Todd Matthew Luce Montgomery

Michael Hansen is the sole advisor at True Purpose Advisors, LLC in Ashland, Oregon, with 13 years of industry experience. He holds a Series 66 designation and previously worked at Retirement Asset Managers, Inc. from 2017 to 2018. In addition to his advisory role, Hansen operates a business consulting firm, ProfitMax Professionals, LLC, where he serves as Managing Member. True Purpose Advisors serves individuals, high-net-worth clients, business owners, and various business entities by offering cashflow management coaching, insurance and protection analysis, and asset allocation advice. The firm utilizes a client questionnaire to assign accounts to model portfolios managed through a co-advisory relationship with Matson Money, which handles trading and portfolio management.

Richard Schultz is the sole advisor at Schultz and Associates Inc. in Ashland, OR, with 22 years of industry experience. He has been with Schultz and Associates since 1981. Outside of his advisory work, he owns and operates Kitchen Creek Vineyards. Schultz and Associates provides discretionary portfolio management primarily for individual clients and a small number of pension or profit-sharing plans, focusing on liquid asset management. The firm employs a research-based, top-down approach emphasizing exchange-traded funds, closed-end funds, and short-term Treasury instruments, while maintaining detailed operational controls and customized account management.

Cassandra Dexter is a CFP® professional with 12 years at Nagel & Padilla, LLC and five years of industry experience. She has worked exclusively with the firm since 2014 in Ashland, OR. Nagel & Padilla, LLC provides accounting, tax, payroll, bookkeeping, and business consulting services alongside financial planning and investment advisory for individuals, trusts, estates, charitable organizations, and small businesses. The firm emphasizes written financial plans and client communication while not acting as custodian of assets or engaging in discretionary trading.

Keegan Denn is a CFP® and holds a Series 65 license with 15 years of industry experience. He has been with Fidelis IM, LLC since 2012. The firm provides discretionary investment management, financial planning, and retirement plan services to individuals, trusts, estates, endowments, institutions, and plan sponsors. Fidelis IM employs a passive, strategic asset allocation approach using low-cost ETFs and index mutual funds to build globally diversified portfolios and manages over $240 million in discretionary assets across more than 200 client relationships.

Chad Smith is a CFP® professional with 29 years of experience in financial advising. He is currently with Retirement Planning Specialists, Inc. and previously worked at Sagepoint Financial, Inc. Smith assists with training support staff within the Academy of Preferred Financial Advisors, a coaching program for financial planners and their teams. Retirement Planning Specialists provides investment advisory services to individuals, retirement plans, estates, trusts, and business entities, managing approximately $323.6 million in discretionary assets for about 525 clients. The firm employs a long-term, buy-and-hold investment approach with diversified portfolios and conducts regular account reviews, serving a notably high client-to-advisor ratio.

Christopher Patterson is a financial advisor at Retirement Planning Specialists, Inc. with 19 years of industry experience. He holds a Series 66 designation and has worked at S & P Financial, Inc. dba Financial Planning Specialists since 2019, following ten years at Sagepoint Financial, Inc. and Retirement Planning Specialist. Outside of advising, he serves as president of Patterson Consulting LLC and is a 50% owner of Patterscott LLC, a company developing a multi-use building. Retirement Planning Specialists provides investment advisory services to individuals, retirement plans, estates, trusts, and business entities. The firm manages approximately $323.6 million in discretionary assets for about 525 clients, using a primarily long-term, buy-and-hold investment approach with diversified portfolios held at Charles Schwab.