Dave's experience in investment management and financial planning uniquely position him to serve as his client's independent trusted advisor - a personal chief financial officer that can discreetly navigate the tides affecting your financial life. ​ Professional highlights include portfolio management on Union Bank municipal investment team which earned recognition as the best in the industry by Barron's in 2008 and 2009; lead investment management responsibility at a $300M financial planning firm; and working with amazing entrepreneurs, executives, and families. ​ David's education includes a Chartered Financial Analyst (CFA) designation, a Certified Financial Planning (CFP) designation, and a U.C. Berkeley bachelor's degree where he conducted a study on evidenced based investment management with Haas Professor of Investments David Distad. ​ David launched PFM to continue building upon his vision of complete personal financial management: discreet and unwavering focus on how expert financial management can help a client achieve her goals. From setting and achieving goals, to preparing you for all of life's contingencies and investing for your future - David helps his client's understand what they should be doing, and then helps them get it done.

Joseph Curtis is a financial advisor at Resolve Financial, LLC in Walnut Creek, CA, holding the ChFC® designation and Series 66 license with 13 years of industry experience. He has been with Resolve Financial since 2014 and previously operated under Joseph Patch Curtis from 2007 to 2016. Outside of advising, he is self-employed in insurance sales. Resolve Financial serves individual investors, estates, retirement plans, and trusts, typically working with accounts of $50,000 or more. The firm uses a factor-oriented investment approach based on Modern Portfolio Theory, focusing on broad market exposures with tilts toward small-company and value stocks, and manages accounts on a non-discretionary basis through a third-party platform.

Yoav Karni is the sole advisor at West Coast Financial Wealth Management, Inc. He holds Series 63 and Series 65 licenses and has 15 years of experience in the financial industry. Prior to his current role, he has been operating independently since 2001 and has worked at West Coast Financial Wealth Management since 2011. Outside of advisory work, Karni is a licensed life insurance agent, selling life, disability, long-term care, and Medicare insurance products. West Coast Financial Wealth Management, Inc. serves individual clients by providing tailored financial planning and selecting third-party investment advisers and platforms rather than directly managing portfolios. The firm focuses on client discovery to align goals and risk tolerance with appropriate outside managers, typically maintaining non-discretionary relationships while reviewing third-party reports quarterly.

Lawrence Grossman is a CFP® with 27 years of experience in the financial advisory industry. He has been the sole advisor at Grossman Financial Management since 1997 and previously worked at Archvest Wealth Advisors. Grossman Financial Management provides investment advisory and financial planning services to a diverse client base, including pension and profit-sharing plans, trusts and estates, and high-net-worth individuals. The firm offers non-discretionary advice with regular account monitoring and reviews, utilizing both fundamental and technical analysis, and employs a fee structure that includes fixed-fee and hourly planning options.

Michael Power is a CFP® professional with over 30 years of experience, operating Power Investing since 1994. He is also an Enrolled Agent authorized to represent clients before the IRS, providing tax preparation and representation services alongside his investment advisory work. The firm offers discretionary investment management and comprehensive financial planning to individuals, families, and small businesses. Power Investing employs a fundamental analysis approach, emphasizing broad diversification with ETFs and individual securities, and integrates in-house tax services as part of its client offerings.

Corey Berla is a CFA charterholder with nine years of experience at Berla Investment Consulting. He has also worked as an Information Systems Analyst for the City of Walnut Creek since 2013, focusing on IT hardware and software related to server infrastructure. Berla Investment Consulting provides fiduciary investment consulting to a select client base including employee benefit plans, foundations, endowments, corporate funds, insurance companies, and high-net-worth individuals. The firm operates as a non-discretionary consultant emphasizing manager evaluation, performance measurement, and investment policy oversight, and it does not accept asset-based fees or manage individual portfolios.

John Gardner is a CFP®-certified financial advisor with 36 years of industry experience. He has worked at Equity Research & Portfolio Evaluation, Inc. since 2001. Gardner is the sole advisor at Blackhawk Wealth Advisors, an independent firm based in Danville, CA. Blackhawk Wealth Advisors provides discretionary investment management, financial planning, and independent security research to individuals, trusts, estates, and investment companies. The firm employs a proprietary blend of fundamental and technical analysis to manage portfolios across various asset classes, focusing on risk reduction and predictable income through both long- and short-term strategies.

Vladimir Belinsky is the sole advisor at Hermitage Advisors, Ltd. in Danville, CA, holding Series 63 and Series 65 licenses with 22 years of industry experience. He has been with Hermitage Advisors since 2003. Hermitage Advisors, Ltd. serves a small, concentrated roster of primarily high-net-worth individual clients, providing individualized portfolio management and ongoing investment advice. The firm employs a primarily non-discretionary approach, selecting and monitoring external investment managers based on a multi-decade network of research, with client decisions made collaboratively.

Timothy Smith is a financial advisor at Fairway Asset Management, Inc. in San Ramon, CA, with 24 years of industry experience. He holds the Series 66 designation and has been with Fairway Asset Management since 2007. Outside of his advisory role, he owns and operates an insurance agency that offers life insurance policies and fixed annuities tailored to client needs. Fairway Asset Management serves individuals, high net worth clients, pension and profit-sharing plans, and businesses by providing asset management, financial planning, consulting, and educational workshops. The firm uses a combination of fundamental and technical analysis across various investment strategies, including long-term holdings, active trading, and options, while maintaining liquidity through cash and short-term instruments.

