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.

Joshua Natham is a Certified Financial Planner (CFP®) and holds a Series 65 license with six years of industry experience. He has been with Kenneth E. Boone Wealth Management, LLC since 2016, after working at HKG LLP for one year. Natham is also a licensed insurance agent, offering insurance products as part of comprehensive wealth planning when appropriate. Kenneth E. Boone Wealth Management advises individual and high-net-worth clients on wealth planning and portfolio management, utilizing a Modern Portfolio Theory framework. The firm emphasizes customized investment policies, diversified long-term asset-class exposures, and manages the majority of assets on a non-discretionary basis through a third-party administrator.

Kendall Seifert is a financial advisor at Blom & Howell Financial Planning, Inc. in Modesto, CA, holding a Series 65 designation with two years of industry experience. Prior to joining Blom & Howell in 2023, Kendall worked at Grand Canyon University and has concurrent experience at Trader Joe’s since 2018. Blom & Howell Financial Planning serves individuals, trusts, estates, business entities, and retirement plans with comprehensive wealth management, financial planning, and estate-planning assistance. The firm offers customized asset allocation and portfolio management services, including a firm-sponsored wrap fee program, and integrates technology such as artificial intelligence and machine learning in its investment processes.

Thomas Oliveira is a financial advisor with Oliveira Wealth in Modesto, CA. He holds the ChFC® designation and Series 63 and 65 licenses, and has 29 years of industry experience. His prior work includes 15 years at LPL Financial and ongoing affiliation with The Leaders Group Inc. Outside of advising, he is involved in managing real estate and related business activities. Oliveira Wealth serves individuals, trusts, pension and profit-sharing plans, and businesses, offering discretionary asset management, financial planning, retirement plan consulting, and cost segregation services. The firm employs individualized portfolios with a preference for ETFs and fixed income, and distinguishes itself with a broker-dealer affiliation and specialized tax and retirement plan consulting services.

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.

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.

Michael Howell is a CFP® professional with 12 years of industry experience, currently serving at Blom & Howell Financial Planning, Inc. in Modesto, CA. His prior experience includes roles at SCF Securities, Inc. and LPL Financial. Outside of his advisory work, he is active as a church musician, a nonprofit and church consultant on financial education, an officer at Shelter Cove Community Church, and treasurer and secretary of the Lions Baseball Club. Blom & Howell Financial Planning serves individuals, trusts, estates, business entities, and retirement plans by providing comprehensive wealth management, financial planning, retirement plan consulting, and estate-planning assistance. The firm customizes asset allocations across various securities and offers both discretionary and non-discretionary portfolio management through its own wrap fee program.

Christopher Sharp is a financial advisor with Oliveira Wealth in Modesto, CA, holding Series 63 and Series 65 licenses and six years of industry experience. He has worked with Oliveira Wealth since 2019 and has been affiliated with The Leaders Group since 2021. Prior to his financial advisory career, his background includes roles in agriculture services and the restaurant industry. Oliveira Wealth serves individuals, trusts, pension and profit-sharing plans, and businesses, offering discretionary asset management, financial planning, retirement plan consulting, and cost segregation services. The firm uses a range of investment strategies and emphasizes specialized services such as ERISA-aware retirement plan consulting and cost segregation tax analyses.

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.

Christopher Frizzi is a CFP® professional with 31 years of industry experience, currently serving at KCPAG Financial Advisors LLC. He has been affiliated with Kemper Capital Management LLC and related entities since 2009. Outside of his advisory work, he has a minor involvement as an owner of a single-family rental property. KCPAG Financial Advisors LLC offers financial planning, discretionary asset management, and retirement plan consulting to individuals, trusts, business clients, and charitable organizations. The firm employs a combination of fundamental analysis and model portfolios, providing clients with customized investment programs and quarterly account reviews.

David Derby is a CFP®, ChFC®, and Series 63 credentialed financial advisor with 37 years of industry experience. He has been affiliated with American Investors Company for over 35 years and has operated his own insurance and financial services business since 1996. Derby conducts life and disability insurance sales through his independent practice. American Investors Company provides investment advisory, financial planning, and asset supervisory services to individuals and institutional clients. The firm employs a multi-advisor approach that integrates advisory and brokerage activities while maintaining oversight of third-party managers and client accounts.

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.

Alan Crosby is a CFP®-certified financial advisor with 15 years of industry experience. He is currently with Southland Equity Partners, LLC and previously worked at Osaic Wealth, Inc. and FSC Securities. Outside of his advisory role, he is a member of Brave Cycling Company LLC, which designs and sells premium cycling apparel and accessories. Southland Equity Partners advises individuals, pension and profit-sharing plans, and businesses, offering financial planning, direct asset management, and retirement plan consulting. The firm uses a combination of fundamental and technical analysis to create customized, mainly discretionary portfolios.

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.

Gregory Crosby is a CFP® with 40 years of industry experience, currently affiliated with OSAIC since 2023. He previously worked at FSC Securities Corporation for 36 years and was a principal at Crosby, Trevino & Associates, Inc. for 29 years. Crosby is also the owner of Crosby Capital Advisors, LLC, a non-investment related business. OSAIC is a large SEC-registered investment adviser and FINRA member broker-dealer serving a diverse client base that includes individual investors, pension plans, corporations, and charitable organizations. The firm combines risk-tolerance assessments with advanced portfolio optimization tools and offers a broad range of investment products and advisory programs.

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.

Patrick Lettice is a financial advisor with Wedbush Securities Inc. in Modesto, CA, holding a Series 63 designation and over 41 years of industry experience. He has worked at Wedbush Securities since 2013 and concurrently with Vulcan Securities LLC since 2002. Wedbush Securities serves a diverse client base including individual, high-net-worth, foundation, and institutional investors. The firm offers brokerage and SEC-registered investment advisory services, combining capital markets, custody, clearing, and prime services with a range of managed account and commission-based solutions.

Todd Steck is a financial advisor at Verity Asset Management with one year of industry experience. He holds a Series 65 credential and has prior experience with Teacher's Pension and Insurance Services and 1st Light Energy. Outside of advisory work, Steck is involved in solar marketing through Public Solar, LLC, and operates an insurance agency, Steck Insurance Services. Verity Asset Management is an SEC-registered firm providing discretionary portfolio management, model portfolios, retirement-plan advisory, and financial planning to individuals, corporate and institutional clients, and other investment advisers. The firm employs a model-driven investment process with tactical asset allocation across diverse asset classes and offers both internally managed and third-party models.

Eric Anderson is a financial advisor at Verity Asset Management with seven years of industry experience. He holds a Series 65 designation and has worked at Verity since 2018. In addition to his advisory role, he is an insurance agent with Teacher's Pension and Insurance Services, where he has been active since 2008. Verity Asset Management is an SEC-registered investment adviser offering discretionary portfolio management, retirement-plan advisory, and financial planning to individual, corporate, and institutional clients. The firm employs a model-driven investment approach focused on tactical asset allocation across diverse asset classes and provides both internally managed and third-party manager models.