Robert Hillberg is the principal of Hillberg Capital Management, LLC in Turlock, California, and holds the PFS™ designation. He has 21 years of experience in financial advising and has operated his investment advisory firm since 2004. In addition, he has been a partner at Hillberg & Co, CPAs since 1980, providing tax, accounting, and general business services outside of investment advising. Hillberg Capital Management is a fee-only registered investment adviser serving individuals, trusts, retirement plans, and businesses. The firm focuses on strategic asset allocation and diversification, primarily using mutual funds and ETFs, and integrates its investment management with the affiliated CPA practice for coordinated tax and financial planning.

Nicole Seghetti is a CFP® professional with 16 years of industry experience. She is the sole advisor at Luminary Financial Planning in Modesto, CA, and has operated Seghhetti Holdings LLC since 2012, providing financial planning content for online publications. Luminary Financial Planning offers investment advisory and financial planning services to individuals, high-net-worth clients, pension and profit-sharing plans, and business entities. The firm manages client accounts on a strictly non-discretionary basis and employs a long-term investment approach using fundamental analysis and modern portfolio theory.

John Costa is a financial advisor at Influx Capital Management with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has a background that includes roles at Re/Max Del Oro, Influx Insurance Services, and Principal Life Insurance Company. Outside of advisory services, he is involved in the sale and service of group medical and non-medical benefits. Influx Capital Management serves individuals, trusts, IRAs, and corporate clients by managing portfolios of stocks, bonds, ETFs, and other public investments on a non-discretionary basis. The firm employs a value-oriented investment approach combining fundamental and technical analysis with quantitative screening, focusing on underpriced securities with multi-year catalysts and maintaining low portfolio turnover for tax efficiency.

Kevin Berger is the sole advisor at Berger Asset Management, Inc. in Turlock, CA, holding a Series 63 credential with 14 years of industry experience. Prior to founding his firm, he worked at Berger & Company, CPAs for 18 years. Outside of his advisory role, he serves as president and director of several non-investment related companies, including Colonize Media, Inc., a digital media distribution firm, as well as employee benefit administration and consulting companies. Berger Asset Management provides discretionary portfolio management and advisory services to individuals, corporations, pension and profit-sharing plans, and estates and trusts. The firm employs a fundamental, value-oriented investment approach focused on large- and mid-cap securities, tailoring portfolios to client objectives and incorporating various instruments such as equities, debt, mutual funds, ETFs, options, and limited futures.

Matthew Lewis is a financial advisor at TechView Wealth Advisors LLC with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, and Enter Capital Group, Inc. He has been with TechView Wealth Advisors since 2017. TechView Wealth Advisors serves technology entrepreneurs, private business owners, and cross-border individuals and families investing in the United States. The firm offers financial planning and portfolio management using a combination of active and passive strategies, focusing on individualized planning and services tailored to international clients.

Christopher Dennis is a financial advisor at Arrowhead Wealth Management Corp. in Modesto, CA, with 33 years of industry experience. He holds a Series 63 designation and has been with Arrowhead Wealth Management since 2014. In addition to his advisory role, he is an independent insurance producer for various insurance companies. Arrowhead Wealth Management Corp. provides fee-based investment advisory services to individuals, trusts, estates, charitable organizations, and business entities, managing approximately $30.8 million in client assets. The firm employs a tactical allocation approach using fundamental, technical, and cyclical analysis to tailor non-discretionary portfolios, and it also serves as a solicitor for a third-party managed-account platform.

Rachel Pierini is a financial advisor at Provident Living Financial Services with nine years of industry experience. She holds a Series 65 designation and has been with Provident Living since 2015. Outside of her advisory role, Pierini owns QB Business Solutions, LLC, which provides life and financial advocacy services, notary services, and administrative support. Provident Living Financial Services serves individuals, trusts, estates, nonprofit organizations, and business clients with discretionary portfolio management, financial planning, and group retirement plan investment management. The firm employs a blended advisory and financial wellness model, offering multi-tiered membership plans and concierge services alongside its investment programs.

Glenn Andrade is a financial advisor at AFS Investments with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Mutual Advisors, LLC and Mutual Securities Inc prior to his current role. Outside of advisory work, he is a licensed life insurance agent involved in the sale and servicing of life insurance policies. AFS Investments is a family-owned registered investment adviser serving individuals, trusts, retirement plan sponsors, and business entities. The firm employs both a bottoms-up stock selection process and a top-down asset allocation approach, offering discretionary and non-discretionary portfolio management along with ERISA fiduciary consulting and retirement plan management.

David Wong is a financial advisor at Arrowhead Wealth Management Corp. in Modesto, CA, with 31 years of industry experience. He holds a Series 63 designation and previously worked at Wedbush Securities Inc. from 2009 to 2022. Arrowhead Wealth Management Corp. provides fee-based investment advisory services to individuals, trusts, estates, charitable organizations, and business entities, primarily serving non–high-net-worth clients. The firm employs a tactical allocation approach using fundamental, technical, and cyclical analysis to customize portfolios and offers both discretionary management and non-discretionary assets.

Arthur Askil is a financial advisor at Titan Capital Management with 21 years of industry experience. He holds Series 63 and Series 66 designations and has been with Titan Capital Management since 2005 in its various entities. Titan Capital Management provides discretionary portfolio management and financial planning services to individuals, businesses, pension and profit-sharing plans, and other registered investment advisors. The firm employs a Global Tactical Asset Allocation approach using proprietary quantitative models to adjust asset allocations dynamically across an aggressive-to-conservative risk spectrum.

