Gregory Crawford is the sole advisor at Crawford Financial Planning & Consulting in Modesto, CA, with 42 years at the firm and nine years of industry experience. He provides portfolio management and financial planning services primarily for individual and high-net-worth clients. Crawford Financial Planning & Consulting offers discretionary portfolio management and one-time financial planning engagements, emphasizing ETF-based portfolios and a blend of modern portfolio theory, fundamental analysis, charting, and cyclical analysis to guide asset allocation and security selection. The firm requires client accounts to be custodied at Schwab Institutional and operates as a sole proprietorship with a long operating history.

Nicole Seghetti is a CFP® professional with 16 years of industry experience. She is the sole advisor at Luminary Financial Planning in Modesto, CA, and has operated Seghhetti Holdings LLC since 2012, providing financial planning content for online publications. Luminary Financial Planning offers investment advisory and financial planning services to individuals, high-net-worth clients, pension and profit-sharing plans, and business entities. The firm manages client accounts on a strictly non-discretionary basis and employs a long-term investment approach using fundamental analysis and modern portfolio theory.

Kendall Seifert is a financial advisor at Blom & Howell Financial Planning, Inc. in Modesto, CA, with three years of industry experience. He holds a Series 65 designation and has previously worked in education and retail, including roles at Grand Canyon University and Trader Joe's. Blom & Howell Financial Planning serves individuals, trusts, estates, business entities, and retirement plans with comprehensive wealth management, financial planning, and estate-planning services. The firm offers customized asset allocations, both discretionary and non-discretionary portfolio management, and uses third-party providers with AI and machine-learning tools as part of its investment approach.

Thomas Oliveira is a financial advisor with Oliveira Wealth in Modesto, CA. He holds the ChFC® designation and Series 63 and 65 licenses, and has 29 years of industry experience. His prior work includes 15 years at LPL Financial and ongoing affiliation with The Leaders Group Inc. Outside of advising, he is involved in managing real estate and related business activities. Oliveira Wealth serves individuals, trusts, pension and profit-sharing plans, and businesses, offering discretionary asset management, financial planning, retirement plan consulting, and cost segregation services. The firm employs individualized portfolios with a preference for ETFs and fixed income, and distinguishes itself with a broker-dealer affiliation and specialized tax and retirement plan consulting services.

Christopher Dennis is a financial advisor at Arrowhead Wealth Management Corp. in Modesto, CA, with 33 years of industry experience. He holds a Series 63 designation and has been with Arrowhead Wealth Management since 2014. In addition to his advisory role, he is an independent insurance producer for various insurance companies. Arrowhead Wealth Management Corp. provides fee-based investment advisory services to individuals, trusts, estates, charitable organizations, and business entities, managing approximately $30.8 million in client assets. The firm employs a tactical allocation approach using fundamental, technical, and cyclical analysis to tailor non-discretionary portfolios, and it also serves as a solicitor for a third-party managed-account platform.

Kenneth Boone is the sole advisor at Kenneth E. Boone Wealth Management, LLC in Oakdale, CA, with 26 years of experience in the industry. He holds a life insurance license and occasionally offers clients life insurance, long-term care policies, or annuities as part of the wealth planning process. The firm advises individual clients, including high-net-worth households, on comprehensive wealth planning and portfolio management. Its investment approach is based on Modern Portfolio Theory, focusing on customized investment policies, diversified asset-class exposures, and quarterly rebalancing, with most assets managed on a non-discretionary basis through a third-party administrator.

David Wong is a financial advisor at Arrowhead Wealth Management Corp. in Modesto, CA, with 31 years of industry experience. He holds a Series 63 designation and previously worked at Wedbush Securities Inc. from 2009 to 2022. Arrowhead Wealth Management Corp. provides fee-based investment advisory services to individuals, trusts, estates, charitable organizations, and business entities, primarily serving non–high-net-worth clients. The firm employs a tactical allocation approach using fundamental, technical, and cyclical analysis to customize portfolios and offers both discretionary management and non-discretionary assets.

Michael Howell is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at Blom & Howell Financial Planning, Inc. He previously worked at SCF Securities, Inc. and LPL Financial. Outside of his advisory role, Howell is active as a church musician and officer at Shelter Cove Community Church, and he serves as treasurer and secretary of the Lions Baseball Club. Blom & Howell Financial Planning serves individuals, trusts, estates, business entities, and retirement plans by offering comprehensive wealth management, standalone financial planning, and retirement plan consulting. The firm customizes asset allocations across various securities, providing both discretionary and non-discretionary portfolio management through a firm-sponsored wrap fee program and engages periodic due diligence of service providers incorporating AI and machine learning components.

Paul Lamandia is a financial advisor at Oliveira Wealth in Modesto, CA, holding a Series 66 designation with 22 years of industry experience. He previously worked at Charles Schwab Bank and Charles Schwab & Co., Inc. for 18 years, as well as A. G. Edwards & Sons, Inc. and Wells Fargo Clearing. Oliveira Wealth serves individuals, trusts, retirement plans, and business entities, offering discretionary asset management, financial planning, and retirement plan consulting. The firm manages approximately $332 million in discretionary assets and employs a risk-based, tax-aware investment approach across multiple asset classes.

Christopher Sharp is a financial advisor with Oliveira Wealth in Modesto, CA, holding Series 63 and Series 65 licenses and six years of industry experience. He has worked with Oliveira Wealth since 2019 and has been affiliated with The Leaders Group since 2021. Prior to his financial advisory career, his background includes roles in agriculture services and the restaurant industry. Oliveira Wealth serves individuals, trusts, pension and profit-sharing plans, and businesses, offering discretionary asset management, financial planning, retirement plan consulting, and cost segregation services. The firm uses a range of investment strategies and emphasizes specialized services such as ERISA-aware retirement plan consulting and cost segregation tax analyses.

