I watched my family work incredibly hard their whole lives -- and I never wanted anyone else to reach the end of theirs wondering if they did enough with what they had. That's the reason I became a financial advisor. Not because I loved spreadsheets -- though I do -- but because money is the thing that funds the life you're trying to build, and most people deserve someone in their corner who actually treats it that way. I moved to the U.S. from India as a kid and started working at 13. Money was never theoretical in our house. It was decisions with real consequences, and I learned early that the difference between a good outcome and a bad one often came down to information, timing, and who you had helping you. I've spent 14+ years in financial services. Long enough to understand how the industry works -- and long enough to be frustrated by it. Clients getting sold products they didn't need. Advisors earning more when clients invested more, regardless of whether it made sense. Tax, investments, and estate planning treated like separate problems instead of one integrated picture. Singh PWM exists because I refused to operate that way. No commissions. No AUM fees on assets I don't manage. No incentive to recommend anything other than what's right for you. Just transparent flat fees and a clear scope of work -- so you always know what you're paying for and why. I hold two credentials that matter for the kind of work I do: CFP® since 2016 and Enrolled Agent since 2026. The CFP® covers the planning side. The EA means I'm federally authorized to represent clients before the IRS and work through tax strategy directly -- not hand it off to someone else. Together, they let me build retirement plans where tax decisions, investment structure, and income planning actually work together. My wife Stefania runs client services. We live in Phoenix with our son Luke and three dogs. This is a small firm by design -- because the kind of advice I give requires knowing you, not managing a book of 500 accounts. If you're serious about getting your financial life in order before retirement, I'd like to talk. CFP® Since 2016 | EA Since 2026

I'm Julie Kist, CFP®, founder of Kelos Wealth Planning. I help people make smarter financial decisions throughout their working years and into retirement through planning-first advice that integrates tax strategy into every stage of life. Rather than treating investments, taxes, retirement income, and estate planning as separate conversations, I help clients understand how every decision affects the next, so every piece of the plan works together—not in isolation. My clients include people preparing for retirement, already living in retirement, or navigating significant life transitions such as the loss of a spouse, divorce, or a career change. I also work with many women stepping into the role of primary financial decision-maker, often for the first time. Whether we're optimizing where and how you save today or making decisions about Social Security, Roth conversions, Medicare, and retirement income, the goal is the same: helping you make confident decisions with a clear understanding of your full financial picture. I've spent more than 25 years in financial services across institutional consulting and personal financial planning, with one guiding belief: financial planning changes lives when it's proactive, personal, and purposeful. As a fee-only fiduciary, I'm compensated only by my clients, so my advice is never influenced by commissions or product sales. At Kelos, you'll always work directly with me in an ongoing relationship built on thoughtful planning, proactive communication, and attention to the details that matter most.

After 15+ years as a financial planner working for high net worth families and successful business owners, I decided to follow my dream of starting my own firm, to serve people like myself: ambitious, increasingly complex life, and curious to examine my relationship to money. A true high-touch concierge service to go beyond the numbers by understanding what you want from life and what motivates you. We specialize working with AAPI and underserved communities, to undercover your money story to get a deeper meaning of your values and priorities.

Matthew Gorrell is an advisor at HonorPoint Financial in Wasilla, Alaska. He holds Series 65 and Series 63 licenses and has one year of industry experience. His prior roles include positions at H&R Block, the Wounded Warrior Project, and Mayo Clinic. He also owned and operated a skin care studio. HonorPoint Financial is an independent, virtual-first investment adviser serving individuals and families, including working households, veterans, and small business owners. The firm follows a passive, evidence-based investment approach using low-cost index funds and ETFs, focusing on comprehensive financial planning and portfolio rebalancing.

