I am an independent 'Fee-Only' financial planner and advisor. I am a fiduciary focused on giving objective, holistic, and comprehensive financial advice. I also work with individuals helping to navigate whatever stage of life you are in, from building wealth all the way to preserving what you’ve already worked hard to build. My background is in finance and financial planning. After receiving my Bachelor of Science degree from Sacramento State's Financial Planning program, I continued to advance my financial planning and advisory experience and knowledge by obtaining various credentials, including the CERTIFIED FINANCIAL PLANNER® marks, also known as the CFP® marks. This noteworthy designation is generally considered to be the 'Gold Standard' in financial planning. With my prior firm, I was responsible for creating many of the most complex financial plans. Additionally, I was on the firm's Investment Committee, playing a role in the direction of the various portfolio allocations and recommendations that were used for clients. I also provide outsourced financial planning services for other advisors through Foundation Financial Planning. In doing this work, I continue to improve and hone my planning skills by gaining valuable insight into how financial plans are done with a firm that specializes in doing plans for all sorts of advisors. I currently reside in Rocklin CA, with my wife and young growing family. In my free time, I enjoy spending time with my family, exploring the outdoors, BBQing, and tinkering with things around the house.

Elizabeth Daffner is a financial advisor with Ameritas Advisory Services, LLC, holding a Series 66 designation and 17 years of industry experience. She has worked at Ameritas Advisory Services since 2021 and has held roles with related Ameritas entities as well as Capstone Financial Group and Diligence Wealth Management, LLC. Outside of her advisory work, she is a member of the National Reined Cow Horse Association. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to individual investors, retirement plans, charitable organizations, and corporate clients through a network of Investment Adviser Representatives. The firm offers a variety of managed account programs and fee-based management of variable annuity and universal life subaccounts, with portfolio support from its Investment Committee and third-party partners.

Ryan Demartini is the sole advisor at JC Financial Services, an independent firm based in Loomis, CA. He holds Series 63 and Series 65 licenses and has 10 years of industry experience. In addition to his advisory role, Demartini provides bookkeeping and tax preparation services through his separate business, JC Bookkeeping. JC Financial Services serves individual investors and small businesses with financial planning, investment management, and retirement plan services. The firm focuses on passive portfolio construction using index mutual funds and ETFs, incorporates third-party managers when appropriate, and offers ongoing planning with periodic reviews. Its affiliation with an in-house bookkeeping and tax practice supports integrated client services and employer retirement plan education.

Blake Fischer is a financial advisor with Fiduciary Wealth Partners in Citrus Heights, CA. He holds a Series 65 designation and has six years of experience with Fiduciary Wealth Partners. Outside of his advisory role, he works as a financial program manager at Pacific Gas & Electric, providing financial analysis to Electric Operations leaders. Fiduciary Wealth Partners offers customized investment management and financial planning services to individuals, high-net-worth clients, trusts, estates, small businesses, charitable organizations, and pension/profit-sharing plans. The firm employs an asset-allocation driven investment process informed by macroeconomic analysis and valuation, with an emphasis on cost-effectiveness and ongoing portfolio monitoring.

Kwadwo Osei is a CFA® charterholder and the sole principal of Atwima Wealth Management LLC, with one year of experience in the financial industry. He previously worked at Integrity Growth Partners as Vice President of Finance and Chief Compliance Officer, and has held roles at CIM Group and Citizens Financial Group. Osei maintains a full-time finance and compliance position at Integrity Growth Partners, a private equity firm. Atwima Wealth Management LLC provides asset management and financial planning services to individuals and small business owners, offering a range of investments including stocks, bonds, mutual funds, ETFs, REITs, and cryptocurrency. The firm employs both fundamental and technical analysis and manages accounts on a non-discretionary basis, incorporating various investment strategies and alternative investments.

