Michael D Penfield

Tanner Woolley is a CFP® professional with experience spanning several firms including PricewaterhouseCoopers and Hall CPA PLLC. He currently serves at Practice First Investment Advisors LLC, where he has worked since 2026. His background includes roles in both financial planning and accounting. Practice First Investment Advisors LLC provides portfolio management and financial planning services to individuals and high-net-worth clients, employing fundamental analysis and modern portfolio theory within a long-term investment approach tailored to client-specific factors such as risk tolerance and tax considerations.

Michael Hansen is the sole advisor at True Purpose Advisors, LLC in Ashland, Oregon, with 13 years of industry experience. He holds a Series 66 designation and previously worked at Retirement Asset Managers, Inc. from 2017 to 2018. In addition to his advisory role, Hansen operates a business consulting firm, ProfitMax Professionals, LLC, where he serves as Managing Member. True Purpose Advisors serves individuals, high-net-worth clients, business owners, and various business entities by offering cashflow management coaching, insurance and protection analysis, and asset allocation advice. The firm utilizes a client questionnaire to assign accounts to model portfolios managed through a co-advisory relationship with Matson Money, which handles trading and portfolio management.

Stephen Gerritz is the sole advisor at Gerritz Wealth Management, Inc. in Central Point, Oregon. He holds Series 63 and Series 65 licenses and has 16 years of industry experience. He has been with Gerritz Wealth Management since 1999. Gerritz Wealth Management offers active portfolio management and advisory services to individuals, high-net-worth clients, and profit-sharing plans. The firm employs a tactical asset allocation strategy that combines fundamental and technical analysis with proprietary timing tools to manage discretionary assets.

Richard Schultz is the sole advisor at Schultz and Associates Inc. in Ashland, OR, with 22 years of industry experience. He has been with Schultz and Associates since 1981. Outside of his advisory work, he owns and operates Kitchen Creek Vineyards. Schultz and Associates provides discretionary portfolio management primarily for individual clients and a small number of pension or profit-sharing plans, focusing on liquid asset management. The firm employs a research-based, top-down approach emphasizing exchange-traded funds, closed-end funds, and short-term Treasury instruments, while maintaining detailed operational controls and customized account management.

Cassandra Dexter is a CFP® professional with 12 years at Nagel & Padilla, LLC and five years of industry experience. She has worked exclusively with the firm since 2014 in Ashland, OR. Nagel & Padilla, LLC provides accounting, tax, payroll, bookkeeping, and business consulting services alongside financial planning and investment advisory for individuals, trusts, estates, charitable organizations, and small businesses. The firm emphasizes written financial plans and client communication while not acting as custodian of assets or engaging in discretionary trading.

Keegan Denn is a CFP® and Series 65-licensed advisor with 16 years of industry experience. He has been with Fidelis IM since 2012 and worked previously at Cutler Investment Group from 2010 to 2012. Fidelis IM provides discretionary investment management, financial planning, and retirement plan services to individuals, trusts, estates, endowments, institutions, and employer-sponsored plans. The firm employs a passive, strategic asset-allocation approach focused on low-cost ETFs and index mutual funds to create globally diversified portfolios.