David O’Day is a financial advisor at Empirical Wealth Management with Series 63 and Series 65 credentials. He has previously worked at Sageview Advisory Group, Morling Financial Advisors, Live Oak Bank, and Credit Suisse. O’Day began his career after completing his education at UNC Wilmington. Empirical Wealth Management serves individuals, trusts, estates, charitable organizations, and retirement plans with fee-based discretionary and non-discretionary investment management, financial planning, and related services. The firm employs a diversified investment approach grounded in Modern Portfolio Theory and operates several affiliated businesses across real estate, insurance, and legal services.

Malena Yatim is a financial advisor at Destination Wealth Management with seven years of industry experience. She holds Series 63 and Series 65 licenses and has been with Destination Wealth Management since 2016. Destination Wealth Management serves a diverse client base, including individuals, high-net-worth clients, retirement plans, trusts, estates, and charitable organizations. The firm offers discretionary investment management and financial planning, utilizing a range of model portfolios that incorporate equities, fixed income, ETFs, alternative investments, and other strategies, with ongoing committee review of alternative investments.

Stacy Chretien is a CFP® certificant with 29 years of experience in financial advising. She is currently with Destination Wealth Management and has previously worked at Capasso Planning Partners, Insight Wealth Strategies, and Charles Schwab, where she spent over two decades. Destination Wealth Management serves individuals, high-net-worth clients, pension and profit-sharing plans, trusts, estates, charitable organizations, and businesses. The firm employs a core-and-tactical allocation investment approach based on thematic research and macroeconomic analysis, managing discretionary portfolios that may include equities, fixed income, ETFs, options, and private securities.

Yisha Wang is a CFP® with eight years of industry experience, currently serving as a financial advisor at Empirical Wealth Management. Prior to joining Empirical in 2024, she worked at Mariner Wealth Advisors and Northwestern Mutual Wealth Management Company. Outside of finance, she is an instructor at LDS Studio, where she leads classes focused on mobility and flexibility exercises. Empirical Wealth Management serves a diverse client base including individuals, trusts, estates, and institutional investors. The firm employs a Modern Portfolio Theory-based approach with diversified portfolios, and offers a range of financial planning, investment management, and affiliated real estate, insurance, and legal services.

David Harlow is a financial advisor at Earned Wealth Advisors, LLC in Walnut Creek, CA, holding the PFS™ designation and Series 65 license with 20 years of industry experience. He previously worked at Capital Performance Advisors LLP and is involved with TWD Payroll, Inc. and Thomas, Doll & Company, CPAs. Earned Wealth Advisors serves individuals, high-net-worth clients, trusts, and employer-sponsored retirement plans, with a focus on doctors, dentists, and their practices. The firm provides financial planning, discretionary wealth management, and retirement-plan advisory services, employing a diversified, buy-and-hold investment approach informed by third-party consultants and an internal committee.

Sunita Pathak is a financial advisor at Earned Wealth Advisors, LLC with one year of experience in the industry. She has worked as a senior tax accountant at Chahal & Associates LLC since 2009. Earned Wealth Advisors serves individuals, high-net-worth clients, trusts, and employer-sponsored retirement plans, with a focus on doctors, dentists, and their practices. The firm employs a diversified investment approach using independent managers and model portfolios, supported by financial planning techniques and discretionary management.

Mark Foster Sr. is an investment advisor representative at NWF Advisory Services Inc. with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Principal Securities Inc. and MBFS Inc. Foster also owns and operates Mark Foster Insurance Services, which sells and services group health insurance. NWF Advisory Services manages approximately $6.4 billion in client assets, serving primarily individual and high-net-worth clients. The firm offers portfolio management and financial planning through a technology-driven platform that employs open architecture and a variety of program options tailored to client objectives.

Joie Hurtado Wyatt is a financial advisor at Northwest Asset Management with one year of industry experience. She holds the Series 65 designation and has previously worked at Absolute Independent Living Service, Uber, and Athens Administrators. Northwest Asset Management serves individuals, including high-net-worth clients, as well as pension and profit-sharing plans, charitable organizations, and other institutional clients. The firm employs investment strategies based on strategic asset allocation and Modern Portfolio Theory, offering customized investment management, retirement and financial planning, consulting, tax preparation, and sub-advisory services.

David Rairden is a CFP® professional with 27 years of industry experience, currently advising at Destination Wealth Management where he has worked since 2017. He holds Series 63 and Series 65 licenses. Destination Wealth Management serves a diverse client base, including individuals, high-net-worth clients, retirement plans, and charitable organizations. The firm offers discretionary investment management and financial planning, utilizing model portfolios that combine equities, fixed income, ETFs, alternative investments, and sub-advisers, with a focus on rigorous oversight of alternative investments and coordinated estate and tax services through strategic partners.

Meredith Rosen is a financial advisor at BlueSpring Wealth Management, LLC with 13 years of industry experience. She holds the Series 65 designation and has worked at firms including Kestra Financial Inc., Capital Planning Advisors, and Bedell Frazier Investment Counselling, LLC. Vector serves individuals, business owners, trusts and estates, and pension and profit-sharing plans, offering investment management, financial planning, and retirement plan consulting. The firm’s investment process is overseen by an Investment Committee and emphasizes customized investment policies developed through its proprietary Sojourn™ application.

