Richard Patrick is a financial advisor at Sowell Management with 22 years of industry experience. He holds the Series 66 designation and has worked at Sowell Management since 2020, following a prior role at Naples Asset Management Company, LLC. Sowell Management is a fee-based registered investment adviser serving individuals, retirement plans, corporations, registered investment advisers, and institutions. The firm offers investment management, financial planning, retirement-plan advisory, and related consulting services through a multi-branch independent-contractor model with over 100 advisors.

Farid Nadjibi is the principal of Farid Consulting and holds Series 63 and Series 65 licenses with two years of industry experience. Prior to his financial advisory career, he has been involved with Burlwood Gallery since 2006, engaging in jewelry, collectibles, decor, and building contracting. Farid Consulting is a sole-proprietorship investment advisory firm that offers discretionary and non-discretionary portfolio management, financial planning, and retirement/employee benefit account services to individuals, high-net-worth clients, and small businesses. The firm employs a tailored, goals-based investment approach across a wide range of asset classes, including equities, fixed income, options, private funds, real estate investments, and digital assets.

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.

Lydia Idem is a financial advisor with FM Capital Group in Oakland, CA, holding a Series 65 designation and 11 years of industry experience. FM Capital Group provides investment advisory and consulting services to individuals, groups, corporations, and other business entities, offering portfolio management and handling due diligence and negotiation of private investment term sheets. The firm follows a strategic allocation approach across public securities and alternative investments and distinguishes itself by charging performance-based fees on private placements and producing educational content such as workshops and radio broadcasts.

Cassandra Cummings is a financial advisor with RC Wealth Management in Oakland, CA, holding Series 63 and Series 65 credentials and 19 years of industry experience. She has led RC Wealth Management since 2015. In addition to her advisory role, she provides financial literacy services through online courses and in-person events. RC Wealth Management serves individuals, high-net-worth clients, small businesses, and certain nonprofit organizations with financial planning, investment consulting, and portfolio management. The firm emphasizes fundamental analysis, downside risk mitigation, and capital preservation, offering primarily nondiscretionary portfolio management alongside educational seminars and business consultation services.

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.

Douglas Varn II is the sole advisor at Varn Financial Planning in El Cerrito, CA. He holds a Series 65 credential and previously worked in technology roles at Google, Fitbit, Pandora Music, and DocuSign. His advisory experience began in 2025 with Varn Financial Planning. Varn Financial Planning offers advice-only, project-based financial life planning and portfolio strategy services to individuals and high-net-worth households. The firm focuses on data-driven financial modeling and scenario analysis to provide one-time comprehensive plans and prioritized recommendations without ongoing account management.

Catherine Curtis is a CFP® professional with 13 years of experience in financial planning. She is the sole advisor at Curtis Financial Planning, an independent firm she has led since 2013 in Oakland, CA. Curtis Financial Planning provides fee-only financial planning and investment management to individuals, families, and small-business owners, with a focus on the financial planning needs of women. The firm employs a strategic asset allocation process using diversified portfolios and operates as a fiduciary, offering educational seminars and maintaining a business continuity agreement with another fee-only advisory firm.

Dennis Noss is a financial advisor at Cayman Capital Management, Inc. with 12 years of industry experience. He holds Series 63, 65, and 66 licenses and has a background that includes roles in real estate, tax planning as an IRS Enrolled Agent, insurance sales, and commodity trading advisory. Noss currently operates as a Realtor and provides tax representation and strategic tax planning services. Cayman Capital Management, Inc. offers investment management and financial planning services primarily to individuals, families, trusts, and closely held businesses. The firm employs a selective client model and focuses on asset allocation and broad diversification using ETFs, mutual funds, equities, and bonds, managing portfolios on a non-discretionary basis with client approval required for trades.

Janet Campbell is a CFP®-certified financial advisor with 13 years of industry experience. She has been the sole advisor at Abunda Financial, LLC since 2001. Janet holds Series 63 and Series 65 licenses. Abunda Financial, LLC is a private, fee-only advisory firm serving individuals, families, trusts, endowments, qualified retirement plan sponsors, and business entities. The firm focuses on long-term investment strategies with an emphasis on independent security analysis and tax-efficient portfolio management, primarily overseeing assets on a non-discretionary basis.

Alicia Ivancovich is a CFP® professional with 27 years of industry experience. She has led Financially Healthy, LLC since 2011, an independent advisory firm based in Oakland, CA. Outside of her advisory role, she volunteers with Advisers Give Back, providing free personal financial advice by phone. Financially Healthy, LLC serves individual and high-net-worth clients with discretionary portfolio management and comprehensive financial planning, combining passive and active investment strategies with quarterly account reviews.

Craig Slayen is a financial advisor at Winship Wealth Partners with 23 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Cypress Partners, LLC from 2016 to 2018. He has been associated with Winship Park Asset Management, LLC since 2003. Winship Wealth Partners provides personalized financial planning and discretionary investment management to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm employs a portfolio construction approach based on academic research, emphasizing small-cap and value exposures, global diversification, and a core-and-satellite strategy using both passive and active funds.

