Jana Lea Lockhart

Sean Morgan is a financial advisor with Spelts Wealth Management, Inc., holding a Series 65 credential and one year of industry experience. He has worked at Spelts Wealth Management since 2024 and previously spent four years with InvestorKeep. Morgan also serves as an adjunct professor at California State University, Chico, a position he has held since 2005, and is a board member of Column National Association. Spelts Wealth Management provides investment advisory services to individuals, trusts, pension and profit-sharing plans, and business entities. The firm offers discretionary and non-discretionary portfolio management, ERISA plan consulting, and operates its own wrap fee program, employing a range of investment strategies including fundamental and technical analysis, options, and alternative investments.

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 an advisor with Murray Financial Services, Inc. He holds a Series 65 credential and has one year of industry experience. His prior work includes roles at Almendra Winery & Distillery and PDQ Market & Deli. Murray Financial Services serves individuals, pension and profit-sharing plans, corporations, and non-profits with discretionary portfolio management, financial planning, and pension consulting. The firm employs a long-term, asset-allocation-driven investment approach, primarily using mutual funds from Dimensional and exchange-listed securities, with custody held at Charles Schwab.

Kevin Murray is a financial advisor with Murray Financial Services, Inc. in Chico, CA, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has worked with LPL Financial, LLC since 2006 and founded Murray Financial Services in 2015. Outside his advisory work, he is a licensed insurance agent involved in selling fixed insurance products including life, long-term care, and term insurance. Murray Financial Services provides discretionary portfolio management, financial planning, and consulting services to individuals, high-net-worth clients, corporations, non-profits, and employee benefit plans. The firm emphasizes asset allocation using primarily Dimensional Funds mutual funds and manages accounts on a discretionary basis with a focus on tax-efficient strategies and regular rebalancing.

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.