About I recognize the importance of integrating personal financial decisions with quality-of-life issues as we pass through our life stages. Your vision of a retirement lifestyle needs to have a plan that meets your expectations and adjusts to obstacles that you will encounter along the way. I decided to start Envision Financial Planning as a way for individuals and families to imagine future possibilities and work towards achieving your life goals based on your priorities and values. As a fee-only planner, I act solely in your best interest and do not accept any fees or commissions for product sales. Education I have a Master of Business Administration in Finance. I completed a Personal Financial Planning Certification Program at University of California, Berkeley. I currently hold a Certified Financial Planner™ (CFP®) certification and a Chartered Financial Analyst (CFA) certification. My Mission My mission is to empower busy professionals and their families to achieve their future financial vision. I help clients overcome confusion around financial decisions so they have the confidence and freedom to pursue their dreams. My Services • Comprehensive Financial Planning with Ongoing Support • Comprehensive Financial Plan and Investment Management with Ongoing Support How Can I Help You Put It All Together? We take a holistic approach to financial planning, coordinating all areas of your life, such as your goals, values and priorities to build a customized and comprehensive financial plan. Planning Areas: • Personal budgeting and cash flow • Retirement Planning • Investments • Risk Management • Estate Planning

John Antonakos is the sole advisor at Integrated Financial Strategies, Inc. in San Mateo, CA, with 22 years of experience in the financial industry. He holds a Series 66 designation and also maintains a law practice as a sole practitioner, where he spends approximately 80% of his time. His prior experience includes roles at QA3 Financial LLC and QA3 Financial Corp since 2003. Integrated Financial Strategies, Inc. provides investment supervisory services to individual clients, high-net-worth individuals, profit-sharing plans, trusts, estates, and charitable organizations. The firm offers personalized portfolio management and referrals to third-party money managers, employing a non-discretionary approach that requires client approval for trades and combines fundamental and technical analysis with asset allocation strategies.

Fiat Lux Financial Planning's core values are rooted in the belief that financial planning should be accessible to everyone, regardless of their wealth or stage in life. We aim to listen closely, clarify complex topics, and increase clients' confidence in their financial decisions. Our founder, Kate Wilusz embarked on her financial planning career in 2004. Over the course of two decades, she established a highly regarded financial advisory firm and emerged as a prominent figure in the Bay Area financial planning community. In 2024, driven by the desire to extend high-quality financial planning services to a broader audience, Kate founded Fiat Lux. Kate's financial planning expertise includes retirement planning, insurance analysis, employee benefits, tax strategies, education planning, and estate planning. She also possesses extensive knowledge in equity compensation, executive compensation, investment real estate, liquidity events and small business topics. Kate is currently pursuing a master’s degree in advanced financial planning as part of her commitment to being a lifelong learner. She participates in national and local financial planning communities and actively contributes her expertise through pro bono initiatives. Beyond her work, Kate enjoys exploring redwood forests and coastal trails, traveling the globe, and adventures in her 1972 VW bus.

David Barson is a CFP®-certified financial advisor with 17 years of industry experience. He is the principal and sole advisor at Barson Financial Planning, an independent firm he founded in 2017 after nine years with Fisher Investments. Barson Financial Planning provides investment management and comprehensive financial planning to individuals, profit-sharing plans, charitable organizations, and businesses. The firm primarily constructs passive, low-cost portfolios using index mutual funds and ETFs, while also incorporating fundamental, technical, and cyclical analyses. It utilizes outsourced portfolio management combined with individualized trade execution to serve approximately 40 client relationships managing around $47.8 million in assets.

Michael Coholan is a ChFC® credentialed financial advisor with 23 years of industry experience. He has been the sole advisor at Hilltop Advisors, LLC since 2002, operating from San Francisco, CA. In addition to his advisory role, he is a licensed insurance agent offering commissionable insurance products. Hilltop Advisors provides asset management, financial planning, and consulting primarily to high-net-worth individuals, pension and profit-sharing plans, trusts, estates, and private business clients. The firm employs a long-term, buy-and-hold investment approach with a focus on mutual funds, ETFs, and index funds, managing accounts on a non-discretionary basis.

