WHAT I DO: I help Locum Tenens physicians and advanced practice providers gain clarity about their finances, identify opportunities and pitfalls, and stay on track with a trusted accountability partner. WHY IT MATTERS: Three recurring concerns stand out in my conversations with Active Duty Military and Civilian physicians and advanced practice providers: Skill Atrophy – Concerns about staying clinically sharp and staying competitive due to limited patient volume or exposure to diverse clinical settings. Financial Catch-Up – After years of training, many feel the pressure to fast-track savings and build long-term financial security. Time Flexibility – A deep desire for greater control over one’s schedule to prioritize family, entrepreneurship, or personal goals. These pressures often lead physicians to pursue Locum Tenens work—part-time or full-time—for its higher earning potential and flexible structure. But with that flexibility comes greater financial complexity, making a clear strategy and support system more important than ever. HOW I DO IT: Together, we assess your strengths and gaps across the six pillars of financial planning: Cash Flow Management, Risk Management, Estate Planning, Tax Strategy, Retirement Planning, and Investment Management. Then, we develop action items over 3 months to strengthen your financial foundation. Clients are empowered to self implement recommendations or collaborate with us for efficiency and accountability. NEXT STEPS: Ready to take control of your financial future? Connect with me on LinkedIn or reach out directly at arnie@achievablewealthfp.com—I’d love to learn more about your goals and how I can help. MORE ABOUT ME: I rediscovered my love for running three years ago thanks to one of my sons, starting with local 5Ks around the San Francisco Bay Area. Since then, I’ve become especially fond of the half-marathon distance, with races like the Oakland and San Francisco Half under my belt. Marathon training is next on the horizon, and I’m looking forward to the challenge. I also love exploring new places—favorites so far include Ilocos Sur (Philippines), Tokyo, Seoul, Busan, Barcelona, Lisbon, and London.

Sean Scruby is a CFP® professional with over two years of experience at Olde World Investments. He has worked in the investment advisory field since 2006 and also owns and operates Olde World Design, a construction company in Napa, CA, where he serves as a licensed general contractor. Olde World Investments is a state-registered, sole-proprietor firm providing financial planning and discretionary portfolio management to individuals, high-net-worth clients, and small businesses. The firm offers customized financial plans and employs a flexible investment approach that includes passive, active, and core-and-satellite strategies tailored to client objectives and risk tolerance.

Patrick Brennan is the sole advisor at Brennan Asset Management in Napa, CA. He holds the CFA® designation and Series 63 license, with 12 years of industry experience. He has led Brennan Asset Management since 2015. Brennan Asset Management provides discretionary investment supervisory services to a select group of individual and institutional clients, focusing on client-specific investment policy statements and concentrated equity portfolios. The firm uses a bottom-up, fundamental research process and combines retail advisory services with active management of private funds and pooled investment vehicles.

Janet Mlynar is a CFP® professional with 43 years of industry experience, currently serving as the principal of Benefits Plus, LLC in Napa, CA. She has worked with LPL Financial since 2009 and has been involved in healthcare compliance since 2013. Outside of financial advising, she owns Division Productions, a company that films historic properties for media use. Benefits Plus serves employer plan sponsors, employee benefit plans, professionals, and individuals by providing settlement consulting, pension consulting, health insurance consulting, and financial planning. The firm offers time-limited consulting and written plans without managing client assets, combining ERISA-focused employee benefits work with fee-based consulting and insurance-affiliated activities.

John Liles is a CFP® professional based in Napa, CA, with 32 years of experience at his own firm, John H. Liles, CFP. He has provided financial planning and investment advisory services since 1994. His firm offers investment advisory and financial planning services to individuals and entities including trusts, pension and profit-sharing plans, estates, and charitable organizations. The investment approach emphasizes strategic asset allocation through a core-and-satellite structure with passively managed index funds and ETFs as the core, complemented by selected individual securities and actively managed funds, with portfolios reviewed at least quarterly.