Stephen De Cesare is a CFP® professional with 26 years of industry experience, currently serving as the principal of De Cesare Retirement Specialists since 2008. His prior roles include positions at Triad Advisors, LLC, Royal Alliance Associates, Inc., Investment Advisors Asset Management, LLC, and Investment Advisors & Consultants, Inc. In addition to his advisory work, he is an independent insurance broker. De Cesare Retirement Specialists provides portfolio management, financial planning, and consulting services to individuals, trusts, estates, charitable organizations, and business entities. The firm employs a combination of quantitative and qualitative investment methods, offers both discretionary and non-discretionary services, and incorporates a range of strategies including leveraged and inverse funds as well as crypto-focused ETFs for clients with higher risk tolerance.

Human Capital Wealth Management is a fee-only fiduciary firm for people who have worked hard, saved well, and want to know they are going to be okay. Most of my clients are at or near retirement, or building hard toward it. What they share is that they are done being sold to. As a fee-only fiduciary, I do not sell products and I do not earn commissions. You pay me directly, so I only ever sit on your side of the table. My focus is retirement income, tax strategy, and protecting the people you love, including steady guidance through the hardest transitions, like divorce in retirement or the loss of a spouse. That means turning what you have built into a dependable paycheck, keeping more of your money out of the IRS's hands through smart Roth conversion and tax planning, and investing with discipline using a low-cost, evidence-based approach instead of guesswork or hot tips. I keep my practice small on purpose, so when you call, you get me. If you have ever left a big-name advisor feeling like a number, this is the opposite of that. You built the wealth. My job is to help you keep it, grow it wisely, and enjoy it.

Bill Pauley, CFA, CFP® is the founder and portfolio manager at Southernmost Advisors with almost 20 years of industry experience. Southernmost Advisors is a quantitatively driven family office that is a fee only, commission free financial advisory firm. Their family office service model is fully integrated across retirement income, tax, investment management, estate/legacy, insurance, and cashflow.

Peter Rappmund is a CFP® practitioner, a fiduciary, and Enrolled Agent. He is currently the principal at Counter. LLC d/b/a Counterpoint in Santa Fe, NM, and has prior experience at Voya Retirement Advisors, Voya Financial Advisors, MissionSquare Retirement (ICMA-RC), and Better Money Decisions. Counterpoint provides discretionary investment management and comprehensive wealth management services to individual and high-net-worth clients, offering retirement account advice and portfolio construction using ETFs, low-cost mutual funds, individual securities, and alternative investments. The firm employs a primarily long-term investment approach that includes fundamental, technical, and cyclical analysis and supervises third-party managers without receiving compensation from them.

Timothy Reik is a CFP® professional with 28 years of experience in the financial services industry. He has operated Reik Wealth Management since 2005. Reik Wealth Management serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, and institutional entities. The firm offers financial planning discretionary investment consulting, utilizing asset-allocation analysis and firm research to develop tailored financial plans and investment recommendations.

I was 13 years old when I started investing. My grandfather taught me. Instead of fishing or watching baseball during summers together, he walked me through options trading (not the safest way to invest lol). Buying and selling puts, running iron condors and writing covered calls. Most kids my age were at camps or on the swim team. I was learning about risk, free cash flow, and what it means to actually own a piece of a business. I was obsessed. I kept investing through college, eventually realizing there was a whole world beyond picking stocks. Tax planning. Estate planning. Cash flow. The full picture of what it takes to build wealth and protect a family. I joined a firm out of school. Then another. I learned a lot, but kept running into the same wall: I didn't have the freedom to invest the way I believed clients deserved. In 2021, I started Baskets Capital, my own independent RIA. I wanted full control over how we serve clients. Not 10 mutual funds and calling it a day. Not telling an 85 year old "let's just see what the market does." I wanted custom portfolios of individual stocks, actively managed, tailored to each client. Then in early 2024, life hit me hard. I was diagnosed with a fatal brain tumor. Three months of scans and specialists led to brain surgery in May 2024. A week in the hospital, time in the Neural ICU, and a long recovery that stretched through the year. I could not have made it through without God protecting me the whole way, without Courtney by my side, and without having built my own firm years prior. Full control over my schedule is what let me focus on healing. In 2025, the best thing that has ever happened. We welcomed our daughter, Parker, into the world. She reshaped how I think about my work and why it matters. At Baskets Capital, we help families and business owners navigate tax planning, estate planning, charitable giving, and investments so they can focus on what matters most - family time. We coordinate every piece: proactive tax planning, smart giving strategies like donating appreciated stock and using donor-advised funds, and custom portfolios of individual stocks. Every dollar gets put to work with intention. If you think you're safe because nothing has gone wrong yet, and you haven't built a plan for what happens when life throws something unexpected at you, we should probably talk. Life has a thousand things it can throw. One of the best things you can do is prepare, build a plan, and walk through it with experts beside you.

