Megan Miller is an Associate Wealth Advisor at Towerpoint Wealth, LLC in Sacramento, CA, with three years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Purshe Kaplan Sterling Investments, the State of California Department of Housing, Apercen Partners, and Keller Williams. Outside of her advisory role, she operated Miller Creations Online from 2019 to 2023. Towerpoint Wealth manages approximately $561 million for individual and high-net-worth clients, trusts, estates, and businesses. The firm offers wealth management, financial planning, and retirement plan consulting using a multi-disciplinary investment approach that incorporates fundamental, technical, and cyclical analysis with tailored strategies across various asset classes.

Carter Osborne is a financial advisor at Planned Solutions, Inc. in Folsom, CA, holding a Series 65 credential. He has been with the firm since 2024 and has previous experience at California State University - Sacramento and CalHFA. Planned Solutions, Inc. provides discretionary portfolio management, financial planning, income tax preparation, and insurance implementation for a range of clients including individuals, high-net-worth clients, retirement plans, trusts, estates, charitable organizations, and business entities. The firm’s investment approach emphasizes model asset-allocation portfolios with strategic and tactical asset allocation, supported by in-house tax expertise and formal capital markets valuation techniques.

Joel Ransford is a CFP® professional with 11 years of industry experience, currently serving as an advisor at Planned Solutions, Inc. He previously worked at Securities Service Network, Inc. for four years. In addition to advising, he is involved in tax preparation and planning services at Planned Solutions, where he also holds a shareholder and director role. Planned Solutions, Inc. provides discretionary portfolio management, financial planning, income tax preparation, and insurance implementation for individuals, high-net-worth clients, retirement plans, trusts, estates, charitable organizations, and business entities. The firm utilizes model asset-allocation portfolios guided by capital markets forecasts and technical analysis, with distinct in-house tax expertise integrated into its advisory approach.

Alan Robello Jr. is a financial advisor at Avisen Advisors, LLC in Sacramento, CA, with 39 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Avisen Advisors and its related entity Avisen Wealth Management since 2001 and 2003, respectively. Avisen Advisors provides investment management and financial planning services to individual and high-net-worth clients, as well as trusts, pension plans, and other entities. The firm employs a range of portfolio management strategies, including discretionary and non-discretionary approaches, and uses various advisory programs supported by custodial platforms and third-party managed account solutions.

Ryan Mason is a financial advisor with Argos Wealth Advisors LLC in Sacramento, CA, holding a Series 65 designation and four years of industry experience. He has been with Argos Wealth Advisors since 2007 and is part of an eight-advisor team. Argos Wealth Advisors provides investment management and financial planning services to individual and high-net-worth clients, as well as trusts, estates, and charitable organizations. The firm uses a risk-based, strategic asset allocation process with ongoing portfolio monitoring and offers discretionary management through mutual funds, ETFs, direct securities, or third-party managers tailored to client needs.

Dusty Hoetger is a CFP® with 20 years of industry experience, currently serving at Avisen Advisors, LLC since 2011. He has been involved with Avisen Wealth Management, Inc. since 2005. Outside of his advisory role, he volunteers with the Volunteer Income Tax Assistance (VITA/TCE) program and the Foundation for Financial Planning, providing tax preparation help and pro bono financial planning services. Avisen Advisors offers financial planning and portfolio management to individuals, business entities, trusts, pension and profit-sharing plans, and foundations. The firm utilizes a combination of direct portfolio management and third-party platforms, including model-driven strategies, and provides both discretionary and non-discretionary services.

Joseph Eschleman is a financial advisor at Towerpoint Wealth, LLC in Sacramento, CA, holding Series 63 and Series 65 licenses with 27 years of industry experience. He has worked at firms including Purshe Kaplan Sterling Investments, Wells Fargo Clearing, and Wells Fargo Advisors. He also advises clients on cryptocurrency investments through Eaglebrook Advisors. Towerpoint Wealth manages approximately $561 million for individuals, high-net-worth clients, trusts, estates, and business plans. The firm provides wealth management, financial planning, and retirement plan consulting, employing tailored investment strategies with ongoing portfolio monitoring and a multi-disciplinary approach.

