Kevin Andrew Harback

Fred Rudd is a financial advisor with Financial Strategies, an independent firm based in Nevada City, CA. He holds eight years of industry experience and has been with Financial Strategies since 1988. Financial Strategies is a sole-proprietorship advisory firm serving individuals, retirement and profit-sharing plans, IRAs, trusts, and estates. The firm focuses on mutual fund–based portfolio management, along with advice on individual stocks, bonds, and other fixed income securities, employing both fundamental and technical analysis to tailor strategies to clients’ risk tolerances.

Brian Sly is the principal advisor at Brian Sly and Company with 28 years of industry experience. He holds Series 63 and Series 65 designations and has led his independent firm since 2009. Brian Sly and Company provides investment advisory and portfolio management services primarily to individual clients, retirement plans, foundations, and certain institutional clients. The firm emphasizes asset allocation based on Modern Portfolio Theory, implementing SEI Asset Allocation Model Portfolios on a largely non-discretionary basis, with regular performance reviews and client communication.

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 42 years of industry experience and has been with Apple & Associates since 2001. He has prior experience at Foothill Securities, Inc. and maintains a role as an insurance sales agent with Asset Marketing Systems Insurance Services, LLC. Apple & Associates offers discretionary investment management and on-demand financial planning to individuals, trusts, pension plans, and small businesses, employing a blend of active and passive investment strategies tailored to client objectives.