Robert Gemmer is a CFP® professional with 47 years of experience in financial and investment planning. He has operated as a self-employed advisor since 1979 and currently leads his independent firm, Gemmer, Robert Arden, based in Healdsburg, CA. He is also licensed as a life, health, and disability insurance agent. His firm provides financial planning and portfolio management primarily to individual clients, as well as trusts, employer-sponsored retirement plans, and self-employed business retirement accounts. Investment recommendations are tailored to each client’s objectives and risk profile, with diversified asset allocation and discretionary management implemented through third-party custodians.

Thomas Drake is the sole advisor at Integritas Semper, LLC, an independent registered investment adviser based in Windsor, CA. He holds Series 63 and Series 66 designations and has 27 years of industry experience. Prior to founding Integritas Semper in 2010, he was associated with Grove Point Investments, LLC. Drake is also an insurance agent, marketing investment-related insurance products. Integritas Semper provides portfolio management and investment supervisory services to individuals, high-net-worth clients, trusts, estates, corporations, and municipal entities. The firm employs a combination of charting, fundamental and technical analysis, and uses derivatives within separately managed accounts to implement its trading strategies.

Raymond Gadbois is a CFP® with 20 years of experience in financial advising, currently serving as the sole advisor at Index Financial Advisors LLC since 2006. He also operates a consulting business providing accounting and administrative services to a family office and related entities. Index Financial Advisors LLC offers investment management, financial planning, and project-based consulting for individuals, families, trusts, and estates. The firm employs a long-term, passive investment strategy focused on asset allocation and low-cost, diversified index funds and ETFs, managing approximately $126 million across about 140 accounts.

David Meucci is a CFP® professional with 29 years of experience in the financial industry. He is the sole advisor at Phase Change Wealth Management LLC, where he has worked since 2025. His prior experience includes roles at Western International Securities, Inc. and Financial West Group, spanning nearly two decades. Phase Change Wealth Management LLC provides investment management and project-based financial planning to individuals, high-net-worth clients, and corporate or business clients. The firm combines passive and active investment strategies based on modern portfolio theory and offers both asset-based portfolio management and hourly billing for limited-scope planning.

Melissa Imhaus is the sole advisor at Imhaus Investment Advisors, an independent firm based in Windsor, CA. She holds a Series 66 designation and has 20 years of industry experience, including 19 years leading her current firm. Imhaus Investment Advisors provides discretionary portfolio management and advisory services to individuals, high-net-worth clients, and business entities. The firm develops client-specific Investment Policy Statements and employs a combination of fundamental, cyclical, and momentum analysis alongside an asset-allocation model to guide investment decisions.

Kevin Swad is a CFP® professional with 14 years of industry experience. He is the sole advisor at Swad Wealth Management LLC, an independent firm based in Santa Rosa, CA. Prior to founding his own firm in 2022, he worked at Charles Schwab and Charles Schwab Bank from 2013 to 2022. Outside of financial advising, he is a licensed insurance agent and owns a real estate property management business unrelated to investment activities. Swad Wealth Management provides financial planning, discretionary investment management, and ERISA services to high-net-worth individuals, trusts, estates, charitable organizations, and business entities. The firm employs firm-developed model strategies and quantitative analysis to build portfolios and manages approximately $111 million in discretionary assets across 48 client relationships.

Sam Valtenbergs is a financial advisor at Iluka Advisors with a Series 65 credential and two years of industry experience. Prior to founding Iluka Advisors, he worked at Mellon Investments and Mellon Capital Management. In addition to his advisory work, he provides data science and software engineering consulting services through Iluka Technologies. Iluka Advisors serves individuals, high-net-worth clients, deferred benefit plans, and small businesses with discretionary portfolio management focused on quantitative strategies, including risk-based tax-loss harvesting and customized asset allocation. The firm applies institutional quantitative methods and occasionally uses derivatives in separately managed accounts, combining these with third-party subadvisor relationships and tri-party arrangements.

Nace Nickel is the sole advisor at Nickel Investment Advisors, Inc., an independent firm based in Windsor, CA. He holds Series 63 and Series 66 licenses and has 38 years of industry experience. He has led Nickel Investment Advisors since its founding in 2009. Nickel Investment Advisors provides portfolio management and Investment Supervisory Services primarily to individual and high-net-worth clients, as well as corporations and charitable organizations. The firm uses fundamental, cyclical, and momentum analysis combined with a performance allocation model to guide asset selection and timing, managing assets in-house and preparing individualized Investment Policy Statements for its clients.

Eric Imbuelten is a financial advisor at A.E.I. Financial Group in Santa Rosa, CA, holding a Series 65 designation with seven years of industry experience. He has worked at A.E.I. Financial Group since 2020 and previously at Gradient Advisors, LLC. Outside of his advisory role, he owns and operates A.E.I. Tax & Financial, providing retirement planning, insurance sales, tax preparation, and resolution services. A.E.I. Financial Group offers discretionary asset management, financial planning, and retirement-plan advisory services to individuals and plan sponsors. The firm utilizes third-party platforms for portfolio implementation and provides financial planning and educational workshops, while also delivering fiduciary services for qualified retirement plans.

Zachary Hagen is a CERTIFIED FINANCIAL PLANNER™ with 18 years of industry experience. He is the sole advisor at ZH Wealth Management, LLC, an independent firm he has led since 2010. Outside of his advisory role, he provides separate tax-related consulting services. ZH Wealth Management offers investment supervisory services to individuals, high-net-worth clients, and business entities, creating customized Investment Policy Statements to guide portfolio management. The firm utilizes a range of investment strategies across multiple asset classes and manages accounts on both discretionary and non-discretionary bases.

