William Smithers III is an advisor at Heckman Financial & Insurance Services, Inc. He holds Series 63 and Series 65 licenses and has been with the firm since 2025. His prior experience includes roles at Coforge Limited, OptimEyes AI, Concentrix Corporation, Symbio Corporation, and Globant S.A. Heckman Financial & Insurance Services, Inc. provides advisory services to individuals, trusts, estates, charitable organizations, and business entities. The firm offers discretionary asset management, financial planning, and ERISA retirement-plan advisory services, alongside insurance brokerage and tax-preparation, supported by educational seminars and workshops.

Gary Muto is a financial advisor with BCN Financial, Inc. in Pleasanton, CA, holding a Series 63 designation and 33 years of industry experience. He has worked at BCN Financial since 1994 and has held prior roles at Quest Securities, Inc., Crown Capital Securities, LP, and LPL Financial. BCN Financial provides retirement plan advisory and related financial planning services primarily to participants of employer-sponsored retirement plans and members of Police and Fire Department associations. The firm’s investment process focuses on mutual funds and ETFs, including unleveraged inverse ETFs, combining fundamental, technical, and sentiment analysis with market timing, and delivers regular client reporting and specific non-discretionary advice.

Brian Nguyen is a Certified Financial Planner® with 18 years of industry experience. He is currently with Twin Peaks Wealth Advisors and has previously worked at Purshe Kaplan Sterling Investments, LPL Financial, Fremont Bank, and Investor Fan. Twin Peaks Wealth Advisors is a multi-advisor team managing approximately $585 million for individuals, families, trusts, retirement plans, and other entities. The firm focuses on strategic asset allocation using ETFs and institutional mutual funds, complemented by tactical overlays and specialized strategies delivered mainly through discretionary separately managed accounts.

Diana Louie is a financial advisor at Nectarine with Series 65 and Series 63 credentials. She has one year of experience in the industry, having previously worked at Google for ten years. Nectarine serves individual and high-net-worth clients by providing consultative financial planning through a team of advisor representatives. The firm emphasizes long-term asset allocation using low-cost, index-based mutual funds and ETFs and offers services through one-hour consultations, multi-week plans, and ongoing engagements without managing client investments or monitoring accounts post-advice.

Tyler Scott is a CFP® and CFA® with 16 years of experience in financial advising. He has been with Wealth Architects, LLC since 2012. Wealth Architects serves individual investors, including high-net-worth clients, as well as trusts, estates, retirement plans, pension and profit-sharing plans, and charitable organizations. The firm provides comprehensive wealth management and planning using a tailored strategic asset allocation approach grounded in modern portfolio theory.

Helena Sandoval is a financial advisor at Kera Capital Partners with three years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley for ten years and Edward Jones Investments for 22 years. Outside of her advisory role, she is a Notary Public for the state of California. Kera Capital Partners serves individual, high-net-worth, and institutional clients, managing assets on a multi-advisor platform with over $1.3 billion in assets under management. The firm combines fundamental and quantitative analysis to create tailored portfolios using a range of investment vehicles, including equities, fixed income, ETFs, options, and mutual funds.

Audrey Glafkides is a CFP® professional with 16 years of industry experience. She is currently with Mirador Capital Partners and has worked at Purshe Kaplan Sterling Investments since 2016. Audrey also serves as Chief Operating Officer at Mirador Capital Partners and holds licenses as a fixed insurance agent and notary public. Mirador Capital Partners serves individual and high-net-worth clients, trusts, retirement plans, and small businesses with discretionary portfolio management, financial planning, and consulting services. The firm’s investment approach combines top-down fundamental analysis with technical analysis and offers a variety of asset-allocation models across public and private securities and alternative investments.

Alan Werba is a CFP® with 48 years of industry experience and is a principal at Werba Rubin Papier Wealth Management, LLC. He has held leadership roles at Werba Reinhard, Inc. and Werba Advisory Services, Inc. for over two decades and has been affiliated with Loring Ward Securities, Inc. since 1999. Werba serves as president of Werba Advisory Services, Inc., which provides tax preparation and consultation services. Werba Rubin Papier Wealth Management offers discretionary and non-discretionary investment management, financial planning, pension consulting, and retirement-plan advice primarily to individuals, high-net-worth clients, charitable organizations, and pension or profit-sharing plans. The firm employs a long-term, risk-targeting investment approach based on Modern Portfolio Theory and utilizes diversified portfolios including mutual funds, ETFs, and individual securities.

Jared La Blue is a financial advisor with Diversifi Capital Inc in Los Altos, CA, holding a Series 65 designation and six years of industry experience. He has worked at Compass Capital Management Group, Diversifi Capital LLC, theTaxGuySF, and Dragon Financial Group. DiversiFi Capital provides investment advisory and financial planning services primarily to individual and high-net-worth clients, as well as managing pooled investment vehicles. The firm uses a combination of fundamental, technical, charting, and quantitative analysis within a structured investment process and manages multiple private funds and SPVs focused on frontier technology investments.

Jonathan Riley is a financial advisor with Riley Friedman Asset Management in Los Altos, CA, holding 15 years of industry experience. He has been with Riley Friedman Asset Management since 2011, working as one of two managing members. Riley Friedman Asset Management provides ongoing portfolio management and basic financial planning to individuals, high-net-worth clients, and pension/profit-sharing plans. The firm employs a fundamental, long-term, value-oriented investment approach focused on capital preservation, transparency, liquidity, and diversification.

