Kevin Bartel

Richard Patrick is a financial advisor at Sowell Management with 22 years of industry experience. He holds the Series 66 designation and has worked at Sowell Management since 2020, following a prior role at Naples Asset Management Company, LLC. Sowell Management is a fee-based registered investment adviser serving individuals, retirement plans, corporations, registered investment advisers, and institutions. The firm offers investment management, financial planning, retirement-plan advisory, and related consulting services through a multi-branch independent-contractor model with over 100 advisors.

Farid Nadjibi is the principal of Farid Consulting and holds Series 63 and Series 65 licenses with two years of industry experience. Prior to his financial advisory career, he has been involved with Burlwood Gallery since 2006, engaging in jewelry, collectibles, decor, and building contracting. Farid Consulting is a sole-proprietorship investment advisory firm that offers discretionary and non-discretionary portfolio management, financial planning, and retirement/employee benefit account services to individuals, high-net-worth clients, and small businesses. The firm employs a tailored, goals-based investment approach across a wide range of asset classes, including equities, fixed income, options, private funds, real estate investments, and digital assets.

John Cruse is the principal of Cruse Investments in Petaluma, CA, holding a Series 66 designation and bringing 24 years of industry experience. He has led Cruse Investments since 2013. Cruse Investments provides investment management and written financial planning services to individuals, trusts, estates, and corporations. The firm customizes portfolios using stocks, bonds, ETFs, and mutual funds, operates primarily on a non-discretionary basis, and offers advice on retirement rollovers and employer plan distributions.

John Baughman is a financial advisor with Baughman Financial Group in Novato, CA, holding Series 63 and Series 65 licenses and 33 years of industry experience. He has worked at First Allied Securities, Inc. from 2008 to 2018 and has been with Baughman Wealth Advisors Inc. and Baughman Financial Group since 2008 and 1999, respectively. Baughman Wealth Advisors, operating as Baughman Financial Group, provides portfolio management, financial planning, retirement and estate planning, and consulting services to individuals, families, trusts, foundations, charitable organizations, and various institutional clients. The firm employs a combination of fundamental, modern portfolio theory, technical, and cyclical analysis to create customized portfolios and offers discretionary management, insurance product sales, and educational seminars.

Douglas Varn II is the sole advisor at Varn Financial Planning in El Cerrito, CA. He holds a Series 65 credential and previously worked in technology roles at Google, Fitbit, Pandora Music, and DocuSign. His advisory experience began in 2025 with Varn Financial Planning. Varn Financial Planning offers advice-only, project-based financial life planning and portfolio strategy services to individuals and high-net-worth households. The firm focuses on data-driven financial modeling and scenario analysis to provide one-time comprehensive plans and prioritized recommendations without ongoing account management.

Dennis Noss is a financial advisor at Cayman Capital Management, Inc. with 12 years of industry experience. He holds Series 63, 65, and 66 licenses and has a background that includes roles in real estate, tax planning as an IRS Enrolled Agent, insurance sales, and commodity trading advisory. Noss currently operates as a Realtor and provides tax representation and strategic tax planning services. Cayman Capital Management, Inc. offers investment management and financial planning services primarily to individuals, families, trusts, and closely held businesses. The firm employs a selective client model and focuses on asset allocation and broad diversification using ETFs, mutual funds, equities, and bonds, managing portfolios on a non-discretionary basis with client approval required for trades.