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 the principal of Michael Garber Financial Planning in Gilroy, CA, holding the CFP® designation and Series 65 license with nine years of industry experience. He has worked at Keysight Technologies, Inc. and its predecessor companies since 1984 in various roles, currently serving as an internal organizational consultant for sales skills development. Michael Garber Financial Planning provides independent, fee-only financial planning and investment consulting services to individuals and families, emphasizing long-term, cost-minimizing strategies that primarily utilize passive investment vehicles. The firm operates under a retainer- and project-based fee model without discretionary trading authority or custody of client assets.

Alex Baier is a CFP® with 11 years of experience in financial advising, currently with RLS Private Wealth Consulting, Inc. Prior to joining RLS Private Wealth, he worked at Northwestern Mutual Wealth Management Company and Foresters Financial Services. RLS Private Wealth Consulting serves high-net-worth individuals and businesses by providing family office executive and comprehensive wealth-planning services. The firm offers non-discretionary investment consulting, estate-planning coordination, and specialized family office operations, focusing on administrative oversight and project-based billing rather than traditional asset-based fees.

Tonia Ryan is a financial advisor at AFS Investments with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Franklin Templeton and Waddell & Reed. Outside of her advisory role, she serves as a notary public in Sacramento, CA. AFS Investments provides advisory and planning services to individuals, retirement plan sponsors, trusts, and business entities, managing approximately $56 million across about 140 client relationships. The firm employs both bottom-up stock selection and top-down asset allocation strategies, offering clients discretionary, non-discretionary, or self-directed engagement options.

Rhonda Staelgraeve Secor is a CFP® with 14 years of industry experience, currently serving as an advisor at RLS Private Wealth Consulting, Inc. She previously worked at Wells Fargo Investments, LLC and Wells Fargo Clearing. She is also an advisory board member at Monterey County Bank. RLS Private Wealth Consulting provides wealth-planning and family office executive services to high-net-worth individuals and businesses. The firm offers non-discretionary investment consulting, comprehensive financial planning, and administrative support, including estate-planning coordination and client onboarding to a digital family office platform.

William Hastie Jr. is a financial advisor with Hastie Financial Group in Salinas, CA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has previously worked at LPL Financial and Commonwealth Financial Network. Hastie Financial Group offers personalized financial planning and consulting services to individuals, trusts, estates, charitable organizations, and corporations, focusing on long-term, asset-allocation–oriented recommendations without providing trade execution or discretionary management. The firm’s planning engagements conclude with written financial plans or analyses, and clients may implement recommendations through associated persons or elsewhere.