I am an independent 'Fee-Only' financial planner and advisor. I am a fiduciary focused on giving objective, holistic, and comprehensive financial advice. I also work with individuals helping to navigate whatever stage of life you are in, from building wealth all the way to preserving what you’ve already worked hard to build. My background is in finance and financial planning. After receiving my Bachelor of Science degree from Sacramento State's Financial Planning program, I continued to advance my financial planning and advisory experience and knowledge by obtaining various credentials, including the CERTIFIED FINANCIAL PLANNER® marks, also known as the CFP® marks. This noteworthy designation is generally considered to be the 'Gold Standard' in financial planning. With my prior firm, I was responsible for creating many of the most complex financial plans. Additionally, I was on the firm's Investment Committee, playing a role in the direction of the various portfolio allocations and recommendations that were used for clients. I also provide outsourced financial planning services for other advisors through Foundation Financial Planning. In doing this work, I continue to improve and hone my planning skills by gaining valuable insight into how financial plans are done with a firm that specializes in doing plans for all sorts of advisors. I currently reside in Rocklin CA, with my wife and young growing family. In my free time, I enjoy spending time with my family, exploring the outdoors, BBQing, and tinkering with things around the house.

Mark Dyer is a financial advisor at Mechfi in Sacramento, CA, with nine years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Merrill, Bank of America Corp, Edward Jones, J.P. Morgan Securities, Comerica Securities, Motif, and Lumity, Inc. Outside of his advisory role, he is a 25% owner of Mary's Mobile Kitchen, a restaurant business, for which he creates marketing materials. Mechfi provides fee-based advisory services to individuals, trusts, estates, charitable organizations, corporations, and employer-sponsored retirement plans. The firm’s investment process follows Modern Portfolio Theory and uses diversified portfolios of ETFs, mutual funds, REITs, individual equities, and fixed income, with ongoing monitoring and client education through newsletters and seminars.

Ryan Demartini is the sole advisor at JC Financial Services, an independent firm based in Loomis, CA. He holds Series 63 and Series 65 licenses and has 10 years of industry experience. In addition to his advisory role, Demartini provides bookkeeping and tax preparation services through his separate business, JC Bookkeeping. JC Financial Services serves individual investors and small businesses with financial planning, investment management, and retirement plan services. The firm focuses on passive portfolio construction using index mutual funds and ETFs, incorporates third-party managers when appropriate, and offers ongoing planning with periodic reviews. Its affiliation with an in-house bookkeeping and tax practice supports integrated client services and employer retirement plan education.

Blake Fischer is a financial advisor with Fiduciary Wealth Partners in Citrus Heights, CA. He holds a Series 65 designation and has six years of experience with Fiduciary Wealth Partners. Outside of his advisory role, he works as a financial program manager at Pacific Gas & Electric, providing financial analysis to Electric Operations leaders. Fiduciary Wealth Partners offers customized investment management and financial planning services to individuals, high-net-worth clients, trusts, estates, small businesses, charitable organizations, and pension/profit-sharing plans. The firm employs an asset-allocation driven investment process informed by macroeconomic analysis and valuation, with an emphasis on cost-effectiveness and ongoing portfolio monitoring.

Kwadwo Osei is a CFA® charterholder and the sole principal of Atwima Wealth Management LLC, with one year of experience in the financial industry. He previously worked at Integrity Growth Partners as Vice President of Finance and Chief Compliance Officer, and has held roles at CIM Group and Citizens Financial Group. Osei maintains a full-time finance and compliance position at Integrity Growth Partners, a private equity firm. Atwima Wealth Management LLC provides asset management and financial planning services to individuals and small business owners, offering a range of investments including stocks, bonds, mutual funds, ETFs, REITs, and cryptocurrency. The firm employs both fundamental and technical analysis and manages accounts on a non-discretionary basis, incorporating various investment strategies and alternative investments.

Richard Loek is a financial advisor with Onesta Wealth Management, LLC in Sacramento, CA, holding a Series 65 designation and 18 years of industry experience. He has been with Onesta Wealth Management since 2012 and also runs Calrima Financial & Insurance Agency, where he serves as CEO and insurance agent. Onesta Wealth Management provides personalized financial planning and asset management services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm employs a mix of fundamental, technical, and cyclical analysis for portfolio monitoring and offers educational seminars and workshops without charge.