Amir Habib is the owner and sole advisor at Integrative Financial Strategies in Vacaville, CA, with 24 years of industry experience and a Series 66 designation. He has operated his independent firm since 2010 and also teaches graduate and undergraduate finance courses part-time at the University of Phoenix. Integrative Financial Strategies provides discretionary portfolio management and comprehensive financial planning to individuals, trusts, estates, retirement plans, and charitable organizations. The firm employs a structured asset-class investing framework with a focus on strategic asset allocation, long-term buy-and-hold strategies, and regular portfolio reviews, managing approximately $14.5 million in assets.

Thomas Porta is the sole advisor at Porta Investment Management in Vallejo, CA. He holds the CFP® and CFA® designations, has 2 years of industry experience, and has operated his firm as a DBA since 1990. In addition to financial advising, he is a CPA and a licensed real estate broker. Porta Investment Management provides financial planning, retirement planning, and discretionary investment management to individuals, trusts, pension plans, corporations, and other business entities. The firm’s investment approach emphasizes core portfolios of exchange-traded funds combined with a non-core sleeve of individually selected stocks, diversified across multiple asset classes with regular rebalancing. The firm also offers access to legal, real estate brokerage, and tax/accounting services through the advisor’s professional qualifications.

Eva Soares is a CFP® professional with 23 years of experience in financial advising. She is the principal and sole advisor at Soares Financial, Inc., an independent firm she has led since 2002. Prior to founding the firm, she was self-employed in the financial services industry. Soares Financial primarily serves individual clients through discretionary portfolio management, financial planning, and portfolio analysis. The firm manages approximately $19.6 million for about 18 clients, focusing on no-load mutual funds and exchange-traded funds, and also provides portfolio management for institutional clients.

Earl Knecht is a CFP® with 25 years of industry experience, currently serving as the sole advisor at Knecht Capital Management, LLC. He has worked at LPL Financial, Napa Valley Wealth Management, and Cetera Advisor Networks. In addition to his advisory work, Knecht teaches in the business department at Pacific Union College. Knecht Capital Management provides discretionary asset management, financial planning, and retirement plan consulting to individuals, trusts, charitable organizations, and corporate plan sponsors. The firm employs a range of investment strategies across various securities and works with both individual and institutional clients.

Prabhu Palani is a CFA® charterholder with 11 years of industry experience. He is currently with Tresses Capital Management, LLC and has also worked with the City of San Jose. Palani has been with Tresses Capital Management since 2016 and is involved in both advisory and investment roles. Tresses Capital Management provides discretionary investment management to individuals, high-net-worth clients, and profit-sharing plans. The firm focuses on asset allocation using diversified, tax-efficient, low-cost investment vehicles and employs options and derivative strategies when appropriate, serving a small client base with individualized portfolio customization.

Jackie Lou D'avolio Raquidan is a financial advisor at 5T Wealth, LLC with 14 years of industry experience. She holds Series 63, Series 65, and Series 66 credentials and has previously worked at firms including Capital Group Private Client Services and UnionBanc Investment Services. Outside of her advisory role, she serves on the boards of two early-stage technology ventures: Your Great Escapes, a landscaping AI app, and Napa Global Institute, an educational technology company focused on Virtual Reality. 5T Wealth, LLC serves individuals, family trusts, retirement plans, private foundations, and other institutional clients, primarily business owners or retirees from business ownership. The firm offers discretionary asset management, financial planning, and integrated family office services, employing an investment approach centered on absolute return objectives and true diversification across traditional and alternative asset classes.

Christopher Roth is a CFA® charterholder with 17 years of industry experience. He has been with 5T Wealth, LLC since 2018 and previously worked at Delegate Advisors, LLC from 2012 to 2018. 5T Wealth, LLC serves individuals, family trusts, retirement plans, private foundations, and other institutional clients nationwide, primarily business owners or retirees from their own businesses. The firm emphasizes absolute return objectives and true diversification by integrating traditional and alternative asset classes, employing a disciplined manager-selection process, and offering financial planning and family office services.