Douglas Buser is a CFP® professional with 29 years of industry experience. He has been with Golden Gate Advisors, Inc. since 1998. Outside of his advisory role, he is a partner in Buser Brothers Real Estate, where he works as a real estate broker. Golden Gate Advisors, Inc. is a family-office registered investment adviser serving accredited, high-net-worth individuals and related entities. The firm employs a core-satellite, active/passive multi-manager investment approach and offers a range of wealth management and retirement plan advisory services.

Kevin Chung is a CFP® and CFA® with 17 years of industry experience. He is the principal advisor at Generative Family Office LLC, where he has worked since 2024. Prior to this, he held roles at JPMorgan Private Wealth Advisors LLC and First Republic Investment Management, Inc. He holds an active insurance license but is not engaged in insurance sales. Generative Family Office provides tailored consulting services to ultra-high net worth and high net worth families, trusts, estates, business entities, and charitable organizations. The firm focuses on family office services such as consolidated financial reporting, wealth and estate planning coordination, philanthropy planning, and family governance, advising on asset allocation and overseeing external investment managers without discretionary trading authority.

Durga Eedara is a financial advisor at Eedara Financials with a Series 65 designation and over 20 years of industry experience, including a long tenure at Franklin Resources Inc from 2002 to 2021. Eedara Financials LLC, founded in 2025, provides discretionary portfolio management to individual and high-net-worth clients. The firm uses a combination of charting, fundamental, and technical analysis alongside various trading strategies, operating under client-granted discretionary authority.

Jeffrey Elfont is the sole advisor at Pinnacle Capital Management in Walnut Creek, CA, holding Series 63 and Series 65 credentials with nine years of industry experience. He has been with Pinnacle Capital Management since 2001 and has prior experience in accounting, taxation, and auditing from his career in CPA firms. Pinnacle Capital Management serves institutional clients and pooled investment vehicles while also working with a small number of individual, non-high-net-worth clients. The firm emphasizes transparent custodian selection and explicit conflict-management policies in its investment management and advisory services.

Matthew Rittmann is the sole advisor at Rittmann Capital Management Co. in Moraga, CA, holding a Series 65 credential with 21 years of industry experience. He has led Rittmann Capital Management since 2004. Rittmann Capital Management Co. provides discretionary asset management and financial planning services to individuals, small businesses, trusts, estates, pooled investment vehicles, and charities. The firm uses a combination of fundamental, technical, and charting analysis across various instruments, actively managing accounts on a discretionary basis with regular reviews and tax-loss harvesting.

Eric Hull is a CFA® charterholder with 20 years of industry experience. He has been with Evergreen Wealth Advisors, Inc. since 2005, serving as the firm's sole advisor. Evergreen Wealth Advisors, Inc. is a fee-only independent registered investment adviser offering discretionary investment management and consulting services to individuals, families, trusts, estates, corporations, and retirement plans. The firm’s investment approach combines strategic and tactical asset allocation with economic trend analysis, emphasizing risk assessment and portfolio volatility control.

Nicholas Fullerton is a CFP® professional with 17 years of industry experience, operating Fullerton Advisors, LLC since 2008. The firm is an independent advisory practice based in Alamo, CA. Fullerton Advisors serves individuals, trusts, estates, charitable organizations, pension and profit-sharing plans, and corporate entities. The firm provides discretionary and non-discretionary portfolio management, modular financial planning, and pension consulting, using diversified asset-allocation portfolios built primarily with ETFs and mutual funds guided by fundamental and cyclical analysis.

John Knolle is a CFP® professional with nine years of experience at Saranap Wealth Advisors and 18 years prior at Mellon Capital Management Corporation. He is based in Walnut Creek, CA. Saranap Wealth Advisors is an independent firm serving individual and high-net-worth clients as well as small businesses, offering discretionary portfolio management combined with financial planning, investment consultation, and third-party sub-advisor selection. The firm also provides employer-facing services including educational workshops and analysis of employee benefits and retirement plans.

Jiayi Xu is a CFP® professional with five years of industry experience, currently serving as the sole advisor at Global Wealth Harbor. Prior to founding the firm, Xu worked at BizCatcher International, Carnegie Mellon University, and The Stanich Group LLC. Global Wealth Harbor provides portfolio management and financial planning services to individual and high-net-worth clients, utilizing a range of investment vehicles including mutual funds, ETFs, non-U.S. securities, private placements, and venture capital funds. The firm employs a combination of analytical methods and maintains a long-term trading approach, offering discretionary portfolio management and subscription-based financial planning.

Michael Wilson is a financial advisor at Blueprint Retirement Advisors LLC in Moraga, CA, holding the ChFC® designation and Series 63 license with six years of industry experience. He previously worked at State Farm Insurance for 13 years before founding Blueprint Retirement Advisors in 2019. Wilson produces educational content through a YouTube channel and conducts workshops. Blueprint Retirement Advisors serves individual investors and business clients, including retirement plan sponsors and small pension plans, by providing advisor selection, monitoring services, and financial planning. The firm does not manage client accounts directly but identifies and monitors third-party money managers who implement asset-allocation strategies using mutual funds and ETFs.

John Cha is a financial advisor at VBL Advisors LLC with 19 years of industry experience. He holds a Series 63 designation and previously spent 17 years at TLA Capital Management, LLC / Twin Lakes Capital Management, LLC before joining VBL Advisors in 2021. VBL Advisors LLC provides investment advisory and financial planning services to individuals and high-net-worth clients, offering portfolio management, risk assessment, estate planning advice, and access to private investments and alternative funds for qualified clients. The firm customizes strategies using asset allocation, dollar-cost averaging, technical analysis, and various trading approaches, supporting both discretionary and non-discretionary managed accounts.