Sean Patrick O'neill

Ramy Hindiyeh is a financial advisor at Finmentum LLC in Elk Grove, California, holding a Series 65 designation. He has prior work experience at Honeydev Inc. and Chevron, spanning over 20 years in total. Finmentum LLC is a fee-only advisory firm that provides comprehensive financial planning and discretionary investment management primarily to individuals and families, using a disciplined, long-term, and diversified approach with an emphasis on strategic asset allocation and tax efficiency.

Danielle Miura is a CFP® and holds a Series 66 license with four years of industry experience. She is the sole advisor at Spark Financials LLC, an independent firm based in Elk Grove, CA. In addition to her advisory role, she owns and operates Spark Tax LLC, providing tax preparation and consulting services. She has also served as an adjunct instructor at Golden Gate University. Spark Financials LLC serves individual clients with tailored financial planning and discretionary investment management, complementing these services with affiliated tax return preparation and consulting. The firm emphasizes a passive investment approach grounded in modern portfolio theory and manages a limited client roster to allow for close adviser involvement.

Malique Micenheimer is a financial advisor at WIN Private Wealth with seven years of industry experience. He holds Series 63 and Series 66 designations and previously worked with Eagle Strategies, Nylife Securities, and New York Life. Micenheimer is also the founder and CFO of the Micenheimer Foundation, a nonprofit organization involved in community philanthropy. WIN Private Wealth is a fee-only registered investment adviser serving individuals, high net-worth clients, charitable organizations, and corporations. The firm focuses on asset allocation using a mix of passive and active strategies within a modern portfolio theory framework and offers integrated financial planning and investment management without account minimums.

Bernard Gwandiku is the sole advisor at Gwan Global Services, Corp., an independent firm based in Elk Grove, CA. He holds a Series 65 credential and has six years of experience in financial advisory. Prior to founding his firm in 2019, he has worked at UCSF Medical Center since 2005. Outside of advisory work, he is involved in real estate sales as an agent with Keller Williams Realty and owns an equipment rental business. Gwan Global Services, Corp. offers portfolio management and financial planning services to individuals, high-net-worth clients, charitable organizations, and business entities. The firm employs a variety of analysis techniques and investment strategies, including fundamental, quantitative, technical, and modern portfolio theory, and provides both discretionary and non-discretionary account management.

Brent Ward is a financial advisor at Award Financial Group with 27 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Cambridge Investment Research Advisors and Foundations Investment Advisors. He serves on the board and finance committee of Elk Grove Adult Community Training. Award Financial Group provides discretionary asset management and financial planning to individuals, high-net-worth clients, trusts, estates, and business entities. The firm customizes investment strategies using fundamental, technical, and charting analysis, offers direct portfolio management, and employs quarterly reviews with portfolio maintenance including tax-loss harvesting.

Albert Locy is the sole advisor at AL Locy Financial Services LLC in Lodi, CA, holding a Series 63 designation with three years of industry experience. He has operated AL Locy Financial Services since 1989. Outside of advising, he provides tax preparation services. AL Locy Financial Services LLC offers discretionary asset and portfolio management to individuals, high-net-worth clients, families, trusts, estates, and charitable institutions. The firm customizes investment strategies based on client goals and allows written investment restrictions without imposing formal account minimums.