio Theory and uses diversified portfolios of ETFs, mutual funds, REITs, individual equities, and fixed income, with ongoing monitoring and client education through newsletters and seminars.

Blake Fischer is a financial advisor with Fiduciary Wealth Partners in Citrus Heights, CA. He holds a Series 65 designation and has six years of experience with Fiduciary Wealth Partners. Outside of his advisory role, he works as a financial program manager at Pacific Gas & Electric, providing financial analysis to Electric Operations leaders. Fiduciary Wealth Partners offers customized investment management and financial planning services to individuals, high-net-worth clients, trusts, estates, small businesses, charitable organizations, and pension/profit-sharing plans. The firm employs an asset-allocation driven investment process informed by macroeconomic analysis and valuation, with an emphasis on cost-effectiveness and ongoing portfolio monitoring.

Kwadwo Osei is a CFA® charterholder and the sole principal of Atwima Wealth Management LLC, with one year of experience in the financial industry. He previously worked at Integrity Growth Partners as Vice President of Finance and Chief Compliance Officer, and has held roles at CIM Group and Citizens Financial Group. Osei maintains a full-time finance and compliance position at Integrity Growth Partners, a private equity firm. Atwima Wealth Management LLC provides asset management and financial planning services to individuals and small business owners, offering a range of investments including stocks, bonds, mutual funds, ETFs, REITs, and cryptocurrency. The firm employs both fundamental and technical analysis and manages accounts on a non-discretionary basis, incorporating various investment strategies and alternative investments.

Richard Loek is a financial advisor with Onesta Wealth Management, LLC in Sacramento, CA, holding a Series 65 designation and 18 years of industry experience. He has been with Onesta Wealth Management since 2012 and also runs Calrima Financial & Insurance Agency, where he serves as CEO and insurance agent. Onesta Wealth Management provides personalized financial planning and asset management services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm employs a mix of fundamental, technical, and cyclical analysis for portfolio monitoring and offers educational seminars and workshops without charge.