Daren Blonski is a financial advisor at Fermata Advisors in Sonoma, CA, holding CFP® and Series 66 credentials with 14 years of industry experience. He has worked at Fermata Advisory, LLC since 2019 and was previously with Enso Wealth Management from 2016 to 2020. 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 combination of behavioral, charting, cyclical, fundamental, and technical analysis to guide portfolio allocations.

James Stein is a financial advisor at Edward Jones in Sonoma, CA, holding the ChFC® designation and Series 66 license with 19 years of industry experience. He has been with Edward Jones since 2006. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients through a nationwide network of over 23,000 advisors. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Most people in their 40s and 50s are doing well financially—but aren’t completely sure they’re on track for retirement. They’ve built careers, accumulated savings, and are making good money… But questions start to surface: Am I saving enough? When can I realistically retire? How do I turn what I’ve built into income later? Am I being tax-efficient? That’s where I come in. I work with professionals in their peak earning years to help them create a clear, realistic path to retirement—one that connects their income, investments, and long-term goals. Together, we focus on: Building a structured retirement plan Aligning investments with real-life goals Creating future income strategies Improving tax efficiency over time Bringing clarity and confidence to big decisions My approach is straightforward and practical. No jargon. No overcomplication. Just a plan that makes sense for your life. If you’re within 10–15 years of retirement and want a clearer picture of where you stand—and what to do next—I’m happy to connect. I am a financial advisor with Mass Mutual Investors Services based in Napa, CA.

WHAT I DO: I help Locum Tenens physicians and advanced practice providers gain clarity about their finances, identify opportunities and pitfalls, and stay on track with a trusted accountability partner. WHY IT MATTERS: Three recurring concerns stand out in my conversations with Active Duty Military and Civilian physicians and advanced practice providers: Skill Atrophy – Concerns about staying clinically sharp and staying competitive due to limited patient volume or exposure to diverse clinical settings. Financial Catch-Up – After years of training, many feel the pressure to fast-track savings and build long-term financial security. Time Flexibility – A deep desire for greater control over one’s schedule to prioritize family, entrepreneurship, or personal goals. These pressures often lead physicians to pursue Locum Tenens work—part-time or full-time—for its higher earning potential and flexible structure. But with that flexibility comes greater financial complexity, making a clear strategy and support system more important than ever. HOW I DO IT: Together, we assess your strengths and gaps across the six pillars of financial planning: Cash Flow Management, Risk Management, Estate Planning, Tax Strategy, Retirement Planning, and Investment Management. Then, we develop action items over 3 months to strengthen your financial foundation. Clients are empowered to self implement recommendations or collaborate with us for efficiency and accountability. NEXT STEPS: Ready to take control of your financial future? Connect with me on LinkedIn or reach out directly at [email protected]—I’d love to learn more about your goals and how I can help. MORE ABOUT ME: I rediscovered my love for running three years ago thanks to one of my sons, starting with local 5Ks around the San Francisco Bay Area. Since then, I’ve become especially fond of the half-marathon distance, with races like the Oakland and San Francisco Half under my belt. Marathon training is next on the horizon, and I’m looking forward to the challenge. I also love exploring new places—favorites so far include Ilocos Sur (Philippines), Tokyo, Seoul, Busan, Barcelona, Lisbon, and London.

John Baughman is a financial advisor with Baughman Financial Group in Novato, CA, holding Series 63 and Series 65 licenses and 33 years of industry experience. He has worked at First Allied Securities, Inc. from 2008 to 2018 and has been with Baughman Wealth Advisors Inc. and Baughman Financial Group since 2008 and 1999, respectively. Baughman Wealth Advisors, operating as Baughman Financial Group, provides portfolio management, financial planning, retirement and estate planning, and consulting services to individuals, families, trusts, foundations, charitable organizations, and various institutional clients. The firm employs a combination of fundamental, modern portfolio theory, technical, and cyclical analysis to create customized portfolios and offers discretionary management, insurance product sales, and educational seminars.

