Randy is the founding member of the Biglione Financial Group. Randy has been in the financial services industry for over 36 year focusing primarily on the corporate retirement plan market and individual wealth management. Randy has established a reputation in the corporate market for his excellence and expertise in provider searches, investment due diligence, ERISA compliance support and employer education and communications programs.

He is committed to providing his clients with the highest level of service and ethics. He also understands the importance of all client’s individual needs and concerns. 

Randy has been asked to be a member of several 401(k) advisory councils with nationally known 401(k) providers. He also is a member of the Retirement Plan Advisor Program (RPAP). This is an elite program of retirement advisors who specialize in servicing Institutional/Corporate Retirement Plan clients. RPAP Program Financial Advisors have an industry focus on serving plan sponsor clients with their defined contribution, defined benefit, and ERISA 403(b) plan needs. RPAP Advisors services include working with Plan Fiduciaries, Plan Administrators or various committees established by the organization/business that sponsors the retirement plan. He has qualified to be a Wells Fargo Advisors “Platinum Council” every year from 2001-2022.

Randy was born and raised in the Fresno/Clovis area. He graduated from Clovis High School in 1979, with honors, and then went on to graduate from California State University, Fresno in 1983.


State Securities Law Exam

Series 63 - Uniform Securities Agent State Law Examination
May 8, 1991

General Industry/Products Exam IE - Securities Industry Essentials Examination
Oct 1, 2018

Series 7 - General Securities Representative Examination
Jan 21, 1984

Registered States: AK, AL, AZ, CA, CO, FL, GA, ID, IL, KS, MI, MO, NE, NV, OK, OR, TN, TX, VA, WA

CA Insurance License Number: 0A60241. Resident State CA
 

The Platinum Council distinction is held by a select group of Financial Advisors within Wells Fargo Advisors Financial Network as measured by one or more of the following: completion of educational components, business production from the previous year, and professionalism. Additional consideration may have included best practices and team structures.

Michael Budd is a Financial Advisor at Encore Investment Consultants, having worked in financial industry for the past 38 years. He earned the CERTIFIED FINANCIAL PLANNER^® certification in 1988, and continues his focus on assisting families around the country in the establishment, implementation and meetings to review their investment plans.

Mike began his career as a Financial Advisor in 1980 when he associated with the firm of Drexel, Burnham, Lambert. Prior to joining Wells Fargo Advisors Financial Network in 2016, Mike was associated with Wachovia Securities and Morgan Stanley. He holds a B.S. in Business Administration from California State University in Fresno, CA.

Mike was a member of the California Air National Guard, joining as a jet engine mechanic in 1970. In 1973, he was selected to attend USAF pilot training and in 1974 returned to Fresno as a pilot in the 194th Fighter Squadron. He retired from military service in 1993 with the rank of Lieutenant Colonel.

When his is away from the office, you will find Mike flying or playing golf.

Registered States: AZ, CA, CO, ID, IL, IN, KS, MA, NV, OR, TX, VT, WA

CA Insurance License Number: 0A77842. Resident State CA

Andrew Carrigan is a Senior Financial Advisor and Partner at Encore Investment Consultants and brings more than 25 years of financial industry experience to the practice. Andrew is passionate about connecting with his clients – whether they are individuals, families or businesses – he gets to know them personally and prides himself on the long-term, solid relationships that are built. Andrew creates customized strategies, implements plans, monitors progress (for Advisory clients) and makes adjustments as the markets and client needs change.

Andrew holds a B.A. from Loyola Marymount University and a CFP^® certification.

In his personal life, Andrew, his wife and their two grown children embrace experiences. He is as comfortable flying by helicopter to snowboard the ski fields of New Zealand as he is at home in the kitchen cooking a creative meal. Andrew is known as the “fix-it” man at home and enjoys tinkering in the garage maintaining his motorcycles, repairing surfboards or building something useful.