Tristan Payne is a financial advisor at Sow and Reap Financial LLC with one year of industry experience. He holds a Series 65 designation and previously worked at Finisar Corp for nine years. Sow and Reap Financial LLC provides advisory services to individual clients, including both non‑high‑net‑worth and high‑net‑worth individuals, through discretionary investment management and project‑based financial planning. The firm emphasizes asset-allocation strategies using no‑load mutual funds and ETFs, with a focus on passive management, long-term equity holdings, and tax-aware portfolio rebalancing.

James Schroeder is the sole advisor at Covered Edge Asset Management, LLC in Roseville, CA, holding Series 63 and Series 65 designations with 15 years of industry experience. He has been with Covered Edge Asset Management since its founding in 2011. Covered Edge Asset Management provides discretionary portfolio management to individuals, high-net-worth clients, and business owners, creating personalized Investment Policy Statements based on clients’ goals, income, tax situations, and risk tolerance. The firm integrates charting, fundamental and technical analysis, and employs a range of strategies including long-term investing, active trading, options writing, and short sales, with performance-based fee arrangements available for qualified investors.

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.

Matthew Curtis is a financial advisor with Alpha Retirement Wealth, LLC in Gold River, CA, holding a Series 65 designation and 12 years of industry experience. He has worked with Alpha Retirement Wealth since 2015 and also serves as an area manager for Asurea Insurance Services, where he sells life insurance and annuities. Alpha Retirement Wealth, LLC provides discretionary portfolio management and financial planning primarily for individual clients, including high-net-worth individuals and business entities. The firm utilizes a risk-parity framework and Modern Portfolio Theory in its investment approach, primarily implementing strategies through exchange-traded funds and model portfolios.

Tiffani Sharp is the principal of T. Sharp Wealth Management and holds a Series 65 credential with two years of industry experience. She previously worked as an attorney for over 17 years and currently operates T. Sharp Legacy & Wealth Counsel, where she provides estate planning, probate, business formation, and real estate investment legal services. T. Sharp Wealth Management, LLC offers fee-only financial planning and investment consulting to individuals and families, focusing on long-term, globally diversified passive investment strategies utilizing low-cost ETFs and index funds. The firm emphasizes financial planning services such as cash-flow analysis and goals prioritization, delivering advice primarily through fixed-fee or hourly arrangements.

Kimberly Tucker Knotts is the principal advisor at Kim Knotts, RIA with 27 years of industry experience. She holds Series 63 and Series 65 designations and previously worked at SCF Investment Advisors, Inc. and SCF Securities, Inc. Outside of investment advising, she owns and operates a real estate and mortgage lending business as well as a tax preparation and consulting service, and is also licensed as an insurance agent. Kim Knotts, RIA provides investment management, comprehensive financial planning, and retirement plan consulting to individuals, high-net-worth clients, and employer plan sponsors. The firm employs individualized, non-discretionary asset-allocation strategies and integrates related services in real estate, tax, and insurance under separate agreements.

Daniel McCurdy is a financial advisor at McCurdy Financial Solutions with 12 years of industry experience. He holds the CFP®, CFA®, ChFC®, and Series 66 designations. Prior to founding his firm, he worked at Strategic Wealth Advisors Group, LLC and LPL Financial, LLC. Outside of advising, he performs tax return data entry work for a law office. McCurdy Financial Solutions provides investment management and financial planning services to individuals, high-net-worth clients, and nonprofit organizations. The firm employs a tailored, discretionary portfolio management approach using fundamental and technical analysis alongside modern portfolio theory, and offers both ongoing and project-based planning engagements.

James Braziel is a CFP® professional with 33 years of industry experience, currently serving at Independent Financial Group, LLC since 2022. His prior experience includes roles at Braziel & Associates LLC and NPB Financial Group, LLC. He is also involved in insurance as a sole proprietor outside of his advisory work. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser offering brokerage, portfolio management, financial planning, and retirement plan services to individuals, charities, corporations, and plan sponsors. The firm supports a national network of Investment Adviser Representatives and provides access to multiple advisory programs through its AccessPoint platform and third-party asset managers.

