Lance Howard is the sole advisor at Howard Financial with 16 years of experience in financial advisory and over 30 years in the insurance industry. He holds a Series 65 designation and has operated Howard Financial & Wealth Management, Inc. since 2010. In addition to his advisory role, he serves as president of Lance Howard Insurance Services, Inc., where he dedicates more than half of his time. Howard Financial & Wealth Management serves individuals, high-net-worth clients, pension and profit-sharing plans, trusts, estates, and business entities with financial planning, investment advisory services, and portfolio oversight. The firm primarily provides non-discretionary advice, partnering with third-party managers and offering a range of planning and consulting services.

Jack Fawcett is the principal advisor at Visionary Wealth Planners LLC in Bakersfield, CA, with 8 years of industry experience. He holds Series 63 and Series 65 designations and has operated Fawcett Financial and Insurance Services Inc. since 1988, where he serves as president and insurance agent. Visionary Wealth Planners LLC serves individual clients, including high-net-worth households, and provides advisory services to employer-sponsored retirement plans. The firm utilizes a combination of fundamental, technical, charting, and cyclical analysis in portfolio construction and offers discretionary management, written financial planning, and ERISA 3(21) plan advisory services.

Victoria Gomez is the sole advisor at Gomez Financial Planning in Bakersfield, CA. She holds a Series 65 registration and has recently entered the financial advisory field, with no prior industry experience. Gomez is employed full-time as a high school math teacher and provides investment advisory services outside of her teaching hours. Gomez Financial Planning offers non-discretionary, fee-only financial planning and investment advice to individuals, families, educators, retirees, young professionals, and small business owners. The firm follows an evidence-based, passive investment approach focused on broad diversification, low-cost index funds and ETFs, and client-aligned asset allocation, providing advice without managing or custodying client assets.

Stanley Garrison is a financial advisor at Sierra Capital Management in Bakersfield, CA, with 37 years of industry experience. He holds a Series 63 designation and has been with Sierra Capital Management since 1999. Sierra Capital Management provides comprehensive financial planning and consulting services to individuals, trusts, estates, retirement plans, corporations, and other business entities. The firm focuses on fundamental analysis and a long-term, asset-allocation approach, offering customized investment plans without managing client assets or accepting custody.

Laurence Menna is a CFP® professional with 23 years of experience in financial advising. He has been with WealthTarget Investment Advisors, LLC since 2003, serving clients from Bakersfield, CA. WealthTarget Investment Advisors, LLC serves individual investors as well as pension and profit-sharing plans, trusts, estates, and corporate clients. The firm provides customized portfolio allocations focused on strategic asset allocation, combining actively managed and lower-cost funds, and offers specialized plan-level services including ERISA-focused 401(k) consulting and technology integrations.

Daniel Petrey is a financial advisor at Mestmaker & Petrey Wealth Advisors with 22 years of industry experience. He holds the Series 66 designation and has been with the firm since 2009. Mestmaker & Petrey Wealth Advisors provides discretionary asset management, pension consulting, and 401(k) participant services for individuals, trusts, retirement plans, and business entities. The firm manages portfolios using a combination of charting, fundamental, technical, and cyclical analysis, and offers a subscription newsletter and educational seminars alongside its advisory services.

Dominik Yates is a financial advisor at Applied Wealth Management with seven years of industry experience. He holds the Series 66 designation and has worked at firms including Guardian Life Insurance Company, Park Avenue Securities, Northwestern Mutual, and Wells Fargo. Applied Wealth Management is a team-based registered investment adviser serving individuals, high-net-worth clients, corporations, and retirement plans. The firm manages approximately $44 million across about 92 client relationships, offering financial planning, portfolio management, retirement plan consulting, and estate-planning services through a licensed technology platform.

