Michael Melo is the principal of Melo Out Financial, LLC, holding a Series 65 credential with over 20 years of experience, including two decades at Yosemite Farm Credit. He began his financial advisory career independently before founding his current firm in 2025. Melo Out Financial provides investment management and financial planning services to individuals, high-net-worth families, and small businesses, including agricultural clients. The firm focuses on long-term, index-oriented strategic asset allocation with a mix of ETFs, mutual funds, bonds, and cash equivalents, offering both discretionary and non-discretionary portfolio management alongside coaching, consulting, and estate-planning coordination.

Robert Hillberg is the principal of Hillberg Capital Management, LLC in Turlock, California, and holds the PFS™ designation. He has 21 years of experience in financial advising and has operated his investment advisory firm since 2004. In addition, he has been a partner at Hillberg & Co, CPAs since 1980, providing tax, accounting, and general business services outside of investment advising. Hillberg Capital Management is a fee-only registered investment adviser serving individuals, trusts, retirement plans, and businesses. The firm focuses on strategic asset allocation and diversification, primarily using mutual funds and ETFs, and integrates its investment management with the affiliated CPA practice for coordinated tax and financial planning.

Nicole Seghetti is a CFP® professional with 16 years of industry experience. She is the sole advisor at Luminary Financial Planning in Modesto, CA, and has operated Seghhetti Holdings LLC since 2012, providing financial planning content for online publications. Luminary Financial Planning offers investment advisory and financial planning services to individuals, high-net-worth clients, pension and profit-sharing plans, and business entities. The firm manages client accounts on a strictly non-discretionary basis and employs a long-term investment approach using fundamental analysis and modern portfolio theory.

Kevin Berger is the sole advisor at Berger Asset Management, Inc. in Turlock, CA, holding a Series 63 credential with 14 years of industry experience. Prior to founding his firm, he worked at Berger & Company, CPAs for 18 years. Outside of his advisory role, he serves as president and director of several non-investment related companies, including Colonize Media, Inc., a digital media distribution firm, as well as employee benefit administration and consulting companies. Berger Asset Management provides discretionary portfolio management and advisory services to individuals, corporations, pension and profit-sharing plans, and estates and trusts. The firm employs a fundamental, value-oriented investment approach focused on large- and mid-cap securities, tailoring portfolios to client objectives and incorporating various instruments such as equities, debt, mutual funds, ETFs, options, and limited futures.

Joshua Natham is a Certified Financial Planner (CFP®) and holds a Series 65 license with six years of industry experience. He has been with Kenneth E. Boone Wealth Management, LLC since 2016, after working at HKG LLP for one year. Natham is also a licensed insurance agent, offering insurance products as part of comprehensive wealth planning when appropriate. Kenneth E. Boone Wealth Management advises individual and high-net-worth clients on wealth planning and portfolio management, utilizing a Modern Portfolio Theory framework. The firm emphasizes customized investment policies, diversified long-term asset-class exposures, and manages the majority of assets on a non-discretionary basis through a third-party administrator.

Kendall Seifert is a financial advisor at Blom & Howell Financial Planning, Inc. in Modesto, CA, holding a Series 65 designation with two years of industry experience. Prior to joining Blom & Howell in 2023, Kendall worked at Grand Canyon University and has concurrent experience at Trader Joe’s since 2018. Blom & Howell Financial Planning serves individuals, trusts, estates, business entities, and retirement plans with comprehensive wealth management, financial planning, and estate-planning assistance. The firm offers customized asset allocation and portfolio management services, including a firm-sponsored wrap fee program, and integrates technology such as artificial intelligence and machine learning in its investment processes.

Thomas Oliveira is a financial advisor with Oliveira Wealth in Modesto, CA. He holds the ChFC® designation and Series 63 and 65 licenses, and has 29 years of industry experience. His prior work includes 15 years at LPL Financial and ongoing affiliation with The Leaders Group Inc. Outside of advising, he is involved in managing real estate and related business activities. Oliveira Wealth serves individuals, trusts, pension and profit-sharing plans, and businesses, offering discretionary asset management, financial planning, retirement plan consulting, and cost segregation services. The firm employs individualized portfolios with a preference for ETFs and fixed income, and distinguishes itself with a broker-dealer affiliation and specialized tax and retirement plan consulting services.

Matthew Lewis is a financial advisor at TechView Wealth Advisors LLC with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, and Enter Capital Group, Inc. He has been with TechView Wealth Advisors since 2017. TechView Wealth Advisors serves technology entrepreneurs, private business owners, and cross-border individuals and families investing in the United States. The firm offers financial planning and portfolio management using a combination of active and passive strategies, focusing on individualized planning and services tailored to international clients.

Christopher Dennis is a financial advisor at Arrowhead Wealth Management Corp. in Modesto, CA, with 33 years of industry experience. He holds a Series 63 designation and has been with Arrowhead Wealth Management since 2014. In addition to his advisory role, he is an independent insurance producer for various insurance companies. Arrowhead Wealth Management Corp. provides fee-based investment advisory services to individuals, trusts, estates, charitable organizations, and business entities, managing approximately $30.8 million in client assets. The firm employs a tactical allocation approach using fundamental, technical, and cyclical analysis to tailor non-discretionary portfolios, and it also serves as a solicitor for a third-party managed-account platform.

Glenn Andrade is a financial advisor at AFS Investments with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Mutual Advisors, LLC and Mutual Securities Inc prior to his current role. Outside of advisory work, he is a licensed life insurance agent involved in the sale and servicing of life insurance policies. AFS Investments is a family-owned registered investment adviser serving individuals, trusts, retirement plan sponsors, and business entities. The firm employs both a bottoms-up stock selection process and a top-down asset allocation approach, offering discretionary and non-discretionary portfolio management along with ERISA fiduciary consulting and retirement plan management.

