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.

Keith Hentschel is the sole advisor at Hentch Solutions in Auburn, California, holding Series 63 and Series 65 licenses with 40 years of industry experience. His prior roles include positions at Cetera Advisor Networks LLC and Purpose Driven Financial Services. Outside of investment advisory, he is involved in teaching public speaking skills through Hentch, Inc. and works as an independent representative selling fixed life, health, LTC, and fixed/indexed annuities. Hentch Solutions provides investment advisory services primarily by recommending and facilitating client access to third-party advisory platforms and managed-account programs. The firm operates mainly as a co-advisor or liaison, assisting with paperwork, delivery of regulatory disclosures, and monitoring third-party manager performance, rather than managing client portfolios directly.

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.

Brian Belcastro is a financial advisor with The $ Coach, LLC in El Dorado Hills, CA, holding a Series 66 designation and 27 years of industry experience. He founded The $ Coach, LLC in 2011 after prior roles at Wells Fargo Clearing and Raymond James Financial Services. Outside of advising, Belcastro publishes educational content including a YouTube series titled “Money Talk with Brian” and a book used for client education. The $ Coach, LLC provides investment supervisory services and financial planning primarily to individual and high-net-worth clients. The firm combines public education and business consulting with a non-discretionary investment approach that includes a range of strategies from long-term investing to options writing.

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.

I am a fee-only financial advisor focused on bringing clarity to your finances through integrated planning for life, business and investments. I built Olivehurst Advisors as a fiduciary firm to help individuals and families navigate growing financial responsibilities, evolving priorities and important financial decisions with thoughtful long-term planning and investment management. The name Olivehurst Advisors reflects the kind of stewardship I seek to provide - helping clients build lasting resilience, financial health and long-term opportunity, much like a grove of olive trees that produces fruit over many years. Whether navigating career growth, business ownership, investments, equity compensation, retirement planning or major life transitions, I provide guidance designed to help clients move forward with confidence.

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.

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.

Daniel Rowland is the principal of Rowland Financial Services in Roseville, CA, with 26 years of experience in the financial industry. He holds a Series 66 designation. In addition to his advisory role, he owns an insurance brokerage specializing in employee benefits, including life, accident, health, disability, and annuity products. Rowland Financial Services provides investment management, financial planning, and employer retirement-plan services to institutional and individual clients. The firm operates on a non-discretionary basis, focusing on client-specific investment policy statements and diversified portfolios primarily using low-cost mutual funds and ETFs. An affiliated insurance brokerage offering employee-benefit products distinguishes the firm from other investment managers.

Rachael Burns is a CFP® and holds a Series 66 license with 18 years of industry experience. She is the sole advisor at True Worth Financial Planning LLC, where she has worked since 2020. Prior to that, she was with Ameriprise from 2017 to 2020 and Merrill Lynch from 2015 to 2017. True Worth Financial Planning provides financial planning and portfolio management primarily to individual and high-net-worth clients. The firm offers project-based and ongoing comprehensive planning, uses third-party managers for portfolio execution, and delivers fee-based online educational courses and content.

Douglas Lutkus is the sole advisor at Xitright, an independent registered investment adviser based in Lincoln, CA. He holds Series 63 and Series 66 licenses and has 22 years of industry experience, including prior roles at White Hat, LLC and his own businesses operating since 2009 and 2010. Lutkus is also a licensed insurance agent specializing in life, health, and annuities. Xitright primarily serves individual investors, business owners, and select pension/employee benefit plans, offering portfolio management, retirement and business exit planning, and alternative investment consulting focused on real estate. The firm emphasizes personalized advice, non-discretionary account management, and combines traditional securities with due-diligence-based real estate investment options.

