Allworth Financial, L.P., based in Folsom, CA, is a registered investment adviser specializing in providing investment advisory services through its Wrap Fee Program. Established in 2025, the firm offers a comprehensive range of services, including financial planning, retirement plan consulting, and variable annuity sub-account management. Allworth's investment strategies are tailored to individual client goals and objectives, with a focus on diversified portfolios and risk management. Clients participating in the Wrap Fee Program pay a management fee based on the value of their accounts, with a minimum annual fee of $2,500 and a maximum fee of 1.85%. The fee covers advisory services, trade execution fees, and most transaction costs. Allworth primarily manages accounts on a discretionary basis, allowing clients to impose reasonable restrictions on their accounts if desired. The firm conducts ongoing account reviews, provides regular statements and reports to clients, and ensures open communication channels between clients and portfolio managers. Allworth maintains a Code of Ethics to uphold the highest standards of professionalism and integrity. Additionally, the firm discloses potential conflicts of interest, such as referral arrangements and compensation structures related to third-party services. Allworth Financial has no reportable disciplinary events and maintains a strong financial position to meet its commitments to clients. Clients are encouraged to review the detailed information provided in the brochure for a comprehensive understanding of the firm's services, fees, and policies.

Gasber Financial Advisors, Inc. is an SEC-registered investment adviser founded in 1995, offering fee-only financial planning and investment management services. The firm provides personalized financial planning and investment management to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. Clients grant limited power of attorney to Gasber Financial Advisors for investment decisions within established parameters. The firm does not act as a custodian of client assets, ensuring clients maintain asset control. Gasber Financial Advisors offers comprehensive financial planning services covering areas such as risk management, tax planning, retirement planning, and estate planning. Investment management services include determining investment goals, asset allocation, and selection of securities or fund managers. The firm primarily recommends no-load mutual funds or Exchange Traded Funds. Clients pay investment management fees based on a tiered schedule according to the portfolio's value. The firm employs fundamental analysis and long-term investment strategies, focusing on strategic asset allocation and globally diversified portfolios. Gasber Financial Advisors does not engage in performance-based fees or side-by-side management. The firm does not have a history of legal or disciplinary events and does not participate in soft dollar programs. Clients receive quarterly performance reports and account reviews. Gasber Financial Advisors does not vote on client securities and does not have custody of client assets. The firm has a Business Continuity Plan and an Information Security Program in place to safeguard client information.