Registered States: AZ, CA, CO, FL, IN, MT, OR, SC, UT, WA

CA Insurance License Number: 0B02057. Resident State CA.

Alyssa Cwik is a Financial Advisor with Encore Investment Consultants and brings nearly half a decade of experience in the financial services industry.  As part of the Carrigan Team, her mission is to help clients achieve their financial goals through comprehensive investment planning and personalized portfolio management—delivered with professionalism, integrity, and genuine care.

Alyssa holds a Bachelor of Arts degree in Secondary Education from the University of Nevada, Reno. 

Outside the office, she enjoys spending time outdoors tending to her garden with her fiancé, Keone, relaxing with her two cats, Kip and Atlas, or knitting her next handmade creation.

Registered States:  AZ, CA, CO, FL, IN, MT, OR, SC, UT, WA

California Insurance License Number: 4490768.  Resident State CA.

Focus
Jeff uses a holistic approach to create customized wealth management strategies focused on ensuring his clients’ wealth continues to support their unique financial goals even as their priorities, lives and markets change. To achieve this requires detailed planning, review and comprehensive problem solving in addition to a vigorous commitment to ongoing risk management.

Background and experience
Jeff boasts more than 23 years of experience helping individuals, families and businesses build, manage, preserve and transition wealth. He takes pride in being a reliable resource for his clients, striving to be accessible and responsive and, most importantly, to always treat clients how he himself wishes to be treated. Jeff is known for his strong work ethic, integrity and reliability. He is honored to serve as an advisor to his clients on important issues and never loses sight of that responsibility. Jeff values establishing long-term relationships with his clients and goes the extra mile to develop meaningful connections with them.

Away from the office
A San Diego native, Jeff has called Fresno home since 1997. He and his wife, Ryan, have 3 children: Gavin, Cole and Madelyn. Jeff played Division 1 collegiate soccer for Fresno State, where he was a goalkeeper and team captain, and today enjoys coaching his children’s soccer teams. Together he and his wife sponsor international children through their church. Jeff stays active on the Golf Committee at Copper River Country Club and spending time with his family. If he’s not at home, at work or on the soccer field, Jeff can usually be found on the golf course.

Registered States: AR, AZ, CA, CO, CT, FL, IA, ID, IN, MA, MT, NM, NV, OR, SD, TN, TX, UT, WA

CA Insurance License Number: 0D31423. Resident State CA

Jeff Garza is a Senior Financial Advisor at Encore Investment Consultants. Jeff has been in the investment management profession since 1994.

Prior to joining Encore Investment Consultants, he worked for Morgan Stanley, Wachovia Securities (now Wells Fargo Advisors) and Merrill Lynch.

Before joining the investment profession, Jeff was Chief Financial Officer for a large agricultural company, a financial services processing company and a start-up entertainment software company, all located in Central California.

Jeff’s initial career after graduating from college was with the international accounting firm of Touche Ross & Co., now known as Deloitte. He served in both the audit and tax departments. Jeff earned his Certified Public Accountant (CPA) license in 1979 (not currently practicing) and his Certified Portfolio Manager (CPM®) in 2017. 

Jeff is a 1976 graduate of California State University, Fresno where he earned a Bachelor’s of Science Degree in Business Administration (magna cum laude).

Jeff is a long-time member of Rotary International. He is also a member of the California CPA Society and the Academy of Certified Portfolio Managers.

Jeff is married to Linda, a retired property and casualty insurance agent. They have two adult sons and two young grandchildren.

Registered States: AZ, CA, IN, NV, TN, TX, WA

CA Insurance License Number: 0B36376. Resident State CA.

Brian Gibson is a Senior Financial Advisor at Encore Investment Consultants and has 13 years of experience in the financial industry. When working with clients, his ultimate goal is to understand their needs and make them feel comfortable about their financial future. He takes pride in helping his clients navigate their financial decisions before and after retirement.

Brian has a degree in International Relations, Global Business from the University of Southern California (USC). Prior to joining Wells Fargo Advisors Financial Network, Brian worked at Morgan Stanley.