Noah Dalhamer is a financial advisor at Destination Wealth Management with Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Destination Wealth Management in 2021, he held positions at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC. Destination Wealth Management serves individuals, high-net-worth clients, retirement plans, trusts, estates, charitable organizations, corporations, and other business entities. The firm offers discretionary investment management and financial planning, utilizing a suite of model portfolios that include equities, fixed income, ETFs, alternative investments, and other strategies, with ongoing oversight of alternative investments through an Investment Policy Committee.

Patricia Ramirez is a financial advisor with Consolidated Portfolio Review Corp, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She previously worked at Raymond James & Associates, Inc. for nine years and Vanderbilt Financial Group for two years. In addition to her advisory role, she is a money mindset coach who offers a virtual program aimed at helping women rewrite their financial narratives. Consolidated Portfolio Review Corp is an SEC-registered advisory firm serving individuals, high-net-worth clients, trusts, estates, charitable organizations, and retirement plans. The firm provides discretionary and non-discretionary managed accounts, proprietary ETF model portfolios, financial planning, and access to third-party sub-advisors, supporting a range of investment strategies tailored to client objectives.

Dennis Densmore is a financial advisor with Destination Wealth Management in Walnut Creek, CA. He holds Series 63 and Series 65 licenses and has 29 years of industry experience, including 26 years at Destination Wealth Management. Destination Wealth Management provides discretionary investment management and financial planning to a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm employs a core-and-tactical allocation approach supported by fundamental research and macroeconomic analysis, managing over $4.1 billion in discretionary assets.

Jordan Wesley is a financial advisor at Destination Wealth Management in Walnut Creek, CA, with 11 years of industry experience. He holds a Series 65 designation and has been with Destination Wealth Management since 2011. Destination Wealth Management provides discretionary investment management and financial planning services to individuals, high-net-worth clients, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and other business entities. The firm emphasizes a core-and-tactical allocation approach informed by fundamental and macroeconomic research and offers access to alternative investments and estate-planning and tax-preparation services through strategic partners.

Kathleen Fanelli is a CFP® professional with 23 years of experience in financial advising. She is currently with United Capital Financial Advisors and has previously worked at Cetera Advisor Networks LLC and Girard Securities, Inc. United Capital Financial Advisors offers financial planning and investment management services nationally to individuals, corporations, retirement plans, charitable organizations, and institutional clients. The firm employs discretionary portfolio management using asset-allocation models and provides services including ESG and faith-based portfolio customization, client-facing technology, and access to third-party managers.

Pooja Agarwal is a financial advisor at Earned Wealth Advisors, LLC with one year of industry experience. She has been involved with Chahal & Associates, Inc. since 2007, where she dedicates significant time during securities trading hours. Outside of advisory work, she provides tax preparation services on weekends and owns restaurant businesses. Earned Wealth Advisors serves individuals, high-net-worth clients, trusts, and employer-sponsored retirement plans, with a focus on medical professionals and their practices. The firm uses a diversified, buy-and-hold investment approach informed by third-party consultants and an internal committee, offering discretionary wealth management and retirement-plan advisory services.

Ana Chena Davila is a financial advisor at Earned Wealth Advisors, LLC with one year of industry experience. She has prior experience working at Thomas Doll CPAs, where she serves as a Tax Manager. Davila also worked at Saint Mary's College of California and Cisco Systems earlier in her career. Earned Wealth Advisors serves individual and institutional clients, focusing on physicians, dentists, and their practice employees. The firm offers financial planning, discretionary wealth management, and retirement plan consulting, utilizing independent investment managers and model portfolios supported by third-party consultants and advanced portfolio tools.

Ralph Studley is a financial advisor at Concentric with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including New York Life and Schroder Investment Management North America. Studley serves on the board of the Westfield State University Foundation, which supports the university through fundraising and community engagement. Concentric provides discretionary sub-advisory portfolio management and model portfolio construction primarily to other registered investment advisers and financial institutions, using quantitative portfolio-optimization software combined with qualitative oversight to tailor investment solutions. The firm is notable for delivering most services through sub-advisory relationships, focusing on servicing other RIAs rather than direct retail clients.

Deborah Mitchell is a CFP® and CFA® with 13 years of industry experience. She currently works at BlueSpring Wealth Management, LLC and previously spent 11 years at Bedell Frazier Investment Consulting before joining Kestra Financial, Inc. in 2026. Vector serves individuals, business owners, trusts and estates, and pension and profit-sharing plans with discretionary and limited non-discretionary investment management, financial planning, and retirement plan consulting. The firm’s investment process is guided by a proprietary application and an Investment Committee, offering customized portfolios that include mutual funds, ETFs, individual securities, derivatives, and independent managers.

Ryan Noxon is a CFP® and ChFC® with seven years of industry experience. He is currently an advisor at Destination Wealth Management, where he has worked since 2025. Prior to this, he spent seven years at Edward Jones and held roles at Health Plan of San Joaquin and The Permente Medical Group. Destination Wealth Management provides discretionary investment management and financial planning services to individuals, high-net-worth clients, pension and profit-sharing plans, trusts, estates, charitable organizations, and businesses. The firm employs a core-and-tactical allocation investment approach informed by thematic and macroeconomic research, managing over $4.1 billion in discretionary assets.