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.

Michael Garber is the principal of Michael Garber Financial Planning in Gilroy, CA, holding the CFP® designation and Series 65 license with nine years of industry experience. He has worked at Keysight Technologies, Inc. and its predecessor companies since 1984 in various roles, currently serving as an internal organizational consultant for sales skills development. Michael Garber Financial Planning provides independent, fee-only financial planning and investment consulting services to individuals and families, emphasizing long-term, cost-minimizing strategies that primarily utilize passive investment vehicles. The firm operates under a retainer- and project-based fee model without discretionary trading authority or custody of client assets.

Lindsay Stuart is a CFP® with 12 years of industry experience. She is currently an advisor at EquityFTW and has previously worked at Mercer Advisors, Moss Adams Wealth Advisors, and Charles Schwab. Equity For The Win LLC provides fee-only, advice-only financial planning to individuals, high-net-worth clients, and business clients. The firm offers project-based and ongoing planning focusing on retirement, tax, business, and estate planning, as well as equity compensation analysis, without managing client assets or using asset-based fees.

Alex Baier is a CFP® with 11 years of experience in financial advising, currently with RLS Private Wealth Consulting, Inc. Prior to joining RLS Private Wealth, he worked at Northwestern Mutual Wealth Management Company and Foresters Financial Services. RLS Private Wealth Consulting serves high-net-worth individuals and businesses by providing family office executive and comprehensive wealth-planning services. The firm offers non-discretionary investment consulting, estate-planning coordination, and specialized family office operations, focusing on administrative oversight and project-based billing rather than traditional asset-based fees.

Rhonda Staelgraeve Secor is a CFP® with 14 years of industry experience, currently serving as an advisor at RLS Private Wealth Consulting, Inc. She previously worked at Wells Fargo Investments, LLC and Wells Fargo Clearing. She is also an advisory board member at Monterey County Bank. RLS Private Wealth Consulting provides wealth-planning and family office executive services to high-net-worth individuals and businesses. The firm offers non-discretionary investment consulting, comprehensive financial planning, and administrative support, including estate-planning coordination and client onboarding to a digital family office platform.

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.

Charles Stermetz is a CFP® with seven years of industry experience, currently serving as an advisor at EquityFTW since 2024. His prior experience includes roles at Moss Adams, Blue Barn Wealth, Utah Valley University, and Northwestern Mutual. Equity For The Win LLC provides fee-only, advice-only financial planning to individuals, high-net-worth clients, and businesses, focusing on retirement and tax planning, business planning, employee benefits, estate planning, and equity compensation analysis. The firm emphasizes asset allocation, fundamental analysis, and modern portfolio theory without managing client assets, relying on fixed, project, and hourly fee structures.

Kelly Monroe is a financial advisor at Keystone Advisory Group with 19 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Keystone since 2013. In addition to her advisory role, Monroe teaches federal employee benefits through the FERS Blueprint training program. Keystone Advisory Group serves individual and high-net-worth clients, as well as trusts, estates, and charitable organizations. The firm offers discretionary portfolio management within a wrap fee program, combining fundamental, technical, and cyclical analysis with a long-term investment approach.

Cody Beaumont is a CFP® professional at HFG Advisors, Inc. with four years of industry experience. He previously worked at Rosewood Family Advisors LLP and Moss Adams LLP. Beaumont is also employed as a financial planner at HFG Trust LLC, a trust company affiliated with his firm. HFG Advisors, Inc. provides fee-based investment management and financial planning to individual and high-net-worth clients, charitable organizations, and retirement plans. The firm emphasizes asset allocation based on Modern Portfolio Theory, primarily using low-cost ETFs and institutional mutual funds, with tailored client-directed customizations and a notable affiliation with HFG Trust, LLC.

Mark Taylan is a financial advisor with Eastsound Capital Advisors, LLC, holding Series 63 and Series 65 credentials and bringing 19 years of industry experience. His prior roles include positions at Advisors 360 LLC, Guaranteed Rate Inc, and Direct Mortgage Funding Inc. He serves on the Board of Directors of FAREPA, a Silicon Valley trade organization for real estate professionals, contributing to industry education and networking without compensation. Eastsound Capital Advisors is an SEC-registered firm providing discretionary portfolio management and financial planning to individuals, charitable organizations, and businesses. The firm integrates fundamental, technical, and cyclical analysis with strategic and tactical asset allocation to manage portfolios across various securities and may act as a sub-advisor and signal provider to other investment advisers.

