BCN Financial, Inc.

Dawn Hale is a financial advisor with BCN Financial, Inc. in Alameda, CA, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. Her career includes roles at LPL Financial LLC, Crown Capital Securities, LP, and Quest Securities, Inc. BCN Financial provides retirement plan advisory and financial planning services primarily to employer-sponsored retirement plan participants and members of over 200 Police and Fire Department associations. The firm’s investment approach focuses on mutual funds and ETFs, combining fundamental, technical, and sentiment analysis with market timing, and it emphasizes transparent client reporting and performance communication.

E F Ryan Hughes is a financial advisor at BCN Financial, Inc. with one year of industry experience. He holds the Series 66 designation and has previously worked at LPL Financial, MassMutual Northern California, the City of Fairfield, and Paramedics Plus. BCN Financial provides retirement plan advisory and financial planning services primarily to participants in employer-sponsored retirement plans and members of over 200 Police and Fire Department associations. The firm uses a market-timing investment approach centered on mutual funds and ETFs and emphasizes regular client reporting and transparency in its communications.

Delbert White is a financial advisor at BCN Financial, Inc. with eight years of industry experience. He holds a Series 66 designation and has worked at LPL Financial LLC and Crown Capital Securities, L.P. prior to his current role. White previously served at the City of Oakland for over a decade. BCN Financial provides retirement plan advisory and financial planning services primarily to employer-sponsored retirement plan participants and members of Police and Fire Department associations. The firm’s investment approach focuses on mutual funds and ETFs, combining fundamental, technical, and sentiment analysis with market timing, typically offering specific non-discretionary advice within plan options.

Jeffry Bratzler is a CFP® with 36 years of industry experience, currently serving at BCN Financial, Inc. He has worked at BCN Financial since 2004 and has prior experience with Quest Securities, Inc. and Crown Capital Securities, LP. BCN Financial provides retirement plan advisory and financial planning services primarily to participants of employer-sponsored retirement plans and members of Police and Fire Department associations. The firm’s investment approach incorporates mutual funds and ETFs with fundamental, technical, and sentiment analysis, focusing on non-discretionary advice and regular client reporting.

Gary Muto is a financial advisor with BCN Financial, Inc. in Pleasanton, CA, holding a Series 63 designation and bringing 32 years of industry experience. His career includes roles at Quest Securities, Inc., Crown Capital Securities, LP, and LPL Financial LLC. BCN Financial specializes in retirement plan advisory and financial planning services primarily for employer-sponsored retirement plan participants and members of over 200 Police and Fire Department associations. The firm’s investment approach focuses on mutual funds and ETFs, combining fundamental, technical, and sentiment analysis with a market-timing component, while emphasizing client reporting and transparency.

Tim Formica is a financial advisor at BCN Financial, Inc. with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including LPL Financial LLC and Crown Capital Securities, LP. Outside of his advisory role, he is also active as a licensed real estate broker and is involved with Arbor Financial/The Turnkey Foundation. BCN Financial provides retirement plan advisory and financial planning services primarily to participants of employer-sponsored retirement plans and members of over 200 Police and Fire Department associations. The firm’s investment approach centers on mutual funds and ETFs, combining fundamental, technical, and sentiment analysis with a market-timing component, and it maintains a focus on client reporting and transparency.

Michael Parrinello is a financial advisor at BCN Financial, Inc. with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including LPL Financial LLC and Crown Capital Securities, LP. Outside of his advisory work, he volunteers as a football coach in Valencia, CA. BCN Financial provides retirement plan advisory and financial planning services primarily to employer-sponsored retirement plan participants and members of over 200 Police and Fire Department associations. The firm’s investment approach emphasizes mutual funds and ETFs, combining fundamental, technical, and sentiment analysis with market timing, and it offers detailed client reporting and performance transparency uncommon among similar-sized firms.

Michael Romanchak is a financial advisor with BCN Financial, Inc. in Alameda, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior roles include positions at LPL Financial LLC, Crown Capital Securities, LP, and Quest Securities, Inc. In addition to his financial career, he operates Michael Romanchak Photography, a web-based gallery selling his photographic work. BCN Financial, Inc. provides retirement plan advisory and financial planning services primarily to employer-sponsored plan participants and members of over 200 Police and Fire Department associations. The firm’s investment approach focuses on mutual funds and ETFs, combining fundamental, technical, and sentiment analysis with market timing, while typically offering non-discretionary advice and regular client reporting.