Byron Ruby is a financial advisor at FIRN Advisors LLC with a Series 65 designation and two years of industry experience. His prior work includes roles at Katz Ruby & Carle LLP, Firn, Inc., the Federal Judiciary, and McKinsey & Co. He has experience in environmental law and clean technology. FIRN Advisors LLC provides discretionary portfolio management and advisory services primarily to individuals and families, employing a long-term, buy-and-hold investment approach focused on diversified, low-cost ETFs, blue-chip equities, and investment-grade fixed income, with selective use of alternatives. The firm offers tailored portfolios, periodic rebalancing, and optional tax-loss harvesting.

Cheryl Vesely is a CFP® professional with 11 years of industry experience, currently serving as the sole advisor at Balance Financial Planning, LLC since 2014. She holds a Series 65 license and operates her independent firm from Oakland, California. Balance Financial Planning, LLC provides fee-only financial planning, cash-flow and tax planning, and investment management primarily for individual clients, including high-net-worth individuals. The firm emphasizes diversification and low-cost, passive investment vehicles, using an interactive planning process to align asset allocation with clients’ goals, time horizons, and risk tolerance.

Ryan Bird is the sole advisor at Pioneer Advisory, an independent firm based in Moraga, CA. He holds a Series 66 designation and has 23 years of industry experience. Bird has been operating under his own firm since 2012. He is also a licensed insurance agent and conducts insurance transactions as part of his practice. Pioneer Advisory serves individual investors, trusts, estates, pension and profit-sharing plans, charitable organizations, and business entities. The firm provides portfolio management and comprehensive financial planning with a non-discretionary approach, primarily using traditional investment instruments and working with third-party managers who often have discretionary authority.

George Paul is a financial advisor at NAV Financial, LLC, holding a Series 65 designation with one year of industry experience. His prior work includes roles at Dfinity, Rubrik, iUNU, and Ruckus Wireless, reflecting a background in technology and engineering. NAV Financial provides comprehensive financial planning services to high-net-worth individuals, charitable organizations, and businesses. The firm focuses on written or electronic financial plans covering areas such as business, retirement, estate, tax, and risk management, using a combination of fundamental, technical, cyclical, and charting methods aligned with modern portfolio theory and a passive allocation approach.

Hello, my name is Mike Biggica. I grew up in New York, worked on Wall Street for many years and moved to the Bay Area. Living and working in two major metropolises, I understand a busy lifestyle, the high cost of living and financial complexities that go along with it. Among the chaos, sometimes the world’s agenda overcome yours – my value is bringing focus and priority to your goals as a trusted advisor. As the founder of Pixel Financial Planning, LLC, it is a privilege to connect with clients and share in their journey. My days are filled with announcements and pictures of major milestones, including newborns, new homes, graduations, new jobs, vacations, retirement and much more. As life changes, new goals, challenges, opportunities emerge emphasizing that financial planning is an ongoing process, not a one-time event. My goal is to provide you with empowerment, education, confidence, smart decision-making and peace of mind as you navigate life’s course.

Ryan Jue is a CFA® charterholder and financial advisor at Ursa Financial, LLC with six years of industry experience. He has worked at Ursa Financial since 2019 and is also the co-founder and CEO of Ursa Technologies, Inc. Prior to that, he held roles at Trim D.B.A Ask Benjamin, Inc. and Lumos Labs. Ursa Financial provides mobile, app-based portfolio management to retail clients through a discretionary wrap-fee program focused on programmatic portfolio construction and automated management. The firm offers personalized portfolios of large-cap U.S. stocks using fundamental and cyclical analysis combined with modern portfolio theory, delivered exclusively via the Ursa App.

Kristopher Van Stralen is a financial advisor at Evidencial Financial Consulting in Orinda, CA, with nine years of industry experience. He holds the ChFC® designation and a Series 63 license. His prior roles include positions at VR Advisors, Creekside Partners Financial Advisers, and the American College of Financial Services. Evidencial Financial Consulting provides personalized financial planning and non-discretionary asset management to individuals, trusts, estates, and charitable organizations. The firm uses fundamental analysis and a combination of long- and short-term strategies with a predominately non-discretionary management approach, allowing clients to retain trading authority.

Christian Schmuck is the principal of Green Room Partners LLC, an independent wealth management firm based in San Francisco. He holds Series 63 and Series 65 licenses and has 25 years of industry experience. Prior to founding Green Room Partners in 2020, he worked at Advisiry Partners, Deutsche Bank Securities Inc, and Macquarie Capital (USA) Inc. Schmuck also serves as a senior consultant to AdvisIRy Partners, providing investor relations and capital markets advice to publicly listed and pre-IPO companies on a limited basis. Green Room Partners offers tailored global wealth management and growth-oriented portfolio strategies focused on listed equities with an emphasis on ESG-aware themes in technology, energy transition, and healthcare. The firm serves high-net-worth individuals, trusts, family offices, and corporate clients, combining top-down sector selection with bottom-up fundamental research and managing accounts on a discretionary basis.

Faruk Jaffer is a CFP® and ChFC® with nine years of industry experience, affiliated with Index Gurus, Inc. He has previously taught at UC Berkeley and UCSC Extension Silicon Valley. Index Gurus, Inc. is an independent, fee-only registered investment adviser serving individuals, small businesses, trusts, estates, charitable organizations, and certain institutional clients. The firm focuses on passive, asset-class investing using ETFs, index funds, and fixed income, offering comprehensive financial planning and portfolio management primarily on a non-discretionary basis.

