Joseph Hendrickson is a CFP® professional currently with PCM Encore, LLC. He has one year of experience at PCM Encore and previously worked at Berkshire Partners LLC, RSM US LLP, Apercen Partners LLC, and California Polytechnic State University. PCM Encore provides investment management, financial planning, family-office, and consulting services to a diverse client base including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm manages just over $2.0 billion in assets using a Modern Portfolio Theory-based approach with diversified, tax-aware portfolios and integrates family-office functions alongside outsourced CIO and retirement-plan consulting services.

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.

I started in this industry in 2008. I'm so grateful to have experience supporting clients through the great recession. It taught me the value of a disciplined investment approach, using empirical data and math to manage portfolios and remove the emotions that cause us to make poor investment decisions. My framework for advice is goals focused. We figure out how you want to use your money during your lifetime, then work backwards to arrive at the best financial decisions to support your goals. This is our guiding light. I'm passionate about financial education and empowering clients to understand the "why" behind the "what to do". My personal journey includes: - Joining a fintech startup as the 4th employee, where I learned to pivot and adapt quickly. - Working with high-earning professionals, which taught me advanced tax-planning strategies. - Teaching financial education webinars, where I honed the ability to simplify complex concepts. I provide a white-glove service to support every financial decision and bring peace of mind. Every day, I’m grateful to serve people.

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.

Brian Boyd is a CFP® and ChFC® with 28 years of industry experience, currently serving as an advisor at Boyd Wealth Management, LLC since 2018. Prior to that, he spent 24 years with Northwestern Mutual Life and its investment management division. Outside of advisory work, he is a partner in Boyd Insurance Services, LLC, and holds a minority ownership in a fertilizer manufacturing and distribution company. Boyd Wealth Management advises individuals, trusts, estates, corporations, and retirement plans with comprehensive wealth management and financial planning services. The firm follows a goals-based, asset-allocation driven approach, managing portfolios with ETFs, mutual funds, individual securities, and other investments while providing ongoing monitoring and periodic rebalancing.

Tim Brockway is a financial advisor with RiverPath Investments LLC, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked at RiverPath Investments since 2015 and previously at Storehouse Financial and Mass Mutual Life Insurance. Outside of his advisory role, Tim owns ASG Insurance and Financial Services, Inc., which provides life and health insurance services. RiverPath Investments LLC offers customized asset management and retirement-plan consulting to individuals, trusts, pension plans, and corporate clients. The firm employs fundamental, technical, and cyclical analysis, providing portfolios with a range of securities and access to an Institutional Intelligent Portfolios™ program through Schwab.

Hao Dang is a financial advisor at Consilio Wealth Advisors, LLC with 11 years of industry experience. He holds the Series 66 designation and has previously worked at Strategic Wealth Advisors Group, Inc. and LPL Financial, LLC. Consilio Wealth Advisors is a fiduciary registered investment advisor serving individuals and high-net-worth clients with discretionary investment management and financial planning. The firm utilizes Modern Portfolio Theory and fundamental analysis with a long-term orientation, and it incorporates strategies including options and derivatives within separately managed accounts.

Americo Salvetti is a CFP® with 26 years of industry experience, currently serving at The Salvetti Group. He previously worked for Raymond James Financial Services Advisors Inc. and Raymond James Financial Services, Inc. from 2014 to 2023. The Salvetti Group provides discretionary portfolio management and advisory services to individuals, high-net-worth clients, trusts, pension and profit-sharing plans, and business entities. The firm manages approximately $607 million in assets across about 1,843 client relationships, employing a range of investment strategies and sponsoring its own wrap-fee program.

Forrest Means is a Series 65-licensed advisor at Cross State Financial Group LLC with five years of industry experience. He has worked at Cross State Financial Group since 2022 and previously at Financial Depot from 2020 to 2022. Outside of finance, he serves as an instructor at Nor Cal Emergency Medical Training and NCTI/AMR. Cross State Financial Group serves individuals, charities, and retirement plans with financial planning, portfolio management, and third-party adviser recommendations. The firm employs a combination of fundamental analysis and tactical asset allocation and operates from nine offices with a team of nine advisors managing approximately $166.8 million in discretionary assets.

