Ryan Elmer is a financial advisor at Bangerter Financial Services, Inc. in Folsom, CA, holding a Series 65 credential with one year of industry experience. He is also the owner and preparer at Innovative Tax Solutions, a tax preparation business he has operated since 2011. Bangerter Financial Services primarily serves individual clients, including high-net-worth households, as well as small businesses and charitable organizations. The firm offers discretionary asset management, ERISA plan advisory services, and financial planning, often utilizing third-party managers and sub-advisors to implement client portfolios.

Edward Smelich is a financial advisor with Dreams Investment Solutions, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. His career includes roles at firms such as Transamerica Financial Advisors, Equitable Advisors, and LPL Financial. Outside of advisory work, he operates as a Results/Success/Life Coach through his business, We Are Aware. Dreams Investment Solutions is a state-registered investment adviser that serves institutional clients by providing discretionary subadvisory investment management. The firm employs a top-down macroeconomic approach using public data to manage portfolios focused on lower volatility and principal protection, primarily working through institutional clients rather than direct retail relationships.

Peter Moulton is a CERTIFIED FINANCIAL PLANNER™ professional with 12 years of industry experience. He has worked at Twin Rivers Wealth Management since 2019 and previously spent five years with Cambridge Investment Research Advisors. Twin Rivers Wealth Management offers wealth management, retirement plan management, and tax services primarily to individual and high-net-worth clients, as well as pension and profit-sharing plans and corporations. The firm’s investment approach focuses on appropriate asset allocation and long-term investing, utilizing a range of securities including individual stocks, mutual funds, ETFs, and bonds.

James Boyle is a financial advisor at Dynamic Wealth Strategies, LLC with 17 years of industry experience. He holds a Series 66 designation and has been with Dynamic Wealth Strategies since 2013. Outside of his advisory role, Boyle is a licensed California insurance agent and a real estate agent, and he serves as a principal of Rosewind, LLC, a pooled investment vehicle. Dynamic Wealth Strategies is a team-based registered investment adviser serving individuals, trusts, corporations, retirement plans, and pooled investment vehicles. The firm offers discretionary portfolio management through customized and model-based programs, financial planning, retirement-plan consulting, and tax services via an affiliated professional.

Jeffrey Bangerter is a financial advisor at Bangerter Financial Services, Inc. with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Berthel Fisher & Company Financial Services, Inc. and Concorde Asset Management, LLC. Outside of his advisory role, he is involved in various businesses including solar energy financing, internet marketing, mortgage lending, and the sale of rare coins and precious metals. Bangerter Financial Services primarily serves individual clients, high-net-worth households, small businesses, and charitable organizations. The firm offers discretionary asset management, ERISA plan advisory, and financial planning services, using fundamental and cyclical analysis to manage portfolios and often partnering with third-party managers and sub-advisors.

Kelvin Kwan is a financial advisor at Integrated Advisors Wealth Management LLC with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has held roles at AE Financial Services, Liberty Wealth Management, Liberty Group, and Granite Bay Asset Management. Outside of his advisory role, he serves as a registered representative at AE Financial Services and provides financial planning services through Granite Bay Asset Management Group. Integrated Advisors Wealth Management LLC offers advisory services to individuals, high-net-worth clients, pension plans, and corporations. The firm combines modern portfolio allocation with active and passive strategies and provides discretionary investment management, ongoing financial planning, and retirement plan consulting.

Grant Bledsoe is a CFP® and CFA® with 12 years of industry experience, currently serving as an advisor at Three Oaks Wealth in Gold River, CA. He has been involved with Three Oaks Capital Management since 2014 and founded Three Oaks Business Consulting in 2020. In addition to his advisory work, Grant launched Three Oaks Tax in 2024, providing tax preparation and consulting services. Three Oaks Wealth serves individuals, families, trusts, estates, and employer-sponsored retirement plans, offering comprehensive financial planning and discretionary investment management. The firm employs a modern portfolio theory-based approach, combining top-down strategic asset allocation with bottom-up security selection to build diversified portfolios tailored to clients’ risk profiles.

Gary Libhart is a financial advisor at Guanill Wealth Management with 13 years of industry experience. He holds Series 65 and Series 66 licenses and has worked in financial services since 2003, including roles at the Institute for Wealth Advisors and Libhart Insurance Services, which he owns and operates. Guanill Wealth Management is a fee-based advisory and referral firm that provides fixed-fee financial planning and public education while placing clients with third-party registered investment advisers. The firm uses a client-specific approach incorporating fundamental, technical, and cyclical analysis and offers educational seminars and workshops across multiple office locations.

Kevin Wells is a financial advisor at Tidwell Wealth Management LLC with eight years of industry experience. He holds a Series 65 designation and has worked at Tidwell Wealth Management since 2020, following two years at Peak Investment Solutions and ongoing involvement with Tidwell & Associates, LLP since 2012. Tidwell Wealth Management provides discretionary investment management and retirement-plan advisory services to individuals, trusts, charitable organizations, businesses, and participant-directed employee retirement plans. The firm employs a long-term, asset-allocation driven investment approach centered on passively managed mutual funds and utilizes model portfolios alongside a sub-advisory relationship with Focus Partners – Advisor Solutions.

