https://opentrailfc.com/news-notes daily 0.75 2025-02-18 https://images.squarespace-cdn.com/content/v1/52a74d9ae4b0253945d2aee9/1400275370693-L0ZTMZY7L6SCYQG6GO85/xzuvhgdQGul0amA3Qc7a_373A9681.jpg News + Notes https://opentrailfc.com/news-notes/2025/2/18/a-conversation-on-markets-with-charles-blankley monthly 0.5 2025-02-21 https://opentrailfc.com/news-notes/2021/1/19/putting-clients-first-advisor-magazine monthly 0.5 2021-01-20 https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1611102922859-88PLSKR1GTO1VT5HL990/Office%2B-%2BMC%2BAC%2BLM%2Bwalking%2B6.jpg News + Notes - “Putting Clients First” (Left to right) Lauren Maston, Michael Calvelli, and Angelina Calvelli https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1611107112707-Q3EKPLNQS16T8SRRREJR/image-asset.jpeg News + Notes - “Putting Clients First” https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1611104679736-DGL311AZQ8JNTU2R2WCZ/Putting%2BClients%2BFirst%2Bp40.jpg News + Notes - “Putting Clients First” https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1611104690716-N7CTZHZEPSSGO2BL0EZQ/Putting%2BClients%2BFirst%2Bp41.jpg News + Notes - “Putting Clients First” https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1611104702975-1WF99KA3HI63KD3BOGOA/Putting%2BClients%2BFirst%2Bp42.jpg News + Notes - “Putting Clients First” https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1611104711427-LO9UB7HMIJXC220HZEYY/Putting%2BClients%2BFirst%2Bp43.jpg News + Notes - “Putting Clients First” https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1611105593655-H9O9YSEA8APBYDAXWAQA/best+interest+quote.png News + Notes - “Putting Clients First” https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1611105836519-VZH82V1US7MRQFRV5OC9/Office+-+MC+AC+LM+at+conference+table+4.JPEG News + Notes - “Putting Clients First” https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1611105915021-9VLH4B4V8IMO7ZLQQRNH/Friends+House+MC.jpg News + Notes - “Putting Clients First” https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1611105918006-YK1NMOGEHEK51B5933D4/Carneros+-+MC+Talking+w+Bobbi.jpg News + Notes - “Putting Clients First” https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1611105848207-IM00CMTOX2CU6KXJW3I7/Office+-+MC+AC+LM+couch+2.JPEG News + Notes - “Putting Clients First” https://opentrailfc.com/news-notes/2020/6/1/lets-talk-about-529-plans monthly 0.5 2020-06-02 https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1591025909332-AS9Y3QGTD12Y6ADLR9TK/Penny+a+day+for+30+days.png News + Notes - Let’s talk about 529 Plans https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1591034859013-SO2GRP50608TX07UIIQG/image-asset.jpeg News + Notes - Let’s talk about 529 Plans https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1591026269790-NJMMCER9HS5QW1UA6QZI/Fidelity+college+plan+compare+2019.jpg News + Notes - Let’s talk about 529 Plans https://opentrailfc.com/news-notes/2020/2/11/secure-act monthly 0.5 2020-02-14 https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1581632535899-SSJRNJFJGPW6L330P0VK/image-asset.jpeg News + Notes - S.E.C.U.R.E. Act https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1581634560287-3PCEIVXW9W54PFJ7GAPK/image-asset.jpeg News + Notes - S.E.C.U.R.E. Act https://opentrailfc.com/news-notes/2020/1/27/2019-tax-season monthly 0.5 2021-12-15 https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1580163024991-PH20WXS30JBENXTY9MW4/image.jpg News + Notes - 2019 Tax Season https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1580162699277-0MCVAL6AMEM2LP57YODY/image.jpg News + Notes - 2019 Tax Season https://opentrailfc.com/news-notes/2019/12/27/2020-new-beginnings monthly 0.5 2020-01-06 https://opentrailfc.com/news-notes/2014/1/23/get-out-there-tlyml monthly 0.5 2019-12-27 https://opentrailfc.com/news-notes/tag/Tax+Season monthly 0.5 https://opentrailfc.com/news-notes/tag/2017 monthly 0.5 https://opentrailfc.com/news-notes/tag/Taxes monthly 0.5 https://opentrailfc.com/news-notes/tag/K1 monthly 0.5 https://opentrailfc.com/news-notes/tag/1099 monthly 0.5 https://opentrailfc.com/news-notes/tag/Mailing+Schedules monthly 0.5 https://opentrailfc.com/news-notes/tag/Tax monthly 0.5 https://opentrailfc.com/news-notes/tag/1099R monthly 0.5 https://opentrailfc.com/home-3 daily 1.0 2020-10-22 https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1575592281668-UN12KG7OBALZ6D4UWHVZ/image-asset.jpeg Home - CLIENT EXPERIENCE Clients are our top priority, whether they are visiting in person, by mail, phone, or email. They are