James Audley is a financial advisor at Argent Wealth Advisors, LLC in Lafayette, CA, holding Series 63 and Series 65 licenses with 32 years of industry experience. He has been with Argent Wealth Advisors since 2014. Argent Wealth Advisors is an independent, fee-only investment adviser serving individuals, trusts, charitable organizations, and corporate clients. The firm applies academically grounded principles and Modern Portfolio Theory to develop diversified portfolios primarily using institutional no-load mutual funds and ETFs, focusing on non-discretionary management and client-approved transactions.

James Davis is a CFP® with 39 years of experience in financial advisory services. He is the sole advisor at The Financial Advisory Group in San Francisco and has been active in the industry since 1980, including roles at Centaurus Financial, Inc. and his own tax consulting practice. Outside of advisory work, he is involved in insurance consulting and brokerage and has engaged in product design and development through a separate business venture. The Financial Advisory Group provides comprehensive financial planning and advisory services to individuals, high-net-worth clients, trusts, estates, pension plans, and other entities. The firm emphasizes tailored advice based on client circumstances and does not offer managed accounts or monitor investments as an investment manager.

Stacy Daher is a financial advisor at Tiburon Financial Advisors, Inc. with seven years of industry experience. She holds a Series 65 designation and has served as Associate Vice President for Finance & Treasury at the University of San Francisco since 2002. Tiburon Financial Advisors is an independent advisory firm serving high-net-worth individuals and nonprofit organizations with integrated financial planning, investment advisory services, tax return preparation, and family office support. The firm employs a strategic asset allocation process combining passive and active management and offers both discretionary and non-discretionary portfolio management.

Sarah Behr is a financial advisor at Simplify Financial Planning with 11 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Advisors and Wells Fargo Clearing before founding her current firm in 2018. Simplify Financial Planning serves individual and high-net-worth clients by providing comprehensive financial planning services, including cash-flow analysis, retirement planning, and estate planning. The firm’s approach emphasizes a passive, diversified ETF-focused allocation and a long-term, buy-and-hold strategy with client-led implementation rather than discretionary management.

Theodore Broomfield is the principal of Broomfield Advisory & Management in San Francisco, holding a Series 65 designation with two years of industry experience. He has worked at Urchin Capital Partners, LLC since 2007 and Robert Half International since 2005. In addition to his advisory role, he operates a solo law firm specializing in real estate, tax, and business law. Broomfield Advisory & Management provides investment advisory and management services primarily to high-net-worth individuals. The firm’s approach integrates national and global macroeconomic analysis with fundamental and technical evaluation of securities, offering both discretionary and non-discretionary services tailored to client risk tolerance and financial needs.

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 Gough is the Managing Member of KTE Capital Management, LLC, an independent advisory firm based in Kensington, CA. He holds Series 63 and Series 65 licenses and has six years of industry experience, including prior roles at Wells Fargo Bank and leadership positions at True North Capital Management LLC and Inner City Advisors. In addition to his advisory work, he serves as Chief Investment Officer at ICA.Fund, a venture-capital community development financial institution supporting women and minority-owned businesses, and acts as a guest lecturer on impact investing at the University of California, Berkeley, Haas School of Business. KTE Capital Management provides discretionary investment portfolio management to individuals, families, and trusts, typically managing accounts of $100,000 or more. The firm follows an active, downside-focused investment approach emphasizing diversification and exposure to essential-service businesses, utilizing individual equities, ETFs, derivatives, and other strategies tailored to client preferences.

Frank Gavidia is a CFP® professional with 32 years of experience in financial advising. He currently leads Globe & Anchor Wealth Management & Financial Planning, LLC, an independent firm he has been with since 2021. His prior experience includes roles at Nissim & Gavidia Wealth Management & Financial Planning, LLC, Wells Fargo Clearing Services, LLC, and Wells Fargo Advisors LLC. Globe & Anchor Wealth Management & Financial Planning provides portfolio management and comprehensive financial planning services to individual and high-net-worth clients. The firm employs a fiduciary approach, tailoring portfolios to client goals and risk tolerance, and incorporates derivatives, primarily options, in client accounts—a practice that is relatively uncommon among peer firms.

John Callagy is the principal of Asage Financial LLC and holds a Series 65 designation with 19 years of industry experience. He has served as a CPA since 2009 and has operated Asage Financial since 2006. In addition to his advisory role, he maintains a sole practitioner CPA practice, dedicating a portion of his time to accounting and tax services. Asage Financial LLC provides investment management, financial planning, and consulting services to individuals and entities including irrevocable trusts and limited liability companies. The firm manages approximately $29.9 million on a discretionary basis and employs an efficient-market philosophy with diversified, asset-class-focused portfolios tailored to client objectives and risk tolerances.

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.

Caedmon Bear is a financial advisor at On the Trail Financial Planning, LLC in Walnut Creek, CA, holding a Series 66 designation with 17 years of industry experience. Prior to founding his current firm in 2019, he worked at Honeycomb Financial and Charles Schwab, where he spent over two decades. On the Trail Financial Planning, LLC provides holistic financial planning and discretionary portfolio management primarily for individuals, high-net-worth clients, trusts, and charitable organizations. The firm employs a low-cost, passive investment approach using index mutual funds and ETFs and operates a fee-only, single-advisor model with about $83.8 million in discretionary assets under management.