Colton Maher is a financial advisor at 5T Wealth, LLC with two years of industry experience. He holds Series 63 and Series 66 licenses and previously worked with Eagle Strategies LLC and NYLIFE Securities LLC. Outside of finance, he is a co-owner of LoCo Skincare, a retail and wholesale skincare company. 5T Wealth, LLC serves individuals, family trusts, retirement plans, private foundations, and other institutional clients nationwide, primarily business owners and retirees. The firm offers discretionary asset management, financial planning, and integrated family office services, employing a diversified investment approach that combines traditional and alternative asset classes with tactical portfolio management.

Rebecca White is a CFA® charterholder with 19 years of industry experience. She is currently with Harrington Investments, Inc. and has been involved with Rs Funds Distributor LLC and Rs Investments since 2014 and 2004, respectively. Outside of her advisory work, she is a member and owner of Yellow Jacket Eatery LLC, a restaurant business in Trinity Center, CA. Harrington Investments provides discretionary portfolio management and financial planning services primarily to individual and high-net-worth clients. The firm employs a socially responsible investing approach that integrates exclusionary screens, ESG analysis, and fundamental research to construct portfolios aligned with clients’ investment objectives and social criteria.

Paul Krsek is a financial advisor at 5T Wealth, LLC with 24 years of industry experience. He has been with the firm, formerly known as K & A Asset Management, LLC, since 1998. Outside of his advisory role, he serves as co-trustee of the Kresek Family Trust. 5T Wealth, LLC serves individuals, family trusts, retirement plans, private foundations, and other institutional clients nationwide, primarily business owners and retired business owners. The firm offers discretionary asset management, financial planning, and integrated family office services, employing a diversified investment approach that includes traditional and alternative asset classes with regular portfolio monitoring and rebalancing.

Francisco Guerra is a CFP®-certified financial advisor with nine years of industry experience. He is currently with Solano Wealth Advisors and has held prior roles at LPL Financial LLC and Wells Fargo. Solano Wealth Advisors provides investment advisory and financial planning services to individuals, trusts, estates, charitable organizations, and businesses. The firm offers discretionary wrap fee asset management and standalone financial planning, using an investment process focused on asset allocation and fundamental analysis across a variety of securities.

Jeffrey Field is a financial advisor at Harrington Investments, Inc. in Napa, California, holding Series 63 and Series 65 credentials with 10 years of industry experience. He has been with Harrington Investments since 2015. Harrington Investments provides discretionary portfolio management and financial planning services primarily to individual and high-net-worth clients, incorporating socially responsible investing criteria. The firm employs a combination of exclusionary screens, ESG analysis, and fundamental research to construct portfolios tailored to Growth, Balanced, or Income objectives.

Romain Clerou is the sole advisor at Romain Walsh Clerou Professional Investment Management, holding a Series 65 designation with 14 years of industry experience. He has been operating his independent advisory firm since 1990. The firm provides discretionary investment supervisory and management services to individuals, retirement plans, and trusts. RWC focuses on building tailored portfolios of U.S. individual stocks, bonds, and cash equivalents using fundamental analysis, typically maintaining multi-year positions and adjusting cash allocations based on valuation assessments.

Frances Harkins is a CFP® and holds a Series 66 designation with 24 years of industry experience. She has worked at Wheels Up Wealth, Inc. since 2020 and previously spent seven years at North Capital Inc. Outside of her advisory work, she is involved as a trustee in managing family real estate investment properties. Wheels Up Wealth serves individual and high-net-worth clients by providing comprehensive financial planning and discretionary investment management. The firm employs a long-term, passive investment approach based on Modern Portfolio Theory, utilizing index mutual funds and ETFs to build diversified portfolios.

John Harrington is a financial advisor at Harrington Investments, Inc. with 37 years of industry experience. He holds a Series 63 designation and has previously worked with Spectrum Securities, Inc., Progressive Asset Management, and Citizens Securities. Harrington Investments provides discretionary portfolio management and financial planning services primarily to individual and high-net-worth clients. The firm employs a socially responsible investing approach, combining exclusionary screens, ESG analysis, and fundamental research to construct portfolios aligned with clients’ investment objectives and social criteria.