Nicholas Salvetti is a CFP® with 27 years of industry experience, currently serving as an advisor at The Salvetti Group. He previously worked at Raymond James Financial Services Advisors Inc. and Raymond James Financial Services, Inc. from 2014 to 2023. The Salvetti Group provides discretionary portfolio management and advisory services to individuals, high-net-worth clients, trusts, pension and profit-sharing plans, and business entities. The firm manages approximately $607 million in assets under management across about 1,843 client relationships and sponsors its own wrap-fee program, employing a broad range of investment strategies executed exclusively by in-house advisers.

Patricia Pedrucci is a financial advisor at The Salvetti Group with 7 years of industry experience. She holds Series 65 and Series 63 licenses and has been with The Salvetti Group since 2019. She also has experience with Raymond James Financial Services, where she has been associated since 2014. The Salvetti Group provides discretionary portfolio management and sponsors an in-house wrap fee program for individuals, high-net-worth clients, trusts, retirement plans, and business entities. The firm uses a variety of investment strategies and instruments, including stocks, bonds, ETFs, options, and private securities, with all portfolio management conducted in-house.

Drew Marchitello is a financial advisor at Delta Investment Management, LLC with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Perigon Wealth Management, LLC and J.P. Morgan Securities LLC. Delta Investment Management provides discretionary investment management and consulting services to individuals, institutions, trusts, and pension plans, as well as serving as a subadvisor to other advisory firms. The firm offers a range of strategies including systematic ETF-based tactical rotation, concentrated equity mandates, and alternative investments, integrating financial planning into its asset management services.

Scott Mcintyre is a CFP® professional with 27 years of industry experience, currently serving as an Investment Advisor Representative at Planned Solutions, Inc. He previously worked for nine years at Securities Service Network and has been with Planned Solutions since 2008. Outside of his advisory role, he is a board member of the Santa Fe Botanical Garden. Planned Solutions, Inc. is a team firm that provides discretionary portfolio management, financial planning, income tax preparation, and insurance implementation for a diverse client base. The firm utilizes model asset-allocation portfolios combining strategic and tactical allocation, supported by in-house tax expertise and an investment committee that monitors and rebalances portfolios.

Terry Feil Jr. is a financial advisor at Avisen Advisors, LLC with 49 years of industry experience. He holds Series 63 and Series 65 licenses and has been associated with Avisen Wealth Management, Inc. since 2003 and Avisen Advisors since 2022. Avisen Advisors provides financial planning and portfolio management services to individuals, including high-net-worth clients, as well as business entities, trusts, pension and profit-sharing plans, and foundations. The firm uses a combination of direct portfolio management and third-party platforms, offering a range of investment strategies and monitoring accounts through periodic and event-driven reviews.

Nathaniel Yurica is a financial advisor at The Institute with 11 years of industry experience. He holds a Series 66 designation and has worked at several firms, including the Institute for Wealth Management LLC since 2019 and prior roles at International Assets Advisory, LLC and Concert Wealth Management, Inc. Yurica is also CEO of Yurica Wealth Management S-Corp, a role he performs without compensation. The Institute for Wealth Management offers discretionary and non-discretionary investment management and financial planning to individuals, trusts, retirement plans, charitable organizations, and business entities. The firm employs a team-based investment approach combining fundamental and technical analysis and manages over $1 billion in assets across multiple strategies and private pooled vehicles.

Kenneth Brown is a financial advisor with Avisen Advisors, LLC in Sacramento, CA, holding Series 63 and Series 65 licenses and 44 years of industry experience. He has been with Avisen Wealth Management, Inc. since 2003 and Avisen Advisory, LLC since 2001. Avisen Advisors provides financial planning and portfolio management services 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, offering a range of strategies and investment approaches tailored to client needs.

Lacey Fonseca Lawrence is a CFP® professional at The Salvetti Group with one year of industry experience. Prior to joining The Salvetti Group, she worked at Vanguard Investments Australia for nine years. The Salvetti Group provides discretionary portfolio management and advisory services to individuals, high-net-worth clients, trusts, pension and profit-sharing plans, and business entities. The firm manages approximately $607 million in assets across about 1,843 client relationships and employs a range of investment strategies through its in-house advisers.

Daryl Wong is a CFP® and holds a Series 66 license with 17 years of industry experience. He is affiliated with Planned Solutions, Inc. and Smith, Robertson & Johnson Insurance Services, where he has worked since 2016. Wong serves as the Director of Career Development for the Financial Planning Association, Sacramento. 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 business entities. The firm utilizes model asset-allocation portfolios combined with strategic and tactical asset allocation, supported by in-house tax expertise and formal capital markets valuation techniques.