Symphony Financial Planning, LLC is a fee-only registered investment advisor based in Davis, California, established in 2006 by Paul A. Meyerhoff. The firm specializes in providing portfolio management and financial planning services to clients. They offer two main services: the Orchestra Service, which combines portfolio management and financial planning, and the Duet Service, which offers financial planning on an hourly basis without portfolio management. Clients can have their accounts managed on a discretionary or non-discretionary basis, with a focus on long-term purchases and short-term purchases as investment strategies. For the Orchestra Service, the minimum household portfolio size is $500,000, and fees are based on a percentage of assets under management, ranging from 0.50% to 1.50%. The firm recommends using TD Ameritrade Institutional or Charles Schwab & Co., Inc. as custodians and brokers. Symphony Financial Planning does not charge performance-based fees, and they do not engage in side-by-side management. The firm does not have any reportable disciplinary events and acts as a fiduciary, putting clients' interests first. Clients receive quarterly reports and have access to educational conferences and events provided by the custodians. Paul A. Meyerhoff, Taylor Rios, and Ann B. Fagan are the key professionals at the firm, all holding the Certified Financial Planner (CFP®) designation. Meyerhoff is the President and Chief Compliance Officer, overseeing all aspects of the firm's operations. Clients can reach him at (530) 758-2885.

Carbahal Olsen Financial Services Group, LLC is a registered investment adviser based in Davis, California, offering financial planning and asset management services. Established in 1999 and registered in 2010, the firm's principals are Kurt D. Schrader, Manuel A. Carbahal, and John M. Carbahal, with Larry Olsen as Chief Investment Officer and Kurt Schrader as Chief Compliance Officer. They provide services in twelve states, primarily in California. The firm offers financial planning services, including consultations and comprehensive planning, with fees ranging from $75 to $350 per hour or $250 to $1500 per plan. Asset management services involve discretionary management of securities such as mutual funds, ETFs, individual stocks, and bonds. The minimum investment to open an account is $50,000, with fees ranging from 0.40% to 1.75% based on the account value. The firm follows a Core/Satellite investment strategy, focusing on global diversification and tactical asset allocation. Clients have the option to implement recommendations independently. The firm does not charge performance-based fees and provides services to individuals, high net worth individuals, small businesses, and pension plans. Clients' accounts are custodied by Fidelity, and the firm does not maintain custody of client funds. The firm does not perform proxy voting services but assists clients with proxy-related queries. There have been no material disciplinary events, and the firm's financial condition is sound.

Kevin M. Young Financial, Inc., operating as Young Wealth Management, is a fee-only financial planning firm established in 2007 by Kevin M. Young, MBA, EA, CFP®. The firm specializes in providing financial planning and investment advisory services to individuals, high net worth individuals, families, trusts, estates, and small businesses. Young Wealth Management distinguishes itself by serving as a trusted guide to clients in identifying financial objectives, simplifying cash flow planning, and providing advice on financial risk, asset allocation, retirement planning, education planning, insurance, and estate planning. The firm does not sell insurance or investment products and is compensated solely through advisory fees paid by clients. Clients have investment discretion, allowing Young Wealth Management to execute trades on their behalf under a limited power of attorney. The firm offers combined asset management and financial planning services with a minimum household portfolio size of $500,000, which may be waived based on individual circumstances. Additionally, limited scope financial consulting services are available for clients below the minimum asset requirement. Young Wealth Management primarily recommends no-load mutual funds, ETFs, individual stocks and bonds, and government securities. As of January 24, 2024, the firm managed approximately $116,599,737 of client assets on a discretionary basis. Clients receive annual account reviews and may terminate the engagement with a 30-day written notice. The firm does not engage in performance-based fees, and clients are responsible for voting their securities' proxies. Young Wealth Management does not hold client funds directly and recommends Charles Schwab & Co., Inc. as a custodian for client accounts. The firm participates in Schwab's institutional program, receiving benefits that may indirectly influence the recommendation of Schwab's services to clients. Young Wealth Management has no financial conditions impairing its ability to meet contractual obligations and does not require advance payment exceeding $1,200 per client.