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.

Danielle Miura is a CFP® and holds a Series 66 license with four years of industry experience. She is the sole advisor at Spark Financials LLC, an independent firm based in Elk Grove, CA. In addition to her advisory role, she owns and operates Spark Tax LLC, providing tax preparation and consulting services. She has also served as an adjunct instructor at Golden Gate University. Spark Financials LLC serves individual clients with tailored financial planning and discretionary investment management, complementing these services with affiliated tax return preparation and consulting. The firm emphasizes a passive investment approach grounded in modern portfolio theory and manages a limited client roster to allow for close adviser involvement.

Paige Farrell is a CFP® professional based in Sacramento, CA, with nine years of industry experience. She has worked with Endeavor Financial Planning since 2017 and was previously affiliated with Kevin M. Young Inc. dba Young Wealth Management for three years. Endeavor Financial Planning offers financial planning and discretionary investment management to individuals, families, trusts, and small business owners. The firm operates on a fee-only basis and employs a strategic asset allocation approach using low-cost, tax-efficient funds, managing portfolios on a discretionary basis with an Investment Policy Statement for each client.

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.

Joseph Voska is the principal advisor at Voska Wealth, an independent firm based in Rancho Cordova, CA. He holds a Series 65 designation and has experience in financial advising since 2026, following seven years with Accenture. In addition to his advisory role, he operates a separate online financial-education business. Voska Wealth is a fee-only independent investment adviser serving individuals and high-net-worth clients with retirement and pre-retirement wealth management and financial planning. The firm employs a combination of passive and active strategies, including options, and emphasizes asset allocation, risk management, and client-imposed investment restrictions.

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.

Hardeep Singh is a CFP® and Series 66 registered financial advisor with 16 years of industry experience. He is currently the sole advisor at PK Wealth Advisors in San Francisco, where he has worked since 2020, also having experience at firms including Delta Investment Management and Wedbush Securities. In addition to his advisory work, he operates an insurance sales and services business as a licensed insurance agent. PK Wealth Advisors serves primarily retirement plans, pension and profit-sharing plans, and other institutional or pooled investment vehicles. The firm provides discretionary asset management, ERISA plan advisory services, and financial planning, employing a multi-faceted investment approach that includes fundamental, technical, and cyclical analyses.

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.

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.

Tien Pham is a financial advisor at Royce Wealth Management LLC in Sacramento, CA, holding a Series 65 credential with approximately one year of industry experience. His prior work includes roles at GPW LLP and Gursey Schneider LLP. Royce Wealth Management LLC provides fee-only investment advisory and financial planning services to individuals, trusts, estates, charitable organizations, and business entities. The firm constructs portfolios using individual equities, fixed income, ETFs, mutual funds, money market funds, and alternative investments, employing both fundamental and technical analysis with a long-term orientation and tactical adjustments as warranted.

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.

Vitalii Iakushev is a financial advisor at VIFINANCE L.L.C. with a Series 65 credential and two years of industry experience. His prior work includes roles at Walmart Global Tech and West Leasing, as well as self-employment and positions in the automotive industry. VIFINANCE L.L.C. provides discretionary portfolio management and consultative asset-allocation guidance primarily to individuals and high-net-worth clients. The firm focuses on fundamental analysis and long-term investment strategies, emphasizing U.S. large-cap equities with diversification through fixed income and ETFs.

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.

David Sefton is a ChFC® and Series 65 credentialed financial advisor with 13 years of industry experience. He has been the sole advisor at Sefton Financial Planning since 2012, operating out of Sacramento, CA. Sefton Financial Planning is a sole proprietorship providing fee-only financial planning and investment advisory services to individuals and high-net-worth clients. The firm emphasizes a long-term, asset-allocation approach using low-cost mutual funds and ETFs, offering written plans and non-discretionary assistance without managing client assets or engaging in discretionary trading.

Malique Micenheimer is a financial advisor at WIN Private Wealth with 6 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including New York Life and Eagle Strategies. Outside of his advisory role, he is the founder and CFO of the Micenheimer Foundation, a nonprofit focused on community philanthropy. WIN Private Wealth is a fee-only registered investment adviser serving individuals, high-net-worth clients, charitable organizations, and businesses. The firm offers personalized investment management, financial planning, and educational seminars, employing a mix of active and passive strategies along with ESG portfolio options.

Bernard Gwandiku is the sole advisor at Gwan Global Services, Corp., an independent firm based in Elk Grove, CA. He holds a Series 65 credential and has six years of experience in financial advisory. Prior to founding his firm in 2019, he has worked at UCSF Medical Center since 2005. Outside of advisory work, he is involved in real estate sales as an agent with Keller Williams Realty and owns an equipment rental business. Gwan Global Services, Corp. offers portfolio management and financial planning services to individuals, high-net-worth clients, charitable organizations, and business entities. The firm employs a variety of analysis techniques and investment strategies, including fundamental, quantitative, technical, and modern portfolio theory, and provides both discretionary and non-discretionary account management.

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.