Michelle Kessel Harbart is a financial advisor at Avisen Advisors, LLC with 14 years of industry experience. She holds the Series 66 designation and has worked at Avisen Advisors since 2019, as well as Avisen Wealth Management, Inc. since 2011. Prior to that, she was self-employed from 2003 to 2022. Avisen Advisors provides financial planning and portfolio management services to individuals, business entities, trusts, pension and profit-sharing plans, and foundations. The firm offers both discretionary and non-discretionary services, combining direct portfolio management with a broad use of third-party platforms and sub-advisers.

David Baskins is a financial advisor with Avisen Advisors, LLC in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has been with Avisen Advisors and its affiliated entity Avisen Wealth Management since 2005. Avisen Advisors provides financial planning and portfolio management services to individuals, including high-net-worth clients, business entities, trusts, pension and profit-sharing plans, and foundations. The firm combines direct portfolio management with third-party platforms and sub-advisers, offering a range of investment strategies and monitoring accounts through periodic and event-driven reviews.

Matthew Young is a CFP® professional with one year of experience, currently serving as an advisor at Planned Solutions, Inc. He has previous work experience with Young Wealth Management and non-financial roles including time with the Sacramento River Cats and at Wok of Pane. Planned Solutions, Inc. is a team advisory firm that provides discretionary portfolio management, financial planning, income tax preparation, and insurance implementation for a broad range of clients including individuals, high-net-worth clients, and charitable organizations. The firm utilizes model asset-allocation portfolios guided by capital markets forecasts and econometric models, and offers in-house tax expertise through advisors holding CPA or Enrolled Agent credentials.

Jiyao Peng is a financial advisor at Boyd Wealth Management, LLC in Sacramento, CA, with four years of industry experience. She holds the Series 66 designation and previously worked at Mariner Independent Advisor Network, LPL Financial, The Financial Services Network, Franklin Templeton, and State Street Bank & Trust Corporation. Outside of her advisory role, she co-owns a rental property with her parents. Boyd Wealth Management serves individuals, trusts, estates, corporations, and retirement plans by providing wealth management, financial planning, portfolio management, and retirement-plan consulting. The firm uses a goals-based, asset-allocation driven process with ongoing monitoring and rebalancing, incorporating ETFs, mutual funds, individual securities, and private investments.

Samantha Mockford is a CFP® and holds a Series 65 license with two years of industry experience. She has worked at Citrine Capital since 2023 and previously spent two years at Symphony Financial Planning. Prior to her financial advisory career, she was employed at Cru for 14 years. Citrine Capital serves individual and high-net-worth clients as well as small businesses, offering investment management alongside comprehensive financial planning and related services such as tax return preparation, college funding analysis, estate planning reviews, and business consultation. The firm employs a diversified, tax-aware investment approach within a Modern Portfolio Theory framework and manages accounts on a discretionary basis with regular monitoring and rebalancing.

Terence Triantafillidis is a financial advisor with The Salvetti Group in Sacramento, CA. He holds Series 63 and Series 65 licenses and has three years of industry experience, including prior roles at Fidelity Investments and Sacramento Credit Union. The Salvetti Group is a team of six advisors managing over $633 million in discretionary assets. The firm provides portfolio management and operates an in-house wrap fee program for individuals, trusts, retirement plans, and business entities, employing a range of investment strategies and offering access to a variety of financial instruments.

Jonathan Laturner is a financial advisor with Towerpoint Wealth, LLC in Sacramento, CA, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at Purshe Kaplan Sterling Investments and Wells Fargo Advisors. Towerpoint Wealth provides wealth management, financial planning, retirement plan consulting, and portfolio monitoring services to individuals, high-net-worth clients, trusts, estates, and business entities. The firm employs a combination of fundamental, technical, and cyclical analysis across various investment strategies tailored to client objectives.

