Dorete Ben David is a CFP® professional with 9 years of industry experience. She has operated Ben-David Financial Planning since 2003. The firm provides comprehensive financial planning and portfolio management to individuals, couples, families, and business owners. Serving a small client base, the firm delivers customized, goal-oriented advice and primarily uses no-load mutual funds alongside individual bonds and alternative investments, operating largely on a non-discretionary account management basis.

Scott has had an interest in finance and investing ever since his first job delivering newspapers when he was eleven years old. He grew up in the home of a physician and scientist, studied finance and accounting and worked in Silicon Valley for a few years. After all these experiences, he has settled into the profession he always envisioned. He works with individuals and families in the medical, scientific and technology fields to understand their financial goals and dreams and develop a uniquely tailored financial plan. He strives to remove the pain points in his clients' financial lives, increase their confidence about the future and reduce the costs associated with their financial decisions. He loves the opportunity to provide this service. Scott is married and has four children. He enjoys music, along with his wife and daughter, and can sometimes be found building LEGOs with his three sons. He has also lived and traveled various places in the world and loves learning about history and culture.

Paul Rossi is the sole advisor at Rossi Financial Group in El Dorado Hills, CA, holding the CFA® designation and Series 63 license with 13 years of industry experience. He has led Rossi Financial Group since 2012. Outside of advisory services, Rossi is also a licensed real estate broker in California, an activity that occupies less than one percent of his time and is unrelated to his investment practice. Rossi Financial Group provides financial planning, investment consultation, and supervisory services to individuals, high-net-worth clients, trusts, estates, charitable organizations, businesses, and retirement plans. The firm employs a Core + Satellite investment approach combining index-based core holdings with actively managed satellite positions, primarily on a non-discretionary basis, and offers pension consulting and educational workshops on retirement, estate, and investment topics.

Christopher Torchiana is a Certified Financial Planner (CFP®) and Chartered Financial Consultant (ChFC®) with 28 years of experience in the financial services industry. He is the principal of Continuum Financial Partners, LLC, an independent advisory firm he has led since 2012. Prior to that, he worked at NEXT Financial Group, Inc. and Osaic FA, Inc. Torchiana also owns a tax preparation business, MainStreet Tax Advisory. Continuum Financial Partners provides financial planning, investment management, and retirement plan advisory services to select individuals, high-net-worth clients, and employer-sponsored retirement plans. The firm employs a holistic planning process incorporating Modern Portfolio Theory and offers ERISA fiduciary services including Investment Policy Statement design and 3(21) investment oversight, primarily managing client assets on a discretionary basis.

David Joiner is the sole advisor at Joiner Financial, LLC, an independent registered investment adviser based in El Dorado Hills, CA. He holds Series 63 and Series 65 licenses and has 19 years of industry experience. Prior to founding Joiner Financial, he worked at Berthel Fisher & Company Financial Services, Inc., Quantix Equity Management, Quantix Equity Partners, LP, and Eagle Strategies (NY Life). Joiner Financial provides ongoing portfolio management and financial planning services to individuals, high-net-worth clients, and investment companies. The firm uses a combination of charting, fundamental, technical, and cyclical analysis to manage portfolios internally, prepares Investment Policy Statements, and conducts regular portfolio reviews and reporting.

Gene Tabb III is a financial advisor at 5 Talents Advisors, Inc. with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at SCF Investment Advisors, SCF Securities, Golden State Propane, and Sierra Wealth Management, where he is also owner and president. Outside of advising, he serves as a board member of the Placerville Lions Club. 5 Talents Advisors is a registered investment adviser serving individuals, corporations, charities, and retirement plans. The firm manages approximately $54 million in discretionary assets using customized model portfolios and a combination of fundamental and technical analysis across various asset classes.

Steven Bell is a CFP® with 16 years of industry experience, currently serving at The Wealth Conservatory in Plymouth, CA. He has been with Comprehensive Planning Associates, Inc. since 2009. The Wealth Conservatory provides comprehensive financial planning, consulting, and wealth management services to individuals, high-net-worth clients, trusts, estates, charitable organizations, and business entities. The firm employs a fee-only, passive investment approach based on Modern Portfolio Theory, emphasizing systematic rebalancing, tax-loss harvesting, and cost-effective asset allocation.

Kayle Larsen is a CFP® with 28 years of industry experience, currently serving at Larsen Wealth Management since 2023. He previously worked at Cambridge Investment Research, Inc. for 16 years. Larsen also consults for an executive boat club operated by his wife. Larsen Wealth Management provides portfolio management and financial planning primarily to individual and high-net-worth clients, also serving corporate entities. The firm employs a long-term investment approach based on modern portfolio theory and offers discretionary portfolio management with quarterly monitoring.

Michael Haskins is a CFP® professional with 20 years of industry experience. He is currently with Larsen Wealth Management and previously spent 16 years at Cambridge Investment Research in various capacities. Haskins is also a licensed independent insurance agent. Larsen Wealth Management provides discretionary portfolio management and financial planning to individuals, high-net-worth clients, and business entities. The firm follows a long-term, modern portfolio theory-based investment approach and generally manages accounts on a discretionary basis.

Christopher Bell is a financial advisor at Aladino Financial Services, Inc. He holds a Series 66 designation and has one year of industry experience. Prior to his current role, he served in the United States Coast Guard for 12 years. Bell also provides administrative support to Mariner Independent Advisor Network, LLC, an independent investment advisor firm. Aladino Financial Services offers financial planning and consulting, focusing on initial client interviews and referring clients to third-party investment managers for portfolio implementation. The firm does not directly manage assets and provides tailored recommendations through a network of affiliated businesses, including insurance and legal services.