Marcos Lira is a financial advisor with 15 years of industry experience and holds the CFP® designation along with Series 63 and Series 65 licenses. He is the principal of 360 Dividends, an independent investment advisory firm, and has prior experience at PlexTrac, TrustedSite Security, and WhiteHat Security. Outside of his advisory role, he owns and operates an independent insurance agency and a tax and accounting service. 360 Dividends serves individuals, high-net-worth clients, charitable organizations, and small businesses with portfolio management, financial planning, real estate investment analysis, and insurance reviews. The firm combines passive and active investment approaches and integrates tax preparation and planning through its affiliated accounting business.

Dustyn Contreras is a financial advisor at San Francisco Asset Solutions with a Series 65 credential and no prior industry experience. His work history includes roles at Petro 49, Western Governors University, and American Hartford Gold. San Francisco Asset Solutions serves individual investors and high-net-worth clients, offering financial planning, non-discretionary portfolio management, and financial education seminars. The firm focuses on fundamental analysis and strategic asset allocation to build globally diversified portfolios and places a notable emphasis on educational workshops.

Richard Mac Farlane is a Series 65 licensed advisor at Legacy Wealth, Inc. with experience in estate planning law, serving as president and owner of California Probate and Trust, PC since 2013. He also operates as an independent insurance agent and has provided financial advisory services through his sole proprietorship since 2023. Legacy Wealth, Inc. offers portfolio management services to individual and high-net-worth clients, focusing on investment policy development, asset allocation, and portfolio monitoring. The firm employs a mix of fundamental, quantitative, and technical analysis, utilizing a range of investment vehicles including mutual funds, equities, fixed income, ETFs, insurance products, and occasionally private placements and venture capital funds.

Charles Ho is a CFP® with 18 years of industry experience, currently serving as the sole advisor at Legacy Builders Financial, LLC. His prior experience includes roles at Origin Financial, Charles Schwab, and Morgan Stanley. Outside of advising, he is the owner and CEO of two real estate investment corporations. Legacy Builders Financial, LLC is an independent advisory firm serving individual and high-net-worth clients. The firm offers tailored investment management and comprehensive financial planning, utilizing a combination of passive portfolio construction and various analytical techniques, and maintains a co-advisory arrangement with an independent outside manager.

Cliff Leiker is the principal of CJL Quantum Analytics, an independent advisory firm based in Fair Oaks, CA. He holds Series 63 and Series 65 licenses and has nine years of industry experience. In addition to his advisory role, he serves as a fraternal agent for the Catholic Order of Foresters, focusing on life insurance sales. CJL Quantum Analytics primarily serves small business owners seeking retirement-plan investment guidance and individual bank investors, offering non-discretionary, customized advice on stocks, ETFs, and mutual funds. The firm provides pay-as-you-go online products including bank-specific research, educational webinars, and an economic newsletter, with an investment approach that combines fundamental dividend analysis and technical indicators tailored to each client’s risk tolerance and time horizon.

Kenneth Golden is a CFA® charterholder with 9 years of industry experience and has been with Sierra Financial Management Co. since 1983. He operates as the sole advisor at the independent firm based in Citrus Heights, CA. Sierra Financial Management Co. provides investment management to individuals, foundations, and trusts through separately managed accounts. The firm combines weekly top-down macroeconomic analysis with bottom-up security selection to construct equity, balanced, and fixed-income portfolios, employing a concentrated, individualized management approach.

William Corley is a CFP® with 19 years of industry experience and has been the principal at Corley Investment Management since 2012. His prior experience includes roles at Cambridge Investment Research Advisors, Stonehurst Securities, Pim Financial Services, and OSAIC. He is also an independent insurance agent for various companies. Corley Investment Management is an independent registered investment adviser serving high-net-worth individuals by providing financial planning, retirement consulting, and introductions to third-party asset managers. The firm focuses on client goals, risk tolerance, and asset allocation while offering educational seminars and ongoing supervision of selected managers.