Sean Scruby is a CFP® professional with over two years of experience at Olde World Investments. He has worked in the investment advisory field since 2006 and also owns and operates Olde World Design, a construction company in Napa, CA, where he serves as a licensed general contractor. Olde World Investments is a state-registered, sole-proprietor firm providing financial planning and discretionary portfolio management to individuals, high-net-worth clients, and small businesses. The firm offers customized financial plans and employs a flexible investment approach that includes passive, active, and core-and-satellite strategies tailored to client objectives and risk tolerance.

Patrick Brennan is the sole advisor at Brennan Asset Management in Napa, California, with 13 years of industry experience. He holds the CFA® designation and Series 63 license. His career includes initial work at Brennan Asset Management starting in 2012, a year at HCM Wealth, and then returning to lead his independent firm since 2015. Brennan Asset Management provides discretionary portfolio management services to individuals, high-net-worth clients, corporations, institutions, and charitable organizations. The firm uses a fundamental value investment approach focused on concentrated, long-term portfolios, and also manages private pooled funds alongside individual accounts.

Janet Mlynar is a CFP® with 44 years of industry experience and is the principal of Benefits Plus, LLC in Napa, CA. She has worked in healthcare compliance since 2013 and has been associated with LPL Financial since 2009. Outside of her advisory work, she owns a division production company that films historic properties for commercial and media use. Benefits Plus serves employer plan sponsors, employee benefit plans, professionals, and individuals by providing consulting and financial planning focused on settlement, pension, and health insurance matters. The firm delivers advice through fixed or hourly fee consulting engagements and written plans without managing client assets.

James Busterud is a CFP® professional with 27 years of experience in financial advising. He has been with Jack Point Advisors, LLC since 2017 and previously worked at UBS Financial Services Inc from 2008 to 2017. Jack Point Advisors provides discretionary portfolio management and financial planning services primarily to high-net-worth individuals and institutional clients such as foundations, endowments, pensions, and charitable organizations. The firm focuses on long-only, fundamental analysis to construct disciplined, long-term equity and bond portfolios tailored to clients’ time horizons, tax sensitivity, and risk tolerance.

John Liles is a CFP® professional based in Napa, CA, with 32 years of experience at his own firm, John H. Liles, CFP. He has provided financial planning and investment advisory services since 1994. His firm offers investment advisory and financial planning services to individuals and entities including trusts, pension and profit-sharing plans, estates, and charitable organizations. The investment approach emphasizes strategic asset allocation through a core-and-satellite structure with passively managed index funds and ETFs as the core, complemented by selected individual securities and actively managed funds, with portfolios reviewed at least quarterly.

Stephen Bossio is a financial advisor with Magnum Financial in Sonoma, CA, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has been with Magnum Financial since 2009 and worked previously at SPC from 2006 to 2009. Outside of his advisory role, he serves as a consultant to charter schools in California. Magnum Financial is an independent investment adviser serving individuals and organizational clients including trusts, estates, nonprofits, and retirement plans. The firm offers discretionary portfolio management and various financial planning services, emphasizing asset allocation and diversification tailored to clients' objectives and risk tolerances.

Andrew Fedeli is the principal of Fedeli Financial, LLC, an independent advisory firm based in Novato, California. He holds a Series 65 designation and has three years of industry experience. Outside of his financial advisory role, he owns a consulting business specializing in Salesforce training. Fedeli Financial, LLC provides portfolio management and individualized investment planning for a small, high-net-worth client base. The firm employs a variety of analytical methods and offers tailored recommendations across diverse investment types, including private placements and venture capital, while maintaining a non-discretionary trading approach.

Thomas Porta is the sole advisor at Porta Investment Management in Vallejo, CA. He holds the CFP®, CFA®, and Series 63 designations and has 3 years of industry experience. In addition to advising, Porta is a licensed CPA, estate planner, and real estate broker. Porta Investment Management is an independent wealth management and investment advisory firm serving individuals, trusts, pension plans, corporations, and other business entities. The firm provides financial planning, retirement planning, and discretionary portfolio management, incorporating a core portfolio approach with exchange-traded funds and selective individual stocks, along with diversified holdings across multiple asset classes.

