Calvin L Heim

Gregory Crawford is the sole advisor at Crawford Financial Planning & Consulting in Modesto, CA, with 42 years at the firm and nine years of industry experience. He provides portfolio management and financial planning services primarily for individual and high-net-worth clients. Crawford Financial Planning & Consulting offers discretionary portfolio management and one-time financial planning engagements, emphasizing ETF-based portfolios and a blend of modern portfolio theory, fundamental analysis, charting, and cyclical analysis to guide asset allocation and security selection. The firm requires client accounts to be custodied at Schwab Institutional and operates as a sole proprietorship with a long operating history.

Nicole Seghetti is a CFP® professional with 16 years of industry experience. She is the sole advisor at Luminary Financial Planning in Modesto, CA, and has operated Seghhetti Holdings LLC since 2012, providing financial planning content for online publications. Luminary Financial Planning offers investment advisory and financial planning services to individuals, high-net-worth clients, pension and profit-sharing plans, and business entities. The firm manages client accounts on a strictly non-discretionary basis and employs a long-term investment approach using fundamental analysis and modern portfolio theory.

Kendall Seifert is a financial advisor at Blom & Howell Financial Planning, Inc. in Modesto, CA, holding a Series 65 designation with two years of industry experience. Prior to joining Blom & Howell in 2023, Kendall worked at Grand Canyon University and has concurrent experience at Trader Joe’s since 2018. Blom & Howell Financial Planning serves individuals, trusts, estates, business entities, and retirement plans with comprehensive wealth management, financial planning, and estate-planning assistance. The firm offers customized asset allocation and portfolio management services, including a firm-sponsored wrap fee program, and integrates technology such as artificial intelligence and machine learning in its investment processes.

Thomas Oliveira is a financial advisor with Oliveira Wealth in Modesto, CA. He holds the ChFC® designation and Series 63 and 65 licenses, and has 29 years of industry experience. His prior work includes 15 years at LPL Financial and ongoing affiliation with The Leaders Group Inc. Outside of advising, he is involved in managing real estate and related business activities. Oliveira Wealth serves individuals, trusts, pension and profit-sharing plans, and businesses, offering discretionary asset management, financial planning, retirement plan consulting, and cost segregation services. The firm employs individualized portfolios with a preference for ETFs and fixed income, and distinguishes itself with a broker-dealer affiliation and specialized tax and retirement plan consulting services.

Christopher Dennis is a financial advisor at Arrowhead Wealth Management Corp. in Modesto, CA, with 33 years of industry experience. He holds a Series 63 designation and has been with Arrowhead Wealth Management since 2014. In addition to his advisory role, he is an independent insurance producer for various insurance companies. Arrowhead Wealth Management Corp. provides fee-based investment advisory services to individuals, trusts, estates, charitable organizations, and business entities, managing approximately $30.8 million in client assets. The firm employs a tactical allocation approach using fundamental, technical, and cyclical analysis to tailor non-discretionary portfolios, and it also serves as a solicitor for a third-party managed-account platform.

Kenneth Boone is the sole advisor at Kenneth E. Boone Wealth Management, LLC in Oakdale, CA, with 26 years of experience in the industry. He holds a life insurance license and occasionally offers clients life insurance, long-term care policies, or annuities as part of the wealth planning process. The firm advises individual clients, including high-net-worth households, on comprehensive wealth planning and portfolio management. Its investment approach is based on Modern Portfolio Theory, focusing on customized investment policies, diversified asset-class exposures, and quarterly rebalancing, with most assets managed on a non-discretionary basis through a third-party administrator.