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.

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.

Brian Breckenridge is a financial advisor with Innovative Financial Advisors, LLC in Lincoln, CA, holding Series 63 and Series 65 licenses with 12 years of industry experience. He has also operated Breckenridge Tax & Financial Services since 2016, providing tax preparation and insurance services. Innovative Financial Advisors, LLC offers financial planning and consulting to individuals, high-net-worth clients, and small businesses, providing tailored investment advice while referring assets to third-party money managers for portfolio management. The firm emphasizes a referral-based model and does not accept discretionary trading authority for client accounts.

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.

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.

Gregory Shea is a financial advisor at De Novo Capital LLC in Granite Bay, CA, with nine years of industry experience. He holds a Series 65 designation and has been with De Novo Capital since its founding in 2015. Shea has a legal background and prior securities-litigation experience; he is licensed to practice law but is not currently affiliated with a law firm. De Novo Capital provides discretionary portfolio management services primarily to individual and high-net-worth clients, focusing on managing concentrated portfolios through bottom-up fundamental analysis of undervalued stocks, including domestic and foreign equities as well as small- and micro-cap names. The firm emphasizes a long-term investment horizon and identifies concentration, small-cap, foreign, and political risks as material considerations.

David Joiner is the sole advisor at Joiner Financial, LLC, an independent firm based in El Dorado Hills, CA. He holds Series 63 and Series 65 designations and has 18 years of industry experience. Joiner has worked with Berthel Fisher & Company Financial Services, Inc. since 2009 and has been involved with Quantix Equity Management and Quantix Equity Partners, LP since 2008. Joiner Financial, LLC provides 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 construct portfolios and offers ongoing monitoring with regular client reporting. It also manages a private investment vehicle and accepts performance-based fees for qualified investors.

David Ettl is the principal of David Ettl Financial, an independent firm based in Lincoln, CA. He holds a Series 63 designation and has 28 years of industry experience. He has led his sole-proprietor firm since 2011, providing non-discretionary portfolio management and consulting services. David Ettl Financial serves individuals, high-net-worth clients, trusts, estates, corporations, and occasionally institutional clients such as pension and profit-sharing plans. The firm employs a fundamentals-based approach, constructing customized portfolios primarily using low-cost mutual funds and ETFs, and provides only non-discretionary advice while clients maintain custody of their assets.

Dean Peterson is the principal of Dean Peterson Capital Management, LLC, an independent advisory firm based in Rancho Cordova, CA. He holds Series 63 and Series 65 licenses and has 41 years of industry experience. Peterson has led his firm since 2016. Dean Peterson Capital Management provides discretionary asset management to individuals, high-net-worth clients, and small businesses. The firm employs a strategic asset allocation framework with a focus on long-term purchase strategies, incorporating derivatives such as options in separately managed accounts.

Bereket Kelile is the principal advisor at Rehoboth Financial Planning, Inc. in Rancho Cordova, CA, holding Series 63 and Series 65 licenses with six years of industry experience. Prior to founding his independent firm, he worked at Cambridge Investment Research and spent seven years at SJR Opinion Research as an associate director. Outside of advising, Kelile owns businesses in financial coaching, life coaching, tax preparation, and estate planning document services, and serves as an elected member of the Sacramento County Republican Central Committee. Rehoboth Financial Planning, Inc. provides ongoing portfolio management and financial planning primarily to individual clients, managing approximately $17.5 million in assets. The firm employs a fundamental analysis approach with a long-term trading horizon, focusing on equities, ETFs, mutual funds, and occasionally fixed income and insurance products.

Dawn Pedicord is a CFP® professional with 27 years of industry experience. She is the sole advisor at Pedicord Wealth Management, LLC, an independent firm she has led since 2021. Prior to founding her firm, she worked at LPL Financial, LLC and Foord, VanBruggen & Pajak Financial Services. Pedicord Wealth Management provides investment advisory and financial planning services to individuals, high-net-worth clients, businesses, and ERISA retirement plans. The firm emphasizes financial planning as the foundation for asset allocation and combines passive ETFs and active managers, often supervising third-party asset managers while maintaining overall advisory oversight.

Emin Nabiyev is a CFP®, ChFC®, and holds a Series 66 license with seven years of industry experience. He is the principal advisor at TriFlame Capital, an independent firm he joined in 2024 after five years at Edward Jones. Prior to his financial services career, he worked in public sector roles at the California Department of General Services and the County of Yolo. TriFlame Capital provides discretionary asset management and financial planning services to individuals, high-net-worth clients, charitable organizations, and business entities. The firm uses fundamental and technical analysis, Modern Portfolio Theory, and Monte Carlo simulations to construct portfolios aligned with client objectives and risk tolerances, and it accepts corporate and business clients with a minimum account size generally set at $500,000.