Christopher Mraz is a financial advisor at Mraz and Associates in Modesto, CA, holding a Series 65 designation with four years of industry experience. His prior work includes roles at Mraz, Amerine & Associates, Inc. and Conterra Wine Co., LLC. Mraz and Associates provides financial planning, consulting, and discretionary investment management to individuals, retirement plans, trusts, estates, charitable organizations, and business entities. The firm employs a disciplined, value-oriented investment approach incorporating fundamental, technical, and cyclical analysis, managing approximately $785 million in discretionary assets.

David Mraz is a financial advisor at Mraz and Associates in Modesto, CA, holding Series 63 and Series 65 licenses with 28 years of industry experience. He has worked at Mraz, Amrine & Associates since 2011. Mraz and Associates provides financial planning, consulting, and discretionary investment management to individuals—including high-net-worth clients—as well as retirement plans, trusts, estates, charitable organizations, and business entities. The firm employs a disciplined, value-oriented investment approach that integrates fundamental, technical, and cyclical analysis across a range of securities and model portfolios, managing approximately $785 million in discretionary assets.

Angela Gomez Guerrero is a Series 65-licensed financial advisor with Mraz and Associates, bringing one year of industry experience. Prior to joining Mraz and Associates, she held various positions including roles at the University of California - Davis and in retail. Mraz and Associates is a six-advisor team that provides financial planning, consulting, and discretionary investment management to individuals, retirement plans, trusts, estates, charitable organizations, and business entities. The firm employs a disciplined, value-oriented investment approach across a range of securities and model portfolios, managing approximately $785 million in discretionary assets.

Michael Abram is a CFA® charterholder and holds a Series 65 license with 10 years of industry experience. He has been with Integral Investment Advisors, Inc. since 2015 and briefly attended California State University, Stanislaus in 2016. Beginning in December 2024, he will serve as the Treasurer for the City of Turlock, managing the city’s fixed income investment portfolio. Integral Wealth Management provides discretionary investment management, financial planning, and retirement plan consulting to individuals, charitable organizations, and employer-sponsored plans. The firm focuses on asset-allocation-based portfolio construction with a total-return orientation and employs a tactical sector tilt, using a variety of instruments including options and digital-asset strategies.

Mallory Sise is a CFP® and holds a Series 65 designation, currently serving at Integral Wealth Management with three years of industry experience. Prior to joining Integral, she worked at Crosspoint Church and held positions at California State University, Stanislaus, and Thomas Downey High School. Integral Wealth Management provides discretionary investment management, financial planning, and retirement plan consulting to individuals, charitable organizations, and employer-sponsored plans. The firm focuses on asset-allocation-based portfolio construction with a top-down, total-return approach and uses a range of investment instruments, including derivatives and digital-asset strategies.

Brooke Gaither is a CFP® and Series 66-licensed financial advisor with nine years of industry experience. She has worked at Charles Schwab and Charles Schwab Bank SSb before joining LPL Financial and subsequently Integral Wealth Management, where she is currently part of a five-advisor team. Integral Wealth Management provides discretionary investment management, standalone financial planning, and retirement plan consulting to individuals, charitable organizations, and employer-sponsored plans. The firm employs an asset-allocation-based approach with a total-return orientation and tactical sector tilts, utilizing a range of instruments including options and digital-asset strategies, and conducts regular account reviews and client meetings.

Benjamin Johnson is a financial advisor with Mraz and Associates in Modesto, CA, holding a Series 65 designation and 11 years of industry experience. He has been with Mraz, Amerine & Associates, Inc. since 2014. Mraz and Associates serves individuals—including high-net-worth clients—retirement plans, trusts, estates, charitable organizations, and business entities, providing financial planning, consulting, and discretionary investment management. The firm employs a disciplined, value-oriented investment approach that integrates fundamental, technical, and cyclical analysis across diverse asset types and maintains approximately $785 million in discretionary assets under management.

Jodi Karambela is a CFP® professional with 23 years of industry experience, currently serving at Integral Wealth Management since 2008. She holds Series 63 and Series 66 licenses and is based in Turlock, CA. Integral Wealth Management provides discretionary investment management, financial planning, and retirement plan consulting to individuals, charitable organizations, and employer-sponsored plans. The firm emphasizes asset-allocation-based portfolio construction with tactical sector tilts and employs a range of instruments including options and digital-asset strategies.

Deidre Mraz is a financial advisor at Mraz and Associates in Modesto, CA, holding Series 63 and Series 65 licenses with 18 years of industry experience. She has worked with Mraz, Amrine & Associates since 2011 and Concert Wealth Management, Inc. since 2008. Mraz and Associates serves individuals—including high-net-worth clients—as well as retirement plans, trusts, estates, charitable organizations, and business entities. The firm employs a disciplined, value-oriented investment approach that integrates fundamental, technical, and cyclical analysis, managing approximately $785 million in discretionary assets across a range of investment vehicles.

David Epps is a CFP® with 28 years of industry experience. He currently works at Integral Wealth Management and previously spent over two decades at Charles Schwab and Charles Schwab Bank. Integral Wealth Management offers discretionary investment management, financial planning, and retirement plan consulting to individuals, charitable organizations, and employer-sponsored plans. The firm employs an asset-allocation-based approach with a tactical sector tilt and utilizes a variety of investment instruments, including options and digital-asset strategies, while providing regular account reviews and client meetings.