Christopher Dodds is a financial advisor with Crown Oak Advisors and holds Series 63 and Series 65 licenses. He has five years of industry experience and has worked with firms including Coinbase Global, The Cynosure Group, Baron Capital Group, and The Charles Schwab Corporation. Dodds serves on the boards of directors for The Charles Schwab Corporation and Charles Schwab Bank and acts as a consultant to Baron Capital Group and The Cynosure Group. Crown Oak Advisors provides discretionary investment management and institutional consulting to individuals, trusts, estates, charitable organizations, endowments, and other institutions. The firm employs an equity-focused investment approach combining fundamental, cyclical, and behavioral finance analysis to identify undervalued businesses for long-term ownership.

Raymond Navarro is a financial advisor at Antigravity Investments with two years of industry experience. He previously worked as an analyst for mergers and acquisitions at StoneBridge Acquisition Corporation and held a position at The Vant Group. Antigravity Investments offers web-based, discretionary asset and portfolio management services to individual clients, using an online onboarding process and a combination of fundamental, technical, cyclical, and quantitative analyses for security selection. The firm operates primarily through a digital platform that facilitates fee payments and client communications.

Mark Kriss is a Series 65-licensed financial advisor at Macroclimate LLC with 21 years of industry experience. He has been with Macroclimate since 2004 and serves as Managing Director of Geofinancial Analytics, Inc. and Geofinancial Analytics Canada Corp., independent data providers focused on advancing the clean energy transition through geospatial technology. He is also a member of the Sustainability Council at Dimensional Fund Advisors. Macroclimate provides discretionary investment management primarily to individuals, including high-net-worth clients, as well as donor-advised funds and nonprofit organizations. The firm employs a Modern Portfolio Theory–based, long-term buy-and-hold strategy using passive and factor-based funds, with an emphasis on environmental, social, and governance (ESG) factors in its investment process.

Min Kim is a financial advisor at Twin Lakes Capital with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Twin Lakes Capital Management since 2005 and First Allied Securities since 2000. Twin Lakes Capital serves primarily higher-net-worth individuals and families, offering customized portfolio management and financial planning. The firm combines macroeconomic analysis with proprietary fundamental research to build long-term, value-oriented, tax-efficient portfolios and also sources private investment opportunities for qualified clients.

Ronan Gaudario is a financial advisor with Luna Capital Management, LLC in Burlingame, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Luna Capital since 2017 and was previously with VOYA Financial Advisors. Outside of advising, he is a licensed real estate agent and an independent insurance agent. Luna Capital Management serves individual and high-net-worth clients with portfolio management, financial planning, and pension consulting. The firm customizes investment strategies based on client objectives and risk tolerance, utilizing techniques such as asset allocation and options strategies, while also providing estate-planning coordination and ongoing suitability reviews.

Adam Brzeczek is a financial advisor with Rutherford Investment Management in San Francisco, holding Series 63 and Series 65 licenses and four years of industry experience. He previously worked at Merrill Lynch and Telescope Partners. Outside of his advisory role, he is co-founder and co-CEO of Aestuary, Inc., a company that sells consumer packaged goods online. Rutherford Investment Management is a fee-only firm that provides discretionary portfolio management and investment advisory services to individuals and institutional accounts. The firm manages separate accounts and pooled vehicles, including a Multi-Cap Growth Fund focused on U.S. equities, and serves as investment manager to a collective investment trust for qualified employer-sponsored defined contribution plans.

Brian Acard is a financial advisor at NWK Group with 29 years of industry experience. He holds a Series 63 designation and has been with NWK Group since 2014. The firm provides discretionary and non-discretionary investment supervisory services, financial planning, cash management consulting, and pension/institutional consulting to individuals, including high-net-worth clients, and retirement plans. NWK Group employs a multi-faceted investment process incorporating fundamental, technical, quantitative, and qualitative analysis, along with formal asset allocation and ongoing portfolio monitoring.

Karen Goodfriend is a CFP® and PFS™ credentialed advisor with 25 years of industry experience. She has been with WealthValues, LLC (formerly KK Wealth Advisors, LLC) since 2006. WealthValues serves individual and high-net-worth clients by providing portfolio management, financial planning, and consultative wealth management services. The firm employs a diversified, tax-aware investment approach, combining active and passive strategies, and manages client accounts primarily on a discretionary basis.

Michael Castro is a CFP® with 27 years of experience in the financial industry. He is currently with Contango Wealth Management LLC and has prior experience at Marin Wealth Advisors LLC and Charles Schwab & Co., Inc. Contango Wealth Management serves individual and high-net-worth clients, providing discretionary portfolio management and customized financial planning. The firm employs a combination of fundamental analysis, modern portfolio theory, and quantitative methods with a long-term trading approach.

Elena Hawk is a financial advisor at Hawk Advisory LLC in San Francisco, CA, with five years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including UBS Financial Services and J.P. Morgan Securities. Outside of advising, she operates fee-based financial education seminars and digital courses. Hawk Advisory LLC provides financial planning, investment management, and tax preparation services primarily to individual clients. The firm uses an asset-allocation framework informed by modern portfolio theory, combining passive and active strategies and offering socially conscious options when requested.

Abraham Martinez is a CFP®-certified financial advisor with 19 years of industry experience. He has worked at Amara Financial, LLC since 2020 and previously held roles at Brio Financial Group and Ameriprise Financial Services, Inc. Martinez is also a licensed insurance agent for fixed products. Amara Financial serves individuals, corporations, and employer-sponsored retirement plans with discretionary and non-discretionary investment management, financial planning, and retirement plan consulting. The firm employs a goal-based investment approach grounded in Modern Portfolio Theory and offers specialized services such as cost segregation studies and corporate-structure analyses.