When he's not at the office, Brian is a husband and a father who enjoys travelling and the outdoors. You can usually find Brian hiking, skiing, playing soccer or on the golf course.

Registered States: AK, AL, AR, AZ, CA, CO, CT, FL, HI, IA, ID, IL, IN, KS, MA, MD, MI, MO, MS, MT, NC, NE, NV, OK, OR, SC, SD, TN, TX, UT, VA, VT, WA, WY

CA Insurance License Number: 0E92716. Resident State CA.

Randall Gibson is a Senior Financial Advisor at Encore Investment Consultants. He feels that working at a practice with an independent platform provides him the best opportunity to serve his clients. Randall’s motto is to always have a positive attitude and outlook on life. He enjoys keeping watch concerning what is happening here in the United States and abroad and using that knowledge to help his clients realize their financial goals.

In his 40+ year financial career, Randall has worked for Dean Witter and Morgan Stanley. He holds a degree from Santa Clara University.

He enjoys golfing, reading and working in the garden.

CA Insurance License Number: 0A07227. Resident State CA.

Registered States: AZ, CA, CO, FL, ID, MA, MD, MT, NC, NV, OR, TX, UT, WA

Jennifer Holguin is a Senior Client Associate at Encore Investment Consultants and brings 15 years of experience in the financial industry to the practice. She prides herself in assisting every client with excellent customer service but most of all in the being very organized in everything she does.

Prior to joining Encore Investment Consultants, Jennifer was with Wells Fargo Advisors for seven years. She has also held positions at Buckman-Mitchell Insurance and Smith Barney.

In her spare time, Jennifer is very passionate about her side business “Damsel in Defense,” an organization that helps educate and empower women on how to protect themselves and make a difference in their lives. Jennifer also enjoys cooking, crafting, dancing and loves to travel. Her dream is to travel to Paris someday.

Dwayne Michael is a Senior Financial Advisor and Partner at Encore Investment Consultants and brings more than 40 years of financial experience to the practice. Dwayne has experience in simplifying complex issues in a way that is easy to understand. He likes to provide a resolution to any problem and building long-term relationships. Dwayne is always there for his clients with sound, reliable advice.

Dwayne has a B.S. in Business Administration from California State University in Fresno, CA.

Whenever possible, Dwayne and his wife enjoy visiting their children. Dwayne likes to golf with friends and visit the central coast for wine tasting.

Registered States: AZ, CA, FL, IA, ID, NV, NY, OR, SC, SD, TX, VA, WA

CA Insurance License Number: 0A59363. Resident State CA

When Robert first started investing for himself at the age of 22, he found that he was not getting financial advice relative to his life, so he decided to become a financial advisor. He became registered in 1982 and promised himself that he would do his best to help anyone who was trying to help themselves, and that he would treat them the way he would want someone to treat him. Thirty-eight years later and he is still doing that.

Robert has been through many major up-and-down cycles in the stock market and economy, and it has helped strengthen his discipline and commitment to what he offers his clients. In short, he shares many years of experience with you to make the business relationship more effective.

In a world increasingly full of generic solutions, and indirect answers, he offers an honest, intellectually direct based decision making process to help his clients plan for and solve their investment goals. He focuses on YOUR personal economy and what is pertinent to you, not just what is popular to the general public or your friends. His common sense and logic-based approach is easy to understand and implement.

Robert has been married for 37 years to his wife, Tina, and his 28-year-old daughter, Scarlett, is just starting her career as a public school teacher. In his spare time, he has been making Pinot Noir on the Central Coast for the past five years and he has taken up the tenor saxophone as a stress relieving exercise. He also loves to play golf.

Robert is very accessible, so if any of this sounds interesting to you, please call to set up an introductory meeting.

Securities Registered in the following states: AL, AZ, CA, CO, FL, HI, ID, IL, MI, MO, NV, OK, OR, SC, UT, VA, WA

CA Insurance License Number: 0A16881. Resident State CA.

