Karsten Dornseif is a CFP® and holds a Series 65 license with 17 years of industry experience. He has been with Bowers Wealth Management, Inc. since 2009. Bowers Wealth Management provides discretionary investment management and portfolio advisory services to individuals, trusts, estates, charitable organizations, and corporations. The firm manages approximately $298 million in discretionary assets and focuses on personalized portfolio strategies emphasizing long-term growth and a constrained investment universe limited to Fidelity mutual funds and ETFs.

Michael Wells is a financial advisor at Tidwell Wealth Management LLC in Rocklin, CA, holding a Series 65 designation with eight years of industry experience. He has worked at Tidwell Wealth Management since 2020 and previously spent two years with Peak Investment Solutions, LLC. Outside of advising, Wells is a member of SROP 2, LLC, a non-investment related business. 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 follows a long-term, asset-allocation driven investment approach using primarily passively managed mutual funds and integrates financial planning on tax, estate, insurance, and cash-flow matters alongside portfolio oversight.

Paola Quintero Salazar is a financial advisor at True Wave Financial Planners with a Series 65 credential and three years of industry experience. She previously worked at Lucas Group Financial Planners, Inc. and provided financial wellness services at Sacramento State. True Wave Financial Planners serves individual clients, including high-net-worth households, as well as retirement plans and small businesses, offering model-based portfolio management and financial planning with a focus on goal-oriented, discretionary investment strategies.

Shakeb Kundiwala is a financial advisor at ShariaWiz Advisory with four years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at NYLIFE Securities LLC and Northwestern Mutual. Outside of his advisory work, he is involved with the Sacramento Metro Muslim Chamber of Commerce and has a long-term role at Workative Inc. ShariaWiz Advisory is a Sharia-compliant wealth management firm offering discretionary investment management, financial planning, and pension consulting. The firm serves individuals, qualified retirement plans, trusts, and other entities, employing a tactical asset-allocation approach with Shariah screening and affiliated estate-planning support.

Nathan Torinus is a financial advisor at TOR Wealth Advisors, LLC with 11 years of industry experience. He holds the Series 66 designation and has previously worked at Van Hulzen Asset Management and Genovese Burford & Brothers. Outside of his advisory work, he is a member of Sacramento Angels, a club of early-stage company investors, where he participates in the due diligence committee. TOR Wealth Advisors serves individuals, trusts, estates, businesses, retirement plans, and pooled investment vehicles, providing discretionary investment management, financial planning, family office services, and retirement plan advisory. The firm employs a customized, generally long-term investment approach using low-cost funds, individual securities, and independent managers, and also sponsors private funds for accredited investors.

Jeffrey Adams is a CFP® with 27 years of industry experience and is a principal at Adams Ashby Financial Advisors in Sacramento, CA. He has been with AF Advisors, Inc. since 2009. Outside of his advisory role, he manages family-owned real estate interests and provides financial consultation related to these investments. Adams Ashby Financial Advisors offers comprehensive portfolio management and financial planning services to individuals, high-net-worth clients, trusts, estates, pension and profit-sharing plans, and corporate clients. The firm employs a range of investment strategies, including discretionary advice with fundamental, technical, and cyclical analysis, and manages approximately $737 million in assets.

David Waldrop is a CFP® with 24 years of industry experience and has been with Bridgeview Capital Advisors, Inc. since 2005. He holds Series 63 and Series 65 licenses and is also a licensed insurance agent, dedicating limited time to insurance services through Bridgeview Insurance Services. Bridgeview Capital Advisors, Inc. provides investment advisory, financial planning, tax planning, and pension consulting to individuals, high-net-worth clients, and corporate plans. The firm employs fundamental and technical analysis with broad asset-allocation strategies, managing over $122 million in client assets through both discretionary and non-discretionary approaches.

Samuel Vance is a financial advisor at True Wave Financial Planners in Sacramento, CA, holding a Series 65 credential. He has one year of industry experience and previously worked at Birthday Butler and NuYo Frozen Yogurt. 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 with discretionary management and offers written financial planning engagements, focusing on asset allocation, mutual fund and ETF analysis, and ongoing supervision.

Heather Huppe is a CFP® with 16 years of industry experience and currently serves at Dachtler Wealth Advisors, LLC. Her prior roles include positions at Calton & Associates, Inc., Dachtler Wealth Management, LLC, and Ameritas Investment Corp. Dachtler Wealth Advisors is a small SEC-registered firm serving individual investors, trusts, estates, and retirement plans. The firm primarily implements client portfolios through third-party model providers and sub-advisers, offering a range of investment strategies including mutual funds, ETFs, and direct indexing.

Nyle Bayer is a financial advisor at UP Capital Management, Inc. with 11 years of industry experience. He holds a Series 65 designation and has worked with several firms including Wealthreach and Future Proof (Advisor Circle). Bayer is also involved with Modelist, Inc. outside of his advisory role. UP Capital Management provides investment advisory and financial planning services to individuals, retirement plan sponsors, and other entities. The firm utilizes tactical and strategic asset allocation with a variety of model portfolios, combining fundamental, technical, and cyclical analysis, and advises on a broad range of investment instruments.

Michael Tate is a financial advisor at Tate Private Wealth Advisers in Sacramento, CA, holding the PFS™ designation and Series 65 license with 19 years of industry experience. He has worked at Diversified Fund Advisors since 2008 and has been involved with Tate Wealth Management and Tate, Propp, Beggs & Sugimoto since 2005 and 1999, respectively. Tate Private Wealth Advisers provides discretionary portfolio management and investment advice to individuals, pension and profit-sharing plans, trusts, estates, and business entities, including high-net-worth clients. The firm utilizes mutual funds and ETFs based on third-party research and model portfolios, with daily monitoring and quarterly reviews, and maintains an affiliation with an accounting practice, Tate Associates, LLP, facilitating cross-referrals while keeping services separate.

