Ryan Demartini is the principal of JC Financial Services in Loomis, CA, with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked at JC Financial Services since 2016, following a brief tenure at Johnston, Martin & Montgomery. In addition to his advisory role, he operates JC Bookkeeping, providing bookkeeping and tax preparation services. JC Financial Services offers investment management and financial planning to individuals, pension and profit-sharing plans, and corporate clients, including services for small-business retirement plans. The firm employs a passive investment approach using index mutual funds and ETFs and integrates its tax preparation and bookkeeping practice as part of its service offerings.

Matthew Pederson is the sole advisor at MP3 Finance LLC in Cameron Park, CA. He holds Series 63 and Series 65 licenses and has one year of experience in financial advising. Prior to founding MP3 Finance, he worked at Life Time Fitness and Sutter Health. Outside of finance, he is involved with MP3 Fitness, a separate business he has operated since 2020. MP3 Finance primarily serves individual clients, focusing on pre-retirees and younger investors. The firm offers portfolio management, financial planning, coaching, and tax optimization with an investment approach that combines fundamental and technical analysis and emphasizes long-term allocations to stocks, bonds, and ETFs.

Kathleen Faulkner is the principal of Faulkner Financial Planning, LLC, an independent advisory firm, with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has operated her firm since 2012. In addition to her advisory work, she owns Divorce Advisory Services, LLC, which provides financial analysis and mediation related to divorce, and serves on the board of directors for Summitview Child Treatment Center. Faulkner Financial Planning primarily serves individual and household clients, as well as high-net-worth and corporate clients, offering comprehensive financial planning. The firm employs a non-discretionary approach by creating individualized plans and selecting third-party asset managers to implement and adjust portfolios, while maintaining ongoing investment oversight and client reviews.

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.

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.

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.

Marshall Goins is a financial advisor at Clarion Advisors Inc. with 13 years of industry experience. He holds Series 63 and Series 66 designations and has been with Clarion Advisors since 2012. He is also the owner and managing member of Mason Morgan Investments, LLC. Clarion Advisors Inc. provides discretionary portfolio management to individuals and high-net-worth clients, managing approximately $110.9 million across 882 accounts. The firm emphasizes long-term trading informed by multiple methods of analysis and maintains an unusually high client-to-advisor ratio.

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 sole advisor at Kim Knotts, RIA, an independent firm based in Folsom, California. She holds Series 63 and Series 65 licenses and has 27 years of industry experience. Prior to founding her firm in 2017, she worked at several investment advisory and securities firms. Outside of her advisory role, she owns and operates businesses in real estate sales and mortgage lending, as well as income tax preparation and consulting. Kim Knotts, RIA provides investment advisory and portfolio management services primarily to individual clients, along with comprehensive financial planning and retirement plan consulting. The firm manages approximately $9.3 million in client assets using a multi-asset allocation approach tailored to client risk tolerance and time horizon, with all accounts managed on a non-discretionary basis. The firm also maintains affiliations with real estate and tax service businesses, allowing it to offer ancillary real estate, tax, and insurance services.

Paul Burke is a financial advisor at Vortalis Wealth Management LLC with a Series 65 designation and over a decade of experience in the financial sector. He has worked at Helios Quantitative Research since 2020 and previously held roles at Patra Corporation and the El Dorado Union High School District. Vortalis Wealth Management provides discretionary investment management and project-based financial planning services to individuals and high-net-worth clients. The firm’s investment approach integrates fundamental, technical, cyclical, and charting analysis with Modern Portfolio Theory, employing a mix of passive and active strategies and offering socially conscious investment options.

Daniel McCurdy is a financial advisor at McCurdy Financial Solutions with 11 years of industry experience. He holds the CFP®, CFA®, ChFC®, and Series 66 designations. Prior to founding his independent firm, he worked at Strategic Wealth Advisors Group, LPL Financial, Western Wealth Management, and Edward Jones. Outside of advisory work, he is involved in tax return data entry through a law office. McCurdy Financial Solutions provides investment management and financial planning services to individuals, high-net-worth clients, and nonprofit organizations. The firm offers tailored discretionary portfolio management using both fundamental and technical analysis, combining active and passive funds, and incorporates socially conscious investing when requested. It also emphasizes financial education through seminars and educational materials.