Jeffrey Mestmaker is a financial advisor with Mestmaker & Petrey Wealth Advisors in Bakersfield, CA, holding a Series 66 designation and 20 years of industry experience. He has worked with Kern Tobacco Corp. and Kern Asset Leasing Corp. since 2014 and has been with Mestmaker & Petrey Wealth Advisors since 2009. Mestmaker & Petrey Wealth Advisors provides discretionary asset management, pension consulting, and 401(k) participant services for individuals, trusts, retirement plans, and business entities. The firm manages portfolios using a combination of charting, fundamental, technical, and cyclical analysis, and offers a subscription newsletter, educational seminars, and individual 401(k) reviews.

Al Doss Carter is a financial advisor at Applied Wealth Management in Bakersfield, CA, holding Series 63 and Series 65 licenses with 15 years of industry experience. His prior roles include positions at MML Investors Services LLC, MassMutual Life Insurance Company, Guardian Life Insurance Company, and Park Avenue Securities. Applied Wealth Management is a team-based registered investment adviser serving individuals, high-net-worth clients, corporations, and retirement plans. The firm emphasizes strategic asset allocation and modern portfolio theory through custom model portfolios and third-party sub-advisers, managing accounts primarily on a discretionary basis with regular monitoring and rebalancing.

Bradley Barnes is a CFP® with 44 years of industry experience, currently serving as President and CIO at Entruity Wealth, LLC in Bakersfield, CA. His prior experience includes roles at Purshe Kaplan Sterling Investments and Morgan Stanley. He is a board advisor for the Estate Planning Council of Bakersfield and serves on the board of the Downtown Rotary Club of Bakersfield. Entruity Wealth manages approximately $128.6 million across about 281 client relationships, primarily serving individual and high-net-worth clients with portfolio management, financial planning, retirement-plan consulting, and cash management. The firm employs multiple asset-allocation strategies and incorporates borrowing, derivatives, and structured instruments in its investment approach, while also offering managed held-away accounts and estate-planning support.

Andrew Barnes is a CFP® professional with 10 years of industry experience, currently serving as President and CIO at Entruity Wealth, LLC in Bakersfield, CA. His prior experience includes roles at Morgan Stanley and Purshe Kaplan Sterling Investments. Barnes also holds a Fixed Insurance Agent license and dedicates part of his practice to fixed insurance. Entruity Wealth manages approximately $128.6 million across about 281 client relationships, focusing on individual and high-net-worth clients. The firm offers comprehensive portfolio management, financial planning, retirement-plan consulting, and cash management, utilizing multiple asset-allocation strategies and a range of public and private securities, including active use of derivatives and structured instruments.

Heidi Canet is a financial advisor at Mestmaker & Petrey Wealth Advisors in Bakersfield, CA, holding a Series 65 credential with 10 years of industry experience. She has been with Mestmaker & Petrey Wealth Advisors since 2012. Mestmaker & Petrey Wealth Advisors provides discretionary asset management, pension consulting, and 401(k) participant services for individuals, trusts, retirement plans, and business entities. The firm manages portfolios using a combination of charting, fundamental, technical, and cyclical analysis, and offers a subscription newsletter, educational seminars, and individual 401(k) reviews upon request.

Adam Mackall is a Series 65-licensed financial advisor with Barnes Wealth Management Group in Bakersfield, CA, where he has worked since 2018. He has seven years of industry experience and also serves as Unit Chief at the Arvin Edison Water Storage District, managing maintenance and delivery of water and equipment. Barnes Wealth Management Group serves individuals, trusts, estates, and retirement plans, offering tailored investment advisory and financial planning services through a seven-advisor team managing approximately $411.6 million in assets. The firm employs a variety of analytic methods and investment strategies, including discretionary and non-discretionary portfolio management, and provides pension consulting under Ironwood Retirement Plan Consultants.