Catherine Dunnam is a financial advisor with Planned Solutions, Inc., holding a Series 66 designation and 18 years of industry experience. She has worked at Planned Solutions since 2015 and previously spent 11 years with Securities Service Network, Inc. Dunnam also serves as a director at Planned Solutions and at Smith, Robertson & Johnson Insurance Services. Planned Solutions, Inc. offers discretionary portfolio management, financial planning, income tax preparation, and insurance implementation for a diverse client base, including individuals, high-net-worth clients, trusts, and business entities. The firm employs model portfolios guided by strategic and tactical asset allocation, supported by in-house tax expertise and a formal capital-markets valuation approach.

Joseph Hendrickson is a CFP® professional at PCM Encore, LLC with one year of industry experience. He previously worked at Berkshire Partners LLC, RSM US LLP, Apercen Partners LLC, and California Polytechnic State University. PCM Encore serves a range of clients including high-net-worth individuals, trusts, estates, charitable organizations, corporations, and retirement plans with services such as family office support, wealth management, financial planning, and outsourced CIO engagements. The firm focuses on diversified, long-term portfolio construction, combining passive and active investment strategies with tax-aware approaches, and manages approximately $2.045 billion in discretionary assets across ten advisers.

Justin Steingraber is a CFA® charterholder with 16 years of industry experience. He has worked at Boyd Wealth Management, LLC since 2020 and previously held positions at Wells Fargo Advisors and First Republic Investment Management. Boyd Wealth Management serves individual and high-net-worth clients as well as retirement plan sponsors, providing comprehensive wealth management, written financial planning, and retirement plan consulting services. The firm employs a goals-based planning process with disciplined asset allocation and manager selection, offering ongoing portfolio management across a range of public and private securities.

Colby Dotson is a financial advisor at Boyd Wealth Management, LLC with seven years of industry experience. He holds the CFP® designation and securities licenses Series 63 and Series 66. Prior to joining Boyd Wealth Management, he worked at Charles Schwab, TD Ameritrade, and Fidelity Investments. Outside of advisory work, Mr. Dotson is a licensed insurance agent. Boyd Wealth Management serves individuals, trusts, estates, corporations, and employer-sponsored retirement plans by providing comprehensive wealth management, financial planning, and portfolio management services. The firm emphasizes a goals-based, asset-allocation driven investment approach tailored to clients’ risk profiles and time horizons, complemented by ongoing monitoring and use of third-party sub-advisors.

Larry Stiver is a financial advisor at RiverPath Investments LLC with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Sterling Advisors Inc and Storehouse Financial, among other roles. Outside of advisory work, he owns an insurance agency offering employee benefits and special risk insurance, and he is a part-owner and CFO of VistaCore, a firm providing hour banking for fringe benefits. RiverPath Investments LLC provides individualized asset management and pension consulting to individuals, high-net-worth clients, trusts, retirement plans, and business entities. The firm’s investment approach incorporates fundamental, technical, and cyclical analysis, with portfolios tailored to client objectives and risk tolerance.

Chase Armer is a CFP® with 24 years of industry experience, currently serving at Planned Solutions, Inc. since 2002. His prior experience includes 16 years with Securities Service Network Inc. He is active in the community as president of the Rancho Cordova Rotary Club Foundation and serves as treasurer of the Rancho Murieta Men's Golf Club. Planned Solutions, Inc. provides discretionary portfolio management, financial planning, income tax preparation, and insurance implementation for a range of clients including individuals, high-net-worth clients, and charitable organizations. The firm uses model asset-allocation portfolios combined with strategic and tactical asset allocation, supported by in-house tax expertise and formal capital-markets valuation techniques.