Richard Atha is a financial advisor at WaterRock Wealth Management with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Prien Asset Management, Center Street Advisors, and OnPointe Advisory and Financial Services. Outside of advisory services, he operates Atha Consulting, where he teaches debt management techniques and sells fixed insurance products. WaterRock Wealth Management provides discretionary investment management and financial planning services to individuals and high-net-worth clients, overseeing approximately $153.7 million in assets. The firm constructs customized, primarily long-term portfolios emphasizing low-cost mutual funds and ETFs, and employs various analytical methods in portfolio management.

Christopher Carolan is a CFP® professional with 24 years of industry experience. He is the sole advisor at Dimensions Wealth Management, LLC, where he has worked since 2018. Prior to that, he held positions at Morgan Stanley and Morgan Stanley Private Bank. Outside of his advisory role, he is involved with an estate planning team in Roseville, CA, focusing on marketing and explaining deferred sales trust strategies. Dimensions Wealth Management is a small SEC-registered advisory firm serving individual and high-net-worth clients as well as employer retirement plan sponsors. The firm offers comprehensive portfolio management and retirement plan consulting, emphasizing asset-allocation-based strategies with options for discretionary or non-discretionary management.

Michael Hagerty is a Series 65-licensed financial advisor at Eckel Financial Advisors with four years of industry experience. Prior to joining Eckel Financial Advisors, he worked for Trinity Consultants for ten years. Outside of advising, he owns consulting and family partnership businesses. Eckel Financial Advisors provides discretionary portfolio management primarily to individual investors, trusts, pension plans, and family investment entities. The firm employs a strategic allocation approach across various asset classes with risk-management techniques and permits borrowing activity in client accounts.

Mario Rodriguez is a financial advisor with Ridge Capital Advisors, LLC in Carmichael, CA, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. His career includes roles at Net Worth Consulting, LLC, Next Financial Group, Inc., and Transamerica Financial Advisors. He is also a licensed insurance agent involved in insurance sales through a related business activity. Ridge Capital Advisors provides discretionary investment management and retirement-plan advisory services to individuals, high-net-worth clients, and employer-sponsored plans. The firm’s investment programs are guided by documented policy statements and employ fundamental, technical, and cyclical analysis alongside independent managers when appropriate.

Alexandre Anselme is a financial advisor at Anselme Capital, Inc. in Seattle, WA, holding a Series 65 designation with nine years of industry experience. He has worked at Anselme Capital since 2016 and previously was affiliated with Skema Business School from 2014 to 2016. Anselme Capital provides discretionary and non-discretionary portfolio management and retirement-account advice to individuals, corporations, trusts, and estates. The firm develops Financial Profiles and Investment Plans for clients and implements them using proprietary model portfolios focused on mutual funds, ETFs, and selected individual equities, with an emphasis on asset-class funds and periodic rebalancing.

Jeffery Hardin is a financial advisor with Fiduciary Solutions LLC in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. His background includes roles at Peak Financial Freedom Group, LLC and American Global Wealth Management. Outside of his advisory work, Hardin is involved in merchandise distribution as a member and owner of Runwell Fleet. Fiduciary Solutions serves individual and high-net-worth clients by selecting and monitoring third-party money managers and developing client-specific investment policy statements. The firm operates as a fiduciary with a focus on retirement cash flow and downside risk mitigation, conducting ongoing due diligence on designated money managers rather than managing portfolios directly.

Michael Gebhardt Jr. is a financial advisor with Sterling Retirement Group of Sacramento, holding a Series 65 designation and seven years of industry experience. Prior to joining Sterling Retirement Group, he worked at Oracle Corporation for three years. He is also a licensed insurance agent specializing in life, accident, and health insurance. Sterling Retirement Group of Sacramento advises individuals, retirement accounts, trusts, corporations, and other business entities on comprehensive financial planning, portfolio management, and business consulting for family or closely held businesses. The firm combines fundamental and technical analysis with a focus on value, safety, quality, and risk control, managing approximately $177 million in discretionary client assets.

Brian Souders is a financial advisor at Sterling Retirement Group of Sacramento with 10 years of industry experience. He holds a Series 65 credential and has worked at Sterling Retirement Group since 2016, as well as at ArcPoint Financial Advisors LLC and its predecessor firm since 2014. Outside of his advisory role, Souders owns and operates Souders Financial & Insurance, LLC, where he sells indexed life and fixed indexed annuities. Sterling Retirement Group of Sacramento serves individual and high-net-worth clients, along with family and closely held businesses, offering financial planning, consulting, portfolio management, and business consulting services. The firm utilizes a combination of fundamental and technical analysis with an emphasis on value, safety, quality, and risk control, managing accounts on both discretionary and nondiscretionary bases.

Ryan Elmer is a financial advisor at Bangerter Financial Services, Inc. in Roseville, CA, with one year of industry experience. He holds a Series 65 designation and has been the owner and preparer at Innovative Tax Solutions since 2011, providing income tax preparation services. Bangerter Financial Services offers discretionary portfolio management, financial planning, and ERISA 3(21) plan advisory services to individuals, high-net-worth clients, small businesses, and charitable organizations. The firm employs a range of investment strategies including fundamental and cyclical analysis and often utilizes third-party money managers and sub-advisors for portfolio implementation.