Michael Parkin II is a Series 65-licensed advisor at Secure Investment Management, LLC with one year of industry experience. Prior to joining Secure Investment Management in 2025, he was self-employed for one year and held roles at Hesai, Inc. and Veoldyne Lidar, Inc. He also works as an insurance agent selling fixed insurance products. Secure Investment Management serves individuals, business entities, trusts, and estates with financial planning, discretionary portfolio management, and separately managed account solutions. The firm employs a quantitative, factor-based investment approach grounded in Modern Portfolio Theory, using a mix of low-cost mutual funds, ETFs, third-party managers, and direct indexing tailored to client objectives.

Cole Silva is a financial advisor at Creative Financial Designs, Inc. with three years of industry experience. He holds a Series 66 designation and has prior work experience with firms including Cotari and cfd Investments. Outside of finance, Silva serves as a substitute job coach for Hope Services, a nonprofit social services organization. Creative Financial Designs serves individual, corporate, and institutional clients across various wealth levels, providing investment management and financial planning using asset-class model allocations aligned with five risk objectives. The firm offers both discretionary and non-discretionary management, including Biblically Responsible Investing strategies, supported by an Executive Investment Committee and a range of client-focused operational features.

Larry Chavez is a financial advisor with Creative Financial Designs, Inc. in Gilroy, CA, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. He has been with Creative Financial Designs since 2016 and is also involved in Christian Wealth Management as an investment professional. Creative Financial Designs serves a diverse client base including individuals, charitable organizations, corporate clients, and employer retirement plans, offering a range of investment management and financial planning services. The firm’s investment approach incorporates asset-class model allocations informed by third-party research and includes Biblical Responsible Investing strategies alongside traditional and tactical portfolio options.

Michael Graef is a CFP®-certified financial advisor with 20 years of industry experience, currently affiliated with Creative Financial Designs, Inc. in Gilroy, CA. He holds minority ownership and serves as a corporate officer at Inspire Investing, LLC, and is fully owned sole proprietor of Christian Wealth Management, a financial planning practice. Creative Financial Designs serves individual, charitable, corporate, and retirement plan clients with a range of investment management and financial planning services. The firm employs asset-class model allocations informed by third-party research and offers various strategies including Biblical Responsible Investing.

Kristina Sabbatini is a financial advisor at Legacy Wealth Management, LLC with 9 years of industry experience. She holds a Series 66 designation and previously worked at Lion Street Advisors, Ameritas Investment Corp, and Ronald G. Pray Company. Outside of advising, she is active in insurance sales, providing life and disability insurance to clients. Legacy Wealth Management serves individual clients across wealth levels, charitable organizations, and business entities by offering portfolio management, financial planning, and consulting services. The firm employs a combination of in-house model allocations and third-party managers, including alternative and illiquid investments, to tailor strategies based on client objectives and risk tolerance.

Thomas Montoya is a financial advisor at Hornor, Townsend & Kent, LLC with a Series 66 designation and one year of industry experience. Prior to joining HTK, he held roles at California Baptist University and Integrated Financial Benefits, among other positions. Outside of financial services, he has experience in the food service industry, including work at Chaam Eatery and Country Waffles. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs, financial planning, and retirement plan consulting. The firm offers a combination of advisory and broker-dealer services, working with third-party asset managers and providing both discretionary and non-discretionary account options.

Jeffrey Orth is a financial advisor at Hornor, Townsend & Kent, LLC with 27 years of industry experience. He holds the ChFC® designation and the Series 63 license. Orth has been affiliated with Penn Mutual Life Insurance Company and Hornor, Townsend & Kent since 1998. Outside of his advisory role, he is the proprietor of an insurance brokerage specializing in multi-line insurance products and serves as a board member of Gavilan College and a director of the Gilroy Downtown Business Association. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting. The firm operates both advisory and broker-dealer services, managing approximately $8.37 billion in discretionary assets under management through third-party asset manager relationships.

Michael Napoli is a financial advisor with Private Advisor Group, LLC and holds Series 63 and Series 65 licenses. He has 27 years of industry experience, having previously worked at firms including LPL Financial, Wells Fargo, and Citigroup Global Markets. Napoli is also involved with Nexa Mortgage, referring clients for mortgage services to help secure lower rates. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering portfolio management, financial planning, and retirement consulting. The firm employs a fiduciary-based advisory model and utilizes proprietary and third-party platforms and managers to deliver tailored investment solutions.

Daniel Newquist is a CFP® professional with 26 years of industry experience, currently affiliated with Focus Partners Wealth, LLC. His prior work includes roles at The Colony Group, LLC, Buckingham Strategic Wealth, LLC, and SECURITIES AMERICA, Inc., among others. Newquist has also been involved with the Charter School of Morgan Hill Foundation. Focus Partners Wealth serves individuals, families, charitable organizations, corporations, and institutional retirement plans, offering comprehensive investment management and financial planning services. The firm employs a long-term investment approach emphasizing tax and fee sensitivity, using a combination of active and passive strategies alongside specialized solutions tailored to client needs.