David Wong is a financial advisor at Arrowhead Wealth Management Corp. in Modesto, CA, with 31 years of industry experience. He holds a Series 63 designation and previously worked at Wedbush Securities Inc. from 2009 to 2022. Arrowhead Wealth Management Corp. provides fee-based investment advisory services to individuals, trusts, estates, charitable organizations, and business entities, primarily serving non–high-net-worth clients. The firm employs a tactical allocation approach using fundamental, technical, and cyclical analysis to customize portfolios and offers both discretionary management and non-discretionary assets.

Arthur Askil is a financial advisor at Titan Capital Management with 21 years of industry experience. He holds Series 63 and Series 66 designations and has been with Titan Capital Management since 2005 in its various entities. Titan Capital Management provides discretionary portfolio management and financial planning services to individuals, businesses, pension and profit-sharing plans, and other registered investment advisors. The firm employs a Global Tactical Asset Allocation approach using proprietary quantitative models to adjust asset allocations dynamically across an aggressive-to-conservative risk spectrum.

Michael Howell is a CFP® professional with 12 years of industry experience, currently serving at Blom & Howell Financial Planning, Inc. in Modesto, CA. His prior experience includes roles at SCF Securities, Inc. and LPL Financial. Outside of his advisory work, he is active as a church musician, a nonprofit and church consultant on financial education, an officer at Shelter Cove Community Church, and treasurer and secretary of the Lions Baseball Club. Blom & Howell Financial Planning serves individuals, trusts, estates, business entities, and retirement plans by providing comprehensive wealth management, financial planning, retirement plan consulting, and estate-planning assistance. The firm customizes asset allocations across various securities and offers both discretionary and non-discretionary portfolio management through its own wrap fee program.

Christopher Sharp is a financial advisor with Oliveira Wealth in Modesto, CA, holding Series 63 and Series 65 licenses and six years of industry experience. He has worked with Oliveira Wealth since 2019 and has been affiliated with The Leaders Group since 2021. Prior to his financial advisory career, his background includes roles in agriculture services and the restaurant industry. Oliveira Wealth serves individuals, trusts, pension and profit-sharing plans, and businesses, offering discretionary asset management, financial planning, retirement plan consulting, and cost segregation services. The firm uses a range of investment strategies and emphasizes specialized services such as ERISA-aware retirement plan consulting and cost segregation tax analyses.

Christopher Mraz is a financial advisor at Mraz and Associates in Modesto, CA, holding a Series 65 designation with four years of industry experience. His prior work includes roles at Mraz, Amerine & Associates, Inc. and Conterra Wine Co., LLC. Mraz and Associates provides financial planning, consulting, and discretionary investment management to individuals, retirement plans, trusts, estates, charitable organizations, and business entities. The firm employs a disciplined, value-oriented investment approach incorporating fundamental, technical, and cyclical analysis, managing approximately $785 million in discretionary assets.

Jeffrey Burrow is a CFP® professional with 25 years of industry experience, currently serving as an advisor at Sierra Ocean, LLC since 2021. Prior to this, he worked for seven years at Goldman Sachs Personal Financial Management. Outside of financial advising, he is a limited partner in a family entertainment center trampoline park. Sierra Ocean, LLC provides investment management and financial planning services to individuals, trusts, estates, non-profits, and business entities. The firm customizes asset allocations using a range of investment vehicles and offers portfolio monitoring, discretionary rebalancing, and access to independent managers.

David Mraz is a financial advisor at Mraz and Associates in Modesto, CA, holding Series 63 and Series 65 licenses with 28 years of industry experience. He has worked at Mraz, Amrine & Associates since 2011. Mraz and Associates provides financial planning, consulting, and discretionary investment management to individuals—including high-net-worth clients—as well as retirement plans, trusts, estates, charitable organizations, and business entities. The firm employs a disciplined, value-oriented investment approach that integrates fundamental, technical, and cyclical analysis across a range of securities and model portfolios, managing approximately $785 million in discretionary assets.

Christopher Frizzi is a CFP® professional with 31 years of industry experience, currently serving at KCPAG Financial Advisors LLC. He has been affiliated with Kemper Capital Management LLC and related entities since 2009. Outside of his advisory work, he has a minor involvement as an owner of a single-family rental property. KCPAG Financial Advisors LLC offers financial planning, discretionary asset management, and retirement plan consulting to individuals, trusts, business clients, and charitable organizations. The firm employs a combination of fundamental analysis and model portfolios, providing clients with customized investment programs and quarterly account reviews.

David Derby is a CFP®, ChFC®, and Series 63 credentialed financial advisor with 37 years of industry experience. He has been affiliated with American Investors Company for over 35 years and has operated his own insurance and financial services business since 1996. Derby conducts life and disability insurance sales through his independent practice. American Investors Company provides investment advisory, financial planning, and asset supervisory services to individuals and institutional clients. The firm employs a multi-advisor approach that integrates advisory and brokerage activities while maintaining oversight of third-party managers and client accounts.

Angela Gomez Guerrero is a Series 65-licensed financial advisor with Mraz and Associates, bringing one year of industry experience. Prior to joining Mraz and Associates, she held various positions including roles at the University of California - Davis and in retail. Mraz and Associates is a six-advisor team that provides financial planning, consulting, and discretionary investment management to individuals, retirement plans, trusts, estates, charitable organizations, and business entities. The firm employs a disciplined, value-oriented investment approach across a range of securities and model portfolios, managing approximately $785 million in discretionary assets.