Jack Johnson is a CFP® and Series 65-licensed financial advisor with 22 years of industry experience. He has been the sole advisor at Sierra Financial Planning & Asset Management in Roseville, CA since 2003. Johnson holds both CFP® and CPA credentials and has a background in accounting and financial management. Sierra Financial Planning & Asset Management provides financial planning and portfolio management services for individual clients, utilizing a globally diversified, index-oriented, buy-and-hold investment approach. The firm primarily manages non-discretionary assets and negotiates flat advisory fees, delivering comprehensive written plans, annual in-person reviews, and quarterly performance reports.

Mark O'Guinn is the principal of Q4 Strategic Equity Advisors Inc., an independent advisory firm based in Roseville, California. He holds a Series 65 designation and has 18 years of industry experience, having been with Q4 Strategic Equity Advisors since 2008. Outside of advisory services, he is also a licensed life insurance agent in California and owns a related insurance business. Q4 Strategic Equity Advisors provides portfolio management and referrals to third-party money managers for individuals, pension plans, trusts, estates, charitable organizations, and business entities. The firm employs a mix of fundamental analysis, long-term and short-term trading strategies, and non-discretionary portfolio supervision, with access to model portfolios and institutional investment strategists.

Peter Gaylord is the principal of Gaylord Wealth Management, LLC in Rocklin, CA, holding the CFA® designation and Series 63 and 65 licenses with 17 years of industry experience. He has led his firm since 2013 and has operated Peter Gaylord Services, Inc. since 2001. Outside of investment management, he also serves as president and consultant for Peter Gaylord Consulting, Inc., providing business and marketing consulting. Gaylord Wealth Management, LLC manages discretionary client assets primarily through ETFs and mutual funds, employing a combination of fundamental analysis and strategic and tactical asset allocation. The firm serves both institutional and individual clients, offering financial planning and portfolio consultation services on an hourly or fixed-fee basis.

David Hammer is the sole advisor at Hammer Asset Management, LLC in Auburn, CA, holding a Series 65 credential with 14 years of industry experience. He has led Hammer Asset Management since 1999. Outside of his advisory role, Mr. Hammer is involved in a retail business specializing in kitchen cooking supplies and tea ware, where he handles bookkeeping and online order fulfillment. Hammer Asset Management provides discretionary portfolio management for individual and institutional clients, employing proprietary quantitative models to guide asset allocation and security selection. The firm integrates liability-focused bond immunization with probability-driven strategies, managing approximately $26.6 million in assets under a single portfolio manager.

Randolph Elder is the principal of Randolph Elder, CFP, an independent advisory firm. He holds the CFP® designation and has 25 years of experience as a financial advisor, with nine years in the industry under his current registration. He serves as president of the South Placer Heritage Foundation, a nonprofit organization focused on historical preservation. Randolph Elder, CFP provides investment management and financial planning primarily to individual clients, as well as pension plans, businesses, charities, trusts, and estates. The firm employs a customized, long-term approach emphasizing capital preservation and moderate growth through diversification and both fundamental and technical security analysis.

Robert Teel is a financial advisor at Kingdom Capital Management with six years of industry experience. He holds a Series 65 designation and has previously worked at Microsoft Corporation and Amazon.com, Inc. Outside of his advisory role, he spent time as a stay-at-home parent. Kingdom Capital Management is an independent, fee-only registered investment adviser that serves individuals and families, focusing on working and middle-income households, young professionals, growing families, and small business owners navigating life-stage financial decisions. The firm offers life-stage financial planning through fixed-fee engagements and employs a diversified, long-term investment approach called “Thirds Investing,” using mutual funds and ETFs supported by fundamental, technical, and quantitative analysis.

Tadd Barraclough is a financial advisor with TCM Investment Advisers in Citrus Heights, CA, holding a Series 63 designation and 12 years of industry experience. He has worked with TCM since 2016 and maintains concurrent roles at Lyft, Inc. and United Parcel Service. TCM Investment Advisers serves individual investors focusing on retirement planning and estate/asset management, providing portfolio management and a wrap-fee program. The firm emphasizes a customized retirement-planning approach with various fee arrangements and operates trading and custody through a Fidelity platform.