James Francis Maresca

Robert Gemmer is a CFP® professional with 47 years of experience in financial and investment planning. He has operated as a self-employed advisor since 1979 and currently leads his independent firm, Gemmer, Robert Arden, based in Healdsburg, CA. He is also licensed as a life, health, and disability insurance agent. His firm provides financial planning and portfolio management primarily to individual clients, as well as trusts, employer-sponsored retirement plans, and self-employed business retirement accounts. Investment recommendations are tailored to each client’s objectives and risk profile, with diversified asset allocation and discretionary management implemented through third-party custodians.

Thomas Drake is the sole advisor at Integritas Semper, LLC, an independent registered investment adviser based in Windsor, CA. He holds Series 63 and Series 66 designations and has 27 years of industry experience. Prior to founding Integritas Semper in 2010, he was associated with Grove Point Investments, LLC. Drake is also an insurance agent, marketing investment-related insurance products. Integritas Semper provides portfolio management and investment supervisory services to individuals, high-net-worth clients, trusts, estates, corporations, and municipal entities. The firm employs a combination of charting, fundamental and technical analysis, and uses derivatives within separately managed accounts to implement its trading strategies.

Raymond Gadbois is a CFP® with 20 years of experience in financial advising, currently serving as the sole advisor at Index Financial Advisors LLC since 2006. He also operates a consulting business providing accounting and administrative services to a family office and related entities. Index Financial Advisors LLC offers investment management, financial planning, and project-based consulting for individuals, families, trusts, and estates. The firm employs a long-term, passive investment strategy focused on asset allocation and low-cost, diversified index funds and ETFs, managing approximately $126 million across about 140 accounts.

David Meucci is a CFP® professional with 29 years of experience in the financial industry. He is the sole advisor at Phase Change Wealth Management LLC, where he has worked since 2025. His prior experience includes roles at Western International Securities, Inc. and Financial West Group, spanning nearly two decades. Phase Change Wealth Management LLC provides investment management and project-based financial planning to individuals, high-net-worth clients, and corporate or business clients. The firm combines passive and active investment strategies based on modern portfolio theory and offers both asset-based portfolio management and hourly billing for limited-scope planning.

Melissa Imhaus is the sole advisor at Imhaus Investment Advisors, an independent firm based in Windsor, CA. She holds a Series 66 designation and has 20 years of industry experience, including 19 years leading her current firm. Imhaus Investment Advisors provides discretionary portfolio management and advisory services to individuals, high-net-worth clients, and business entities. The firm develops client-specific Investment Policy Statements and employs a combination of fundamental, cyclical, and momentum analysis alongside an asset-allocation model to guide investment decisions.

Kevin Swad is a CFP® professional with 14 years of industry experience. He is the sole advisor at Swad Wealth Management LLC, an independent firm based in Santa Rosa, CA. Prior to founding his own firm in 2022, he worked at Charles Schwab and Charles Schwab Bank from 2013 to 2022. Outside of financial advising, he is a licensed insurance agent and owns a real estate property management business unrelated to investment activities. Swad Wealth Management provides financial planning, discretionary investment management, and ERISA services to high-net-worth individuals, trusts, estates, charitable organizations, and business entities. The firm employs firm-developed model strategies and quantitative analysis to build portfolios and manages approximately $111 million in discretionary assets across 48 client relationships.