Robert Horowitz is a CFA® charterholder and holds a Series 65 license with 22 years of industry experience. He has operated Robert V. Horowitz, LLC since 2003 and is the sole advisor at Robert Horowitz Wealth Management in Mill Valley, CA. Robert Horowitz Wealth Management provides fee-only discretionary investment management and financial planning services to individuals, families, and trusts, focusing on busy professionals and retired couples. The firm emphasizes an efficient-markets, strategic asset allocation approach using primarily passively managed mutual funds and global diversification, with portfolios tailored to client-specific equity and bond targets.

Adam Sharma is a financial advisor at Sharma Everyday Finance in Oakland, CA. He holds a Series 65 designation and has prior experience in health-care management and consulting, including roles at Central California Alliance for Health and San Francisco Health Plan totaling over a decade. Sharma Everyday Finance provides hourly financial planning, investment consulting, and portfolio management services for individuals and families, serving both non-high-net-worth and high-net-worth clients without account minimums. The firm’s investment approach is based on Modern Portfolio Theory, emphasizing low-cost, diversified allocations and tax-aware planning, with additional offerings that include financial education and group workshops.

Kathryn Song is a CFP® with 14 years of industry experience and holds a Series 63 license. She is the founder of Katy Song Financial Planning, Inc., a fee-only financial planning firm based in Mill Valley, CA, and has previously worked at Domain Money Advisors, LLC and SoFi Wealth LLC. Katy Song Financial Planning serves individuals and families by providing comprehensive financial planning and investment consultation without discretionary portfolio management. The firm employs fundamental analysis and Modern Portfolio Theory, typically recommending low-cost index funds and ETFs, and operates on a fixed-fee and hourly billing model rather than charging based on assets under management.

Karl Hoagland is the principal of Longview Investment Management and holds the CFA® designation along with a Series 63 license. He has six years of industry experience and has been with Longview Investment Management since 2019. Outside of advising, he is the publisher and owner of UltraRunning Magazine. Longview Investment Management is an independent, sole-owner advisory firm serving individual and high-net-worth clients. The firm uses fundamental analysis to build concentrated, long-term equity portfolios and emphasizes dividend growth, tax-aware loss harvesting, and monthly account reviews.

David Mcinnis is the sole advisor at Madden Creek Advisors, an independent firm based in San Rafael, CA. He holds Series 63 and Series 65 licenses and has 15 years of industry experience. Mcinnis has led Madden Creek Advisors since 2015. Madden Creek Advisors provides discretionary investment management and integrated financial planning to high-net-worth individuals, trusts, corporations, charitable institutions, foundations, endowments, and pension or profit-sharing plans. The firm employs a long-term, asset-allocation-centered approach grounded in Modern Portfolio Theory and tailors Investment Policy Statements to clients’ specific risk tolerances, liquidity needs, tax circumstances, and time horizons.

I launched Focused Finances, a sole proprietorship, in 1994 and transitioned to Focused Finances, LLC, in 2004. My objective then and now is to help individuals and couples with their financial planning and investment needs. My advice and insight have been featured in the San Francisco Chronicle, the Oakland Tribune, the Huffington Post, Real Simple, and the Wall Street Journal, among others. I am a member of the National Association of Personal Financial Advisors (NAPFA), which is the premiere professional association for fee-only financial planners, and the XY Planning Network (helping advisors serve the other 99% effectively). I am a Certified Financial Planner™ and hold an MBA in Finance from California State University, Hayward (now CSU East Bay). I am also a well-trained and avid musician (my undergraduate degree is in music, and I pursued graduate work as well). I specialize in choral singing and an unusual Baroque instrument – the viola da gamba. I perform with the San Francisco Bay Area Chamber Choir, California Bach Society, participate in numerous vocal and instrumental music workshops, and informal musical gatherings. For me, music is an important touchstone; it’s one of the ways I keep my life in balance.

Frederick Borden is a CFP®-certified financial advisor with 29 years of industry experience. He is the principal at On Keel Capital in Mill Valley, CA, and has previously worked with firms including Equius Partners, LLC. Outside of his advisory role, he raises capital for private and public companies as a registered representative with Sutter Securities Inc. On Keel Capital provides fee-only financial planning, wealth planning, and investment advisory services to individuals, families, trusts, and charitable organizations. The firm employs an evidence-based investment approach focused on strategic asset allocation, diversification, and tax awareness, with an emphasis on non-discretionary management and work with charitable entities.

Andrew Ryan is a financial advisor with Global Retirement Partners LLC, holding a Series 65 designation and bringing 27 years of industry experience. His career includes roles at Heffernan Investment Advisors, Inc. and AWR Investment Management, LLC. Ryan is also employed with an additional investment advisory firm. Global Retirement Partners serves a diverse client base, including individuals, high-net-worth investors, businesses, charitable organizations, and retirement plan sponsors. The firm offers retirement plan consulting, financial planning, and asset management through a distributed network of advisors, with a focus on both discretionary and non-discretionary investment services.