Susan Soesbe is the principal advisor at Soesbe Financial in Sacramento, CA, holding the CFP® designation and Series 65 license with 18 years of industry experience. Prior to founding Soesbe Financial in 2020, she worked at Soesbe Tax Services and Symphony Financial Planning LLC from 2006 to 2020. She also offers occasional educational seminars and speaking engagements. Soesbe Financial serves individual and high-net-worth clients by providing portfolio management, financial planning, and an Integrated Management Service that combines advisory and tax-preparation services for qualifying clients. The firm employs discretionary investment management using model allocations based on Modern Portfolio Theory, emphasizing passive strategies with index mutual funds and ETFs.

Daniel Ross is a CFP® and PFS™ credentialed advisor with 27 years of experience in financial services. He is the president of Dan Ross CPA APC, a CPA firm providing tax advice and accounting services to individuals and businesses. Ross joined Integrated Advisors Wealth Management LLC in 2026, following prior roles at several firms including Liberty Wealth Management and AE Financial Services. Integrated Advisors Wealth Management LLC offers advisory services to individuals, high-net-worth clients, pension plans, and corporations, combining passive and active investment strategies with modern portfolio allocation principles. The firm provides discretionary investment management, financial planning, and retirement plan consulting, including acting as an ERISA investment manager.

Charles Tracy is a CFA® charterholder with seven years of industry experience. He is currently an advisor at Bellwether Capital Management LLC and has held previous positions at Intuit, Workday, and UCLA Anderson School of Management. His background includes work in both financial services and corporate environments. Bellwether Capital Management provides wealth management and financial advisory services to private clients such as individuals, families, trusts, small businesses, and select pension or profit-sharing plans. The firm employs proprietary model portfolios with strategies including global macro tactical allocation and enhanced U.S. equity selection, offering discretionary management and flexible financial planning options.

John Raftery is a Series 65-licensed advisor at Sterling Retirement Group of Sacramento with one year of industry experience. He has worked at Sterling Retirement Group since 2025 and concurrently at Stewart Valuation Intelligence since 2015. Sterling Retirement Group of Sacramento provides comprehensive financial planning, consulting, and portfolio management services to individuals, retirement accounts, trusts, corporations, and closely held businesses. The firm employs a value- and risk-focused investment approach and offers discretionary management as well as co-adviser arrangements, serving approximately 400 clients with $177 million in assets under management.

Kurt Schrader is a CFP® professional with eight years of experience in the financial services industry. He has worked at Carbahal Olsen Financial Services Group LLC since 2017 and previously spent seven years at Purves & Associates. Schrader holds a Series 65 license and is based in Davis, CA. Carbahal Olsen Financial Services Group LLC provides financial planning, consultation, and discretionary portfolio management primarily to individual clients, including high-net-worth households, as well as small businesses and retirement plan clients. The firm employs a core/satellite investment approach using low-cost ETFs and select actively managed mutual funds, with tactical satellite allocations tailored for tax or client-specific constraints.

Manuel Carbahal is a financial advisor with Carbahal Olsen Financial Services Group LLC, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. He has been associated with Carbahal Olsen Financial Services Group since 2010 and also serves as Vice President at Carbahal & Company, an accounting practice where he devotes a significant portion of his time. Additionally, he is a managing member of Final Ledger, LLC, a tax preparation business. Carbahal Olsen Financial Services Group LLC provides financial planning, consultation, and discretionary portfolio management primarily to individual clients, including high-net-worth households, as well as small businesses and retirement plan clients. The firm employs a core/satellite investment approach using low-cost ETFs and select actively managed mutual funds, maintaining a notable scale with over $212 million in assets under management and more than 230 client relationships.

Joseph Nix is a CFP® professional with 10 years of industry experience, currently serving as an advisor at NIX Wealth Management in Sacramento, CA. His prior work includes roles at Securities Service Network and Hook & Ladder. NIX Wealth Management advises individuals and trusts, specializing in managing individual and trust assets as well as IRA rollovers. The firm emphasizes non-discretionary portfolio management with tailored investment strategies that include stocks, mutual funds, ETFs, and bonds, serving approximately 115 clients with $82 million in assets under management.

Jesse Nix is a CFP® professional with 10 years of industry experience, currently serving as an advisor at NIX Wealth Management in Sacramento, CA. His prior roles include positions at Securities Service Network, Inc. and Hook & Ladder. NIX Wealth Management advises individuals and trusts, specializing in managing individual and trust assets as well as IRA rollovers. The fee-only firm serves approximately 115 clients with $82 million in assets under management, focusing on tailored portfolios, appropriate asset allocation, and a non-discretionary management approach.

Kurt Halverstadt is an advisor at The Sullivan Group in Roseville, CA, holding Series 63 and Series 65 licenses with 38 years of industry experience. He has been with Capital Investment Management, LLC, doing business as The Sullivan Group, since 2009. In addition to his advisory role, he is involved with Brightstar Insurance Partners, where he works in life insurance sales. The Sullivan Group is a California-licensed investment advisory firm serving approximately 96 clients with discretionary portfolio management, customized financial planning, and retirement plan consulting. The firm constructs portfolios tailored to client objectives using fundamental, technical, and cyclical analysis across a range of asset classes and acts as a fiduciary for retirement accounts.

Bradley Harsch is a financial advisor at Strategic Advocates, LLC in Sacramento, CA, with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Cambridge Investment Research and Crown Capital Securities. Outside of his advisory role, he serves as secretary for the Nancy Gressley Education Foundation, a nonprofit providing scholarships to college-bound students, and assists with bookkeeping for his wife's interior design business. Strategic Advocates serves individuals, retirement plans, trusts, estates, charitable organizations, and business entities, offering financial planning, portfolio management, and retirement plan consulting. The firm uses diversified asset-allocation models and a broad investment toolkit to tailor advice to each client, managing approximately 2,600 clients across seven advisors and multiple offices.

