California Financial Advisors, established in 1998, is a SEC-registered investment adviser based in California. The firm offers Investment Supervisory Services (ISS) and Individual Portfolio Management, providing continuous advice tailored to each client's needs. They offer financial planning services, evaluating current and future financial states to predict cash flows and asset values. Consulting services are also available for specific financial concerns. As of 12/31/2024, the firm managed $1.7 billion on a discretionary basis and $267 million on a non-discretionary basis. For ISS and Individual Portfolio Management, fees range from 0.4% to 1.2% based on assets under management, with a minimum of $100,000. Financial Planning and Consulting services are charged hourly at $150 to $450. The firm does not charge performance-based fees. Clients have the right to select their broker or dealer, with Schwab and Fidelity recommended as custodians. California Financial Advisors may direct brokerage transactions to brokers providing research services. The firm does not engage solicitors for client referrals and does not charge fees in advance exceeding $1,200. The firm has no reportable disciplinary events and maintains a Code of Ethics ensuring ethical business conduct. Clients receive quarterly reviews and reports for managed accounts. Proxy voting is conducted for client securities, with clients having the option to vote themselves. The firm has no financial conditions impairing its ability to meet obligations.

Intersect Capital LLC, based in San Ramon, California, has been providing investment advisory services since 1997. The firm specializes in offering a range of investment management programs, including retirement planning, estate planning, asset allocation, and discretionary and non-discretionary portfolio management services. Intersect Capital LLC is a fee-only advisor, meaning they are compensated exclusively by clients and do not receive commissions or soft dollar compensation. The firm may offer financial planning services, charging an average hourly fee of $200, and portfolio management services with annual fees typically ranging between 1.30% and 0.50% based on assets under management. Clients are required to have a minimum of $1,000,000 to open and maintain an advisory account, although this minimum may be waived at the firm's discretion. Intersect Capital LLC may provide discretionary or non-discretionary portfolio management services, with discretionary authority allowing the firm to manage client accounts without prior approval for each transaction. The firm does not accept performance-based fees or engage in side-by-side management. Clients receive regular account reviews and reports, and the firm does not vote proxies on behalf of clients. Intersect Capital LLC does not have any disciplinary information and maintains strict privacy policies to protect clients' personal information.

Insight Wealth Strategies, LLC is a financial advisory firm based in San Ramon, California. It currently has approximately $769,948,994 of assets under management and employs about 14 people. Insight Wealth Strategies, LLC uses a fee structure of a percentage of assets under your management, hourly charges and fixed fees.

Goldstein Munger + Associates is a California corporation providing investment management and financial consulting services since its establishment in 1995 by Richard M. Goldstein and Robert G. Munger. The firm offers services such as financial goal setting, risk assessment, strategic asset allocation, and securities selection. Clients' portfolios are continuously supervised, and asset allocations are periodically reviewed based on individual financial circumstances and objectives. The firm's investment strategy includes a mix of low-cost mutual funds, exchange-traded index funds, and occasionally individual securities. GM+A is a fiduciary for retirement accounts, acting in clients' best interests under ERISA and the Internal Revenue Code. The firm charges investment management fees based on a percentage of assets under management, with a minimum annual fee of $15,000. Clients may choose between two fee structures or opt for hourly consulting services. GM+A does not pay referral fees and recommends clients custody their assets with Charles Schwab & Co., Inc. The firm has no disciplinary history and conducts proxy voting for client securities. Clients have the option to vote proxies themselves. GM+A does not maintain physical custody of client assets and provides quarterly performance reports and account reviews.

The Pacific Center for Financial Services (PCFS) is a registered investment adviser established in 1997 and owned by the Schliesser Family Trust. The firm specializes in financial planning, consulting, and investment management services. PCFS manages assets totaling $758,515,730, with $704,034,988 under discretionary management and $109,850,845 under non-discretionary management as of June 30, 2023. The firm offers financial planning services, including asset management, tax management, estate planning, and risk management. Investment management services through the Managed Account Program involve investing in mutual funds, stocks, ETFs, and bonds. PCFS charges fixed or hourly fees for financial planning and consulting services, ranging from $250 to $2,000 or $200 per hour. Investment management fees are based on a tiered schedule, starting at 1.25% for portfolios up to $249,999. Clients have the option to leave standing instructions, impose restrictions, and discuss their accounts with an Investment Adviser Representative. PCFS acts as a fiduciary when providing retirement plan rollover recommendations. The firm does not charge performance-based fees and offers services to individuals, high net worth families, and retirement accounts. The minimum account value for the Managed Account Program is $50,000, with exceptions made based on certain criteria. PCFS utilizes fundamental, technical, and cyclical analysis for investment strategies, focusing on asset allocation. The firm discloses its brokerage practices, including the recommendation of broker-dealers, trade aggregation, and the receipt of economic benefits from custodians. Clients receive regular account statements and performance reports, and PCFS does not accept proxy voting authority. The firm does not have any disciplinary information or financial conditions that may impair its ability to meet commitments.

