ROY & O’CONNOR CPAs, INC.

www.royandoconnor.com

Roy & O’Connor is a full-service, professional accounting firm that has served the needs of businesses and individuals in San Luis Obispo County since 1950. Many of their clients have been with them since the practice was established and continue to receive the quality service and individual attention for which the firm has always been known.

Their business philosophy is simple: they believe in building lasting relationships based on professional competence and trust, and they seek to contribute to the success of each of their clients. Supported by the latest in technology, the staff of highly qualified, experienced professionals is always prepared to offer advice on important financial issues.

COAST NATIONAL BANK

www.coastnationalbank.com

Coast National Bank was established by a group of local business professionals with long-standing roots in the community. As a locally-owned and operated financial institution, Coast National Bank understands what its customers need to live and succeed on the Central Coast.

For the fifth year in a row, Coast National Bank’s Small Business Administration Lending Center (SBA) was named “number one” on the Central Coast. Led by Executive Vice President and well-known small business advocate Davina Palazzo, the Lending Center provides financial solutions for local business owners looking to start or expand a company. Coast National Bank also offers a variety of checking, saving, and lending options for personal bankers. Coast National Bank is an Equal Housing Lender, member FDIC, and SBA Preferred Lender.

HERITAGE OAKS BANK

www.heritageoaksbank.com

When Heritage Oaks Bank celebrates its 25th anniversary in 2008, it will be as the largest locally-owned community bank on the Central Coast.

The organization’s daily dedication to serving in the best interests of its clients and employees helps Heritage Oaks Bank achieve its goal of becoming the best community bank in California.

The staff measures themselves on their world-class service, which is complemented by the bank directors’ genuine personal connection with the communities in which they live and work. They are committed to ensuring that Heritage Oaks is not just a great bank, but also a good corporate and community citizen.

Heritage Oaks Bank, which was founded in Paso Robles, now serves both San Luis Obispo and Santa Barbara counties with 15 convenient branch locations. This includes the newest member of the banking family, Business First Bank, which has two branches in downtown Santa Barbara and operates as a division of Heritage Oaks Bank and the newest office in San Miguel.

At Heritage Oaks Bank you can always “Expect More.” The friendly staff promises to listen and help you achieve your goals by being Responsive, Respectful, and Reliable.

CAPWEST SECURITIES, INC.

www.capwestsec.com

The tremendous growth in value for real estate investments may come with the price of tax and management issues. CapWest Securities, Inc.’s Jeffrey S. Cederberg believes that the use of a 1031 exchange into a Tenant-in-Common investment is one of the more effective means of deferring capital gains tax, diversifying investments, consolidating real estate holdings, or increasing the leverage on an investment.

Working with some of the nation’s leading real estate providers, Cederberg is able to provide investors with one of the largest ready inventories of Tenant-in-Common properties. Tenant-in-Common investments extend the 1031 exchange benefits and provide a bridge between individual investors and institutional properties. Call CapWest Securities to discuss their specialized investment opportunities.

HARLEY FINANCIAL ADVISORS

Harley Financial Advisors provides a non-biased third-party perspective on financial products. Owner Nicolette Harley works under the principle of “empowerment through education” in order to guide and educate the consumer (individuals, families and businesses) on financial options. By understanding how cash flow, tax liabilities, asset management, estate planning, and insurance strategies work together, Nicolette is able to help her clients make informed decisions.

“ I will bring your financial team together to put you on the road toward financial freedom faster. I do not sell products; instead, I focus on helping you put together a plan that works and then implementing that plan. As consumers, we need to take responsibility for our financial well-being and be smart customers.” –Nicolette Harley

MAGUIRE INVESTMENTS, INC.

www.maguireinvest.com

Albert L. Maguire, MidState Bank’s founder, established Maguire Investments in 1955 on a foundation of high principles and deep trust that endures to this day. Like his father, Stephen P. Maguire has shepherded the family firm through generations of devoted clients. After nearly a half-century of service, Maguire Investments thrives on its integrity and deep community relationships.

