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.

Walter Romatowski is a CFP® certificant with 18 years of industry experience and is the sole advisor at Castellan Financial Advisors in Newcastle, CA. He has worked at Castellan Wealth Management, Inc. since 2007. Castellan Financial Advisors provides fee-only financial planning and investment services to individuals, trusts, estates, charitable organizations, and businesses. The firm employs a core-and-satellite investment approach with non-discretionary asset management, using mutual funds and ETFs combined with fundamental and technical analysis.

Marshall Goins is a financial advisor at Clarion Advisors Inc. with 13 years of industry experience. He holds Series 63 and Series 66 designations and has been with Clarion Advisors since 2012. He is also the owner and managing member of Mason Morgan Investments, LLC. Clarion Advisors Inc. provides discretionary portfolio management to individuals and high-net-worth clients, managing approximately $110.9 million across 882 accounts. The firm emphasizes long-term trading informed by multiple methods of analysis and maintains an unusually high client-to-advisor ratio.

Keith Hentschel is the principal of Hentch Solutions in Auburn, CA, holding Series 63 and Series 65 licenses with 39 years of industry experience. His career includes roles at IFC, Cetera Advisor Networks LLC, and Purpose Driven Financial Services, along with operating Hentch, Inc. since 2006. In addition to advising, he is involved in public speaking coaching through Hentch, Inc. and acts as an independent representative selling fixed life, health, LTC, and annuities. Hentch Solutions provides investment advice and financial planning primarily by serving as a co-advisor and liaison to third-party platforms and managers, assisting clients with onboarding, paperwork, and monitoring outside managers. The firm operates on a non-discretionary basis and generally recommends model portfolios and third-party managers for individuals, couples, families, and small businesses.

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.

Douglas Lutkus is the sole advisor at Xitright, an independent registered investment adviser based in Lincoln, CA. He holds Series 63 and Series 66 licenses and has 21 years of industry experience. His prior work includes five years at White Hat, LLC, and he has operated Xitright and Lutkus Insurance Services since 2010 and 2009, respectively. Lutkus is also a licensed independent insurance agent specializing in life, health, and annuities. Xitright primarily serves individual investors, business owners, and a limited number of pension and employee benefit plans. The firm offers portfolio management, retirement and business exit planning, and alternative investment consulting with a focus on real estate vehicles, managing client accounts on a non-discretionary basis and using a mix of traditional securities and due-diligence-based alternative investments.

David Hammer is the sole advisor at Hammer Asset Management, LLC in Auburn, CA, holding a Series 65 credential with 14 years of industry experience. He has led Hammer Asset Management since 1999. Outside of his advisory role, Mr. Hammer is involved in a retail business specializing in kitchen cooking supplies and tea ware, where he handles bookkeeping and online order fulfillment. Hammer Asset Management provides discretionary portfolio management for individual and institutional clients, employing proprietary quantitative models to guide asset allocation and security selection. The firm integrates liability-focused bond immunization with probability-driven strategies, managing approximately $26.6 million in assets under a single portfolio manager.

Brian Breckenridge is the sole advisor at Innovative Financial Advisors, LLC in Lincoln, CA, holding Series 63 and Series 65 licenses with 11 years of industry experience. He has operated Breckenridge Tax & Financial Services since 2016, providing tax preparation and insurance services alongside his advisory work. Innovative Financial Advisors offers personalized financial planning and consulting primarily to individuals, high-net-worth clients, and small businesses. The firm does not manage client assets directly but refers clients to third-party money managers, supporting them through planning, referrals, and periodic reviews.

David Ettl is the principal of David Ettl Financial, an independent firm based in Lincoln, CA. He holds a Series 63 designation and has 28 years of industry experience. He has led his sole-proprietor firm since 2011, providing non-discretionary portfolio management and consulting services. David Ettl Financial serves individuals, high-net-worth clients, trusts, estates, corporations, and occasionally institutional clients such as pension and profit-sharing plans. The firm employs a fundamentals-based approach, constructing customized portfolios primarily using low-cost mutual funds and ETFs, and provides only non-discretionary advice while clients maintain custody of their assets.

Mark Cuniberti is a financial advisor at Vantage Financial Group with 10 years of industry experience. He holds a Series 65 designation and has worked at Hudson Financial Services, Cambridge Investment Research Advisors, and as an independent insurance agent. Outside of financial advising, he owns a water pump supply business and hosts an economic radio talk show. Vantage Financial Group provides discretionary asset management, financial planning, and retirement-plan advisory services to individuals, corporations, and business entities. The firm tailors portfolio management to clients’ goals and risk tolerance, using fundamental and technical analysis, and offers educational public seminars and workshops.