Tristan Payne is a financial advisor at Sow and Reap Financial LLC with one year of industry experience. He holds a Series 65 designation and previously worked at Finisar Corp for nine years. Sow and Reap Financial LLC provides advisory services to individual clients, including both non‑high‑net‑worth and high‑net‑worth individuals, through discretionary investment management and project‑based financial planning. The firm emphasizes asset-allocation strategies using no‑load mutual funds and ETFs, with a focus on passive management, long-term equity holdings, and tax-aware portfolio rebalancing.

James Schroeder is the sole advisor at Covered Edge Asset Management, LLC in Roseville, CA, holding Series 63 and Series 65 designations with 15 years of industry experience. He has been with Covered Edge Asset Management since its founding in 2011. Covered Edge Asset Management provides discretionary portfolio management to individuals, high-net-worth clients, and business owners, creating personalized Investment Policy Statements based on clients’ goals, income, tax situations, and risk tolerance. The firm integrates charting, fundamental and technical analysis, and employs a range of strategies including long-term investing, active trading, options writing, and short sales, with performance-based fee arrangements available for qualified investors.

Walter Romatowski is a CFP® certificant with 18 years of industry experience and is the sole advisor at Castellan Financial Advisors in Newcastle, CA. He has worked at Castellan Wealth Management, Inc. since 2007. Castellan Financial Advisors provides fee-only financial planning and investment services to individuals, trusts, estates, charitable organizations, and businesses. The firm employs a core-and-satellite investment approach with non-discretionary asset management, using mutual funds and ETFs combined with fundamental and technical analysis.

Gloria Rodriguez is a CFP® with 10 years of industry experience, currently serving as the sole advisor at Golden Wealth Capital, LLC. Her prior roles include positions at CAPTRUST, Fulfilled Finances LLC, and Northwestern Mutual Investment Services. Golden Wealth Capital provides ongoing portfolio management and financial planning primarily for individual and high-net-worth clients, offering services such as Investment Policy Statement development, discretionary portfolio management, and retirement-account fiduciary advice. The firm combines fundamental analysis, modern portfolio theory, and technical analysis in its investment process and offers educational seminars to organizations and the public.

David Herman is a financial advisor at Cypress Point Financial Advisors in Sacramento, CA, with 31 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Purshe Kaplan Sterling Investments since 2013. Cypress Point Financial Advisors provides asset and portfolio management services, including financial planning and investment oversight for individuals and business entities. The firm employs a blend of fundamental analysis and varied trading strategies to manage diversified portfolios across equities, debt securities, and pooled vehicles, serving both individual and institutional clients.

Samer Dhillon is a financial advisor at Quest Investment Firm in Sacramento, CA, holding a Series 65 designation with 12 years of industry experience. He previously worked at Atlas Capital, LLC from 2019 to 2021, where he also served as CEO of an investment advisory company. Quest Investment Firm provides investment advisory and wealth management services to individuals and small businesses, specializing in active management of growth-oriented equities with an equity-only approach tailored to clients’ risk profiles. The firm offers personalized wealth management services for private clients, including professional athletes and high-net-worth individuals, and does not participate in commission-based compensation or maintain custody of client assets.

Yee Ki Wan is a financial advisor with KW Wealth Management LLC in Sacramento, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. Prior to joining KW Wealth Management in 2018, Wan worked at Charles Schwab & Co., Inc. from 2005 to 2018. Wan is also a licensed insurance agent and occasionally offers clients insurance products outside of advisory services. KW Wealth Management provides portfolio management, financial planning, and pension consulting services to individuals, high-net-worth clients, corporations, and 401(k) plans. The firm manages approximately $122 million across about 80 client relationships, focusing on individualized investment strategies and discretionary account management with a long-term trading orientation.