Derek Hobbs is a financial advisor at Evart, Young & Hobbs Investment Management with 22 years of industry experience. He holds the Series 65 designation and has been with the firm since 1998. Evart, Young & Hobbs Investment Management provides discretionary portfolio management to individual investors, trusts, business entities, and qualified retirement plan sponsors, as well as pension consulting services. The firm employs a research-driven investment approach grounded in modern portfolio theory, utilizing globally diversified, low-cost, tax-efficient ETFs and institutional mutual funds.

Amber Woods is a financial advisor at Lula Financial in Oakland, CA, holding a Series 65 designation with no prior industry experience. Outside of advising, she has been involved with Pink Light Inc. for 14 years. Lula Financial provides financial planning and portfolio management services to individual clients, focusing on passive investment strategies using index funds and ETFs. The firm offers various planning arrangements and serves a modest client base without targeting high-net-worth individuals.

Sean Fletcher is a CFP® with 22 years of experience in the financial industry. He is a principal at Prospettiva Financial, where he has worked since 2010, and previously operated Rhodes & Fletcher, LLC. Outside of finance, he is an owner and artist involved in the production and exhibition of fine and performing arts and serves on the advisory board of Honig Vineyard & Winery. Prospettiva Financial provides wealth management and financial planning services to individuals, trusts, estates, charitable organizations, and pension or profit-sharing plans. The firm manages approximately $116 million in discretionary assets and is noted for its work with state and municipal government retirement plans and its use of tailored portfolios primarily composed of mutual funds and ETFs.

Gavin Distasi is a financial advisor with Topel & DiStasi Wealth Management, LLC, holding a Series 66 designation and bringing 22 years of industry experience. He previously worked at LPL Financial from 2009 to 2017 before joining his current firm. Outside of his advisory role, he is an associate member and steering committee participant of Collaborative Practice East Bay, which provides education and outreach on alternative dispute resolution for divorcing couples. He also occasionally plays music. Topel & DiStasi Wealth Management serves individual and high-net-worth clients with asset management, comprehensive portfolio management, and standalone financial planning. The firm manages portfolios on a discretionary basis using model allocations ranging from conservative to aggressive, and offers broad financial planning services including retirement, estate, charitable, corporate, and tax planning.

Carol Horace is the sole advisor at Stafford Capital Management LLC in Sausalito, CA, holding Series 63 and Series 65 credentials with 41 years of industry experience. She has been with Stafford Capital Management since 2011 and worked previously at WM. H. Murphy & Co., Inc. in 2018. Stafford Capital Management provides discretionary portfolio management primarily for high-net-worth individuals, families, trusts, and small business entities. The firm uses a bottom-up, fundamental investment approach focused on equity securities, building concentrated, tax-aware portfolios with a growth-at-a-reasonable-price orientation.

Rodrigo Nevado is a financial advisor at Amoretti Capital Management with three years of industry experience. He holds Series 65 and Series 66 licenses. Outside of his advisory role, he is the managing partner of Black Hill Ventures, a consulting company focused on operational, branding, and business development consulting, and serves as director of operations for Canadian Health Labs, a consulting role involving logistics for placing traveling nurses in health authorities across Atlantic Canada. Amoretti Capital Management provides portfolio management, investment analysis, financial planning, and retirement-plan services to individuals, high-net-worth clients, and small business plan sponsors. The firm uses risk-based model portfolios that combine quantitative, fundamental, technical, and economic analysis with a blend of active and passive strategies, alongside a program of educational seminars for retirement-plan clients.

Jeffrey Hodges is a financial advisor at January Capital Advisors LLC in San Francisco, holding a Series 66 designation with 18 years of industry experience. He has worked with LPL Financial since 2015 and concurrently operates January Capital Advisors. Hodges is also a licensed insurance agent, offering insurance products on a limited basis outside of his advisory role. January Capital Advisors provides investment advisory and retirement-plan services to individuals, trusts, corporations, and plan sponsors. The firm utilizes proprietary asset-allocation and risk-tolerance models integrating fundamental, technical, and trend analysis, managing portfolios that may include derivatives and sponsoring a wrap-fee program.

Laurel Jones is a Series 65 licensed advisor at Cedar Wealth Management with six years of experience in the industry. She has worked at Cedar Wealth Management since 2020 and previously held roles at Westville and Rose Mansion, with a sabbatical in 2019. Cedar Wealth Management primarily serves individual clients, including high-net-worth individuals, trusts, estates, and retirement plans. The firm focuses on long-term, globally diversified asset allocation using a variety of investment vehicles, offering both portfolio management and financial planning services tailored to client goals and risk tolerance.

Hari Garhwal is a CFP®, CFA®, and Series 65 credentialed advisor with 22 years of industry experience. He is a co-founder and partner at Garhwal, Chan & Williams Inc. and its affiliated family office in San Francisco, where he has worked since 1996. In addition to his advisory role, Mr. Garhwal co-founded a certified public accounting firm that provides business management, consulting, estate planning, and tax preparation services, dedicating about half of his time to accounting clients. Garhwal, Chan & Williams Inc. serves a small, primarily high-net-worth client base including individuals, trusts, closely held businesses, and ERISA plans. The firm offers tailored financial planning and discretionary portfolio management with an investment approach focused on long-term, broadly diversified passive exposures across multiple risk premiums and international markets. Its affiliation with a CPA practice and a concentrated, high-net-worth client roster distinguish the firm.