Sanjay Varshney is a CFA charterholder with six years of industry experience. He previously worked at Wells Fargo Private Bank for five years and has been a professor of managerial and corporate finance at California State University since 2015. He is based in El Dorado Hills, CA. Goldenstone Wealth Management serves individuals, high-net-worth households, business owners, and selected institutional clients with discretionary portfolio management and holistic financial planning. The firm employs a long-term, multi-asset total-return investment approach and offers tailored, goals-based programs that may include limited option strategies and alternative investments for qualified clients.

Ashley Hamman is a CFP® with four years of industry experience, currently serving at Bridgeview Capital Advisors, Inc. She previously worked at Charles Schwab and Charles Schwab Bank. Her background includes roles at the UC Davis Community Service Resource Center and the University of California, Davis. Bridgeview Capital Advisors, Inc. provides investment advisory, financial planning, tax planning, and pension consulting services to individuals, high-net-worth clients, and corporate pension and profit-sharing plans. The firm employs fundamental and technical analysis with broad asset-allocation strategies, managing both discretionary and non-discretionary client assets.

James Parenti is a financial advisor with Aladino Financial Services, Inc., holding CFP® certification and Series 63 and 65 licenses. He has 44 years of industry experience and also maintains a legal practice through his own law office. His career includes longstanding roles at Aladino Financial Services since 1989 and positions with LPL Financial, Mariner Independent Advisor Network, and Private Advisor Group. Aladino Financial Services specializes in financial planning and consulting, referring clients to independent third-party investment managers for portfolio implementation. The firm focuses on tailoring recommendations through detailed client information gathering and due diligence, without directly managing client assets.

Andres Villegas is a CFA® charterholder with six years of industry experience. He has worked at Goldenstone Wealth Management since 2020, following eight years at Wells Fargo Private Bank. Goldenstone Wealth Management serves individuals, high-net-worth households, business owners, and selected institutional clients, offering discretionary portfolio management and comprehensive financial planning. The firm employs a long-term, multi-asset total-return approach that combines fundamental, technical, and macroeconomic analysis, with tailored investment programs that may include limited options strategies and private capital investments for accredited clients.

Jayson Jay is a financial advisor at 5 Talents Advisors, Inc. with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Harvest Wealth Advisors, Inc. and Resource Investment Architects, Inc. Additionally, he conducts an insurance business as a sole proprietor focused on fixed and variable annuities and term insurance. 5 Talents Advisors provides comprehensive financial planning, consulting, and discretionary portfolio management to individuals, corporations, charities, and qualified retirement plans. The firm uses customized model portfolios combining fundamental and technical analysis and offers ongoing account reviews and quarterly performance reporting.

William Henley is a CFP® professional with four years of industry experience. He is currently with Larsen Wealth Management and has previously worked at Cambridge Investment Research Advisors and California State University, Sacramento. He serves as Treasurer for the Christadelphian Bible Mission of Americas, a religious-based charitable organization. Larsen Wealth Management provides portfolio management and financial planning primarily to individual and high-net-worth clients, along with corporate and business entity relationships. The firm utilizes a long-term investing approach grounded in modern portfolio theory, with individualized Investment Policy Statements and discretionary portfolio management.

David Waldrop is a CFP® with 24 years of industry experience and has been with Bridgeview Capital Advisors, Inc. since 2005. He holds Series 63 and Series 65 licenses and is also a licensed insurance agent, dedicating limited time to insurance services through Bridgeview Insurance Services. Bridgeview Capital Advisors, Inc. provides investment advisory, financial planning, tax planning, and pension consulting to individuals, high-net-worth clients, and corporate plans. The firm employs fundamental and technical analysis with broad asset-allocation strategies, managing over $122 million in client assets through both discretionary and non-discretionary approaches.

Ryan Shortridge is a financial advisor at APS Investment Management Group with 21 years of industry experience. He holds a Series 66 designation and has been with LPL Financial since 2005. In addition to his advisory role, he is involved in the sale of non-variable insurance. APS Investment Management Group offers investment advisory services to individual and corporate clients, managing discretionary assets through a wrap fee program and providing pension consulting. The firm employs a combination of fundamental and technical analysis with varied investment strategies and serves a large client base with a two-advisor team.

Kevin Kraft is a financial advisor with APS Investment Management Group and holds Series 63 and Series 66 licenses. He has 22 years of industry experience, including 14 years at LPL Financial and 16 years with APS Associates. Outside of his advisory work, he is involved in fixed insurance products such as term, universal, whole life, disability income, and long-term care insurance. APS Investment Management Group serves individual and corporate clients, including high-net-worth individuals and employer plan sponsors, offering portfolio management through a firm-sponsored wrap fee program and pension consulting services. The firm manages approximately $171.5 million in discretionary assets across about 550 client relationships, utilizing a combination of fundamental and technical analysis with accounts reviewed at least quarterly.

Victor Lai is a CFA® charterholder with 20 years of industry experience, currently serving as an advisor at Bellwether Capital Management LLC since 2009. He holds the Series 66 designation and is based in El Dorado Hills, California. Bellwether Capital Management provides wealth management and financial advisory services to private clients, including individuals, families, trusts, and small businesses, as well as select pension or profit-sharing plan clients. The firm utilizes proprietary model portfolios featuring a global macro tactical allocation strategy and an enhanced U.S. equity strategy, offering both discretionary management and standalone financial planning services.