Scott Fredrick Berner

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.

Walter Romatowski is a CFP® certificant with 18 years of industry experience and is the sole advisor at Castellan Financial Advisors in Newcastle, CA. He has worked at Castellan Wealth Management, Inc. since 2007. Castellan Financial Advisors provides fee-only financial planning and investment services to individuals, trusts, estates, charitable organizations, and businesses. The firm employs a core-and-satellite investment approach with non-discretionary asset management, using mutual funds and ETFs combined with fundamental and technical analysis.

Marshall Goins is a financial advisor at Clarion Advisors Inc. with 13 years of industry experience. He holds Series 63 and Series 66 designations and has been with Clarion Advisors since 2012. He is also the owner and managing member of Mason Morgan Investments, LLC. Clarion Advisors Inc. provides discretionary portfolio management to individuals and high-net-worth clients, managing approximately $110.9 million across 882 accounts. The firm emphasizes long-term trading informed by multiple methods of analysis and maintains an unusually high client-to-advisor ratio.

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.

Douglas Lutkus is the sole advisor at Xitright, an independent registered investment adviser based in Lincoln, CA. He holds Series 63 and Series 66 licenses and has 22 years of industry experience, including prior roles at White Hat, LLC and his own businesses operating since 2009 and 2010. Lutkus is also a licensed insurance agent specializing in life, health, and annuities. Xitright primarily serves individual investors, business owners, and select pension/employee benefit plans, offering portfolio management, retirement and business exit planning, and alternative investment consulting focused on real estate. The firm emphasizes personalized advice, non-discretionary account management, and combines traditional securities with due-diligence-based real estate investment options.