Fred Rudd is a financial advisor with Financial Strategies, an independent firm based in Nevada City, CA. He holds eight years of industry experience and has been with Financial Strategies since 1988. Financial Strategies is a sole-proprietorship advisory firm serving individuals, retirement and profit-sharing plans, IRAs, trusts, and estates. The firm focuses on mutual fund–based portfolio management, along with advice on individual stocks, bonds, and other fixed income securities, employing both fundamental and technical analysis to tailor strategies to clients’ risk tolerances.

Brian Sly is the principal advisor at Brian Sly and Company with 28 years of industry experience. He holds Series 63 and Series 65 designations and has led his independent firm since 2009. Brian Sly and Company provides investment advisory and portfolio management services primarily to individual clients, retirement plans, foundations, and certain institutional clients. The firm emphasizes asset allocation based on Modern Portfolio Theory, implementing SEI Asset Allocation Model Portfolios on a largely non-discretionary basis, with regular performance reviews and client communication.

Cheryl Morhauser is a CFP® professional with 7 years of industry experience, operating her independent advisory firm, Cheryl Morhauser & Associates, since 1998. The firm is based in Grass Valley, CA, and serves a diverse client base including individuals, couples, small businesses, pension and profit-sharing plans, trusts, estates, and charitable organizations. Cheryl Morhauser & Associates is a fee-only independent advisory firm managing approximately $22.9 million for about 25 clients. The firm follows a primarily non-discretionary model, offering comprehensive financial planning and investment management with individualized account handling and a buy-and-hold investment approach focused on diversified asset-class allocations.

Mark Stempel is a CFP® professional with 15 years of industry experience, serving clients through Encore Wealth Advisors, LLC since 2001. He is based in Nevada City, CA. Outside of his advisory role, he manages passive real estate investments as the manager of two LLCs focused on multi-unit residential properties. Encore Wealth Advisors provides financial planning, investment advisory, and tax return preparation services to individuals, business entities, trusts, estates, and charitable organizations. The firm emphasizes long-term, fundamentally driven portfolio management and offers a range of planning services, including access to a client portal for consolidated reporting.

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.

Daniel Apple is a CFP® with 42 years of industry experience and has been with Apple & Associates since 2001. He has prior experience at Foothill Securities, Inc. and maintains a role as an insurance sales agent with Asset Marketing Systems Insurance Services, LLC. Apple & Associates offers discretionary investment management and on-demand financial planning to individuals, trusts, pension plans, and small businesses, employing a blend of active and passive investment strategies tailored to client objectives.

Frederick Fisher is a Certified Financial Planner® with 27 years of experience in the financial services industry. He has worked at Ostrofe Financial Consultants Inc since 1998 and has also been affiliated with LPL Financial, LLC since 2017 and National Planning Corporation from 2000 to 2017. Fisher serves as a co-trustee for the Fisher-Lourie Trust. Ostrofe Financial Consultants, Inc. provides comprehensive financial planning, consulting, and discretionary investment management to a diverse client base, including individuals, pension plans, trusts, and charitable institutions. The firm emphasizes a long-term investment approach focused on asset allocation and absolute return, managing approximately $386 million in client assets.

Aileen Danley is a CFP® and holds a Series 65 license with 11 years of experience in financial advising. She has worked at Oak Street Advisory Group since 2018 and previously was with Warren Street Wealth Advisors and ZEIDERS Enterprises. Oak Street Advisory Group provides personalized financial planning, consulting, and portfolio management services to individual and high net worth clients. The firm applies fundamental analysis and Modern Portfolio Theory principles, managing portfolios primarily through mutual funds and ETFs with an emphasis on portfolio construction and asset allocation.

Joseph Tomkiewicz is a CFP® professional with 26 years of experience in financial advising. He has been with Sierra Financial Advisory since 2004. Tomkiewicz holds Series 63 and Series 65 licenses and is also an agent with fixed annuity companies. Sierra Financial Advisory serves individual and family clients, including high-net-worth households, as well as small business retirement plans, trusts, estates, and charitable organizations. The firm employs a long-term, allocation-driven investment approach using mutual funds, ETFs, and selective individual securities, managing most assets on a discretionary basis across defined risk profiles.

Matthew Osypowski is a CFP® with four years of industry experience, currently serving as a financial advisor at Kroeger Financial Partners. His prior work includes a role at Sierra Starlight Insurance Services and experience in the hospitality sector at Golden Era Lounge. Kroeger Financial Partners provides fee-only discretionary asset management and integrated financial planning to individuals, high-net-worth clients, trusts, and small businesses. The firm’s investment approach emphasizes diversified ETFs and mutual funds, with services that include tax preparation and hourly financial consulting.

Seth Leishman is a CFP® with 17 years of industry experience and is affiliated with Ostrofe Financial Consultants Inc in Grass Valley, CA. He previously worked at LPL Financial from 2017 to the present and at National Planning Corporation from 2016 to 2017. Outside of his advisory role, Leishman is a CPA and provides tax planning and preparation services, and he serves as a board member for the Nevada City School District. Ostrofe Financial Consultants offers financial planning, consulting, and discretionary investment management for individuals, institutions, and businesses. The firm emphasizes asset allocation with diversified portfolios managed on a discretionary basis and integrates financial planning into ongoing advisory services.