Matthew Petersen is a Senior Vice President and Partner at Encore Investment Consultants. His entire business structure is centered around the client experience. Matt believes in being personally invested in the success of each client as he helps them realize their financial goals. The ability to create investment plans and strategies that are easy to understand is something that comes natural to Matt.

For more than 20 years, Matt has been in the financial industry. Prior to joining Wells Fargo Financial Advisors Network, Matt worked at Morgan Stanley for 16 years.

Matt holds an undergraduate degree in Finance with a Financial Planning emphasis from Fresno State and a Master's in Business Administration from the University of Phoenix.

Matt and his wife Christine have three boys. They like to travel, attend sporting events and being outdoors. Matt enjoys playing golf and is a wine connoisseur.

Registered States: AK, AL, AR, AZ, CA, CO, CT, FL, HI, IA, ID, IL, IN, MA, MI, MN, MO, MS, MT, NC, NE, NV, NY, OH, OK, OR, SC, SD, TN, TX, UT, VA, VT, WA, WI, WY

CA Insurance License Number: 0C09927. Resident State CA

Focus
As part of the Fluharty Sweeney team, Beau works with individuals, families and businesses to create customized strategies tailored to each client’s diverse and changing needs. He strives to guide his clients toward achieving financial security and success by helping them make wise, disciplined financial decisions.

Background and experience
Beau begins each day with purpose, aiming to make a difference in the lives of his clients. It’s his top priority and what drives him to be his best every day.

He takes pride in being his clients’ financial quarterback, coordinating their multiple advisors to ensure everyone is on the same page and focused on the same outcomes. Clients value Beau’s personal, relationship-based approach and his commitment to transparency, communication and treating every client like one of the family. During his career he has earned a reputation as a responsive, self-motivated problem solver with an unflagging commitment to doing the right thing for his clients.


Away from the office
Beau has called Fresno home his entire life, except during college. Beau was a student-athlete, playing Division 1 football as a quarterback at Cal and Cornell. In fact, he is part of a proud family football legacy. His father was an NFL quarterback, and his grandfather was a legendary coach for the California State University, Fresno Bulldogs. In 2022, Beau and his wife, Melissa were blessed with daughter Mia. In his spare time, he enjoys spending time with family and friends, being outdoors, traveling and playing golf.

Registered States: AR, AZ, CA, CO, FL, IA, ID, IN, MA, MT, NC, NV, OR, SD, TN, TX, UT, WA

CA Insurance License Number: 0K64426. Resident State CA

Kevin Sweeney joins the Sweeney Fluharty Group at Encore Investment Consultants bringing a wealth of knowledge and experience in the financial services and wealth management business. Kevin will join his son, Beau and Jeff Fluharty, both Senior Financial Advisors to provide a dynamic, experienced team that is focused on delivering great service and advice to their clients. Kevin will act a relationship manager and problem solver for his clients, leaning on his extensive knowledge to provide a great client experience.

Prior to joining the team, Kevin was an Executive Vice President and the Head of National Sales for Wells Fargo Wealth Management and The Private Bank. He was responsible for driving sales results of The Private Bank’s 1,500+ field advisors and leaders through client discovery, strategy consulting and business practice management. Kevin and his team designed national sales strategies that provided tools and communications to assist leaders and advisors in achieving optimal sales effectiveness. Along with his peers on Wealth Management’s executive team, he was responsible for setting the direction and strategic priorities for the Wealth Management business.

Kevin has more than 30 years of sales and leadership experience in financial services and has spent his entire financial career focusing on the high and ultra-high net worth markets. His deep front-line sales knowledge and passion for leadership, talent development and coaching, provides a strong foundation which allows him to effectively influence and assist sales professionals of all levels of experience in meeting and exceeding expectations year over year.

