Jana Lea Lockhart

Sean Morgan is a financial advisor at Spelts Wealth Management, Inc. in Chico, CA, holding a Series 65 credential with two years of industry experience. He previously worked at InvestorKeep for four years and serves as an adjunct professor at California State University, Chico. Additionally, he is a board member of Column National Association, a banking institution. Spelts Wealth Management provides investment advisory services to individuals, high net worth clients, trusts, corporations, and retirement plans. The firm offers a fiduciary-focused approach using multiple analysis methods and a wide range of strategies, including an individualized Wrap Asset Management program and ERISA plan services with discretionary and non-discretionary investment management options.

Justin Waller is a CFP® and holds a Series 66 license, with 25 years of experience in the financial services industry. He is the sole advisor at Waller Financial Coaching, an independent firm he has led since 2014. Waller serves on the board of the Marshall Family Foundation as a volunteer. Waller Financial Coaching is a California-registered independent advisory firm providing discretionary investment management, comprehensive financial planning, and ancillary services including tax preparation. The firm serves individuals, corporate entities, and pension/profit-sharing plans, managing approximately $73 million in discretionary assets through a combination of passive and active investment strategies.

Randall Stone is the principal of Randall Stone Financial and holds a Series 66 designation with 18 years of industry experience. He has worked at Bean Counting Firm, Inc. since 2022 and founded Randall Stone Financial in 2007. Outside of his financial advisory work, he serves as an adjunct professor and is involved in real estate development as a director of development for a separate business entity. Randall Stone Financial provides investment consulting, portfolio management, financial and estate planning, real estate investment advisory, and tax-preparation services to pooled investment vehicles, institutional investors, charitable institutions, and select individuals. The firm employs cyclical, fundamental, and technical analysis with strategic and tactical asset allocation tailored to client objectives, while also maintaining a registered tax-preparation practice and offering real estate development advisory.

Gannon Agnew is a financial advisor at Murray Financial Services, Inc. with one year of industry experience. He holds a Series 65 designation and has worked in a variety of roles, including positions at Almendra Winery & Distillery and UC Berkeley. Murray Financial Services serves individuals, pension plans, corporations, and non-profit organizations, providing discretionary portfolio management and financial planning with a focus on asset allocation and long-term investment strategies. The firm emphasizes institutional custody and tax-efficient asset management, primarily utilizing mutual funds from Dimensional.

Kevin Murray is a financial advisor at Murray Financial Services, Inc. in Chico, California, holding Series 63 and Series 66 credentials with 32 years of industry experience. He worked at LPL Financial for 10 years before founding his current firm in 2015. He is also licensed to sell non-variable life, long-term care, and term insurance products. Murray Financial Services serves individuals, including high-net-worth clients, pension and profit-sharing plans, corporations, and non-profit organizations. The firm offers discretionary portfolio management, financial planning, and pension consulting with an asset-allocation driven, long-term investment approach, primarily utilizing mutual funds from Dimensional alongside exchange-listed securities and fixed income.

Steven Cliadakis is a CFP® with 13 years of industry experience and is a partner at Altum Wealth Advisors. His prior roles include positions at Purshe Kaplan Sterling Investments and First Allied Advisory Services. He serves as a volunteer instructor and curriculum committee member at the Osher Lifelong Learning Institute at CSU, Chico. Altum Wealth Advisors provides investment advisory services to individuals, trusts, pension and profit-sharing plans, and business entities. The firm employs a tailored fiduciary approach combining fundamental analysis, modern portfolio theory, and multiple asset-allocation techniques, with regular use of options and derivatives in portfolio management.