John Steven Costa

Michael Melo is the principal of Melo Out Financial, LLC, holding a Series 65 credential with over 20 years of experience, including two decades at Yosemite Farm Credit. He began his financial advisory career independently before founding his current firm in 2025. Melo Out Financial provides investment management and financial planning services to individuals, high-net-worth families, and small businesses, including agricultural clients. The firm focuses on long-term, index-oriented strategic asset allocation with a mix of ETFs, mutual funds, bonds, and cash equivalents, offering both discretionary and non-discretionary portfolio management alongside coaching, consulting, and estate-planning coordination.

Robert Hillberg is the principal of Hillberg Capital Management, LLC in Turlock, California, and holds the PFS™ designation. He has 21 years of experience in financial advising and has operated his investment advisory firm since 2004. In addition, he has been a partner at Hillberg & Co, CPAs since 1980, providing tax, accounting, and general business services outside of investment advising. Hillberg Capital Management is a fee-only registered investment adviser serving individuals, trusts, retirement plans, and businesses. The firm focuses on strategic asset allocation and diversification, primarily using mutual funds and ETFs, and integrates its investment management with the affiliated CPA practice for coordinated tax and financial planning.

Kevin Berger is the sole advisor at Berger Asset Management, Inc. in Turlock, CA, holding a Series 63 credential with 14 years of industry experience. Prior to founding his firm, he worked at Berger & Company, CPAs for 18 years. Outside of his advisory role, he serves as president and director of several non-investment related companies, including Colonize Media, Inc., a digital media distribution firm, as well as employee benefit administration and consulting companies. Berger Asset Management provides discretionary portfolio management and advisory services to individuals, corporations, pension and profit-sharing plans, and estates and trusts. The firm employs a fundamental, value-oriented investment approach focused on large- and mid-cap securities, tailoring portfolios to client objectives and incorporating various instruments such as equities, debt, mutual funds, ETFs, options, and limited futures.

Karmjit Bath is a Series 65-licensed advisor at Three Oaks Wealth with one year of industry experience. Prior to joining Three Oaks Wealth, Bath held roles at MLOA, TOR Wealth Advisor, and Intel Corporation. Three Oaks Wealth serves individuals, families, trusts, estates, and employer-sponsored retirement plans, offering comprehensive financial planning, discretionary investment management, and retirement plan consulting. The firm uses a strategic, research-driven investment process combining top-down asset allocation and bottom-up security selection to build diversified portfolios.

Glenn Andrade is a financial advisor with AFS Investments in Turlock, California, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked at AFS Investments since 2012 and previously spent 10 years at Mutual Securities Inc. Andrade is also a licensed life insurance agent involved in the sale and servicing of life insurance policies. AFS Investments provides advisory and planning services to individuals, retirement plan sponsors, trusts, and business entities, managing approximately $56 million across about 140 client relationships. The firm employs both bottom-up stock selection and top-down asset allocation approaches, offering discretionary, non-discretionary, and self-directed engagement options.

Arthur Askil is a financial advisor at Titan Capital Management with 21 years of industry experience. He holds Series 63 and Series 66 designations and has been with Titan Capital Management since 2005 in its various entities. Titan Capital Management provides discretionary portfolio management and financial planning services to individuals, businesses, pension and profit-sharing plans, and other registered investment advisors. The firm employs a Global Tactical Asset Allocation approach using proprietary quantitative models to adjust asset allocations dynamically across an aggressive-to-conservative risk spectrum.