the purpose of our work and we are grateful for the opportunity to earn their business. Wondering what it would be like to work with us? Learn more about the Open Trail client experience… https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1575483629232-3YYVR2G97M7YNQESMTS3/Bristlecone085.jpg Home - MEET the team The core belief of our team is to always act in your best interest. Our financial advisors bring experience and personal attention to each relationship. They are here to talk through what is on your mind. https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1575507764220-K0TYE4SPOTODCGFCZDX4/caleb-jones-J3JMyXWQHXU-unsplash.jpg Home https://opentrailfc.com/our-partners daily 0.75 2022-01-24 https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1574455359350-C9VPFJGNG2ZS17CF6KEV/download.png Our Partners https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1576541207722-DERU83T95D2LMCII81J7/FCCS_Logo_Color.jpg Our Partners https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1576542728251-DFP1QEJV71HUJZZNBR0V/charles-schwab-2-logo-png-transparent.jpg Our Partners https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1574455560141-69ZTRL61STWQUMFTLGTY/image-asset.jpeg Our Partners https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1577150863103-E08K4JZNOAIJ4VEN7ZW9/image-asset.png Our Partners https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1574455133752-YLATQCGOMIA2L5AN2MXT/PIA-Graphic-01-Color-LRG.jpg Our Partners https://images.squarespace-cdn.com/content/v1/52a74d9ae4b0253945d2aee9/1390505394162-W51WFS0M8F9TXWY7LPDY/chambers-10.jpg Our Partners https://opentrailfc.com/cfsc-2018-annual-report daily 0.75 2019-11-22 https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1574294957886-9MYBXI6MF066X3B08I74/OTFC+Michael+Calvelli+Spotlight+in+CFSC+2018+v9.13.19+-+Final+Inside.png CFSC 2018 Annual Report https://opentrailfc.com/contact-1 daily 0.75 2026-01-07 https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1575584025368-U31QK8V4E8PVYDZDPWUL/image-asset.jpeg Contact https://opentrailfc.com/meet-the-team daily 0.75 2024-09-12 https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1574293165217-NEVWPIC0T087OEAABR3I/Bonk%252C%2BRick%2B-%2BPhoto.jpg Meet the Team RICH C. BONK Registered Principal, Partner, OSJ Supervisor Designee - learn more here. https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1574293615387-S0IBQ64VEFRP24FKDRGT/CALVELLI_ANGELINA_UDV_0525.jpg Meet the Team ANGELINA J. HANSEN, CFP® Financial Advisor - learn more here. https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1575593378466-NWGGJ4B0PQVMV00JVJV0/Westermann.jpg Meet the Team https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1575593301398-J03F5U94OE05UTHX6783/2019-04-11+Mike+Calvelli-09.jpg Meet the Team https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1576778543290-E8QU4GMGAUWOB9C2P7TW/Angie+in+Garden.jpg Meet the Team https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1575593369989-J69WCOUEBQYL2EYJ2GFC/Bristlecone037.jpg Meet the Team https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1577149814602-6IY73PSQL9X75B8HPQ7E/Sam%2C+Dani+and+Bailey+on+hike.jpg Meet the Team https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1576778559891-D7QHI4KGSJ2216ZHYCSF/Hiking+Tree+Silhouette.jpg Meet the Team https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1576779137964-Y21G6LL9O2JKMJRLBHZ4/Mike+%26+Melissa+at+Squaw.jpg Meet the Team https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1576888567935-EHWF9HBPMYIIO10FHOK4/Rich%252C%2BVincent%252C%2Band%2BNolan%2Bat%2BNiners%2BGame%255B1%255D.jpg Meet the Team https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1577149834613-SD4R1SX4G4C9N2LJYZ8D/Sam+and+Bailey+at+the+Beach.jpg Meet the Team https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1575593334483-92M8BF4X9AAE5J4E950I/2019-04-11+Mike+Calvelli-07.jpg Meet the Team https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1577149823058-P5B7ST7HV93RSGTOW8TN/Sam+and+Dani+BW.jpg Meet the Team https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1576778541242-VCBUECRVAFTHR2GZFXBI/Angie+with+Coffee.jpg Meet the Team https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1576888672352-DDJLB9VAN7KIPO5FP51L/Sam%252C%2BMike%252C%2BBrian%252C%2BRich%2BGolfing.jpg Meet the Team https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1576888427136-YJP418DNIG3IPNNW1O7P/Rich+and+Nolan+at+Giants+game.jpg Meet the Team