James Ward is a CFP® with 4 years of experience in financial advising and is the sole advisor at J Ward Financial in Morgan Hill, CA. He has a background in legal and real estate fields, operating an estate-planning and elder-law practice as well as a real estate business. Ward also holds licenses related to insurance and broker-dealer activities outside his advisory role. J Ward Financial provides discretionary investment management primarily for high-net-worth individuals, families, and trusts. The firm focuses on asset-allocation strategies tailored to clients’ circumstances and regularly reviews portfolios every one to three months, often utilizing third-party managers such as FPAS and Dimensional.

Michael Garber is a CFP® with eight years of industry experience and the principal of Michael Garber Financial Planning, an independent advisory firm. He has worked at Keysight Technologies, Inc. since 2014 in an internal organizational consultant role focused on sales skills development. Michael Garber Financial Planning serves individuals and families through a fee-only, independent model offering comprehensive financial planning, investment consulting, tax preparation, estate-plan review, risk management, and small-business planning. The firm emphasizes a long-term, cost-minimizing investment approach using passive vehicles and operates on a retainer- and project-based fee structure without discretionary trading authority or acceptance of commissions.

Ying Chen is a financial advisor with Wolfe Signal Capital LLC in San Jose, CA, holding a Series 65 designation and one year of industry experience. She is also a Senior Analyst with Aurum Equity Partners, a position she will hold until the end of September 2025. Wolfe Signal Capital LLC provides investment advisory and financial planning services to individuals, including high-net-worth clients, using a blend of fundamental analysis, modern portfolio theory, and quantitative models to tailor portfolios according to client risk tolerance and objectives. The firm offers discretionary portfolio management and fixed-fee financial plans, with a distinctive investable universe that includes venture capital funds and private placements.

Todd Smith is a financial advisor at Silicon Valley Wealth Management Solutions, Inc. in San Jose, CA, with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has been with his current firm since 2012. In addition to advisory services, he works as an insurance agent, assisting clients with life and health insurance as well as annuities. Silicon Valley Wealth Management Solutions is an independent registered investment adviser that provides asset management, pension consulting, and financial planning to individuals, trusts, pension and profit-sharing plans, and corporate entities. The firm focuses on non-discretionary portfolio supervision and pension consulting, serving a broad client base including high-net-worth individuals and plan sponsors.

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.

Marialisa Caruso is a financial advisor at Caruso Family Financial Advisors (CFFA) LLC in San Jose, CA, with five years of industry experience. She holds the Series 65 designation and has been with CFFA since 2020. Outside of her advisory role, she works as a model and actress with Halvorson Model Management and serves as a front desk and bridal consultant at Trudys Brides and Special Occasions. Caruso Family Financial Advisors provides portfolio management and pension consulting to individuals, pension and profit-sharing plans, charitable organizations, and business entities. The firm manages approximately $15.4 million across about 50 client accounts, using a combination of fundamental, quantitative, technical, and modern portfolio theory analyses to guide discretionary asset allocation and offers performance-based fee arrangements for qualified clients.

Jon Eric Kronvall is a financial advisor at Wealth Innovation with over 23 years of industry experience. He holds a Series 66 designation and has worked at firms including Wells Fargo and OneDigital Investment Advisors. In addition to his advisory role, he owns and consults for Esoteric Advisors, providing expert witness services unrelated to investment management. Wealth Innovation offers investment advisory and portfolio management services primarily to high net-worth individuals. The firm employs a discretionary approach with a mix of fundamental and technical analysis, managing approximately $12.7 million in assets across a small client base.

Anthony Caruso is a financial advisor with Caruso Family Financial Advisors (CFFA) LLC in San Jose, CA, holding a Series 66 designation and 14 years of industry experience. He has held positions at several firms, including Wealthforge Securities, Lightpath Capital, and The Taylor Advisory Group. Caruso serves as CEO and Chief Compliance Officer of CFFA. Caruso Family Financial Advisors provides portfolio management and pension consulting services to individuals, high-net-worth households, charitable organizations, and business entities. The firm employs diverse analytical methods and strategies and manages approximately $24.5 million in assets for a client base of around 50 clients.

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. His prior work includes roles at Moss Adams, Blue Barn Wealth, Utah Valley University, and Northwestern Mutual. Equity For The Win is a fee-only advisory firm that provides advice-only financial planning to individuals, high-net-worth clients, corporations, and other businesses. The firm emphasizes a comprehensive planning process integrating various financial aspects and delivers written plans, educational seminars, and structured client reviews without managing client assets directly.

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.

Jay Fong is a CFP® with 26 years of experience in the financial industry. He is affiliated with Concentrum Wealth Management, a team-based registered investment adviser in San Jose, CA, and has worked with Purshe Kaplan Sterling Investments since 2013. Concentrum Wealth Management serves individuals, pension and profit-sharing plans, trusts, estates, and business entities through wrap-fee asset management, financial planning, and retirement plan advisory services. The firm employs discretionary portfolio management using derivatives, margin, and other strategies that are uncommon among similarly sized advisory teams.

Glenn Young is a CFP® with 27 years of industry experience, currently serving as a business development consultant at Concentrum Wealth Management. His prior experience includes roles at Purshe Kaplan Sterling Investments and TD Waterhouse Investor Services Inc. He also operated a real estate business from 2009 to 2017. Concentrum Wealth Management is a team-based registered investment adviser that serves individuals, pension and profit-sharing plans, trusts, estates, and business entities. The firm focuses on wrap-fee asset management and employs a range of investment strategies, including derivatives and margin, with a particular emphasis on ERISA advisory roles and coordinated use of custodial and platform services.

Nicholas Simonian is a CFP® professional with three years of industry experience, currently serving at Concentrum Wealth Management. His prior experience includes roles at Shea Labagh Dobberstein and The McLean Group, as well as eight years at the University of Illinois Chicago. Concentrum Wealth Management serves individuals, high-net-worth households, pension and employee benefit plans, trusts, estates, and corporate clients, specializing in wrap asset management, financial planning, and pension consulting. The firm combines discretionary portfolio management with consultative held-away monitoring and employs a range of investment tools, including derivatives and options strategies, to support tax-efficient asset location and opportunistic rebalancing.

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.

Lance Pieper is a CFP® professional with five years of industry experience, currently serving at Concentrum Wealth Management. He has been with the firm since 2018. Concentrum Wealth Management is a team-based registered investment adviser that serves individuals, including high-net-worth clients, as well as pension and profit-sharing plans, trusts, estates, and business entities. The firm focuses on wrap-fee asset management and employs investment strategies that include derivatives and margin, distinguishing it from many similar-sized advisory teams.

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.

Brian Horiuchi is a financial advisor with PFG Advisors in San Jose, CA, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. His career includes long-term roles at Commonwealth Central Credit Union and Cuso Financial Services, as well as current positions with United Planners and PFG Advisors. Outside of his advisory work, he serves as trustee for the Ben and Marge Horiuchi Family Trust. PFG Advisors provides fee-based investment advisory and financial planning services to individuals, trusts, estates, charitable organizations, retirement plans, and corporate clients. The firm employs a combination of macroeconomic allocation and fundamental/technical analysis, primarily using index-based ETFs, and offers access to third-party money managers and platforms.

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.