Matthew Curtis is a financial advisor with Alpha Retirement Wealth, LLC in Gold River, CA, holding a Series 65 designation and 12 years of industry experience. He has worked with Alpha Retirement Wealth since 2015 and also serves as an area manager for Asurea Insurance Services, where he sells life insurance and annuities. Alpha Retirement Wealth, LLC provides discretionary portfolio management and financial planning primarily for individual clients, including high-net-worth individuals and business entities. The firm utilizes a risk-parity framework and Modern Portfolio Theory in its investment approach, primarily implementing strategies through exchange-traded funds and model portfolios.

Joshua Hurd is a CFP®-certified financial advisor with 24 years of industry experience. He is the principal of Sightline Wealth in Sacramento, CA, and has prior experience at Charles Schwab Bank and Independent Financial Group. Sightline Wealth provides wealth management services to individual and high-net-worth clients, combining discretionary investment management with integrated financial planning. The firm uses a mix of fundamental and technical analysis to construct portfolios that include both passive and active investment vehicles and may oversee third-party managers as part of its advisory approach.

Daniel Rooney is the principal of Rooney Wealth Management in Sacramento, CA. He holds a Series 65 designation and began his advisory career in 2025 after previously working in education, including roles with the San Luis Coastal Unified School District and San Francisco Unified School District. He maintains an active teaching credential and occasionally works as a substitute teacher. Rooney Wealth Management provides investment management and project-based financial planning to individual and high-net-worth clients on a fee-only basis. The firm employs a modern portfolio theory approach with an emphasis on asset allocation and passive fund exposures, incorporating options and derivatives within separately managed accounts. Its services are offered through defined planning bundles, and it operates without account minimums or custody of client assets.

Tiffani Sharp is the principal of T. Sharp Wealth Management and holds a Series 65 credential with two years of industry experience. She previously worked as an attorney for over 17 years and currently operates T. Sharp Legacy & Wealth Counsel, where she provides estate planning, probate, business formation, and real estate investment legal services. T. Sharp Wealth Management, LLC offers fee-only financial planning and investment consulting to individuals and families, focusing on long-term, globally diversified passive investment strategies utilizing low-cost ETFs and index funds. The firm emphasizes financial planning services such as cash-flow analysis and goals prioritization, delivering advice primarily through fixed-fee or hourly arrangements.

Kimberly Tucker Knotts is the principal advisor at Kim Knotts, RIA with 27 years of industry experience. She holds Series 63 and Series 65 designations and previously worked at SCF Investment Advisors, Inc. and SCF Securities, Inc. Outside of investment advising, she owns and operates a real estate and mortgage lending business as well as a tax preparation and consulting service, and is also licensed as an insurance agent. Kim Knotts, RIA provides investment management, comprehensive financial planning, and retirement plan consulting to individuals, high-net-worth clients, and employer plan sponsors. The firm employs individualized, non-discretionary asset-allocation strategies and integrates related services in real estate, tax, and insurance under separate agreements.

Daniel McCurdy is a financial advisor at McCurdy Financial Solutions with 12 years of industry experience. He holds the CFP®, CFA®, ChFC®, and Series 66 designations. Prior to founding his firm, he worked at Strategic Wealth Advisors Group, LLC and LPL Financial, LLC. Outside of advising, he performs tax return data entry work for a law office. McCurdy Financial Solutions provides investment management and financial planning services to individuals, high-net-worth clients, and nonprofit organizations. The firm employs a tailored, discretionary portfolio management approach using fundamental and technical analysis alongside modern portfolio theory, and offers both ongoing and project-based planning engagements.

Jonathan Deeringer is a CFP® and CFA® credentialed financial advisor with 16 years of industry experience. He is the principal of Deeringer Wealth Management, LLC, an independent firm he founded in 2019 after working four years at Genovese Burford & Brothers. He serves as Treasurer and board member of the American River Parkway Foundation, a nonprofit focused on preserving the American River Parkway. Deeringer Wealth Management provides investment advisory, financial planning, and retirement plan consulting for individuals, trusts, nonprofits, and corporate clients. The firm’s investment approach is based on fundamental analysis and scenario-based asset allocation, using mutual funds, ETFs, and selectively managed accounts with documented use of leverage and derivatives.