Jess Hudson is a Series 65 licensed financial advisor at Vantage Financial Group in Auburn, CA, with eight years of industry experience. She previously worked at Cambridge Investment Research Advisors, Inc. and MKB Financial Services before joining Vantage Financial Group, where she has been since 2020. Vantage Financial Group provides discretionary asset management, financial planning, and retirement-plan advisory services to individuals, including high-net-worth clients, as well as corporations and business entities. The firm emphasizes tailored portfolio management based on clients’ goals, time horizons, and risk tolerance, and offers educational seminars and workshops in addition to its advisory services.

Timothy Steele is a financial advisor at Vantage Financial Group with five years of industry experience. He holds a Series 65 designation and previously worked at HBW Advisory Services LLC. Outside of finance, he serves as an Associate Professionals Pastor at The Pointe Church, where he preaches, leads a small group, and assists with leadership decisions. Vantage Financial Group provides discretionary asset management, financial planning, and retirement-plan advisory services to individuals, corporations, and business entities. The firm tailors portfolio management to clients’ goals and risk tolerance, using fundamental and technical analysis, and offers educational seminars and workshops at no charge.

Nicholas Destefano is a financial advisor at Trendscast Financial LLC with 24 years of industry experience. He holds Series 63 and Series 65 designations and has worked at several firms, including Forward Financial and D'Arcy Wealth Management. He is also an owner and insurance agent at Forward Financial, where he dedicates a portion of his time. Trendscast Financial provides investment advisory and financial planning services to individuals, charitable organizations, and pension/profit-sharing plans. The firm customizes portfolios based on clients’ investment policy statements and uses a combination of charting, fundamental, and technical analysis across various strategies, including discretionary and non-discretionary ERISA advice.

Karsten Dornseif is a CFP® and holds a Series 65 license with 17 years of industry experience. He has been with Bowers Wealth Management, Inc. since 2009. Bowers Wealth Management provides discretionary investment management and portfolio advisory services to individuals, trusts, estates, charitable organizations, and corporations. The firm manages approximately $298 million in discretionary assets and focuses on personalized portfolio strategies emphasizing long-term growth and a constrained investment universe limited to Fidelity mutual funds and ETFs.

Natalie Litchfield is a financial advisor at IFC with 13 years of industry experience. She holds Series 65 and Series 66 licenses and previously worked at Edward Jones from 2012 to 2017. In addition to her advisory role, she is a self-employed insurance agent providing life insurance and fixed/indexed annuity advice and sales. IFC offers investment advisory and financial planning services to individuals, trusts, pension and retirement plans, and businesses, managing approximately $110 million in client assets. The firm uses a team-based approach and constructs portfolios primarily with mutual funds and ETFs, providing both discretionary and non-discretionary account options.

Evan Naves is a Series 65-licensed financial advisor at IFC with one year of industry experience. Prior to joining IFC, he worked at Umpqua Bank and held various roles in education and hospitality. IFC provides investment advisory and financial planning services to individuals, trusts, pension and retirement plans, and businesses. The firm manages approximately $110 million in client assets with a team of seven advisors, offering written financial plans, consultations, and ongoing investment management using mutual funds, ETFs, and independent sub-advisors.

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.

Garrett Konrad is a financial advisor at IFC with a Series 65 designation and nine years of industry experience. He has been involved with IFC and Insurance Marketing, Inc. since 2009. Outside of his advisory work, Konrad serves as president of Konrad Auto Group, an auto sales business, and is the chief financial officer of Upper Hand, Inc., a charitable organization. IFC provides investment advisory and financial planning services to individuals, trusts, pension and retirement plans, and businesses, managing approximately $110 million in client assets with a team of seven advisors. The firm offers written financial plans, one-on-one consultations, and ongoing investment management using mutual funds, ETFs, and independent sub-advisors.

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.

Diana Atha is a financial advisor at WaterRock Wealth Management with eight years of industry experience. She holds the ChFC® and Series 63 designations and has worked at Prien Asset Management since 2023. In addition to her advisory role, she has been an independent insurance broker since 1984, specializing in life, disability, and long-term care insurance, as well as fixed and fixed equity index annuities. WaterRock Wealth Management serves individual and high-net-worth clients by providing discretionary investment management alongside financial and basic estate planning services. The firm constructs customized, primarily long-term portfolios using low-cost mutual funds and ETFs, continuously monitors accounts, and typically manages them on a discretionary basis with tax-aware strategies.