Russell Clifford is the principal advisor at Clifford Financial Planning, Inc. in Santa Rosa, CA, holding the CFP® designation and Series 63 license with 31 years of industry experience. He has been with Clifford Financial Planning since 1998 and previously worked at Cambridge Investment Research Advisors. Clifford also serves as an adjunct professor at the College for Financial Planning, teaching graduate-level financial courses. Clifford Financial Planning serves individual and high-net-worth clients, as well as pension and profit-sharing plans, providing asset management, comprehensive financial planning, and third-party manager recommendations. The firm employs a primarily non-discretionary investment approach that combines fundamental and technical analysis, focusing on mutual funds, ETFs, and individual securities.

Peter Walker is a financial advisor at World Capital Management with nine years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Money Manager Review since 1986, continuing there through its transition to World Capital Management. World Capital Management provides discretionary portfolio management and advisory services to individuals, trusts, estates, and IRAs. The firm employs a macro-informed, data-driven investment approach focused on leveraged exchange-traded products, primarily the 3x Nasdaq-100 ETF TQQQ, along with tactical overlays and daily portfolio monitoring.

Michael Lucey is a financial advisor at Lucey Wealth Advisors LLC with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms, including Wealth Watch Advisors and Brookstone Capital Management. In addition to advisory services, he is involved in insurance sales through Lucey Wealth Advisors. Lucey Wealth Advisors LLC provides portfolio management and financial planning services primarily to high-net-worth individuals. The firm employs a multi-method investment approach focusing on ETFs and diversified instruments, offering both discretionary management and customized financial plans.

Deborah Hurwicz is a financial advisor at Madson Wealth Advisors Inc. in Santa Rosa, CA, holding the ChFC® designation along with Series 63 and Series 66 licenses. She has 24 years of industry experience, including over two decades at Thrivent Financial for Lutherans and Thrivent Investment Management. Hurwicz also has involvement in fixed insurance sales conducted during business hours. Madson Wealth Advisors serves individuals, high-net-worth clients, and institutional entities by providing asset management, comprehensive portfolio management, and standalone financial planning. The firm employs a combination of fundamental and technical analysis with diverse investment tools, offering tailored portfolios and a fiduciary approach that emphasizes ongoing client communication.

Maxwell Madson is a financial advisor at Madson Wealth Advisors Inc. in Santa Rosa, CA, holding a Series 66 designation with 10 years of industry experience. His prior work includes roles at Commonwealth Financial Network and Thrivent Financial. Madson Wealth Advisors serves individual, high-net-worth, and institutional clients, providing asset management, portfolio management, and financial planning. The firm employs both fundamental and technical analysis and offers a range of investment strategies tailored to client objectives, with flexible fee arrangements including hourly and flat fees.

John Witten is a financial advisor at Grow With Me with eight years of industry experience. He holds a Series 65 designation and previously worked at W10 Investment Advisers, LLC. Outside of his advisory role, he is a member of TPIS, LLC. Grow With Me is a state-registered advisory firm managing approximately $57.1 million for about 135 clients, including individuals, high-net-worth clients, charitable organizations, and businesses. The firm primarily uses passive investment management with index funds and ETFs, while also incorporating various analytical methods and outside managers, and offers additional services such as employee benefit plan advisory, tax preparation, and insurance.

Matthew Delaney is a financial advisor at JDH Wealth Management, LLC in Santa Rosa, CA, holding Series 63 and Series 65 licenses with 21 years of industry experience. He has been with JDH Wealth Management since 2005. JDH Wealth Management provides investment management, financial planning, and employee benefit retirement plan services to individuals, trusts, qualified retirement plans, and small businesses. The firm serves both high-net-worth and non-high-net-worth clients, employing a consultative, long-term asset allocation approach grounded in Modern Portfolio Theory and using diversified portfolios primarily through passively managed mutual funds and ETFs.

Craig Lucey is a financial advisor at Lucey Wealth Advisors LLC in Sebastopol, CA. He holds a Series 65 designation and began his advisory career in 2025 after four years at Penske. Lucey Wealth Advisors LLC provides portfolio management and financial planning services primarily to high-net-worth individuals, managing approximately $10 million for a small client base. The firm’s investment approach integrates multiple analysis methods and focuses on diversified instruments such as ETFs, REITs, and fixed income, with accounts monitored and reviewed quarterly.

Yvonne Madson is a ChFC® credentialed financial advisor with 25 years of industry experience. She is currently with Madson Wealth Advisors Inc. and previously worked for over two decades at Thrivent Investment Management Inc. and Thrivent Financial for Lutherans. Madson Wealth Advisors serves individuals, high-net-worth clients, and institutional entities, offering asset management, portfolio management, and financial planning services. The firm employs a combination of fundamental and technical analysis with a diverse range of investment tools, tailoring portfolios to client objectives and risk tolerances.

Chandriga Walker is a financial advisor at World Capital Management with 20 years of industry experience. He holds a Series 65 designation and has worked with Money Manager Review and Money Money Review/World Capital Management. Outside of advisory work, he is involved as a companion and caregiver at Prestige In Home Care. World Capital Management is a state-registered investment adviser providing discretionary portfolio management and related advisory services to individuals, trusts, estates, and IRAs. The firm employs a macro-informed, data-driven approach centered on leveraged exchange-traded products, primarily the 3x Nasdaq-100 ETF TQQQ, combined with tactical overlays and daily portfolio monitoring.