Brian Sly is the principal of Brian Sly and Company, an independent advisory firm based in Meadow Vista, CA. He holds Series 63 and Series 65 designations and has 27 years of industry experience, including 17 years leading his own firm. The firm provides investment advisory and portfolio management services primarily to individual clients, retirement plans, foundations, and select institutional clients. It employs an asset allocation approach grounded in Modern Portfolio Theory, implementing SEI Asset Allocation Model portfolios on a predominantly non-discretionary basis.

Cheryl Morhauser is a CFP® professional with 7 years of industry experience, operating her independent advisory firm, Cheryl Morhauser & Associates, since 1998. The firm is based in Grass Valley, CA, and serves a diverse client base including individuals, couples, small businesses, pension and profit-sharing plans, trusts, estates, and charitable organizations. Cheryl Morhauser & Associates is a fee-only independent advisory firm managing approximately $22.9 million for about 25 clients. The firm follows a primarily non-discretionary model, offering comprehensive financial planning and investment management with individualized account handling and a buy-and-hold investment approach focused on diversified asset-class allocations.

Mark Stempel is a CFP® professional with 15 years of industry experience, serving clients through Encore Wealth Advisors, LLC since 2001. He is based in Nevada City, CA. Outside of his advisory role, he manages passive real estate investments as the manager of two LLCs focused on multi-unit residential properties. Encore Wealth Advisors provides financial planning, investment advisory, and tax return preparation services to individuals, business entities, trusts, estates, and charitable organizations. The firm emphasizes long-term, fundamentally driven portfolio management and offers a range of planning services, including access to a client portal for consolidated reporting.

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.

Daniel Apple is a CFP® with 41 years of industry experience, currently serving at Apple & Associates since 2001. He previously worked at Foothill Securities, Inc. and has been involved with Asset Marketing Systems Insurance Services, LLC since 2002 as an insurance sales agent. Apple & Associates provides investment advisory and financial planning services to individuals, trusts, and pension plans, managing approximately $138.1 million in discretionary assets. The firm employs an active investment approach combining fundamental and technical analysis and serves both non-high-net-worth and high-net-worth clients.

Frederick Fisher is a Certified Financial Planner® with 27 years of experience in the financial services industry. He has worked at Ostrofe Financial Consultants Inc since 1998 and has also been affiliated with LPL Financial, LLC since 2017 and National Planning Corporation from 2000 to 2017. Fisher serves as a co-trustee for the Fisher-Lourie Trust. Ostrofe Financial Consultants, Inc. provides comprehensive financial planning, consulting, and discretionary investment management to a diverse client base, including individuals, pension plans, trusts, and charitable institutions. The firm emphasizes a long-term investment approach focused on asset allocation and absolute return, managing approximately $386 million in client assets.

Aileen Danley is a CFP® and holds a Series 65 license with 11 years of experience in financial advising. She has worked at Oak Street Advisory Group since 2018 and previously was with Warren Street Wealth Advisors and ZEIDERS Enterprises. Oak Street Advisory Group provides personalized financial planning, consulting, and portfolio management services to individual and high net worth clients. The firm applies fundamental analysis and Modern Portfolio Theory principles, managing portfolios primarily through mutual funds and ETFs with an emphasis on portfolio construction and asset allocation.

Joseph Tomkiewicz is a CFP® professional with 26 years of experience in financial advising. He has been with Sierra Financial Advisory since 2004. Tomkiewicz holds Series 63 and Series 65 licenses and is also an agent with fixed annuity companies. Sierra Financial Advisory serves individual and family clients, including high-net-worth households, as well as small business retirement plans, trusts, estates, and charitable organizations. The firm employs a long-term, allocation-driven investment approach using mutual funds, ETFs, and selective individual securities, managing most assets on a discretionary basis across defined risk profiles.

Matthew Osypowski is a CFP® with four years of industry experience, currently serving as an advisor at Kroeger Financial Partners. His prior roles include positions at Sierra Starlight Insurance Services and ownership of Golden Era Lounge. Kroeger Financial Partners serves individual and high-net-worth clients, trusts, and small businesses, providing discretionary asset management, financial planning, and in-house tax preparation services. The firm emphasizes tailored investment programs based on fundamental analysis and maintains quarterly portfolio reviews.

Seth Leishman is a CFP® with 17 years of industry experience and is affiliated with Ostrofe Financial Consultants Inc in Grass Valley, CA. He previously worked at LPL Financial from 2017 to the present and at National Planning Corporation from 2016 to 2017. Outside of his advisory role, Leishman is a CPA and provides tax planning and preparation services, and he serves as a board member for the Nevada City School District. Ostrofe Financial Consultants offers financial planning, consulting, and discretionary investment management for individuals, institutions, and businesses. The firm emphasizes asset allocation with diversified portfolios managed on a discretionary basis and integrates financial planning into ongoing advisory services.