Matthew Page is a Certified Financial Planner (CFP®) with 23 years of industry experience. He currently works at True Wave Financial Planners and has previously been with Lucas Group Financial Planners, Inc. and Securities Service Network, Inc. He serves as a board member of the Sacramento Estate Planning Council and is president of the Financial Planning Association Northern California Chapter. True Wave Financial Planners primarily serves individual clients, including high-net-worth households, as well as retirement plans and small businesses. The firm uses goal-oriented model portfolios managed on a discretionary basis, combining asset allocation and mutual fund/ETF analysis, with ongoing supervision and customized investment restrictions.

Mikus Mergups is a CFP® with 17 years of industry experience, currently serving as an advisor at Advent Capital LLC since 2013. He holds Series 63 and Series 66 licenses and is also individually licensed as a Life/Health insurance agent in California, a business he conducts outside of Advent Capital and outside regular trading hours. Advent Capital LLC provides discretionary portfolio management primarily to individual and high-net-worth clients, offering customized investment policy statements and ongoing supervisory services across a range of securities. The firm employs both fundamental and technical analysis and utilizes various trading strategies with regular account reviews to align with client risk tolerances and objectives.

Brian Peardon is a financial advisor at Bridgeport Financial Solutions with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Cambridge Investment Research Advisors, Harvest Investment Services, Concourse Financial Group Securities, and Eagle Strategies. Outside of his advisory work, he is an independent insurance agent. Bridgeport Financial Solutions serves individual and institutional clients, including high-net-worth households and retirement plans, offering investment management, financial planning, and retirement-plan advisory services. The firm employs a model portfolio approach overseen by an Investment Committee and provides discretionary management through wrap programs and advisor-managed portfolios, with access to both affiliated and third-party strategists.

Marcos Lemus is a financial advisor at Bulman Wealth Group in Roseville, CA, holding a Series 65 registration with three years of industry experience. Prior to joining Bulman Wealth Group in 2021, he worked for Spring Education, Merryhill for eight years. He is also involved in insurance sales through BWG Insurance Agency, an affiliated business of the firm. Bulman Wealth Group serves individual and high-net-worth clients, as well as trusts, estates, corporations, and retirement plans, providing financial planning, discretionary portfolio management, and estate-planning assistance. The firm employs a variety of investment approaches and maintains an active role in insurance distribution through licensed advisors and an affiliated insurance agency.

Ryan Triplett is a CFP® and ChFC® with 19 years of industry experience. He has been with Boyd Wealth Management, LLC since 2018 and previously worked at Brian Boyd and Northwestern Mutual. Ryan is also a partner in Boyd Insurance Services, LLC, where he dedicates a limited amount of time to insurance services. Boyd Wealth Management serves individuals, trusts, estates, corporations, and retirement plans, providing comprehensive wealth management, financial planning, and portfolio management. The firm employs a goals-based, asset-allocation driven approach with ongoing monitoring and uses a combination of ETFs, mutual funds, individual securities, and third-party sub-advisors to manage client assets.

Scott Roseman is a financial advisor at Roseman Wagner Wealth Management with 31 years of industry experience. He holds Series 63 and Series 65 designations and has been with Roseman Wagner since 2008. Roseman serves as a director of The Scott and Tara Roseman Foundation and holds board and management roles in several nonprofit and agricultural ventures, including rice farming and a horse cutting business. Roseman Wagner Wealth Management provides financial planning, discretionary investment management, and retirement plan consulting to individuals, pension and profit-sharing plans, corporations, charitable organizations, and a pooled private investment vehicle. The firm employs a fundamental, discount-from-value investment approach and manages concentrated, disciplined strategies across individual and pooled accounts.

Matthew Jude is a CFP® with five years of industry experience and is currently an advisor at Rebalance LLC. His prior experience includes roles at Lucas Group Financial Planners, Amazon, United Parcel Service, Black Sheep Bar & Grill, and Morris & Garritano Insurance Agency. Rebalance LLC provides investment management and financial planning services to individuals, retirement plans, pooled vehicles, and charitable organizations, managing approximately $1.56 billion in discretionary assets. The firm uses a strategic asset allocation framework centered on ETFs and offers both a standardized Rebalance360 program and personalized wealth management services.

Tim Smith is a financial advisor at API Financial Advisors, LLC with 29 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. His prior experience includes roles at Packerland Brokerage Services, StrategerY Advisors, and several other firms dating back to 2004. He is involved in insurance sales through StrategerY Advisers, Inc. API Financial Advisors, LLC serves individual and high-net-worth clients by providing financial planning, discretionary portfolio management, and participant account management. The firm uses individualized portfolios with model strategies managed by an affiliated sub-adviser and applies a combination of technical and fundamental investment analysis across a broad range of securities.

Marion Hebert is a financial advisor at The Salvetti Group with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Central Valley Advisors, Raymond James Financial Services, Wealth Strategies Inc., and Motif Investing. 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 employs a combination of fundamental, technical, quantitative, and qualitative analysis to manage portfolios using a variety of instruments, including stocks, bonds, mutual funds, ETFs, options, structured notes, and private securities.

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.