**Background and Expertise:** Central Valley Advisors, LLC, operating as The Salvetti Group, is a registered investment adviser based in Sacramento, CA. The firm was established on an unspecified date and specializes in managing assets for various clients to help achieve their financial goals. As a fiduciary, The Salvetti Group is committed to acting in the best interests of its clients by maintaining open communication and understanding their investment objectives. **Services, Fees & Compensation:** The Salvetti Group offers a wrap fee program where clients pay a single fee for investment advisory services and associated custodial transaction costs. The firm absorbs client transaction fees, incentivizing limited trading activities to reduce costs. Clients participating in the wrap fee program grant discretionary authority to manage their accounts. The maximum annual fee charged does not exceed 2.00% of assets under management, billed monthly based on the average daily balance. The firm may directly invoice clients, with fees due within 15 days of the invoice date. **Investment Strategies & Analysis:** The Salvetti Group employs various methods of analysis, including charting, cyclical analysis, fundamental analysis, quantitative analysis, and sector analysis. Investment strategies include asset allocation, long-term purchases, margin transactions, options, short sales, and trading. The firm tailors portfolios to meet individual client needs and continuously monitors and rebalances portfolios as necessary. **Account Requirements & Types of Clients:** The Salvetti Group serves individuals, high net worth individuals, trusts, estates, charitable organizations, pension and profit-sharing plans, as well as corporations and other business entities. The firm does not impose specific requirements for opening or maintaining accounts. **Additional Information:** The firm does not have any material disciplinary events and does not receive compensation from third parties for client referrals. Clients are provided with privacy protection and are informed about the risks associated with various investment strategies. The Salvetti Group does not take custody of client funds and provides regular account reviews to ensure client needs are met. The firm may provide recommendations for IRA rollovers, earning asset-based fees in such cases. Please contact The Salvetti Group for further details or inquiries at 916-414-8282 or [email protected].

Towerpoint Wealth is a financial advisor firm established in 2017, based in Sacramento, CA. The firm specializes in providing investment advisory services to individuals and various clients. Towerpoint Wealth operates as a fiduciary, committed to acting in the best interest of clients. Services offered include Wealth Management, Financial Planning & Consulting, Portfolio Monitoring, and Retirement Plan Consulting. The firm's investment strategies include Long-Term Purchases, Short-Term Purchases, Trading, Margin Loans, Options, Covered Calls, and Uncovered Options. Towerpoint Wealth manages $468,735,598 on a discretionary basis and $1,267,175 on a non-discretionary basis as of December 31, 2024. The fee structure for Wealth Management services is tiered based on assets under management, while Financial Planning & Consulting fees are charged on an hourly or flat fee basis. The firm recommends utilizing Charles Schwab & Co. for custody and brokerage services, with Altruist Financial LLC as an alternative for certain client account types. Towerpoint Wealth receives support from Schwab for administrative purposes, and clients receive account statements directly from custodians. The firm does not accept proxy authority to vote client securities. Towerpoint Wealth does not have financial information disclosed in the brochure.

Lucas Group Financial Planners, Inc. is a registered investment adviser established in 2004, located in Sacramento, California. The firm offers Investment Supervisory Services (ISS) Model Portfolio Management, providing continuous supervision over specified accounts using model asset allocation portfolios tailored to meet investment goals and risk tolerance. Clients must appoint the firm as the investment adviser of record on specified accounts, which are managed on a discretionary basis. The firm actively monitors and trades accounts based on clients' financial situations, objectives, and risk tolerance. Clients have the opportunity to place restrictions on investments held in their accounts. The firm also offers Selection and Monitoring of Third-Party Money Managers programs, where independent registered investment advisers manage client portfolios based on individual circumstances and needs. Lucas Group Financial Planners, Inc. provides financial planning services, including comprehensive evaluations of clients' financial states and written reports addressing various areas such as tax, investments, insurance, retirement, and estate planning. The firm manages a total of $374,733,822 of clients' assets as of January 15, 2025, with fees structured as a percentage of assets under management. Lucas Group Financial Planners, Inc. does not charge performance-based fees and acts as a fiduciary, putting clients' interests first. The firm does not engage in principal transactions and maintains a Code of Ethics to ensure ethical business conduct. Clients are responsible for directing the voting of their securities and receive quarterly reports summarizing account performance and holdings. The firm does not vote proxies on behalf of clients.