Prior to being Head of National Sales, Kevin was Sr. Director of Sales for California and Nevada. He has also served as a Regional Managing Director for Wealth Management in the Central California, Sacramento, and Santa Rosa, California. Prior to his role as Regional Managing Director, Kevin worked for two years as a Managing Director for a private venture capital firm in Las Vegas.

Kevin has been married to his wife Karen for 35 years, and recently welcomed two grandchildren to his family. In his down time, Kevin enjoys playing golf, traveling, and spending time with his family and grandbabies. Kevin played professional football for the Dallas Cowboys and San Francisco 49ers in the late 1980s. He earned a degree in Business Administration from California State University, Fresno.

Registered States: AZ, CA, IN, MT, NV, TX, WA

CA Insurance License Number: 4296293. Resident State CA.

Logan brings two years of experience in the financial services industry and a strong academic background to the practice. Before beginning his career, he played baseball at Fresno City College and later graduated Magna Cum Laude from Fresno State. He is excited about the opportunity to work alongside exceptional advisors and is committed to supporting clients in achieving long‑term financial success. His approach centers on thoughtful guidance, meaningful relationships, and helping clients make confident financial decisions.

Outside of his professional work, Logan enjoys staying active and spending time outdoors. He’s an avid golfer, a regular pickleball player, and appreciates any chance to be outside. Whether on the course, the court, or exploring new outdoor spaces, he values activities that keep him engaged and energized.

Sherwang Vang is a Client Associate at Encore Investment Consultants and is eager to begin his career in the financial services industry. He recently graduated from the University of California Merced in 2019, and he’s excited about the opportunity to grow his skills and being helping clients along their financial journey. Sherwang is committed to being a reliable, decisive, and adaptable member of the Encore team to uphold Encore’s highest standards of client service.

In his free time, Sherwang enjoys being active, playing football and volleyball, hiking, and fishing. Sherwang loves being outdoors. On a typical weekend, you’ll probably find him exploring the wilderness, trying to find hidden lakes and streams to fish.

Patrick Wymore is a Senior Financial Advisor at Encore Investment Consultants and has been providing clients with more than 26 years of financial advice and experience. Patrick started his career in 1996 with Prudential Securities which merged with Wachovia Securities and then Wells Fargo Advisors. He enjoys being a part of his client’s financial success and takes pride in his strong and long lasting relationships with each and every client.

Patrick is committed to providing individuals and businesses with targeted, comprehensive financial advice and portfolio management strategies. He takes pride in developing financial investment strategies that are personalized to address each individual’s financial needs. Patrick always welcomes new clients.

In 2018, Patrick joined the Fresno County Sheriff’s Search and Rescue Team as a volunteer to help with aerial searches for missing loved ones in the community. He received his pilot’s license with the FAA in 1989.

Patrick graduated from Fresno State in 1989 with a Bachelors of Science degree in Business Administration.

Patrick is married to his high school sweetheart, Denise, who is also in the finance business with a major bank for 35 years. They have one son, Tyler, who is an accountant.

He enjoys flying, golfing and spending time with family and friends.

Registered States: AL, AZ, CA, CO, FL, HI, ID, KS, MS, NC, NV, OK, OR, TX, UT, WA, WY

CA Insurance Number: 0B90201

Resident State: CA

Kia Yang is the Operations Manager at Encore Investment Consultants and has more than 26 years of experience in client services, operations, and administration. In addition to managing the office, Kia is committed to providing clients with the highest level of professional and personalized service. With her dedication, work ethic and knowledge, clients trust Kia to find the answer and be a great resource to them.

Kia has her Series 7, 63, 65, 9 and 10 registrations. Previously, Kia held position at Morgan Stanley, Smith Barney and Shearon Lehman Brothers.

In her free time, Kia loves spending time with her husband and children. They enjoy going to the beach, fishing and camping.

Registered States: AK, AL, AR, AZ, CA, CO, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MA, MD, MI, MN, MO, MT, NC, NE, NV, NM, NY, OH, OR, OK, SC, SD, TN, TX, UT, VA, WA, WI, WY