Lucas Duffy

Ward Wenholz is a financial advisor with Sapphire Financial Strategies, L.L.C., holding Series 63, 65, and 66 licenses and over 21 years of industry experience. He has worked at Sapphire Financial Strategies since 2018 and previously at First Advisors National from 2015 to 2018. Wenholz is also president and owner of Sapphire Financial Services, Inc., where he sells fixed insurance products. Sapphire Financial Strategies provides ongoing portfolio management and advisory services primarily to individual clients, utilizing a multi-disciplinary investment approach that includes fundamental, technical, and quantitative analysis alongside value investing principles. The firm manages discretionary assets in the mid-teens of millions and serves several dozen individual accounts.

Hi, I'm Caleb, the Founder and CEO of Advanced Practice Planning, LLC and husband to a PA-C. We help PAs retire with confidence. As a husband of a PA-C and brother of a physician, I uncovered a troubling trend in the financial planning industry. Advanced Practice Providers were consistently overlooked while their physician counterparts enjoyed superior service. This disparity fueled my mission to create a solution that bridges the gap created by traditional finance, ensuring that APPs receive the attention and guidance they truly deserve.

Molly Nelson is a CFP®-certified financial advisor with 19 years of industry experience. She is the founder and manager of MoneySense LLC in Missoula, MT, where she has worked since 2024. Prior to this, she held roles at Mariner Wealth Advisors, Avantax Advisory Services, and other firms. Molly operates an online financial education platform, The Money Coven, offering educational content and weekly Q&A sessions. MoneySense LLC provides financial planning and education services to individuals, families, and high-net-worth clients, focusing on project-based advice in areas such as retirement planning, tax planning, and investment analysis. The firm emphasizes financial education and offers guidance grounded in Modern Portfolio Theory, typically recommending passive, low-cost index funds without managing client assets directly.

Ryne Mading is a CFP®-certified financial advisor with nine years of industry experience, currently serving clients at Golden State Wealth Management, LLC. His prior experience includes roles at Bank of America, Merrill, and Rocky Mountain Bank. Outside of his advisory work, Mading teaches financial education workshops focused on financial planning and personal finance. Golden State Wealth Management serves individuals, trusts, retirement plans, and business entities with discretionary asset management, comprehensive portfolio management, financial planning, and retirement plan consulting. The firm employs a variety of analytical approaches and offers tailored advice based on client objectives and risk tolerance.

Eric Joynt is a CFP® and ChFC® with nine years of experience in the financial services industry. He is currently with Prospettiva Financial, where he has worked since 2022, and has prior experience with SG Long Financial and State Farm Insurance. Prospettiva Financial serves individuals, trusts, estates, charitable organizations, and pension or profit-sharing plans, managing approximately $116 million in discretionary assets. The firm offers wealth management, financial planning, and retirement plan advisory services, with a focus on tailored portfolios, continuous account supervision, and specialized work with state and municipal government clients.

Susan Estep is a financial advisor at Willow Creek Capital Management, Inc. with 38 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at firms including Raymond James Financial Services Advisors and Wells Fargo Advisors. Estep is also an owner of Estep, Geeting and Weber Capital Management and serves as president of Willow Creek Capital Management. Willow Creek Capital Management provides portfolio management and pension consulting primarily to institutional clients such as pension and profit-sharing plans and charitable organizations, while also serving individuals and high-net-worth clients. The firm employs fundamental analysis and modern portfolio theory with a long-term trading approach and offers ESG integration through Morningstar-based screening.