https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1577149827650-1JO6O8W4JH1KQ8GOPWKX/Sam+and+Dani.jpg Meet the Team https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1577149835140-5UQ1XSRB6N0LRZFJ73LS/Bailey.jpg Meet the Team https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1576779142550-IIVSMNQBURHNYY6Z77W3/Team+Tahoe+Hike.JPG Meet the Team https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1576778556235-7XWDQC8US6VJUFRNBPI6/Angie+with+David.jpg Meet the Team https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1574293650997-6HZ8PV2D07L3YVGJEA3Z/Westermann%2C+Samuel+-+Photo.jpg Meet the Team SAMUEL E. WESTERMANN Financial Advisor - learn more here. https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1574293012595-P3GNVK02YDJHHU658A0U/Calvelli%252C%2BMichael%2B-%2BPhoto.jpg Meet the Team MICHAEL J. CALVELLI Founder, Registered Principal, OSJ Supervisor - learn more here. https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1574383538214-Z0R3QQSJFKKX2VWEG6EK/image-asset.jpeg Meet the Team OUR PARTNERS In order to offer the best to our clients, we work with some pretty incredible partners - learn more here. https://opentrailfc.com/team-bio-lauren-e-maston daily 0.75 2021-11-04 https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1574385147984-FQP0SDVL7N7T73B597SE/MASTON_LAUREN_LM2UDV_004.jpg Team Bio - Lauren E. Maston << back https://opentrailfc.com/client-experience daily 0.75 2020-03-09 https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1572896203570-XU0TL73XL4POJW1MALIT/Planning+Process Client Experience - 2. establishing a plan Once we have learned more about your financial values and priorities, we create a plan unique to you. We apply diligent research and purpose-based planning to create a holistic approach to your finances. Depending on your needs, this may include risk-profile assessment to match your objectives with your portfolio, financial planning strategies, income needs analysis, and working with tax or legal advisors. https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1573496332116-9SE1FHP08XHAYHIOXBPM/image-asset.jpeg Client Experience - 3. specializing planning Each client has individual needs when it comes to planning. We go beyond investments and help assist you with more specialized planning such as elder care, education funding, estate planning, tax planning, college financing, legacy planning, business succession, special needs or charitable giving plans. Learn more about areas we can help you: The Road Map. https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1574471453958-YS1CDYC5K1T2SDYUD81C/image-asset.jpeg Client Experience - 4. tracking progress By taking your big picture needs into consideration, we help guide you in taking intentional steps towards your goals. We offer technology you can use to monitor the performance of your investment portfolio and other goal-based planning tools. More importantly, we are available to talk through what is on your mind and how we can continue to help you stay on track for the long term. https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1583797230291-BCA1H8QIAAF768XBWNRW/OTFC+Client+Experience+%28Horizontal%2C+Transp.%29+%283%29.png Client Experience https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1572895934944-T5E3DFZBBDKJZAXG0SRD/image-asset.jpeg Client Experience - 1. initial & Ongoing DIALOGUE By sitting down and learning about your unique goals, plans, circumstances and any concerns you may have, we can take the time to understand how we can best assist you. Getting to know our clients and building and maintaining a relationship is at the heart of what we do when offering financial advice. https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1575321263987-DG7BT3SCKMKPUQPKBUDN/image-asset.jpeg Client Experience https://opentrailfc.com/team-bio-michael-j-calvelli daily 0.75 2025-11-12 https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1574457362706-MZ2FI7DLQ0BOLVNLK0I1/CFSC+2018+Report.JPG Team Bio - Michael J Calvelli https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1574294150165-0E9E5HUBTC1O4LJF6GZZ/Calvelli%2C+Michael+-+Photo.jpg Team Bio - Michael J Calvelli << back https://opentrailfc.com/team-bio-samuel-e-westermann daily 0.75 2020-07-22 https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1574384840255-22LF6CLQ7J1904U60C3U/Westermann%252C%2BSamuel%2B-%2BPhoto.jpg Team Bio - Samuel E. Westermann << back https://opentrailfc.com/team-bio-rich-c-bonk daily 0.75 2025-11-12 