Braden Kolb is a financial advisor at Kolb Wealth Management, LLC with one year of industry experience. He holds a Series 65 designation and previously worked at Kaiser Permanente for 14 years. He also has experience with Gradient Advisors, LLC and Kolb Financial & Insurance Services. Kolb Wealth Management provides non-discretionary asset management and financial planning services to individual clients, tailoring portfolios to their objectives, time horizons, and risk tolerance with tools like Monte Carlo analysis and quarterly reviews. The firm supports clients with reporting and paperwork and offers the option to engage third-party managers, including a sponsored relationship with Gradient Investments.

Rodney Nishikawa is a financial advisor with RMC Financial Advisors, LLC, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. His background includes roles at Cetera Advisors, First Allied Advisory Services, and First Allied Securities. Outside of advisory work, he serves as CEO of Nishikawa Farms, Inc., a family-owned business. RMC Financial Advisors primarily serves individual clients, including many high-net-worth households, as well as businesses, charities, and small pension plans. The firm offers customized financial planning and discretionary portfolio management, focusing on a conservative, low-turnover investment approach and maintaining a formal affiliation with a CPA practice and a licensed insurance professional.

Robert Kolb is a financial advisor at Kolb Wealth Management, LLC with 23 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Gradient Advisors LLC. Kolb also serves as CEO of Kolb Financial & Insurance Services. Kolb Wealth Management provides non-discretionary asset management and financial planning services to individual clients, offering tailored portfolios with ongoing monitoring and the option to engage third-party managers. The firm operates without account minimums and does not take discretionary trading authority or vote client proxies.

Mark Hansen is a CFP® and ChFC® with 34 years of industry experience. He has been with Hansen & Associates Financial Group Inc. since 2013 and has operated his own advisory practice since 2010. Outside of financial advising, he is co-owner of a bakery business with his wife. Hansen & Associates Financial Group provides individualized asset management, comprehensive financial planning, and retirement plan consulting to individuals, employer plan sponsors, corporations, and other business entities. The firm employs a proprietary Tactical Asset Allocation framework that integrates momentum and risk-parity elements, primarily using exchange-traded funds, with portfolios tailored to assigned risk profiles.

Kenneth Pope is a financial advisor at Peak Investment Solutions, LLC with 25 years of industry experience. He holds a Series 65 designation and has been with Peak Investment Solutions since 2007. In addition to his advisory role, Mr. Pope is a certified public accountant and owner of a tax preparation business. Peak Investment Solutions provides investment management and financial planning services to individuals, trusts, qualified retirement plans, charitable organizations, and businesses. The firm employs a Modern Portfolio Theory-based approach, focusing on diversified, buy-and-hold portfolios primarily using passively managed mutual funds and ETFs.

Keith Weinbaum is a financial advisor at Newbury Capital Management, LLC with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Newbury since 2019, with prior experience at Dale Investment Company. Outside of his advisory role, he is involved as an assistant manager and partner in managing several shopping mall properties in Michigan, overseeing tenant relations and renovation projects. Newbury Capital Management provides investment advisory services to individuals, high-net-worth clients, trusts, pension and profit-sharing plans, and business entities. The firm employs a mix of fundamental, technical, and quantitative analysis to build portfolios from a broad range of securities, offering both discretionary and non-discretionary management with regular monitoring and formal quarterly reviews.

Todd Hadley is a CFP® with 26 years of industry experience affiliated with True Wave Financial Planners. He has worked at Lucas Group Financial Planners, Inc. since 2004 and has operated Hadley Tax Consulting, providing tax advising and preparation services, since 1987. He also owns Hadley Insurance Services, where he serves as an insurance agent. True Wave Financial Planners serves individual clients, including high-net-worth households, as well as retirement plans and small businesses. The firm uses model-based portfolio management and third-party money managers to deliver goal-oriented financial advice with ongoing supervision and annual suitability reviews.

Collin Sinnott is a financial advisor at Strategic Advocates, LLC in Sacramento, CA, holding a Series 65 credential with four years of industry experience. His prior work includes roles at Crown Capital Securities, L.P., Cambridge Investment Research Advisors, Inc., and the University of California, Davis. Outside of finance, he has experience working in the food service industry with Insomnia Cookies and Poke Bar. Strategic Advocates provides discretionary portfolio management and written financial planning to individuals, high-net-worth clients, trusts, estates, charitable organizations, and business entities. The firm uses proprietary asset-allocation models and oversees third-party independent managers to implement a range of investment strategies, including traditional and alternative exposures.

Bethany Ely is a Series 65-licensed financial advisor with three years of industry experience, currently with Three Oaks Wealth in Gold River, CA. Her prior roles include positions at Trinity Wealth Advisors with Ameriprise and Twin Rivers Wealth Management. Outside of advisory work, she has experience in real estate and education through her time with Witham Real Estate and the Sacramento County Office of Education. Three Oaks Wealth serves individuals, families, trusts, estates, and employer-sponsored retirement plans, offering comprehensive financial planning, discretionary investment management, and retirement plan consulting. The firm employs a modern portfolio theory approach combined with strategic asset allocation and security selection to create diversified portfolios tailored to client risk profiles.

Mark Wong is a financial advisor at Rmc Financial Advisors, LLC with 22 years of industry experience. He has held his current role since 2007 and holds Series 63 and Series 65 licenses. RMC Financial Advisors, LLC primarily serves individual clients, including many high-net-worth households, as well as businesses, charities, and small pension plans. The firm provides financial planning and discretionary portfolio management, focusing on a conservative, low-turnover investment approach tailored to each client’s circumstances.