Maitri Goonewardena is a financial advisor at MKG Capital Management, LLC with 26 years of industry experience. She holds a Series 65 designation and has been with MKG Capital Management since 1999, also working at Hawley Advisors since 2020. MKG Capital Management provides investment advisory and financial planning services to a select group of clients, including a private pooled investment fund and separately managed accounts. The firm employs a long-term, fundamentals-based, value-oriented investment approach and serves high-net-worth individuals, institutions, trusts, endowments, and pension plans, as well as offering advisory and consulting services to other registered investment advisers and start-ups.

Roshani Pandey is the sole advisor at True Root Financial, an independent firm based in San Francisco. She holds Series 63 and Series 65 designations and has 19 years of industry experience, including three years at Bessemer Trust. Pandey serves as treasurer for the Global Nepali Professional Network, a nonprofit professional development organization. True Root Financial provides fee-based investment advisory and financial planning services primarily to individuals and high-net-worth clients, as well as charitable organizations and trusts. The firm customizes portfolio management using both discretionary and non-discretionary approaches and incorporates tax-optimized strategies, model marketplace access, and third-party sub-advisors.

Whitney Johnson is the principal of Baseline Investments, LLC in San Francisco, holding a Series 65 designation with eight years of industry experience. She has served in advisory roles at Greenwood Wealth Management, LLC and NPB Financial Group, LLC. Outside of her advisory work, she is a managing member of AEIOH, LLC, a noninvestment-related real estate business. Baseline Investments, LLC provides discretionary portfolio management and financial planning primarily for individual and business clients. The firm employs a range of investment strategies, including fundamental and technical analysis and options trading, under discretionary authority.

Michael Staiger is a financial advisor at Mi4 Capital, LLC in San Francisco, holding Series 63 and Series 65 credentials with 21 years of industry experience. His prior work includes roles at Odeon Capital Group and Icr, LLC, as well as a sabbatical year. Outside of advising, he is involved with MADZIA Vineyard Management & Consulting and serves as SVP of Corporate Development for Super-Micro. Mi4 Capital serves institutional and pooled-vehicle clients along with separately managed accounts, offering investment management paired with bundled financial planning. The firm employs a disciplined, long-term investment approach focused on strategic and tactical asset allocation, value-oriented security selection, and tax-efficient management, while also providing research and consulting services to institutional investors.

William Harvey is the sole advisor at Harvey Wealth Management LLC in Redwood City, CA, holding a Series 66 credential and bringing six years of industry experience. He previously worked at Edward Jones and held positions in the technology sector before founding his independent advisory firm. Harvey Wealth Management LLC serves individuals, trusts, pension and profit-sharing plans, and corporations with comprehensive portfolio management and financial planning. The firm employs a variety of analytical methods and investment strategies, managing both discretionary and non-discretionary accounts while maintaining a small client base that includes institutional-type clients.

Joel Beam is the sole advisor at East Shore Investment Management LLC in San Francisco, CA. He holds the Series 63 and Series 65 licenses and has over three years of experience in advisory roles. Prior to founding East Shore Investment Management, he worked at Salient Partners for 12 years and has been the managing member of HV Capital LLC since 2005, which owns his firm and manages his personal investments. East Shore Investment Management LLC provides discretionary asset management and consulting services to institutional investors and high-net-worth individuals, focusing on real estate securities across equity, debt, and hybrid instruments. The firm employs a fundamental analysis approach with active portfolio monitoring and utilizes leverage and derivatives, offering model portfolio recommendations to other advisers.

Troy White is a financial advisor at Hoodoo with 10 years of industry experience. He holds Series 63, 65, and 66 licenses. His prior experience includes three years at Waddell & Reed and over a decade as a collateral analyst at the Federal Home Loan Bank of San Francisco. Hoodoo Financial primarily serves underbanked individuals, novice investors, and small businesses, offering financial education, comprehensive planning, retirement and portfolio management, as well as tax planning and preparation services. The firm employs a virtual Educator/Advisor platform featuring interactive e-learning and live virtual meetings, and its investment approach incorporates written investment policy statements, dollar-cost averaging, and Modern Portfolio Theory.

Thomas Lo is a CFP® and Series 65-licensed financial advisor with 12 years of industry experience. He has worked at Aspiriant from 2015 to 2018 and has been with Vested Financial Planning, LLC since 2018. Vested Financial Planning is a single-advisor SEC-registered investment adviser serving primarily individual and high-net-worth clients. The firm combines passive portfolio construction with fundamental analysis and selective use of outside managers and ETFs, focusing on discretionary portfolio management, comprehensive financial planning, and employee equity planning.