Alex Bridges is a Wealth Advisor and the founder of Tiverton Wealth. He established the firm after serving as Chief Strategy Officer for a Houston-based investment management firm, bringing with him a foundation in comprehensive financial planning and a client-centered approach. Alex began his career in January 2017 with Northwestern Mutual, where he developed core planning and advisory skills that continue to inform his work today. Alex holds the CERTIFIED FINANCIAL PLANNER® (CFP®), Chartered Financial Consultant® (ChFC®), and Retirement Income Certified Professional® (RICP®) designations. These credentials reflect his commitment to professional standards, continuing education, and thoughtful financial planning across areas such as wealth accumulation, retirement income planning, risk management, estate planning, and tax efficiency. In his role as an investment adviser representative of a registered investment adviser, Alex acts as a fiduciary to clients. Alex founded Tiverton Wealth to provide advice that is aligned with clients’ best interests and structured on a fee-only basis, without commission-based compensation. His approach emphasizes clarity, education, and long-term planning tailored to each client’s circumstances and priorities. Alex earned his Bachelor of Business Administration in Finance, with a specialization in Personal Financial Planning, from the C.T. Bauer College of Business at the University of Houston. He resides in The Heights with his wife, Andrea, their daughter, Zoe, and their dogs. Alex values time with family and community and believes those relationships help shape the care, responsibility, and perspective he brings to his work with clients.

William is the Founder at LKL Advisors in Atlanta, GA. He holds a Series 65 designation and has been working in the finance space since 2017. Under a single, transparent fee structure that beats the 1% model, LKL Advisors provides comprehensive financial planning, portfolio management, access to private investments, equity comp planning, tax strategy, estate planning (will and trust creation included), and more, primarily for mid-career corporate professionals.

Hi, I'm Louis Guajardo. I’m the founder of Moonshot Planning, a financial planning firm built specifically for creators, freelancers, and self-employed professionals - the people traditional finance tends to overlook. My journey started when I saw firsthand how the industry dismissed talented creators who didn’t fit the usual model. I watched a young creator making more than many people twice her age, yet she had no retirement plan, no tax strategy, and no financial roadmap. When I asked how we could help her, I was told to just ignore her. That stuck with me. After passing my CFP® exam and launching my own firm, Brighter Days Planning, I realized I’d built something safe and predictable - like everyone else. But when that same creator came back, signed up, and started referring her friends after we built her plan, everything changed. I realized this wasn’t just a niche; this was the entire point. So I burned it down and rebuilt, and that’s how Moonshot Planning was born. Today, I’m committed to serving the creators, freelancers, and self-employed people that the rest of the industry has overlooked, helping them build personalized financial plans that actually fit their lives and careers. Outside of work, I stay active and creative. I train in jiu-jitsu and boxing, skateboard, draw, and listen to music, all of which help me stay balanced, focused, and energized both personally and professionally.

Allan Katz is a financial advisor at Stirlingshire Investments with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Stirlingshire RIA LLC and Stirlingshire BD LLC since 2023, in addition to serving as president of Comprehensive Wealth Management Group, LLC since 2007. Outside of finance, Katz is a freelance trombone player and owns a model train business. Stirlingshire RIA LLC provides discretionary portfolio management to individuals, trusts, and other entities, serving both non‑high-net-worth and high-net-worth clients. The firm employs a diverse investment approach that includes quantitative, fundamental, and technical analysis, offering a range of investment vehicles and model strategies through the Advyzon marketplace.

