Niko Isaiah Gutierrez

Peter Mu is a CFP® with 15 years of industry experience, currently serving as the sole advisor at Wealth Cairn, LLC. His prior experience includes roles at Park Avenue Securities and Guardian Life Insurance Company. He is also licensed to sell insurance products as part of his professional activities. Wealth Cairn provides advisory services to institutional and individual clients, specializing in portfolio management, pension consulting, and financial planning. The firm employs a long-term investment approach grounded in modern portfolio theory and often implements strategies through third-party managers with ongoing due diligence.

Michael Garber is a CFP® with eight years of industry experience and the principal of Michael Garber Financial Planning, an independent advisory firm. He has worked at Keysight Technologies, Inc. since 2014 in an internal organizational consultant role focused on sales skills development. Michael Garber Financial Planning serves individuals and families through a fee-only, independent model offering comprehensive financial planning, investment consulting, tax preparation, estate-plan review, risk management, and small-business planning. The firm emphasizes a long-term, cost-minimizing investment approach using passive vehicles and operates on a retainer- and project-based fee structure without discretionary trading authority or acceptance of commissions.

Alex Baier is a CFP® with 10 years of experience in financial advising. He has worked at Northwestern Mutual Wealth Management Company and Foresters Financial Services before joining RLS Private Wealth Consulting, Inc. in 2025. Baier holds Series 63 and Series 65 licenses. RLS Private Wealth Consulting provides family office and comprehensive planning services to families, business owners, and high-net-worth clients. The firm offers investment consulting and holistic wealth-planning advice, emphasizing operational and governance functions beyond typical planning services.

Rhonda Staelgraeve Secor is a CFP® with 14 years of industry experience, currently serving at RLS Private Wealth Consulting, Inc. since 2016. She holds Series 63 and Series 65 licenses and is an advisory board member of Monterey County Bank. RLS Private Wealth Consulting provides family office and comprehensive planning services to families, business owners, and high-net-worth clients. The firm offers investment consulting and holistic wealth-planning advice, emphasizing operational and governance functions alongside portfolio analysis and coordination with third-party investment managers.

William Hastie Jr. is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He previously worked at LPL Financial, LLC for 24 years and has operated Hastie Financial Group since 2012. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm offers a range of advisory programs and services, including model portfolios and personalized investment options, while providing operational, compliance, and practice-management support to affiliated advisors.

Ryan Hastie is a financial advisor with Hastie Financial Group in Salinas, CA, holding a Series 66 designation and four years of industry experience. Prior to his current role, he worked at Commonwealth Financial Network beginning in 2023 and has a background in physical therapy and academia. Hastie Financial Group provides personalized financial planning and consulting services to individuals, trusts, estates, charitable organizations, and corporations, focusing on long-term, asset-allocation-oriented recommendations without managing portfolios or executing trades directly.