Gabriel Woodward is a financial advisor with Woodward Diversified Capital, LLC, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. Prior to joining Woodward Diversified Capital in 2020, he worked at Wells Fargo Advisors LLC and Wells Fargo Clearing Services, LLC from 2011 to 2020. Outside of his advisory work, he is the owner of Bakersfield Swim Academy, where he provides swim instruction. Woodward Diversified Capital serves a broad client base including individuals, high-net-worth clients, trusts, businesses, and retirement plans. The firm employs a risk-adjusted, tax-aware investment process combining active and passive strategies, and manages multiple private funds across various sectors alongside separate advisory accounts.

Beau Woodward is a Series 66-licensed financial advisor with 23 years of industry experience. He currently works at Woodward Diversified Capital, LLC, where he has been since 2020. Prior to this, he held roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Woodward Diversified Capital is a fee-only registered investment adviser serving individuals, trusts, businesses, retirement plans, and pooled investment vehicles. The firm employs a mix of active and passive strategies to build tailored, risk-adjusted, and tax-aware portfolios, offering both separately managed accounts and a wrap fee program.

Thomas Woodward is a financial advisor at Woodward Diversified Capital, LLC with 53 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Advisors LLC and Wells Fargo Clearing Services, LLC. Woodward Diversified Capital provides investment management and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, businesses, and retirement plans. The firm employs a risk-adjusted, tax-aware investment approach using a combination of active and passive strategies, and it manages multiple private funds across various sectors while offering discretionary portfolio management and financial consulting.

Trevor Hedge is a financial advisor at Barnes Wealth Management Group with one year of industry experience. He holds a Series 65 designation and previously worked at Nutrien Ag Solutions and Three Way Chevrolet. Barnes Wealth Management Group provides investment advisory and financial planning services to individuals, trusts, estates, and retirement plans, managing approximately $411.6 million in assets across 779 client accounts. The firm uses a combination of analytic methods and both discretionary and non-discretionary portfolio management, supported by a seven-advisor team.

Caleb Richmond is a financial advisor at Woodward Diversified Capital, LLC in Bakersfield, CA, holding a Series 66 designation with five years of industry experience. He previously worked at Ameriprise Financial Services, Inc. and the Bakersfield Country Club. Outside of advisory work, he operates an independent Amazon storefront as a reseller. Woodward Diversified Capital provides investment management and financial planning services to individuals, high-net-worth clients, trusts, businesses, retirement plans, and pooled investment vehicles. The firm employs a risk-adjusted, tax-aware asset allocation approach using a mix of active and passive strategies and serves as managing member and investment manager to multiple private funds across various sectors.

Scott Barks is a financial advisor with Barnes Wealth Management Group in Bakersfield, CA, holding Series 63 and Series 66 licenses and 20 years of industry experience. He has worked with Barnes Wealth Management Group since 2012 and previously with Purshe Kaplan Sterling Investments from 2015 to 2020. Outside of investment advisory, he is a partner and owner of First Solutions Insurance Services, offering life and health disability insurance, and serves as president of Scott C. Barks Insurance Services, Inc. Barnes Wealth Management Group provides investment advisory and financial planning services to individuals, trusts, estates, and retirement plans, managing approximately $411.6 million in assets across 779 client accounts. The firm employs a combination of technical and fundamental analysis, modern portfolio theory, and both long- and short-term strategies, while also offering pension consulting through Ironwood Retirement Plan Consultants.

Steven Barnes is a CFP® and ChFC® with 39 years of experience in financial planning and investment advisory. He is president of Barnes Wealth Management Group, where he has worked since 2001, and has also been associated with Purshe Kaplan Sterling Investments since 2015. Outside of his advisory work, Barnes serves as a volleyball director and coach for the Bakersfield Boys Volleyball Club and Valley Sand Volleyball Academy, and is an at-large board member on the finance and audit committees for the Girl Scouts of Central California South. Barnes Wealth Management Group provides investment advisory and financial planning services to individuals, trusts, estates, and retirement plans, including high-net-worth clients. The firm employs a variety of analytic methods and strategies, supports approximately $411.6 million in assets under management, and operates with a seven-advisor team.