Nicholas Joiseph Destefano

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.

Marshall Goins is a financial advisor at Clarion Advisors Inc. in Auburn, CA, with 14 years of industry experience. He holds the Series 63 and Series 66 credentials and has worked at Clarion Advisors since 2012 and previously at Mason Morgan Investments. Clarion Advisors Inc. provides discretionary portfolio management primarily to individuals and high-net-worth clients, tailoring investment strategies based on documented risk tolerance and client goals. The firm uses a combination of charting, cyclical, fundamental, quantitative, and technical analysis with a focus on long-term trading across a limited range of securities.

Keith Hentschel is the sole advisor at Hentch Solutions in Auburn, California, holding Series 63 and Series 65 licenses with 40 years of industry experience. His prior roles include positions at Cetera Advisor Networks LLC and Purpose Driven Financial Services. Outside of investment advisory, he is involved in teaching public speaking skills through Hentch, Inc. and works as an independent representative selling fixed life, health, LTC, and fixed/indexed annuities. Hentch Solutions provides investment advisory services primarily by recommending and facilitating client access to third-party advisory platforms and managed-account programs. The firm operates mainly as a co-advisor or liaison, assisting with paperwork, delivery of regulatory disclosures, and monitoring third-party manager performance, rather than managing client portfolios directly.

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.

David Hammer is the sole advisor at Hammer Asset Management, LLC in Auburn, CA, holding a Series 65 credential with 14 years of industry experience. He has led Hammer Asset Management since 1999. Outside of his advisory role, Mr. Hammer is involved in a retail business specializing in kitchen cooking supplies and tea ware, where he handles bookkeeping and online order fulfillment. Hammer Asset Management provides discretionary portfolio management for individual and institutional clients, employing proprietary quantitative models to guide asset allocation and security selection. The firm integrates liability-focused bond immunization with probability-driven strategies, managing approximately $26.6 million in assets under a single portfolio manager.

Mark Cuniberti is a financial advisor at Vantage Financial Group with 10 years of industry experience. He holds a Series 65 designation and has worked at Hudson Financial Services, Cambridge Investment Research Advisors, and as an independent insurance agent. Outside of financial advising, he owns a water pump supply business and hosts an economic radio talk show. Vantage Financial Group provides discretionary asset management, financial planning, and retirement-plan advisory services to individuals, corporations, and business entities. The firm tailors portfolio management to clients’ goals and risk tolerance, using fundamental and technical analysis, and offers educational public seminars and workshops.