Michael Jan Garber

Peter Mu is a CFP® with 15 years of industry experience, currently serving as the sole advisor at Wealth Cairn, LLC. His prior experience includes roles at Park Avenue Securities and Guardian Life Insurance Company. He is also licensed to sell insurance products as part of his professional activities. Wealth Cairn provides advisory services to institutional and individual clients, specializing in portfolio management, pension consulting, and financial planning. The firm employs a long-term investment approach grounded in modern portfolio theory and often implements strategies through third-party managers with ongoing due diligence.

James Ward is a financial advisor at J Ward Financial in Morgan Hill, CA, holding CFP® and Series 66 credentials with five years of industry experience. He has worked at Simplicity Investments, The Leaders Group Inc, and Pathfinder Financial Solutions, among others. In addition to advising, Ward operates a law practice specializing in estate planning and elder law and owns a realty business. J Ward Financial provides discretionary investment management primarily for high-net-worth individuals, families, and trusts, focusing on asset-allocation strategies tailored to clients’ age, health, liquidity needs, and risk tolerance. The firm manages approximately $15.8 million across about 21 client relationships and may engage third-party advisers to assist with portfolio management.

Lindsay Stuart is a CFP® professional affiliated with EquityFTW, bringing 12 years of industry experience. Her prior roles include positions at Mercer Advisors, Moss Adams Wealth Advisors, and Charles Schwab. EquityFTW is a fee-only advisory firm serving individuals, high-net-worth clients, corporations, and other businesses with advice-only financial planning. The firm provides written deliverables, educational seminars, and structured client service calendars, focusing on integrated planning and equity compensation analysis without managing or custodying client accounts.

Alex Baier is a CFP®-certified financial advisor with 11 years of industry experience. He has worked at Northwestern Mutual Wealth Management Company and Foresters Financial Services before joining RLS Private Wealth Consulting, Inc., where he has been since 2025. RLS Private Wealth Consulting serves families, business owners, and high-net-worth clients with family office and comprehensive planning services. The firm focuses on operational and governance functions alongside investment consulting and holistic wealth-planning advice.

Rhonda Staelgraeve Secor is a CFP® with 14 years of industry experience, currently serving at RLS Private Wealth Consulting, Inc. since 2016. She holds Series 63 and Series 65 licenses and is an advisory board member of Monterey County Bank. RLS Private Wealth Consulting provides family office and comprehensive planning services to families, business owners, and high-net-worth clients. The firm offers investment consulting and holistic wealth-planning advice, emphasizing operational and governance functions alongside portfolio analysis and coordination with third-party investment managers.

David Faulk is a CFP® and Series 65-registered advisor with 20 years of industry experience. He is the principal at Montage Financial Advisors, where he has worked since 2020, and he also serves as president of Montage Tax, a separate tax preparation and planning firm. Prior to founding Montage Financial Advisors, he was with Johanson Financial Advisors, Inc. for five years. Montage Financial Advisors provides discretionary portfolio management and project-based financial planning for individual and high-net-worth clients. The firm employs a primarily passive investment approach grounded in Modern Portfolio Theory, using diversified portfolios of index mutual funds and ETFs, and coordinates closely with clients’ tax and legal professionals.