Haley Marie Hitchman

Peter Mu is a CFP® with 15 years of industry experience, currently serving as the sole advisor at Wealth Cairn, LLC. His prior experience includes roles at Park Avenue Securities and Guardian Life Insurance Company. He is also licensed to sell insurance products as part of his professional activities. Wealth Cairn provides advisory services to institutional and individual clients, specializing in portfolio management, pension consulting, and financial planning. The firm employs a long-term investment approach grounded in modern portfolio theory and often implements strategies through third-party managers with ongoing due diligence.

Carmel York is a financial advisor at Clym LLC with four years of industry experience. She holds the Series 65 designation and has previously worked in mortgage companies and banking. Outside of her advisory role, she serves as Vice President of Sales at OptiFunder LLC, a subscription software company that automates mortgage operations. Clym LLC provides integrated financial planning and discretionary investment management to individuals, trusts, estates, charitable organizations, business entities, and select institutional clients. The firm operates as a fee-only fiduciary and focuses on portfolio management aligned with clients’ goals, utilizing institutional-class mutual funds, ETFs, and private investments, while also offering educational workshops and coordinating with clients’ other professionals.

Thomas Ogden Sr. is a financial advisor with Ogden, Thomas, holding a Series 65 designation and four years of industry experience. He has operated his own law practice since 2007. Ogden’s legal background is a notable aspect of his professional profile. Ogden, Thomas provides investment management and advisory services primarily to institutional clients and plan sponsors, including retirement plans, businesses, trusts, and charitable organizations. The firm offers wealth management, financial planning, and retirement-plan advisory, employing both fundamental and technical analysis with a long-term orientation, and manages potential conflicts arising from its affiliation with the advisor’s legal practice.

Jacques Bolivar is a CFP® with 27 years of industry experience, currently serving as the sole advisor at Pharaoh Financial Group, Inc., an independent firm he has led since 2000. He has also worked with LPL Financial since 2009. Bolivar holds Series 63 and 65 licenses and provides financial planning and consulting services primarily on an hourly or flat-fee basis. Pharaoh Financial Group, Inc. offers financial planning and consulting to individuals, families, small business owners, and various institutional clients. The firm emphasizes comprehensive, life-centered planning and client education without managing client assets directly, utilizing an affiliated broker-dealer and insurance brokerage for implementation of recommendations.

Catherine Hawley is a financial advisor at Hawley Personal Finance in Monterey, CA, with 14 years of industry experience. She holds Series 63 and Series 65 designations and has been practicing as a CFP® since 2012. Hawley Personal Finance offers financial planning and investment consultation to individuals, families, and small businesses, focusing on cash flow, retirement, tax strategies, education funding, and estate planning. The firm emphasizes fundamental analysis and asset allocation with long-term, buy-and-hold strategies, providing recommendations without managing or executing trades on client assets.

Bret Elliott is a CFP® with 23 years of experience in financial advising. He has been with Elliott Financial, LLC since 2002 and is the sole advisor at the independent firm. Elliott Financial primarily serves working-class individuals and their families, along with some self-employed clients and a few with significant investable assets. The firm offers fee-only financial planning and investment advisory services, focusing on diversified portfolios that use no-load mutual funds and ETFs, and follows a fundamental, long-term investment approach that rejects market timing and technical analysis.