Kacy Lotz

Matthew Etzler is a CFP® certificant and Series 63 license holder with 23 years of industry experience. He has been the sole advisor at Etzler Financial Advisors, LLC since 2005. Etzler Financial Advisors serves individuals, families, trusts, and employer plan sponsors, including nonprofit organizations, offering comprehensive and a la carte financial planning, retirement and tax advice, insurance and estate-conservation guidance, and employer retirement plan consulting. The firm operates as a fee-only practice emphasizing a globally diversified, long-term buy-and-hold investment approach, with a notable focus on retirement plan fiduciary services and non-discretionary asset management.

William Smail is a financial advisor with Edward Jones in Red Bluff, CA. He holds the CFP®, ChFC®, and Series 66 designations and has 18 years of industry experience, all with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a wide range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of over 23,000 financial advisors.

Alan Foley is a CFP® and ChFC® with 35 years of industry experience, currently serving as a financial advisor at Ameriprise in Red Bluff, CA. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Foley is involved with Northstate Outdoors, an outdoor guide website and patent ownership. Ameriprise provides retirement-income planning services aimed at individuals approaching or in retirement, focusing on clients with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, customized income recommendations through a centralized consulting team.

Eric Frey is a financial advisor with Raymond James Financial in Red Bluff, CA, holding a Series 63 designation and bringing 34 years of industry experience. He has been with Raymond James Financial since 2009 and has served as an insurance agent for health insurance companies since 2010. Outside of his advisory role, he has been involved with the Kelly Griggs Museum since 2006. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored plans and advisory support through various account structures and an extensive affiliate network.

Stephen Cheffet is a financial advisor at Edward Jones in Red Bluff, California, with eight years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2017. Prior to his current role, he worked for AstraZeneca, LP from 2004 to 2017. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory strategies and investment solutions, operating under a fiduciary standard and managing approximately $1.01 trillion in assets.

Mikael Ago is a financial advisor at J.P. Morgan Securities with Series 63 and Series 65 licenses. He is based in Red Bluff, CA. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.