Joshua Natham is a Certified Financial Planner® (CFP®) with seven years of industry experience. He has been with Kenneth E. Boone Wealth Management, LLC since 2016. Outside of his advisory role, he is a licensed insurance producer and life insurance agent, offering insurance products such as long-term care and life insurance when appropriate for clients' financial plans. Kenneth E. Boone Wealth Management, LLC provides comprehensive wealth planning and portfolio management services mainly for individual and high-net-worth clients. The firm uses a Modern Portfolio Theory framework with customized Investment Policy Statements and emphasizes diversified, long-term asset-class exposures, managing most assets on a non-discretionary basis through a third-party administrator.

Christopher Mraz is a financial advisor at Mraz and Associates in Modesto, CA, holding a Series 65 credential with five years of industry experience. He has worked at Mraz, Amerine & Associates, Inc. since 2020 and was previously employed by Conterra Wine Co., LLC for nine years. Mraz and Associates provides financial planning, consulting, and discretionary investment management services to individuals, retirement plans, and institutional clients. The firm manages nearly $1 billion in assets with a value-oriented investment approach that integrates fundamental, technical, and cyclical analysis.

David Mraz is a financial advisor at Mraz and Associates in Modesto, CA, with 29 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Morgan Stanley and Concert Wealth Management before joining his current firm, where he has been since 2011. Mraz and Associates is a five-advisor team managing nearly $1 billion in discretionary assets, providing financial planning, consulting, and investment management to individuals, retirement plans, and institutional clients. The firm employs a disciplined, value-oriented investment process that incorporates fundamental, technical, and cyclical analysis, and offers services including participant education and ERISA fiduciary roles.

Christopher Frizzi is a CFP® with 31 years of industry experience and is a member of the 13-advisor team at KCPAG Financial Advisors LLC. He has been with KCPAG and its affiliated entities, including Kemper Capital Management LLC and KCPAG Insurance Services LLC, since 2009. Outside of his advisory work, he is a part-owner of a single-family rental property. KCPAG Financial Advisors LLC provides financial planning, portfolio management, and retirement plan consulting for individuals, plans, trusts, estates, and businesses. The firm offers tailored asset management using fundamental analysis alongside long- and short-term strategies, serving approximately 405 clients across 27 offices.

David Derby is a CFP®, ChFC®, and Series 63-licensed advisor with 38 years of industry experience. He has been associated with American Investors Company since 1991 and operates an insurance and financial services business separately. American Investors Company provides investment advisory and financial planning services to individuals, retirement plans, trusts, charitable organizations, and corporations, offering a range of management and consultation options while operating both as a registered broker-dealer and SEC-registered adviser.

Angela Gomez Guerrero is a financial advisor at Mraz and Associates with a Series 65 designation and one year of industry experience. Prior to joining Mraz and Associates, she held various roles including positions at the University of California - Davis and retail companies. Mraz and Associates provides financial planning, consulting, and discretionary investment management to individuals, retirement plans, and other institutional clients. The firm employs a disciplined, value-oriented investment process combining fundamental, technical, and cyclical analysis, managing nearly $1 billion in assets with a small team of five advisors.

Alan Crosby is a CFP®-certified financial advisor with 15 years of industry experience. He is currently with Southland Equity Partners, LLC and previously worked at Osaic Wealth, Inc. and FSC Securities. Outside of his advisory role, he is a member of Brave Cycling Company LLC, which designs and sells premium cycling apparel and accessories. Southland Equity Partners advises individuals, pension and profit-sharing plans, and businesses, offering financial planning, direct asset management, and retirement plan consulting. The firm uses a combination of fundamental and technical analysis to create customized, mainly discretionary portfolios.

Benjamin Johnson is a financial advisor at Mraz and Associates with 11 years of industry experience. He holds the Series 65 designation and has been with Mraz, Amerine & Associates, Inc. since 2014. Mraz and Associates provides financial planning, consulting, and discretionary investment management to individuals, including high-net-worth clients, as well as retirement plans and other institutional entities. The firm follows a disciplined, value-oriented investment approach that integrates fundamental, technical, and cyclical analysis, managing nearly $1 billion in discretionary assets through a small team of five advisors.

Gregory Crosby is a CFP® professional with 41 years of industry experience. He is currently with Southland Equity Partners, LLC and has previously worked at FSC Securities Corporation and OSAIC. He is the owner of Crosby Capital Advisors, LLC, a non-investment-related limited liability company. Southland Equity Partners advises individuals, pension/profit-sharing plans, and businesses, providing financial planning, direct asset management, selection of portfolio managers, and retirement plan consulting. The firm combines fundamental and technical analysis to build customized portfolios and offers both discretionary and non-discretionary management along with flexible billing options.

Deidre Mraz is a financial advisor at Mraz and Associates in Modesto, CA, holding Series 63 and Series 65 licenses with 19 years of industry experience. Her prior roles include positions at Concert Wealth Management, Inc. and Morgan Stanley & Co. LLC. She has been with her current firm, previously known as Mraz, Amrine & Associates, for 15 years. Mraz and Associates provides financial planning, consulting, and discretionary investment management services to individuals, retirement plans, and institutional clients. The firm employs a disciplined, value-oriented investment process that integrates fundamental, technical, and cyclical analysis, managing nearly $1 billion in assets with a small team of five advisors.