Liam Apple is a financial advisor at Apple & Associates with a Series 65 designation and four years of industry experience. Before joining Apple & Associates in 2022, he worked in various roles including positions at Santa Barbara City College, Hometown Hydroponics, Sierra College, and Nevada Union High School. Outside of advisory work, he is also an insurance sales agent with Asset Marketing Systems Insurance Services, LLC. Apple & Associates provides discretionary investment management and on-demand financial planning to individuals, trusts, pension plans, and small businesses. The firm uses a combination of fundamental and technical analysis to manage portfolios, typically holding positions long-term while allowing clients to impose reasonable investment restrictions.

Meghan Coolbaugh is a CFP® professional with 10 years of industry experience, currently serving at Oak Street Advisory Group, LLC since 2016. Prior to that, she worked at Duttenhofer Advisory Group and operated Forza Pilates for 14 years. Oak Street Advisory Group provides personalized financial planning, consulting, and portfolio management services to individual and high net worth clients. The firm integrates fundamental analysis with Modern Portfolio Theory, managing portfolios primarily through mutual funds and ETFs, and emphasizes portfolio construction and asset allocation as key drivers of long-term outcomes.

Michael Tomkiewicz is a CFP® with six years of industry experience and currently serves as an advisor at Sierra Financial Advisory in Nevada City, CA. Prior to his financial advisory career, he spent ten years in full-time education and briefly worked with the Nevada Union School District. He is also a licensed insurance agent for life and health insurance products. Sierra Financial Advisory primarily serves individual and family clients, including high-net-worth households, as well as small business retirement plans, trusts, estates, and charitable organizations. The firm employs a long-term, allocation-driven investment approach with discretionary portfolio management tailored to five model risk profiles.

Nathan Leishman is a CFA® charterholder and holds the Series 66 designation. He has seven years of industry experience, currently serving as a financial advisor with Ostrofe Financial Consultants, Inc. since 2017 and also with LPL Financial since 2018. Prior to this, he worked at Westwood Global Investments, LLC from 2010 to 2017. Ostrofe Financial Consultants, Inc. provides comprehensive financial planning, consulting, and discretionary investment management to individuals, pension and profit-sharing plans, trusts, estates, charitable institutions, and businesses. The firm emphasizes asset allocation with diversified portfolios and incorporates financial planning as part of ongoing advisory services.

Orion Kroeger is a CFP® professional with 11 years of industry experience. He has worked at Kroeger Financial Partners since 2015 and previously at Kroeger Financial from 2004 to 2022. Both firms are based in Grass Valley, CA. Kroeger Financial Partners advises individuals, high-net-worth clients, trusts, and small businesses with fee-only discretionary asset management, integrated financial planning, and hourly consulting. The firm offers annual tax preparation services and employs diversified ETFs and mutual funds in portfolio construction, managing assets on a discretionary basis under SEC registration.

Forrest Blair is a financial advisor at American Investors Company with 30 years of industry experience. He has been with the firm since 1997 and holds a Series 63 designation. American Investors Company provides investment advisory and financial planning services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm combines brokerage and advisory services, offering a range of solutions including asset management, financial planning, and retirement plan consulting.

Zachary Weirich is a CFP® professional with 11 years of experience in the financial services industry. He is currently with Fermata Advisors and has previously worked at Sonoma Wealth Advisors, Cetera, Walnut Creek Wealth Management, and Edward Jones. In addition to his advisory work, he holds an insurance license in California. Fermata Advisors offers investment management, financial planning, and retirement-plan consulting primarily to individuals, small businesses, and plan fiduciaries. The firm employs a coaching-centered client relationship model and utilizes a blend of behavioral, charting, cyclical, fundamental, and technical analysis in managing portfolios.

Sarah Soria is a CFP® with 10 years of experience in financial advising currently with Prosperity Capital Advisors. She previously worked at Horace Mann Investors, Inc. and Horace Mann Companies from 2015 to 2023. Outside of her advisory role, Ms. Soria is involved with the American Financial Education Alliance, conducts seminars aimed at women investors under the Women's Wealth Collective, and serves on the board of the Gold Country Stampede Lacrosse club. Prosperity Capital Advisors is an SEC-registered firm that provides financial planning, consulting, and discretionary investment management to a variety of clients, including individuals, high-net-worth investors, corporations, and retirement plans. The firm uses model-based, asset-allocation strategies with ongoing portfolio supervision, incorporating core and specialized models from providers such as BlackRock, Dimensional, and Vanguard.

Joshua Soria is a financial advisor at Prosperity Capital Advisors with a Series 65 credential and two years of industry experience. He previously worked at Sierra Nevada Memorial Hospital for nine years. Outside of advising, Mr. Soria is involved in financial education through the American Financial Education Alliance, owns a woodworking business, and serves as Secretary on the board of the Soria Wright Foundation, a charitable organization. Prosperity Capital Advisors provides financial planning, consulting, and discretionary investment management to a diverse client base including individuals, businesses, and charitable organizations. The firm employs a model-driven, multi-sleeved investment approach utilizing mutual funds, ETFs, SMAs, and alternative solutions, and offers institutional and sub-advisory services.