Kornerstone, Inc., established in 2014 in California, offers a range of investment advisory services to individuals and various client types. As a fiduciary, the firm prioritizes acting in the client's best interest. Services include Wrap Asset Management and Pension/Retirement Plan Consulting, providing services like investment policy statements, asset allocation, and investment monitoring. Financial Planning & Consulting services cover areas such as Investment Planning, Retirement Planning, and Estate Planning. The firm charges fees based on assets under management, with annual rates up to 1.50% for plan assets. Clients may place restrictions on investments, and the firm does not accept performance-based fees. Kornerstone primarily uses fundamental analysis for investment strategies, offering individual stocks, ETFs, and mutual funds. Clients are advised on potential investment risks, with no guarantee of meeting investment goals. The firm does not have any disciplinary events, and representatives are licensed insurance professionals. Kornerstone does not receive commissions or soft dollars, and clients receive account statements directly from custodians. The firm does not provide financial information in the brochure due to specific criteria not being met.

Sweeney & Michel, LLC is a financial advisory firm based in Chico, CA, offering comprehensive wealth management services to individuals, high net worth individuals, trusts, estates, charitable organizations, and various types of businesses. Established on an undisclosed date, the firm acts as a fiduciary, always prioritizing clients' best interests. They offer a wrap fee program where clients pay a single fee for investment advisory services and associated custodial transaction costs. The maximum annual fee for this service is 0.75%, billed quarterly or monthly based on the average daily balance. The firm's investment strategies include long-term purchases, short-term purchases, debt securities, equity securities, exchange-traded funds, and mutual funds. They also engage in margin transactions, options trading, covered calls, and interval funds. Sweeney & Michel does not charge performance-based fees and emphasizes diversification to manage risks. The firm's code of ethics ensures fair and ethical practices, and they do not pay referral fees. Clients have access to their portfolio managers for direct communication, and the firm conducts regular account reviews to ensure alignment with clients' goals and market conditions. Sweeney & Michel receives institutional platform services from Fidelity, providing additional benefits at no cost to the firm. The brochure, dated March 31, 2025, contains detailed information on the firm's services, fees, investment strategies, client interactions, and compliance policies.

Chico Wealth RIA, Inc., also known as The O'Donnell Group, is a financial advisory firm based in Chico, California, established in March 2012 by principal owner Ryan Timothy O’Donnell. The firm offers Investment Supervisory Services tailored to individual client goals, Financial Planning services covering various financial aspects, and advice limited to specific types of investments such as mutual funds, equities, bonds, and real estate. Clients may impose restrictions on investments based on personal values. The firm does not participate in wrap fee programs and manages over $462 million in discretionary assets. For fees, Investment Supervisory Services are charged based on a tiered percentage of assets under management, with fees negotiable depending on client needs. Financial Planning fees are structured as fixed fees or hourly rates. Clients are responsible for third-party fees, and fees are collected in advance, with refunds prorated upon termination. The firm does not accept performance-based fees or compensation for the sale of securities. Chico Wealth RIA employs investment strategies based on the Efficient Markets Hypothesis and the Fama-French three factor model, aiming to maximize returns for a given level of risk. The firm discloses potential risks associated with specific securities utilized, such as mutual funds, stocks, and real estate funds. The firm's investment philosophy focuses on long-term trading and margin transactions. Clients receive regular account reviews and reports, and the firm maintains a Code of Ethics covering various aspects of ethical conduct.

Murray Financial Services is an SEC-registered investment adviser based in California, established in 2015 by Kevin Ian Murray. The firm offers discretionary portfolio management services, financial planning, consulting, and pension consulting. They tailor services to individual clients, offering various investment strategies such as long-term and short-term purchases, primarily utilizing Dimensional Fund's mutual funds. Murray Financial charges annual advisory fees based on a tiered structure, with no minimum asset requirement. Financial planning fees are determined by the complexity of services provided. The firm does not charge performance-based fees and does not sponsor a wrap program. As a fiduciary, Murray Financial acts in the best interest of clients and discloses any conflicts of interest, such as Mr. Murray's independent insurance agent role. The firm does not vote proxies for clients and does not have any financial conditions that would impair meeting contractual obligations. Murray Financial protects clients' personal information through various security measures and only shares information for specific business purposes, with limited options for clients to restrict sharing. Clients can contact the firm for privacy-related inquiries.