Liam Apple is a financial advisor with Apple & Associates, holding a Series 65 license and three years of industry experience. Prior to joining Apple & Associates in 2022, he worked at Santa Barbara City College, Hometown Hydroponics, Sierra College, and Nevada Union High School. He is also licensed as an insurance sales agent with Asset Marketing Systems Insurance Services, LLC. Apple & Associates provides investment advisory and financial planning services to individuals, trusts, and pension plans, serving both non-high-net-worth and high-net-worth clients. The firm employs an active-versus-passive investment approach, combining fundamental and technical analysis, and manages approximately $138.1 million in discretionary assets.

Meghan Coolbaugh is a CFP® professional with 10 years of industry experience, currently serving at Oak Street Advisory Group, LLC since 2016. Prior to that, she worked at Duttenhofer Advisory Group and operated Forza Pilates for 14 years. Oak Street Advisory Group provides personalized financial planning, consulting, and portfolio management services to individual and high net worth clients. The firm integrates fundamental analysis with Modern Portfolio Theory, managing portfolios primarily through mutual funds and ETFs, and emphasizes portfolio construction and asset allocation as key drivers of long-term outcomes.

Michael Tomkiewicz is a CFP® with six years of industry experience and currently serves as an advisor at Sierra Financial Advisory in Nevada City, CA. Prior to his financial advisory career, he spent ten years in full-time education and briefly worked with the Nevada Union School District. He is also a licensed insurance agent for life and health insurance products. Sierra Financial Advisory primarily serves individual and family clients, including high-net-worth households, as well as small business retirement plans, trusts, estates, and charitable organizations. The firm employs a long-term, allocation-driven investment approach with discretionary portfolio management tailored to five model risk profiles.

Nathan Leishman is a CFA® charterholder and holds the Series 66 designation. He has seven years of industry experience, currently serving as a financial advisor with Ostrofe Financial Consultants, Inc. since 2017 and also with LPL Financial since 2018. Prior to this, he worked at Westwood Global Investments, LLC from 2010 to 2017. Ostrofe Financial Consultants, Inc. provides comprehensive financial planning, consulting, and discretionary investment management to individuals, pension and profit-sharing plans, trusts, estates, charitable institutions, and businesses. The firm emphasizes asset allocation with diversified portfolios and incorporates financial planning as part of ongoing advisory services.

Orion Kroeger is a CFP® professional with 11 years of industry experience. He has been with Kroeger Financial Partners since 2015 and previously worked at Kroeger Financial from 2004 to 2022. Kroeger Financial Partners serves individual and high-net-worth clients, as well as trusts and small businesses, providing discretionary asset management, financial planning, and in-house tax preparation services. The firm uses documented investment policy statements and fundamental analysis to tailor portfolios, which are reviewed quarterly or as needed.

Forrest Blair is a financial advisor with American Investors Company in Auburn, CA, holding a Series 63 designation and 30 years of industry experience. He has been with American Investors Company since 1997. American Investors Company provides investment advisory, financial planning, 401(k) advisory, and asset supervisory services to a diverse client base including individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm operates with a multi-advisor structure that combines advisory and brokerage activities and manages approximately $578 million in client assets.

Zachary Weirich is a CFP® professional with 10 years of experience in the financial services industry. He is currently with Fermata Advisors and has held roles at Sonoma Wealth Advisors, Cetera, Walnut Creek Wealth Management, and Edward Jones. In addition to his advisory work, he holds an insurance license and operates as an insurance agent. Fermata Advisors provides investment management, financial planning, and retirement-plan consulting primarily to individuals, small businesses, and plan fiduciaries. The firm offers both discretionary and non-discretionary services using a range of analytical approaches and maintains ownership interests in affiliated tax and accounting entities while serving a diverse client base including state and municipal government clients.

Sarah Soria is a Certified Financial Planner (CFP®) with 10 years of industry experience, currently affiliated with Prosperity Capital Advisors. Her prior experience includes eight years at Horace Mann Investors and associated entities. Outside of her advisory role, she conducts financial literacy seminars with the American Financial Education Alliance and serves on the board of the Gold Country Stampede La Crosse club. She also created Women's Wealth Collective, a platform for seminars targeting women investors. Prosperity Capital Advisors provides financial planning, consulting, and discretionary investment management to a diverse client base, including individual investors, businesses, and charitable organizations. The firm employs a model-driven, multi-sleeved investment approach using core risk-based portfolios, specialized strategies, and access to alternative solutions.

Garson Graham is a financial advisor at Edward Jones with three years of industry experience. Prior to joining Edward Jones, he worked in the construction industry for eight years. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment solutions through a large network of advisors and branch offices.

Lucas Mijares is a CFP® professional with 11 years of industry experience, currently affiliated with LPL Financial. He previously worked at Edward Jones for nine years and is involved with Mariner Independent Advisor Network, LLC, where he provides investment advisory services. LPL Financial serves a diverse client base including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of advisory and brokerage services supported by an in-house research team and a large network of investment adviser representatives.