Eva Soares is a CFP® professional with 23 years of experience in financial advising. She is the principal and sole advisor at Soares Financial, Inc., an independent firm she has led since 2002. Prior to founding the firm, she was self-employed in the financial services industry. Soares Financial primarily serves individual clients through discretionary portfolio management, financial planning, and portfolio analysis. The firm manages approximately $19.6 million for about 18 clients, focusing on no-load mutual funds and exchange-traded funds, and also provides portfolio management for institutional clients.

Earl Knecht is the principal and sole advisor at Knecht Capital Management, LLC, an independent investment advisory firm based in Napa, California. He holds the CFP® designation and Series 66 license with 26 years of industry experience. His prior roles include positions at LPL Financial, Napa Valley Wealth Management, Cetera Wealth Services, and Associated Planners Investment Advisory. Knecht also teaches business courses part-time at Pacific Union College. Knecht Capital Management serves individuals, high-net-worth clients, trusts, estates, charitable organizations, corporations, and employer retirement plans with customized portfolio management, financial planning, and retirement consulting. The firm employs a variety of investment strategies including fundamental, technical, quantitative, and sector analyses, and offers distinct services such as retirement plan consulting and corporate-structure evaluations.

Randall Huyser is a financial advisor with Full Compass Investment Advisors in Novato, CA, holding a Series 63 designation and 21 years of industry experience. He has been with Full Compass Investment Advisors since 2012. Full Compass Investment Advisors provides personalized investment management and advisory services to individuals, families, trusts, retirement plans, and charitable organizations, typically through separately managed discretionary accounts. The firm uses a multi-disciplinary investment process combining fundamental research with quantitative and qualitative analysis to construct tailored portfolios across various strategies.

Prabhu Palani is a CFA® charterholder with 12 years of industry experience. He is the sole advisor at Tresses Capital Management, LLC in Napa, CA, where he has worked since 2016. Palani’s prior experience includes roles at Red Span Asset Management and the City of San Jose. Tresses Capital Management offers discretionary and non-discretionary portfolio management to individuals, high-net-worth clients, profit-sharing plans, and pooled investment vehicles. The firm employs a range of investment strategies, including diversified, tax-efficient, and low-cost vehicles as well as individual equities and options, while serving a relatively small client base with approximately $56 million in assets under management.

Eric Schuler is the principal advisor at Schuler Capital Management LLC in Sonoma, CA, holding a Series 65 designation with seven years of industry experience. He founded Schuler Capital Management in 2017 after working at Elevate Industries from 2015 to 2017. Schuler Capital Management LLC provides discretionary portfolio management primarily for high-net-worth and ultra-high-net-worth individuals and family trusts. The firm focuses on U.S. equities alongside a range of other investments and employs a proprietary risk model to guide portfolio allocations, including the systematic use of long-dated derivatives and a published subscription periodical offering market commentary.

Eileen Loustau is a CFP®-certified financial advisor with 15 years of industry experience. She is currently with Arcadian Associates, LLC and has prior experience at firms including Chevron Federal Credit Union and BancWest Investment Services. Loustau also operates under Julie Scates Dba Asti Financial Management. Arcadian Associates provides fee-only financial planning services primarily to individuals and high-net-worth clients. The firm emphasizes hourly planning based on Modern Portfolio Theory, tailoring advice to clients’ time horizons and risk tolerances, and operates as a sole-practitioner adviser without custody of client assets.

Brian Miller is a financial advisor with 5 years of industry experience, currently operating through 245 Investments LLC. He holds a Series 65 designation and has previously worked at Farnam Street Investments LLC and Blue Shield of California. Outside of his advisory work, Miller serves on the board of directors for Alta Mesa Cemetery Association, overseeing operations and finance. 245 Investments LLC provides discretionary asset management primarily through separately managed accounts and offers financial planning services exclusively to those clients. The firm serves individual investors as well as small businesses and institutional clients, employing a disciplined, bottom-up valuation process to manage concentrated, long-only portfolios with a focus on intrinsic value.