James 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 in Windsor, CA, holding Series 63 and Series 66 licenses with 27 years of industry experience. He has led Integritas Semper since 2010 and is also involved in insurance sales as an agent. Outside of financial advising, he co-owns a home rental business with his spouse. Integritas Semper provides discretionary investment supervisory services to individuals, trusts, estates, charitable organizations, corporations, and municipal entities. The firm employs asset allocation, fundamental and technical analysis, and both long- and short-term trading strategies, with a diverse range of permissible investments including derivatives, which is uncommon among independent advisers.

Raymond Gadbois is a CFP® and Series 65 credentialed advisor with 19 years of industry experience. He has been the sole advisor at Index Financial Advisors LLC since 2006. In addition to his work at the firm, he provides accounting, administrative, and consulting services to a family office and related entities through his sole proprietorship, Ray Gadbois Consulting. Index Financial Advisors offers investment management, personal financial planning, and project-based financial consulting to individuals, families, trusts, and estates. The firm employs a long-term, passive investment approach focused on asset allocation and low-cost index funds, managing client assets on a non-discretionary basis with written recommendations and client-directed execution.

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, currently serving as the sole advisor at Swad Wealth Management LLC in Santa Rosa, CA. He previously worked at Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB, holding various roles from 2013 to 2022. Outside of financial advising, he is involved in real estate property management in Indianapolis. Swad Wealth Management provides financial planning, investment management, and ERISA services to individuals, trusts, estates, charitable organizations, and business entities. The firm manages approximately $61.9 million across about 36 client relationships, employing a mix of fundamental and quantitative analysis through discretionary model portfolios and custom allocations.