Dustin Blodgett Insight Capital, LLC, operating as Insight Capital Management, is an SEC-registered firm established in 2021 by Dustin Blodgett. The firm offers investment management, financial planning services, and educational workshops covering various investment types. They provide tailored investment supervisory services, with discretionary authority available for client accounts. Fees range from 0% to 2% of assets under management annually, with negotiable rates and additional financial planning fees. Quarterly billing is based on managed assets. The firm manages $325,444,000 in client assets on a discretionary basis. They do not charge performance-based fees. Clients include individuals, trusts, corporations, and pension plans. Investment strategies may involve long-term or short-term investments, with a focus on understanding client needs and risk tolerance. The firm does not participate in wrap fee programs. Brokerage practices prioritize best execution, recommending TD Ameritrade for client accounts. They do not receive soft dollar benefits. Insight Capital Management does not vote client securities or proxies. The firm has no disciplinary history and does not compensate for client referrals. Clients are encouraged to compare account statements received from custodians and the firm.

Prosperity Wealth Management, Inc. is a California-based investment advisory firm established in 2015. The firm specializes in asset management, financial planning, pensions consulting, and referrals to third-party money managers. Clients receive tailored investment strategies, including individual stock and bond portfolios, ETFs, options, and mutual funds. Investment discretion is granted to the firm, allowing them to execute transactions on behalf of clients. Prosperity Wealth Management charges asset-based fees ranging from 1.20% to 2.00% annually, deducted quarterly in advance. Financial planning and consulting services are offered on an hourly or flat fee basis, with fees up to $10,000. The firm manages $442,192,443 in discretionary assets as of December 31, 2024. Clients are encouraged to review account statements from the qualified custodian, Charles Schwab & Co., Inc. The firm does not accept performance-based fees, and clients have the opportunity to place reasonable restrictions on their investments. Prosperity Wealth Management emphasizes continuous account supervision and periodic reviews to align with client goals and objectives. The firm follows a code of ethics, acting as a fiduciary in the best interests of clients. No disciplinary events are reported, and the firm does not accept soft dollars or referral fees. Clients are provided with detailed information on investment strategies, risks, and potential conflicts of interest.

**Summary:** **Background and Expertise:** Prosperity Financial Group, Inc. is a registered investment adviser specializing in Asset Management, Financial Planning, and Consulting services. Established in 2010, the firm emphasizes continuous account supervision and tailors investment strategies to meet individual client needs. They offer services such as investment planning, retirement planning, estate planning, and tax planning. **Consumer-Facing Terms:** - Minimum Initial Investment: Varies based on assets under management. - Fee Structure: Asset Management fees range from 0.70% to 2.00% based on assets under management. Financial Planning fees are hourly or flat-based. - Fiduciary Status: The firm acts as a fiduciary, putting clients' interests first. - Investment Discretion: Clients grant investment discretion to the firm. - Investment Philosophy: Utilizes fundamental and technical analysis, with a focus on long-term investment strategies. **Advisory Business Description:** Prosperity Financial Group, Inc. offers individualized investment advice through portfolio management services and general investment advice through Financial Planning and Third-Party Money Managers. They conduct regular reviews of client accounts and provide ongoing support to help clients achieve their financial goals. This summary is based on the information provided in Part 2A of Form ADV: Firm Brochure for Prosperity Financial Group, Inc.

Lfs Wealth Advisors is a financial advisory firm based in San Ramon, California. It currently has approximately $210,400,000 of assets under management and employs about 7 people. Lfs Wealth Advisors uses a fee structure of a percentage of assets under your management, fixed fees and commissions.