“We think long-term, quality, and generational continuity,” says Maguire. “We are very specific and personalized in how we work with our clients. We foster a service-oriented culture that encourages loyalty.” That loyalty carries over to its staff of 14 (many of whom have been with the firm for decades) and the network of CPA’s, attorneys, and established professionals who work closely with them. Within the current climate of fast money and speculative ventures, Maguire Investments offers the time-honored values of security, tradition, and permanence—balancing each with skilled discipline.

Located in Santa Maria, Maguire Investments serves clients in Santa Barbara and San Luis Obispo Counties and throughout California. As members of The Financial Industry Regulatory Authority (FINRA), Securities Investor Protection Corporation (SIPC), and Municipal Securities Rulemaking Board (MSRB), Maguire Investments, Inc. executes trades and carries client accounts through RBC Capital Markets.

TAYLOR FRIGON CAPITAL MANAGEMENT LCC

www.taylorfrigon.com

Taylor Frigon Capital Management LLC is an independent, fee-only, SEC-registered investment advisory firm that helps private investors build wealth and create multigenerational financial legacies. They offer families and institutions a dynamic combination of financial planning, investment management, and family office services together with the highest quality personal attention.

The firm is headed by Gerard J. Frigon, an astute and experienced investment professional with over 20 years of experience in investment strategy and portfolio management. Taylor Frigon was founded on principles of trust, integrity, and personal service. Their objective is to deliver the best financial advice in a friendly, low-key manner. The team is committed to managing investment portfolios in the clients’ best interests—helping them accumulate capital, achieve financial security, and create legacies for future generations.

WILLIAM ROBERTS INSURANCE SERVICES

www.wrobertsinsurance.com

Possibly the “best kept secret” of the local insurance business, William Roberts Insurance Services is a full-service, independent health insurance agency specializing in small-group, individual, and Medicare supplement plans. Owner Bill Roberts is a third-generation San Luis Obispo native with a strong connection to San Luis Obispo County and an enduring commitment to his clients. With 27 years of experience in the health insurance business, William Roberts Insurance Services knows how to provide every client with the personal attention and care they deserve.

“We provide a place where our clients can still find agents that genuinely know and care for them as individuals,” Roberts says. We treat people the way we would want to be treated—with patience and respect.”

THE THOM GROUP

The Thom Group Investment & Insurance Firm prides itself on its “family-owned” heritage. As a full-service investment advisory firm, The Thom Group offers (through First Allied Securities) financial services in stocks, bonds, mutual funds, IRAs, 401Ks, 529 college savings plans, unit investment trusts, health insurance, life insurance, and long-term care insurance. With over 40 years of combined experience assisting Central Coast families and businesses, The Thom Group now has two offices to better serve you.

For your financial and insurance needs, The Thom Group offers educational investing seminars. Beginning in November 2007, Stacey Stanek, Financial Consultant, will be conducting financial workshops throughout the county. Contact Stacey at (805) 489-1838 to request a schedule of upcoming financial workshops. First Allied Securities, Inc., Registered Broker/Dealer member FINRA/SIPC.

JOHN A. RONCA, JR.,
A LAW CORPORATION

www.roncalaw.com

In 1979, John Ronca, Jr. began his law practice in San Luis Obispo, his childhood hometown. A certified specialist by the California State Bar in Estate Planning, Trust & Probate Law, his practice also includes Corporate, Partnership, LLC, and Real Estate Law. He is a professor of taxation at Cal Poly and holds the highest rating awarded by the prestigious Martindale-Hubbell attorney rating service.

John serves on the board of the Civic Ballet, Mission Parish, SLO Country Club, and Northern California Golf Association, and is also Chairman of the Board for San Luis Trust Bank, French Hospital Community Board, and the Straight Down Fall Classic. John is married to Tracy and their daughters Stephanie and Rachel attend Mission College Preparatory where John coaches the girls’ tennis team.