Tomas Geoghegan is a CFP® and Series 66–registered financial advisor with 23 years of industry experience. He has been with Beacon Hill Private Wealth LLC since 2016, where he is the sole advisor. The firm provides comprehensive wealth management and planning services to individuals, high-net-worth families, trusts, institutions, and businesses. Beacon Hill employs an evidence-based, largely passive investment approach focused on global diversification, modest factor tilts, and high-quality fixed income to manage portfolio volatility, and it offers distinctive pension-consulting services including plan investment platform analysis and participant education.

Hi! My name is Joe Forish and I started Fortrove Partners to help technologists deal with challenges of company ownership / equity compensation. From a young age, I learned about maximizing hard work and doing what you do best while working at my father’s auto dealership. I also saw first-hand both the rewards and challenges of running a business. Prior to Fortrove, I honed my expertise investing in public and private equity. I graduated from Pennsylvania State University with a B.S. in Finance and International Business, and from the Harvard Business Analytics Program, with Distinction. In my free time you will find me skiing an evergreen tree-lined run or longboarding when it’s cloudy and glassy. I live in New York City with my wife Linda.

I'm the founder of SCM Investment Services in Lake Elmo, MN — a fee-only, fiduciary advisory firm built on one belief: everyone deserves honest financial advice from someone legally required to put their interests first. My path here started on the trading floor at the Chicago Board of Trade, where I transacted over $1 billion in US Treasury Notes daily and later served as VP and Director of Discretionary Trading Operations. With degrees in Computer Science and Chemistry, I've always approached investing as a hard science — not a sales pitch. I earned my MBA from the University of Chicago Booth School of Business, the epicenter of evidence-based investing. No commissions. No exceptions. I've been quoted as a financial expert in CNN Money, Fortune, the Chicago Tribune, US News, and Investment News.

Austin Hunt is a CFP® professional who has been working in financial services since 2018. He is the sole advisor at Hunt Wealth, which he founded in 2025, following prior roles at Raymond James and Steward Partners. Hunt also serves as an account executive for Holistiplan, a tax planning software company. Hunt Wealth provides investment management and financial planning services to individuals and high-net-worth clients. The firm employs a combination of passive and active strategies based on Modern Portfolio Theory and offers discretionary and non-discretionary portfolio management, with a focus on asset allocation and manager selection through a model marketplace and outside managers.

Christopher Gething founded Atherean Asset Management LLC in 2014 as an independent investment advisory firm after working as a financial adviser at various firms including MetLife Securities since 2006. He is also the managing member of the general partner to the Atherean Value Fund, LP, a value-oriented long-short equity fund which was formed in 2023. Prior to working in investment management he worked as an engineer at companies including ABAQUS, Inc, now part of Dassault Systèmes. He is a CFA charterholder and a member of the New York Society of Security Analysts, and is also a Certified Financial Planner practitioner. He has Sc.B. and Sc.M. degrees in engineering from Brown University, and did graduate work at the Massachusetts Institute of Technology, where he was a member of Sigma Xi. Atherean Asset Management LLC offers investment advisory, portfolio management, and financial planning services to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, trusts, and investment funds. The firm manages customized separately managed accounts and a private pooled vehicle, Atherean Value Fund, LP, using an equity-centered approach that combines strategic asset allocation, tactical adjustments, and fundamental valuation.

Adam Van Ness is the sole advisor at NW Straits Financial Services in Bellingham, WA, holding Series 65 and Series 66 designations with 15 years of industry experience. He has served as a financial advisor since 2021, following five years as a homemaker. Outside of his advisory practice, he teaches community-based continuing education classes on personal finance topics and serves as a board member for Unity Care Northwest, a local nonprofit healthcare provider. NW Straits Financial Services provides discretionary investment management and project-based personal financial consulting primarily for individual and high-net-worth clients. The firm emphasizes passive, index-based portfolios tailored to client-specific asset allocations and time horizons, with a focus on managing risk as clients approach withdrawal events.