https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1574295363244-T79W1RVO2HY0G9MG3BOY/Bonk%252C%2BRick%2B-%2BPhoto.jpg Team Bio - Rich C. Bonk << back https://opentrailfc.com/team-bio-angelina-j-calvelli daily 0.75 2025-11-12 https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1574385492595-PN0XAMC17Z2ZFRAMELGP/CALVELLI_ANGELINA_UDV_0525.jpg Team Bio - Angelina J. Calvelli << back https://opentrailfc.com/faqs daily 0.75 2021-06-01 https://images.squarespace-cdn.com/content/v1/52a74d9ae4b0253945d2aee9/1390597413198-XUEB2J3138YBEXDCIMC0/tumblr_migjb4LxOB1rkz363o2_1280.jpg FAQs https://opentrailfc.com/get-started-form daily 0.75 2023-05-08 https://opentrailfc.com/the-road-map daily 0.75 2020-01-16 https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1576523516290-Z2DFLM9UODZQK3W9V5X8/image-asset.jpeg The Road Map https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1576523743801-7940JZ2HH9VHSXO0E2EF/image-asset.jpeg The Road Map https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1576523883838-J386IXXS4B0KBNSHGU22/image-asset.jpeg The Road Map https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1576523933305-X1ZF4FJ6RPTO39XAY7SV/image-asset.jpeg The Road Map https://opentrailfc.com/giving-back daily 0.75 2025-02-20 https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/ff7dcb88-a83a-457c-9a31-14fc80e7bb4b/Redwood+Empire+JPG.jpg Giving Back - Make it stand out Our 2022 donation on behalf of our clients was to Redwood Empire Food Bank - Senior Basket. https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/348771d9-d813-42b8-8a86-1ab64215ea46/Pepperwood.jpg Giving Back - Make it stand out Our 2023 donation on behalf of our clients was to the Pepperwood Preserve. https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/efb1862c-c4a1-4168-afb5-fd41e5269742/Redwood+Trails+2.png Giving Back - Make it stand out Our 2021 donation on behalf of our clients was to Redwood Trails Alliance. https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1610745554257-BZTJJ9TASSEUXZF6RUY3/image-asset.png Giving Back In 2020 we selected COTS to donate to on behalf of our clients. https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1610745605828-254O1CNN2BYGGCCKP3E0/Nurturing+resilience%2C+building+hope.+copy.png Giving Back Every year, Open Trail Financial Consultants donates to a local nonprofit on behalf of our clients. In 2016, we selected Food for Thought. https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1600186482631-BLLROJJRGZ2L6WZJM55C/Redwood+Empire+Food+Bank+prepped++2.png Giving Back During the 2020 fires and COVID-19, Open Trail Financial Consultants made a special donation and volunteered to help our community, hands-on. https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1583783116812-C508TBFX5LN3FEM1XQ8D/CAP+Logo+for+OTFC+%281%29.png Giving Back Every year, Open Trail Financial Consultants donates to a local nonprofit on behalf of our clients. In 2017, we selected Community Action Partnership of Sonoma County. https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1583515055571-SNW42JFKPM4Z0H47EHCU/Sonoma%2BLand%2BTrust.jpg Giving Back Every year, Open Trail Financial Consultants donates to a local nonprofit on behalf of our clients. In 2019 and 2020, we selected Sonoma Land Trust . https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1583783032344-O35BAFEF2DX0TH2E5A6Z/CAP+Logo+for+OTFC+%282%29.png Giving Back Every year, Open Trail Financial Consultants donates to a local nonprofit on behalf of our clients. In 2018, we selected The Living Room. https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1583516391165-99A3APS269O4O78EHG0A/impact+100+logo+combo.png Giving Back Open Trail Financial Consultants supported Impact 100 in 2019 through 2021. https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/2d65a016-0d69-4b45-997a-3d63c90255d8/Made+in+Santa+Rosa+w.jpg Giving Back - Make it stand out Our 2024 donation on behalf of our clients was to the Made in Santa Rosa Education Foundation. https://opentrailfc.com/financial-planning-worksheet daily 0.75 2020-12-28 https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1608666059933-PPL2UBCS0ZOLTGXEGWRS/image-asset.jpeg Financial Planning Worksheet https://opentrailfc.com/client-logins-resources daily 0.75 2022-01-24 https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1576520622060-BPB6ULS0H0ZOLCP5FNS7/OT-Graphic05-Color-MED.png Client Logins + Resources https://images.squarespace-cdn.com/content/v1/59ef94d92278e7b771520b6b/1576519131041-PPDK5H5G007HWJEVF99T/image-asset.jpeg Client Logins + Resources