THE MORTGAGE HOUSE, INC.

www.themortgagehouse.com

The Mortgage House was opened based on the strength and experience of Roxanne Carr and her partners, totaling over 25 years each. The company was “founded on the idea of always putting customers first, with honesty and integrity as its foremost principle in all dealings.” The company offers a full range of residential financing and is a leader in the reverse mortgage field. Roxanne, shown here with two of her senior loan officers, is proud of her group and their tenure with the company. Active in the community, she currently serves as President of the Rotary Club of San Luis Obispo and on the board for Cuesta College Foundation, Mission Community Bank, Cuesta Title Company, Home Builders Association, and UCSB SLO County Economic Forecast.

WELLS FARGO HOME MORTGAGE

www.wellsfargo.com

Wells Fargo Home Mortgage is proud to be a part of the Wells Fargo Bank Team. As the Nation’s only triple-A rated bank, Wells Fargo enjoys a unique position in the marketplace. During this changing time in the mortgage market, their strong liquid position allows them to offer customers a full range of products and services.

The Paso Robles staff works closely with the Home Credit Solutions and Reverse Mortgage Partners to ensure customers receive a complete range of products. Whether you need a loan to purchase your new home, a construction loan to build your dream house, want to access equity in your current home, or have unique lending needs, Wells Fargo Home Mortgage would like to partner with you.

RODESSA NEWTON
AURIGNAC & ASSOCIATES

www.rodessanewton.com

Rodessa Newton is the Managing Broker with Aurignac and Associates. Her high standards of quality, professionalism, and results-driven attitude are sure to exceed your expectations.

“As a real estate professional, one thing that sets Rodessa apart is that she is out there participating in the buying and selling of properties, buying foreclosures, doing 1031 exchanges, REIT’s, private money lending, and development,” says owner Patrick Aurignac.

When working with clients, Rodessa sees herself as an advisor. She customizes her services to each client based on that person’s individual goals and personal situation. It is the long-term client relationship that is important to Rodessa, not selling someone something that does not make financial sense.

“In the end, the reward is seeing peoples’ dreams come true.”-Rodessa Newton

TEAM GOODELL

www.teamgoodell.com

When you are buying or selling property, it’s important to have confidence in your real estate professional. Team Goodell is an alliance of exceptional real estate professionals thriving under the leadership of John Goodell, one of the most successful real estate brokers on the Central Coast. John has been in the real estate business since 1978 and is a fourth-generation local resident who knows this region well. Together with his team, John provides top-level professional service and is dedicated to making your real estate transactions as easy and successful as possible.

Team Goodell has unparalleled knowledge of the markets throughout the Central Coast and has represented buyers, sellers, and investors with great success. The team’s technical and business expertise provides a tremendous advantage over other organizations in identifying investment opportunities. As your local Realtors®, Team Goodell strives to provide you with specialized real estate services by keeping you informed of local trends in the marketplace using the latest statistics in your area.

With ever changing property values, real estate can be a sound investment now and for the future. By choosing Team Goodell, you can always expect experience, performance, and professionalism.

STRATEGIC DIRECTIONS
THE HERLIHY GROUP

www.theherlihygroup.com

As father and son, Jack and Matt Herlihy understand the value of clear communication and working together for a common goal. That same concept applies in business: management can’t succeed without the support and input of the employees who are responsible for implementing the company’s processes. As such, they need to be included in creating the company’s strategies for growth. Clear communication—from top to bottom.

Strategic Directions – The Herlihy Group is a management consulting firm focused on helping companies create and sustain a competitive advantage. The firm was founded in 1980 by Jack Herlihy under the guiding principle that every organization needs a well-defined strategy to grow the business. But that strategy is only as good as the ability of the company team to understand and share that vision.

The Herlihy Group specializes in bringing all the pieces together to create an effective strategic plan and then guiding the company through the process of executing that plan. Their proven system has resulted in the success of a multitude of companies throughout the United States.

The Herlihy Group offers a no cost, no obligation initial consultation. The first step to any solid plan is to “take action.”