Tiffany Howland

Michael Mills is the principal advisor at Mills Financial Group, an independent firm based in Yuba City, CA. He holds a Series 65 designation and has three years of industry experience. Before founding Mills Financial Group in 2022, Mills worked at Jackson Hewitt and in healthcare administration roles at Adventist Health West and Fremont Rideout Health Group. His firm offers accounting, tax preparation, financial management, and investment advising services. Mills Financial Group provides investment advisory and financial planning services to individuals, charitable organizations, and small businesses. The firm uses a primarily passive, low-cost investment approach with diversified portfolios of index mutual funds and ETFs, combined with in-house accounting and seasonal tax services, educational seminars, and a recurring paid newsletter available to clients.

Darel Baer is a CFA® charterholder with 32 years of industry experience. He is the principal of Baer Investment Advisory LLC in Yuba City, CA, where he has worked since 2007. Baer Investment Advisory LLC provides discretionary portfolio management to individuals, high-net-worth clients, trusts, and corporations, creating customized Investment Policy Statements and implementing tailored model portfolios. The firm employs a blend of fundamental, technical, cyclical, and quantitative analysis, utilizing both long- and short-term trading strategies along with options and margin, and manages approximately $126.7 million in discretionary assets.

Devon Hunter is a financial advisor at Earned Wealth Advisors, LLC with a Series 65 designation and one year of industry experience. Prior to joining Earned Wealth Advisors, he worked at Focus Partners Wealth, LLC and Hoyle Cohen LLC. His background also includes roles outside of finance at Paul Durham Electric and James Cook Languages SRO. Earned Wealth Advisors serves individuals, high-net-worth clients, trusts, and employer-sponsored retirement plans, with a particular focus on doctors, dentists, and their practices. The firm offers financial planning, discretionary wealth management, and retirement-plan advisory services, combining independent investment managers and model portfolios with a buy-and-hold investment approach supported by financial planning techniques.

Christopher Hacker is a financial advisor with RMR Wealth Builders, Inc., holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. Prior to joining RMR Wealth Builders in 2022, he worked at Calton & Associates, Inc. and Titan Retirement Advisors LLC. Outside of his advisory role, he owns Conquer-U, LLC, a business and life coaching firm focused on mentoring individuals on business-life balance. RMR Wealth Builders is a multi-team SEC-registered investment advisory firm managing approximately $2.2 billion in client assets, primarily serving individual and high-net-worth clients. The firm offers portfolio management, financial planning, retirement plan consulting, annuity services, and digital-asset management, organizing client relationships around registered investment adviser representatives who implement model-based strategies with periodic reviews and rebalancing.

Johnny Ceballos is a CFP®-certified financial advisor with 18 years of industry experience. He has worked at Golden State Wealth Management, LLC since 2016 and previously spent five years with Edward Jones. Outside of his advisory role, he serves as an assistant varsity softball coach at Gridley High School. Golden State Wealth Management serves individuals, trusts, retirement plans, and business entities with discretionary asset management, financial planning, and retirement plan consulting. The firm employs a variety of analytical approaches and offers tailored advice based on client objectives and risk tolerance.

Michael Critchfield is a CFP® professional with 20 years of experience in financial advising. He has worked at Woodbury Financial Services, Inc. for 13 years, followed by roles at Commonwealth Financial Network and Core Financial Group. He is currently retired. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and comprehensive back-office support, including operations, trading, technology, investment management, compliance, and practice-management services.