Benjamin A Givens

Michael Penfield is the sole advisor at Penfield Investments LLC in Central Point, OR, holding a Series 66 designation with 17 years of industry experience. His background includes three years at Edward Jones and twelve years at FanDistro prior to founding Penfield Investments in 2022. In addition to advisory work, he dedicates part of his time to insurance product sales. Penfield Investments LLC provides asset management and financial planning services primarily to individual and high-net-worth clients, managing approximately $4.87 million in non-discretionary assets. The firm utilizes fundamental, technical, and charting analysis, manages held-away retirement accounts through a third-party platform, and integrates an affiliated insurance business.

Tanner Woolley is a CFP® professional with experience spanning several firms including PricewaterhouseCoopers and Hall CPA PLLC. He currently serves at Practice First Investment Advisors LLC, where he has worked since 2026. His background includes roles in both financial planning and accounting. Practice First Investment Advisors LLC provides portfolio management and financial planning services to individuals and high-net-worth clients, employing fundamental analysis and modern portfolio theory within a long-term investment approach tailored to client-specific factors such as risk tolerance and tax considerations.

Stephen Gerritz is the sole advisor at Gerritz Wealth Management, Inc. in Central Point, Oregon. He holds Series 63 and Series 65 licenses and has 16 years of industry experience. He has been with Gerritz Wealth Management since 1999. Gerritz Wealth Management offers active portfolio management and advisory services to individuals, high-net-worth clients, and profit-sharing plans. The firm employs a tactical asset allocation strategy that combines fundamental and technical analysis with proprietary timing tools to manage discretionary assets.

Cassandra Dexter is a CFP® professional with 12 years at Nagel & Padilla, LLC and five years of industry experience. She has worked exclusively with the firm since 2014 in Ashland, OR. Nagel & Padilla, LLC provides accounting, tax, payroll, bookkeeping, and business consulting services alongside financial planning and investment advisory for individuals, trusts, estates, charitable organizations, and small businesses. The firm emphasizes written financial plans and client communication while not acting as custodian of assets or engaging in discretionary trading.

Keegan Denn is a CFP® and Series 65-licensed advisor with 16 years of industry experience. He has been with Fidelis IM since 2012 and worked previously at Cutler Investment Group from 2010 to 2012. Fidelis IM provides discretionary investment management, financial planning, and retirement plan services to individuals, trusts, estates, endowments, institutions, and employer-sponsored plans. The firm employs a passive, strategic asset-allocation approach focused on low-cost ETFs and index mutual funds to create globally diversified portfolios.

Chad Smith is a CFP® professional with 29 years of experience in financial advising. He is currently with Retirement Planning Specialists, Inc. and previously worked at Sagepoint Financial, Inc. Smith assists with training support staff within the Academy of Preferred Financial Advisors, a coaching program for financial planners and their teams. Retirement Planning Specialists provides investment advisory services to individuals, retirement plans, estates, trusts, and business entities, managing approximately $323.6 million in discretionary assets for about 525 clients. The firm employs a long-term, buy-and-hold investment approach with diversified portfolios and conducts regular account reviews, serving a notably high client-to-advisor ratio.