Sarah Soria

Cheryl Morhauser is a CFP® professional with 7 years of industry experience, operating her independent advisory firm, Cheryl Morhauser & Associates, since 1998. The firm is based in Grass Valley, CA, and serves a diverse client base including individuals, couples, small businesses, pension and profit-sharing plans, trusts, estates, and charitable organizations. Cheryl Morhauser & Associates is a fee-only independent advisory firm managing approximately $22.9 million for about 25 clients. The firm follows a primarily non-discretionary model, offering comprehensive financial planning and investment management with individualized account handling and a buy-and-hold investment approach focused on diversified asset-class allocations.

Mark Stempel is a CFP® professional with 15 years of industry experience, serving clients through Encore Wealth Advisors, LLC since 2001. He is based in Nevada City, CA. Outside of his advisory role, he manages passive real estate investments as the manager of two LLCs focused on multi-unit residential properties. Encore Wealth Advisors provides financial planning, investment advisory, and tax return preparation services to individuals, business entities, trusts, estates, and charitable organizations. The firm emphasizes long-term, fundamentally driven portfolio management and offers a range of planning services, including access to a client portal for consolidated reporting.

Daniel Apple is a CFP® with 41 years of industry experience, currently serving at Apple & Associates since 2001. He previously worked at Foothill Securities, Inc. and has been involved with Asset Marketing Systems Insurance Services, LLC since 2002 as an insurance sales agent. Apple & Associates provides investment advisory and financial planning services to individuals, trusts, and pension plans, managing approximately $138.1 million in discretionary assets. The firm employs an active investment approach combining fundamental and technical analysis and serves both non-high-net-worth and high-net-worth clients.

Frederick Fisher is a Certified Financial Planner® with 27 years of experience in the financial services industry. He has worked at Ostrofe Financial Consultants Inc since 1998 and has also been affiliated with LPL Financial, LLC since 2017 and National Planning Corporation from 2000 to 2017. Fisher serves as a co-trustee for the Fisher-Lourie Trust. Ostrofe Financial Consultants, Inc. provides comprehensive financial planning, consulting, and discretionary investment management to a diverse client base, including individuals, pension plans, trusts, and charitable institutions. The firm emphasizes a long-term investment approach focused on asset allocation and absolute return, managing approximately $386 million in client assets.

Aileen Danley is a CFP® and holds a Series 65 license with 11 years of experience in financial advising. She has worked at Oak Street Advisory Group since 2018 and previously was with Warren Street Wealth Advisors and ZEIDERS Enterprises. Oak Street Advisory Group provides personalized financial planning, consulting, and portfolio management services to individual and high net worth clients. The firm applies fundamental analysis and Modern Portfolio Theory principles, managing portfolios primarily through mutual funds and ETFs with an emphasis on portfolio construction and asset allocation.

Joseph Tomkiewicz is a CFP® professional with 26 years of experience in financial advising. He has been with Sierra Financial Advisory since 2004. Tomkiewicz holds Series 63 and Series 65 licenses and is also an agent with fixed annuity companies. Sierra Financial Advisory serves individual and family clients, including high-net-worth households, as well as small business retirement plans, trusts, estates, and charitable organizations. The firm employs a long-term, allocation-driven investment approach using mutual funds, ETFs, and selective individual securities, managing most assets on a discretionary basis across defined risk profiles.