Avisen Advisors, LLC is a financial advisory firm based in Sacramento, California. It currently has approximately $257,663,151 of assets under management and employs about 8 people. Avisen Advisors, LLC uses a fee structure of a percentage of assets under your management, hourly charges and fixed fees.

Boyd Wealth Management, LLC is a financial advisory firm based in Sacramento, California. It currently has approximately $250,337,737 of assets under management and employs about 5 people. Boyd Wealth Management, LLC uses a fee structure of a percentage of assets under your management and fixed fees.

AF Advisors, Inc. dba Adams Ashby Financial Advisors is a California-based investment adviser established in 2009 by Jeffery Adams and Nina Adams. The firm offers comprehensive portfolio management services, including financial planning and consulting, tailored to individual clients' financial goals and risk tolerance. They also provide pension consulting services for employer plan sponsors in compliance with ERISA regulations. The firm manages over $737 million in assets on a discretionary basis. For their Comprehensive Portfolio Management service, fees are charged at 1.25% annually based on assets under management, billed quarterly. The firm does not offer performance-based fees or side-by-side management. Clients include individuals, high net worth individuals, trusts, estates, charitable organizations, and various business entities, with no minimum account balance requirement. Investment strategies include long-term purchases, short-term purchases, trading, short sales, margin transactions, and options. The firm conducts cyclical, fundamental, technical, and charting analysis to inform their investment decisions. They disclose various risks associated with investing, such as capital risk, economic risk, and market risk. AF Advisors acts as a fiduciary, ensuring full disclosure, acting in clients' best interests, and maintaining a high Code of Ethics. The firm does not receive compensation for client referrals or accept proxy authority to vote client securities. They recommend clients maintain accounts with Charles Schwab for custody and trading services, with whom they have a soft dollar arrangement for research and brokerage services. The firm does not provide financial information in the brochure as they do not meet the specified criteria.

Tate Private Wealth Advisers, established in 2005 and based in Sacramento, California, is a SEC-registered investment adviser offering individual portfolio management services. The firm manages approximately $233 million in client assets on a discretionary basis. Investment discretion allows Tate to make decisions and execute trades without prior client approval, based on stated investment objectives. The firm primarily recommends mutual funds and exchange-traded funds, with the option for clients to impose restrictions on investments. Tate's fee structure is based on a percentage of assets under management, with a minimum annual fee of $5,000 for portfolio management services. The firm may negotiate fees within specified ranges. Tate does not charge performance-based fees or engage in side-by-side management. The firm typically serves individuals, pension plans, trusts, estates, and business entities, with a minimum account size of $100,000. Tate's investment strategies include long-term and short-term purchases, with a focus on risk management. The firm utilizes third-party research from BlackRock and Dimensional Fund Advisors, among others, to inform investment decisions. Tate recommends clients maintain accounts with Fidelity or Schwab for trading and custody services. Tate receives benefits from these custodians, including access to institutional services and research. The firm has a Code of Ethics to ensure ethical conduct and compliance with securities laws. Tate does not vote proxies on behalf of clients.

Hansen & Associates Financial Group, Inc. is a registered investment adviser based in Roseville, CA, founded by Mark S. Hansen, CFP®, ChFC®. The firm specializes in providing asset management and investment consulting services for various clients, focusing on meeting financial goals while considering risk tolerance and time horizons. As a fiduciary, the firm is committed to acting in the best interest of clients, maintaining open communication, and offering personalized advisory services. Services offered include comprehensive financial planning and consulting, tailored portfolio management services, and retirement plan consulting for employer plan sponsors. The firm's investment philosophy centers on a quantitative Tactical Asset Allocation approach, combining momentum and risk parity strategies to optimize returns while managing risk. Portfolios are designed with a focus on value, safety, and quality, utilizing exchange-traded funds (ETFs) and other securities. Clients are not required to have a minimum account size, and fees for financial planning services range from $500 to $5,000, depending on complexity. Portfolio management fees are based on a percentage of assets under management, typically ranging from 0.80% to 2.60%. The firm does not charge performance-based fees and does not engage in soft dollar arrangements. Hansen & Associates Financial Group, Inc. does not maintain custody of client assets and works with qualified custodians like Interactive Brokers and LPL Financial. The firm does not allow client-directed brokerage and follows a policy of not entering into soft dollar arrangements. Clients receive periodic reviews of their accounts and have the option to grant investment discretion. The firm does not vote proxies for client securities and provides detailed disclosures regarding fees, compensation, investment strategies, and potential risks.