Kevin Harback

Brian Sly is the principal of Brian Sly and Company, an independent advisory firm based in Meadow Vista, CA. He holds Series 63 and Series 65 designations and has 27 years of industry experience, including 17 years leading his own firm. The firm provides investment advisory and portfolio management services primarily to individual clients, retirement plans, foundations, and select institutional clients. It employs an asset allocation approach grounded in Modern Portfolio Theory, implementing SEI Asset Allocation Model portfolios on a predominantly non-discretionary basis.

Cheryl Morhauser is a CFP® professional with 7 years of industry experience, operating her independent advisory firm, Cheryl Morhauser & Associates, since 1998. The firm is based in Grass Valley, CA, and serves a diverse client base including individuals, couples, small businesses, pension and profit-sharing plans, trusts, estates, and charitable organizations. Cheryl Morhauser & Associates is a fee-only independent advisory firm managing approximately $22.9 million for about 25 clients. The firm follows a primarily non-discretionary model, offering comprehensive financial planning and investment management with individualized account handling and a buy-and-hold investment approach focused on diversified asset-class allocations.

Mark Stempel is a CFP® professional with 15 years of industry experience, serving clients through Encore Wealth Advisors, LLC since 2001. He is based in Nevada City, CA. Outside of his advisory role, he manages passive real estate investments as the manager of two LLCs focused on multi-unit residential properties. Encore Wealth Advisors provides financial planning, investment advisory, and tax return preparation services to individuals, business entities, trusts, estates, and charitable organizations. The firm emphasizes long-term, fundamentally driven portfolio management and offers a range of planning services, including access to a client portal for consolidated reporting.

Gary Henson is a financial advisor with Northbrook Financial Group, LLC in Auburn, CA, holding a Series 66 designation and with 26 years of industry experience. He has been with Northbrook Financial Group since 1999 and is also involved in real estate management through several entities. Northbrook Financial Group provides portfolio construction and ongoing investment management for individuals, high-net-worth clients, and trusts, utilizing a range of investment vehicles. The firm offers tax preparation and accounting services through its principal under separate agreements, combining investment management with in-house tax capabilities.

Daniel Apple is a CFP® with 41 years of industry experience, currently serving at Apple & Associates since 2001. He previously worked at Foothill Securities, Inc. and has been involved with Asset Marketing Systems Insurance Services, LLC since 2002 as an insurance sales agent. Apple & Associates provides investment advisory and financial planning services to individuals, trusts, and pension plans, managing approximately $138.1 million in discretionary assets. The firm employs an active investment approach combining fundamental and technical analysis and serves both non-high-net-worth and high-net-worth clients.

Frederick Fisher is a Certified Financial Planner® with 27 years of experience in the financial services industry. He has worked at Ostrofe Financial Consultants Inc since 1998 and has also been affiliated with LPL Financial, LLC since 2017 and National Planning Corporation from 2000 to 2017. Fisher serves as a co-trustee for the Fisher-Lourie Trust. Ostrofe Financial Consultants, Inc. provides comprehensive financial planning, consulting, and discretionary investment management to a diverse client base, including individuals, pension plans, trusts, and charitable institutions. The firm emphasizes a long-term investment approach focused on asset allocation and absolute return, managing approximately $386 million in client assets.