Renata Carico is a CFP®-certified financial advisor with 13 years of industry experience. She is the principal of Carico Private Wealth Management, an independent firm she founded after working at several firms including LPL Financial, Stratos Wealth Partners, and Charles Schwab. Outside of her advisory work, she volunteers for Grace Church of the Bay Area, assisting with church financial accounts. Carico Private Wealth Management serves individual and high-net-worth clients, providing wealth and investment management, financial planning, and tax return preparation. The firm employs an investment approach based on asset allocation and Modern Portfolio Theory, combining passive and active strategies, and is notable for offering performance-based fee arrangements alongside traditional advisory services.

Yen Wu is a financial advisor at 1N Capital, LLC with 17 years of industry experience. He holds a Series 66 designation and has worked at firms including Intellectus Partners, OceanIQ Capital, Robertson Stephens, Credit Suisse Securities, and Morgan Stanley. 1N Capital serves high-net-worth individuals, trusts, estates, charitable organizations, business entities, and institutional clients, including a significant number of non-U.S. investors. The firm provides discretionary investment management and consulting, utilizing a combination of fundamental, technical, and charting analysis alongside manager due diligence, and offers a wide range of strategies and asset allocations tailored to clients’ risk profiles and investment goals.

Michael Germain is a CFA charterholder and principal at Propulsion Capital Management LLC, an independent advisory firm based in San Francisco. He has experience in financial services beginning in 2017, including roles at Canyon Bridge Capital Management, True Capital Management, and Mavros Capital Management. Outside of advising, he serves as CFO of Urban Catalyst, a real estate development company, and Fluid Dynamics Plumbing. Propulsion Capital Management provides discretionary asset management services to individuals, high-net-worth clients, trusts, small businesses, and estates. The firm employs fundamental analysis and tailored asset allocation strategies, including options, margin, and alternative investments where appropriate.

John Friedman is a CFP® professional with 23 years of experience in the financial services industry. He has led John Friedman Financial since 2012, an independent advisory practice based in San Francisco. John Friedman Financial serves individuals, families, and businesses through project-based financial coaching, planning, and education. The firm operates an advice-only model focused on passive, match-the-market investment approaches and supervises third-party money managers without directly managing portfolios or charging percentage-based fees.

Paul Lafollette III is a CFP® with 14 years of industry experience, currently serving as the sole advisor at Intelligent Investor Financial Planning, LLC in San Francisco, CA. He previously worked at Ameriprise Financial Services, Inc. from 2012 to 2016. Mr. Lafollette holds a California Life and Health insurance license, which he uses exclusively to provide education and advice without earning commissions. Intelligent Investor Financial Planning serves individual clients, including higher-net-worth households, and small businesses by offering comprehensive financial planning and investment consultation across various areas such as retirement, tax, estate, education, and cash-flow analysis. The firm combines a wrap-fee investment program with a core-and-satellite approach to portfolio management predominantly on a non-discretionary basis and provides complimentary educational workshops on personal finance and investing.

Robert Shaye is a CFP® and principal of Fireside Finances with seven years of industry experience. He has worked at FutureAdvisor, Inc. and served in the United States Coast Guard Reserve. Since 2023, he has also been a faculty member at UC Berkeley’s Haas School of Business, teaching personal finance. Fireside Finances provides employee financial wellness programs, public seminars, and hourly financial planning and investment consulting. The firm emphasizes education and consulting without managing client assets, focusing on diversification, low-cost funds, fee minimization, and tax awareness.

Hasnain Karim is a CFA® charterholder and the sole advisor at Kilimanjaro Capital, LLC, an independent firm based in San Mateo, CA. He has 16 years of industry experience and has been with Kilimanjaro Capital since 2009. Kilimanjaro Capital manages discretionary investment accounts primarily for individuals using two principal strategies: a long/short strategy and a long-only strategy. The firm employs an opportunistic, value-oriented approach that includes hedging, derivatives, and short-selling in its long/short strategy, with a focus on securities trading below intrinsic value and a typical investment horizon of one to five years.