Deven C Howard

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, holding Series 63 and Series 65 licenses with 15 years of industry experience. He has operated his independent advisory firm since 1999. Gerritz Wealth Management provides 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 integrates fundamental and technical analysis using proprietary timing tools to manage discretionary portfolios.

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.

Audrey Creak is a financial advisor at Oregon Pacific Wealth Management with 22 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Oregon Pacific Wealth Management since 2016. Her prior experience includes roles at Oregon Pacific Banking Company and LPL Financial LLC. Oregon Pacific Wealth Management serves individuals, including high-net-worth clients, as well as pension and profit-sharing plans, trusts, estates, and business entities. The firm manages approximately $175 million in assets and constructs globally diversified, risk-based portfolios, primarily using ETFs and mutual funds, with a variety of analytical approaches and options for active management during volatile markets.

Keegan Denn is a CFP® and holds a Series 65 license with 15 years of industry experience. He has been with Fidelis IM, LLC since 2012. The firm provides discretionary investment management, financial planning, and retirement plan services to individuals, trusts, estates, endowments, institutions, and plan sponsors. Fidelis IM employs a passive, strategic asset allocation approach using low-cost ETFs and index mutual funds to build globally diversified portfolios and manages over $240 million in discretionary assets across more than 200 client relationships.