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.

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.

Magnum Drew is a Series 66 licensed financial advisor with nine years of industry experience, currently serving as the sole advisor at Financial Client LLC since 2022. Prior to this, he worked with firms including Avantax Investment Services, Inc. and 1st Global Capital Corp. In addition to his advisory role, he owns Magnum CPA PC, an accounting and tax preparation business, and operates FitAdvantages, a financial fitness and wellness coaching service. Financial Client provides discretionary portfolio management, assets-under-advisement services, and facilitates client relationships with third-party money managers. The firm follows a long-term, buy-and-hold investment approach based on Modern Portfolio Theory and offers educational seminars alongside initial complimentary consultations.

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.

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, Amazon.com, and Activision Blizzard. From 2017 to 2019, he was a stay-at-home parent. Kingdom Capital Management is an independent, fee-only registered investment adviser serving individuals and families, particularly working and middle-income households, young professionals, growing families, and small business owners. The firm offers life-stage financial planning, fee-only insurance analysis, and optional ongoing portfolio management using a diversified, long-term investment approach primarily through mutual funds and ETFs.

Douglas Robinson is the principal of RCM Robinson Capital Management LLC in Mill Valley, CA, with 42 years of industry experience. He has previously worked at Osaic Wealth, Inc., Securities America, Inc., and Foothill Securities, Inc. since starting his own firm in 2005. RCM provides institutional fixed-income portfolio management and related investment advice to public agencies, trusts, foundations, and high-net-worth individuals. The firm primarily manages short- and intermediate-term fixed-income portfolios on a non-discretionary basis, combining value principles, modern portfolio theory, and demographic research in its investment approach.

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.

Nicholas Koehler is a CFA® credentialed advisor based in Sacramento, CA, affiliated with Larkspur Capital Partners. He has five years of experience at the California State Teachers' Retirement System and prior roles at WhaleShark, Pangea Chat, IESE Business School, and RVK Inc. Larkspur Capital Partners is an independent investment adviser that plans to provide discretionary portfolio management for high-net-worth individuals, families, trusts, and charitable organizations. The firm employs a fundamentally driven, long-term equity compounding approach with a performance-based fee structure and evaluates private investments alongside public equities.

Douglas Emitte is a financial advisor with 29 years of industry experience, currently serving as the founder and CEO of Dae Wealth Management. He holds Series 63 and Series 65 licenses and has worked at firms including Purshe Kaplan Sterling Investments and OneSource Wealth Management. Emitte is also a licensed insurance agent. Dae Wealth Management provides portfolio management and integrated financial planning to individuals, high-net-worth clients, and pension/profit-sharing plans. The firm uses a variety of analytical methods and combines long-term and short-term trading strategies tailored to client objectives.

Marios Gregoriou is a financial advisor at Elite Capital Services, LLC with 28 years of industry experience. He holds Series 63 and Series 65 designations and has been with Elite Capital Services since 2008. The firm offers wealth and portfolio management, financial planning, and consulting services to individuals, high-net-worth clients, trusts, estates, businesses, charitable organizations, pension and profit-sharing plans, and financial institutions. Their investment approach integrates fundamental and technical analysis with proprietary models, focusing on capital preservation through diversification and risk management, and utilizes a variety of investment instruments and strategies tailored to a broad client base that includes institutional and retirement plan clients.

Karthikeyan Ethirajan is a CFP® and Series 63-licensed financial advisor with two years of industry experience, currently operating through FinCrafters Advisory LLC in Rocklin, CA. His background includes roles in technology consulting and financial services, as well as serving as a part-time instructor in financial planning at the University of California Berkeley. He is also involved in tax accounting and planning as an enrolled agent and manages a personal trading entity. FinCrafters Advisory LLC is an independent firm serving individuals, high-net-worth clients, and business entities with discretionary and non-discretionary asset management, comprehensive financial planning, and retirement-plan advisory services. The firm employs a multi-method investment process incorporating fundamental, technical, and cyclical analyses, offering portfolios that may include derivatives and alternative investments while also providing tax preparation and ERISA plan consulting.

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.

Mark Sisto is a CFP® professional with 21 years of industry experience. He is the principal of Sisto Investment Advisory, LLC, an independent advisory firm he has led since 2016, following a previous 13-year tenure at Gonzales & Sisto, LLP. In addition to his advisory role, Mr. Sisto is a Certified Public Accountant and operates an accounting firm providing tax planning and accounting services separate from his investment advisory business. Sisto Investment Advisory, LLC serves individuals, trusts, estates, charitable organizations, corporate clients, and retirement-plan participants. The firm employs a passive, buy-and-hold investment approach grounded in Modern Portfolio Theory, primarily using Dimensional Fund Advisors mutual funds, and emphasizes tax efficiency and low transaction costs while managing discretionary portfolios.

Steven Burge is a CFP® and holds a Series 66 license, with 20 years of experience in the financial services industry. He has been the principal advisor at Burge Financial since 2014. Burge Financial provides discretionary portfolio management and financial planning services to individual and high-net-worth clients, managing approximately $14.16 million in discretionary assets. The firm uses a combination of fundamental, technical, and cyclical analysis to construct customized portfolios and primarily advises on equities, corporate debt, mutual funds, and ETFs.

Christopher Torchiana is a CFP® and ChFC® with 28 years of experience in financial advising. He is the principal and sole advisor at Continuum Financial Partners, LLC, where he has worked since 2012, following a tenure at Next Financial Group, Inc. In addition to financial advising, he owns and operates tax preparation businesses under Mainstreet Tax Advisory. Continuum Financial Partners serves select individual clients, including some high-net-worth households, and retirement plan sponsors by providing comprehensive financial planning, investment management, and retirement-plan advisory services. The firm employs a holistic planning process and offers ERISA-focused consulting for pension and profit-sharing plans, alongside tax preparation and insurance services through the principal’s other business activities.

Igor Mokhov is a financial advisor with CIF Advisors Inc. in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing five years of industry experience. He concurrently serves as President of Church Extension Investors Fund, Inc., a nonprofit organization that provides financing for churches. CIF Advisors offers financial planning and portfolio management services to individuals, businesses, corporations, and pension/profit-sharing plans, managing approximately $4.18 million in client assets. The firm customizes portfolios for long-term growth using fundamental and technical analysis and also provides fee-only due diligence services for alternative investments.