Sam Valtenbergs

David Mathias, CFP®, RICP®, MSBA, is a CERTIFIED FINANCIAL PLANNER™ and Retirement Income Certified Professional® based in Cloverdale, CA. With over a decade of experience in banking and finance, he specializes in retirement planning, retirement income strategies, and tax-efficient investing for clients across the country, with deep roots serving families throughout Sonoma and Mendocino Counties and the broader North Bay Area. David's background in philosophy shapes how he approaches every financial conversation: with patience, careful listening and a commitment to getting to the real question. He holds a BA from Lindenwood University (2013, Magna Cum Laude), where he served as Student Body President and competed on the National Championship shooting team. He also holds an MS in Business Administration specializing in Financial and Tax Planning from San Diego State University, where he graduated top of his program in 2022. David lives just over an hour north of San Francisco in Northern California's wine country with his wife, Claudia, and their three sons, Benjamin, Levi, and Noah. When he's not with clients, you'll find him enjoying Sonoma's vineyards and Mendocino's rugged coastline and redwoods with his family. Who I Work With I work with individuals and families at every stage of the retirement journey — from those beginning to plan in their 50s and 60s, to those already retired and focused on making their money last. Most of my clients are navigating questions like: When should I retire, and will I have enough? How do I turn savings into reliable monthly income? When is the best time to claim Social Security? How do I reduce what I'm paying in taxes in retirement? What happens to my finances if something happens to me? Areas of Focus Retirement Income Planning Social Security Timing & Optimization Tax-Efficient Withdrawal Strategies Investment Management Retirement Transition Planning

Robert Gemmer is a CFP®-certified financial advisor with 48 years of industry experience. He operates as a sole proprietor under Gemmer, Robert Arden and has been self-employed since 1979. His career includes long-term affiliation with American Investors Company since 2004. Gemmer is also licensed to sell life, health, and disability insurance. His firm provides financial planning and portfolio management primarily to individual clients, as well as trusts, employer-sponsored retirement plans, and self-employed business retirement accounts. Investment recommendations are tailored to client objectives and risk profiles, using diversified asset allocation and discretionary management, with periodic reviews.

Thomas Drake is the sole advisor at Integritas Semper, LLC, an independent registered investment adviser based in Windsor, CA. He holds Series 63 and Series 66 designations and has 27 years of industry experience. Prior to founding Integritas Semper in 2010, he was associated with Grove Point Investments, LLC. Drake is also an insurance agent, marketing investment-related insurance products. Integritas Semper provides portfolio management and investment supervisory services to individuals, high-net-worth clients, trusts, estates, corporations, and municipal entities. The firm employs a combination of charting, fundamental and technical analysis, and uses derivatives within separately managed accounts to implement its trading strategies.

James Hague is a financial advisor at Janian Investment Advisers, LLC in Santa Rosa, CA, holding a Series 65 designation with 14 years of industry experience. He has been with Janian Investment Advisers since 2012. Janian Investment Advisers provides discretionary portfolio management and financial planning primarily for individual investors and related entities. The firm utilizes bottom-up fundamental analysis and a portfolio-level risk framework, employing a range of strategies including third-party fund selection, bond-benchmarked allocations, and both hedged and unhedged equity security selection, with some portfolios incorporating derivatives and short positions.

Raymond Gadbois is a CFP® with 20 years of experience in financial advising, currently serving as the sole advisor at Index Financial Advisors LLC since 2006. He also operates a consulting business providing accounting and administrative services to a family office and related entities. Index Financial Advisors LLC offers investment management, financial planning, and project-based consulting for individuals, families, trusts, and estates. The firm employs a long-term, passive investment strategy focused on asset allocation and low-cost, diversified index funds and ETFs, managing approximately $126 million across about 140 accounts.

Melissa Imhaus is the sole advisor at Imhaus Investment Advisors, an independent firm based in Windsor, CA. She holds a Series 66 designation and has 20 years of industry experience, including 19 years leading her current firm. Imhaus Investment Advisors provides discretionary portfolio management and advisory services to individuals, high-net-worth clients, and business entities. The firm develops client-specific Investment Policy Statements and employs a combination of fundamental, cyclical, and momentum analysis alongside an asset-allocation model to guide investment decisions.