Jack Mc Hargue is a financial advisor at Morling Financial Advisors, LLC with a Series 65 designation and one year of industry experience. He has held positions at RW Investment Management, Will Ellsworth Financial Advising, and Northwestern Mutual. Morling Financial Advisors serves individuals, high-net-worth clients, families, trusts, businesses, retirement plans, and nonprofit organizations with discretionary investment management, financial planning, and pension consulting services. The firm constructs client-specific portfolios that combine index-based equity and fixed-income strategies with alternatives such as private equity and private debt, and offers ESG integration upon request.

Quynh Ho is a financial advisor at Werba Rubin Papier Wealth Management, LLC with seven years of industry experience. Ho holds a Series 65 designation and has been involved with Cereus Investment Inc. and Cereus Corporation since 2010, serving as CEO and CFO respectively in non-securities related businesses including real estate brokerage, bookkeeping, tax preparation, and construction. Werba Rubin Papier Wealth Management serves individuals, high-net-worth clients, charitable organizations, and retirement plans by providing discretionary and non-discretionary investment management, financial planning, and pension consulting. The firm employs a risk-based, long-term investment approach grounded in Modern Portfolio Theory and manages approximately $1.13 billion in assets across a team of seven advisors.

John Lococo is a financial advisor with American Investors Company in San Jose, CA, holding a Series 66 designation and 16 years of industry experience. He has been with American Investors Company since 2010 and also serves as a full-time independent insurance agent through his sole proprietorship, First Street Wealth Advisors. American Investors Company provides investment advisory and financial planning services to a range of clients including individuals, pension plans, trusts, and charitable organizations. The firm offers both discretionary and non-discretionary asset management, financial planning, and 401(k) investment services, operating with a combined broker-dealer and SEC-registered adviser structure.

Kai Chen is a CFA® charterholder with 23 years of industry experience. He is a principal and managing member at Oceaniq Capital, LLC, where he has worked for 13 years. His prior experience includes roles at Credit Suisse Securities and FNEX Capital. Oceaniq Capital serves high-net-worth individuals, family offices, trusts, corporations, and retirement plan sponsors by providing portfolio management, financial planning, and family office services. The firm employs a customized, discretionary investment approach using fundamental, quantitative, and qualitative analysis across public securities, options, and private investments.

Michael King is a financial advisor at Morling Financial Advisors, LLC in Fremont, CA, holding a Series 65 designation with four years of industry experience. His prior roles include positions at SitusAMC and Alan King and Company. Morling Financial Advisors serves individuals, high-net-worth clients, families, trusts, businesses, retirement plans, and nonprofit organizations with discretionary investment management, financial planning, and pension consulting services. The firm employs a client-specific strategic asset allocation combining index-based public equity and fixed income, mutual funds, ETFs, and alternative investments, with ESG integration available upon request.

Joseph Mcginley is a financial advisor at Ellis Investment Partners, LLC with 27 years of industry experience. He holds Series 63, 65, and 66 licenses and has previously worked at firms including Federated Securities Corp. and FIS Global Trading. Outside of financial advising, he serves on the boards of the SAG-AFTRA San Francisco-Northern California labor union and the Hunters Point Biomonitoring Foundation. Ellis Investment Partners provides investment advisory and planning services to individual and institutional clients, offering portfolio management, financial planning, and retirement plan advisory with a dynamic asset-allocation approach and multiple model portfolios. The firm is notable for its retirement plan practice and specialized use of Fidelity’s direct-indexing platforms and fiduciary services.

Stephen Philpott is a CFP® and financial advisor with Nelson Capital Management, LLC, where he has worked since 2005. He has 13 years of industry experience and is based in Menlo Park, CA. Nelson Capital Management serves individuals, high-net-worth clients, trusts, pension and profit-sharing plans, and other investment advisers by providing portfolio management, financial planning, and retirement plan asset-management services. The firm’s investment process uses fundamental analysis and a mix of ETFs, mutual funds, individual stocks, and bonds, with regular portfolio reviews and both long- and short-term strategies.

Judy Lee is a financial advisor at Forthright Capital with five years of industry experience. She holds Series 65 and Series 63 licenses and has worked at several firms including Prudential Insurance Company of America and New York Life Insurance Company. In addition to her advisory role, she is involved with Forthright Capital Partners, LLC as an insurance agent focused on individual life insurance and fixed annuity products. Forthright Capital Advisory, LLC manages approximately $107.7 million in discretionary assets and serves individuals, retirement plans, corporations, and charitable organizations. The firm primarily employs passive investment management using model portfolios and outside managers tailored to individual investment policy statements, with regular quarterly account reviews and oversight.

Jonathan Masse is a CFA® charterholder with 21 years of industry experience, currently serving as a financial advisor at Penserra Wealth Management. His prior experience includes roles at Perigon Wealth Management, Bank of America, Merrill, and several other firms. Outside of advising, Masse teaches CFA exam review courses and university classes at UC Berkeley Extension and Santa Clara University, and he conducts occasional consulting on alternative investments. Penserra Wealth Management is an SEC-registered investment adviser that offers portfolio management, financial planning, pension consulting, concierge administrative services, and sub-advisory solutions. The firm employs a multi-disciplinary investment approach incorporating fundamental, technical, cyclical, and economic analysis, managing discretionary client assets primarily through strategic and tactical strategies.

Craig Tompkins is a financial advisor with CSP Financial Group LLC in San Jose, CA, holding Series 63 and Series 65 licenses and bringing seven years of industry experience. He has previously worked with Agape Investment Coaching and Rice Financial Consulting, and he also owns and operates Coalition Insurance Services, a life and health insurance business in California. CSP Financial Group provides discretionary asset management, financial planning, and retirement-plan services to individuals, high-net-worth clients, and business entities. The firm emphasizes portfolio construction and monitoring based on Modern Portfolio Theory, employs third-party managers for model implementation, and manages held-away workplace accounts with a focus on tax-efficient asset location and rebalancing.