James Braziel is a CFP® professional with 33 years of industry experience, currently serving at Independent Financial Group, LLC since 2022. His prior experience includes roles at Braziel & Associates LLC and NPB Financial Group, LLC. He is also involved in insurance as a sole proprietor outside of his advisory work. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser offering brokerage, portfolio management, financial planning, and retirement plan services to individuals, charities, corporations, and plan sponsors. The firm supports a national network of Investment Adviser Representatives and provides access to multiple advisory programs through its AccessPoint platform and third-party asset managers.

Marcos Lira is the principal of 360 Dividends in Granite Bay, CA, holding Series 63 and Series 65 licenses with 15 years of industry experience. His prior roles include positions at TrustedSite Security and WhiteHat Security. Outside of his advisory work, he owns an independent insurance agency and a tax and accounting services business. 360 Dividends provides investment management and financial planning to individuals, high-net-worth clients, charitable organizations, and small businesses. The firm combines fundamental and technical analysis with passive investment management and offers services such as portfolio management, financial planning, real estate investment analysis, and integrated tax-related advice.

Mark Harris is the sole advisor at Mark Harris Services in Cameron Park, CA, holding a Series 66 designation with 5 years of industry experience. He has operated Mark Harris Services since 2001. The firm provides continuous investment supervisory services and incidental financial planning to individuals, high net worth clients, and a range of institutional clients including charitable institutions and municipalities. Its investment process combines fundamental and technical analysis with a 12- to 18-month time horizon, generally operating on a non-discretionary basis and tailoring programs to client objectives and restrictions.

Adarsh Shyamsundar is a financial advisor at Polaris Capital Management LLC with four years of industry experience. He holds a Series 65 designation and previously worked at Micron Technology Inc. for twelve years. Polaris Capital Management provides individualized investment management and financial planning to individual and high-net-worth clients, managing a small, boutique book of business. The firm builds tailored portfolios based on client goals, risk tolerance, and tax considerations, and is notable for offering performance-based fee arrangements with hurdle and high-water-mark provisions.

Richard Mac Farlane is a Series 65 licensed advisor at Legacy Wealth, Inc. with experience in estate planning law, serving as president and owner of California Probate and Trust, PC since 2013. He also operates as an independent insurance agent and has provided financial advisory services through his sole proprietorship since 2023. Legacy Wealth, Inc. offers portfolio management services to individual and high-net-worth clients, focusing on investment policy development, asset allocation, and portfolio monitoring. The firm employs a mix of fundamental, quantitative, and technical analysis, utilizing a range of investment vehicles including mutual funds, equities, fixed income, ETFs, insurance products, and occasionally private placements and venture capital funds.

Charles Ho is a CFP® with 17 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank before founding Legacy Builders Financial, LLC in 2017, where he currently serves as the sole advisor. Outside of his advisory work, he is the CEO of two corporations established for real estate investments. Legacy Builders Financial is an independent registered investment adviser serving individual clients across a range of wealth levels. The firm provides tailored investment management, comprehensive financial planning, and short-term financial coaching, typically constructing passive portfolios supplemented by various analytical approaches and collaborating with third-party managers.

Cliff Leiker is the principal of CJL Quantum Analytics, an independent advisory firm based in Fair Oaks, CA. He holds Series 63 and Series 65 licenses and has nine years of industry experience. In addition to his advisory role, he serves as a fraternal agent for the Catholic Order of Foresters, focusing on life insurance sales. CJL Quantum Analytics primarily serves small business owners seeking retirement-plan investment guidance and individual bank investors, offering non-discretionary, customized advice on stocks, ETFs, and mutual funds. The firm provides pay-as-you-go online products including bank-specific research, educational webinars, and an economic newsletter, with an investment approach that combines fundamental dividend analysis and technical indicators tailored to each client’s risk tolerance and time horizon.