Loren Kinczel is a financial advisor at Cultivate Financial Group LLC with 15 years of industry experience. He holds a Series 65 designation and has served in various roles, including positions with Scharf Investments, LLC and involvement with the University of California system. Kinczel is a trustee and Investment & Finance Committee Chair for the UC Santa Cruz Foundation and serves on the advisory boards of the University of California Observatories and the University of California Fiat Lux Alliance. Cultivate Financial Group LLC provides discretionary investment management, financial planning, and institutional consulting to individuals, families, trusts, and institutions, with a focus on charitable organizations and corporate clients. The firm employs a fundamental analysis-based investment process with strategies such as Core Growth and Capital Preservation, offering tailored portfolio management and outsourced chief investment officer services.

Eli Cohen is the sole advisor at Crescent Park Management, L.P., holding a Series 65 designation with 12 years of experience at the firm since 2014. Based in Los Altos Hills, CA, he leads the firm's investment activities. Crescent Park Management provides discretionary investment management through separately managed accounts primarily for high-net-worth individuals and small businesses meeting the Qualified Client standard. The firm employs a concentrated long-and-short investment approach across U.S. and international equities and related instruments, including options and private securities, with a focus on multi-year mispricing opportunities.

Gino Greco is the sole advisor at G. P. Greco & Co., Inc., an independent registered investment adviser based in Palo Alto, CA. He holds Series 63 and Series 65 licenses and has five years of industry experience. Prior roles include positions at Northwestern Mutual and First Republic Bank. Outside of his advisory work, he is a licensed life and health insurance agent managing fixed and indexed personal insurance products through Greco Insurance Agency. G. P. Greco & Co., Inc. provides customized portfolio advisory services primarily to individual clients, managing approximately $4.7 million across 16 accounts. The firm employs a long-term investment approach combining cyclical and fundamental analysis with modern portfolio theory, offering both discretionary and non-discretionary management while limiting advice to a defined range of asset classes.

Michael Hollars is a CFP® professional with 21 years of experience in financial advising, operating Client First Finance LLC since 2005. His background includes advanced technical graduate degrees and prior Silicon Valley executive experience. He participates in NAPFA activities and offers pro bono community workshops. Client First Finance LLC serves individuals, couples, trusts, estates, small businesses, and retirement-plan clients, providing financial advice ranging from specific issues to comprehensive multi-year planning. The firm focuses on long-term, passive index-based portfolios, disciplined asset allocation, and written investment policies, operating on a fee-only, non-discretionary model without custody of client assets.

Brian Murphy is a CFA® charterholder with 25 years of industry experience. He has been with Pariveda Investment Management since 2000. Murphy is also the CEO and partial owner of Kivalia, an online investment resource that provides free investment insights and model portfolios to participants in employee-sponsored retirement plans. He may provide management and business consulting services to third parties as well. Pariveda Investment Management offers fee-only investment management to individuals, high-net-worth clients, families, trusts, and select institutional accounts. The firm uses a combination of quantitative screening and fundamental analysis to manage portfolios focused on income generation and capital appreciation, employing a range of securities including equities, mutual funds, ETFs, and derivatives.

Warren Jackson is a CFA® charterholder with nine years of industry experience. He is the principal advisor at Kukui Tree Capital Management LLC, an independent firm he has been with since 2024. His prior roles include positions at Media Wealth, Adero Partners, Vista Wealth Management, and Bank of New York Mellon. Kukui Tree Capital Management advises individuals, high net worth individuals, trusts, and estates with discretionary investment management and comprehensive financial planning. The firm’s investment approach centers on fundamental analysis and a long-term orientation, tailoring portfolios to client goals, time horizons, and risk tolerance while overseeing third-party independent managers.

Thomas Berry is a financial advisor with LPL Financial in Campbell, CA, holding Series 63 and Series 66 licenses and 23 years of industry experience. He has worked with LPL Financial since 2004 and is also associated with Pacific Benefits Advisors and Pacific Wealth Advisors, LLC. Berry's activities include involvement with group health, life, disability, and pension plan insurance through Pacific Benefits Advisors. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a variety of investment solutions supported by an in-house research team, combining large-scale advisory operations with insurance and credit products through affiliated agencies.

Donald Hejna is a CFA® charterholder and holds a Series 65 license with 12 years of experience in the financial industry. He is the principal at Stantum, LLC, an independent advisory firm, and has held roles at Microsoft Corporation as a principal data science manager and at Accenture, LLP. He also serves as a teaching assistant and facilitator at Stanford University Graduate School of Business. Outside of his advisory work, Hejna is the managing partner of Virentem Ventures, LLC, a software and technology company. Stantum provides financial planning and portfolio management services to individuals, corporations, trusts, and other entities, employing a quantitative, risk-focused approach that incorporates Monte Carlo simulations, optimization techniques, and machine-learning methods. The firm offers a combination of traditional advisory services and specialized analytical projects, including securities ratings and bespoke valuation models.

Joel Meyer is the principal and sole advisor at Meyer Financial Advisors, Inc. in Los Altos, CA. He holds the CFA® designation and has seven years of industry experience. Prior to founding Meyer Financial Advisors, he worked at Administrative Software Applications, Inc. for 14 years. Since 2021, he has also served as CEO of Meyer Financial Counselors, LLC, providing financial planning for divorcing couples and business consulting. Meyer Financial Advisors, Inc. is an independent, single-advisor firm serving individuals, high-net-worth clients, and small businesses with financial planning, portfolio management, and investment consultation. The firm employs a Modern Portfolio Theory-based approach, combining fundamental and technical analysis to build diversified portfolios and offers periodic educational seminars and family-office style services.

Stephen Lajala is the principal of Lajala & Associates, an independent advisory firm based in San Jose, CA. He holds CPA credentials and has 43 years of experience with his firm, alongside eight years of industry experience as a financial advisor. In addition to his advisory work, he engages in public accountancy and income tax preparation through his CPA firm. Lajala & Associates provides discretionary portfolio management and limited-scope hourly financial planning to a small client base including individuals, pension and profit-sharing plans, trusts, and estates. The firm employs a strategic asset allocation approach with a core-and-satellite structure using primarily no-load mutual funds and ETFs, focusing on global diversification and monthly performance reporting.

Xu Tian is the principal of Tian Capital LLC, an independent investment management firm based in Mountain View, CA. He holds a Series 65 designation and has 10 years of industry experience, having founded and managed Tian Capital since 2016. Tian Capital LLC is a fee-only firm that provides discretionary portfolio management primarily to individual and high-net-worth investors. The firm employs fundamentally driven, equity-focused strategies including value, growth, and event-driven approaches, and is noted for its use of leverage and derivative instruments within separately managed accounts.

Brandon Amaral is a CFP® professional with five years of experience in financial planning. He is the principal advisor at Amaral Financial Planning in San Jose, CA. Prior to founding his firm, he worked at Ballast Point Financial Planning, Wade Financial Advisory, and Ameriprise Financial Services. In addition to financial planning, he offers tax preparation, IRS representation, and limited notarization services. Amaral Financial Planning serves individuals, families, and trusts with fee-only financial planning and discretionary portfolio management. The firm focuses on long-term, passive investing based on Modern Portfolio Theory and provides tailored investment strategies through custodial platforms such as Betterment and Charles Schwab.

Brenda Friederich is a CFP®-certified financial advisor with 21 years of industry experience. She is the sole advisor at Abundit Wealth in San Jose, CA, and has worked previously with Mariner Independent Advisor Network and RNP Advisory Services. In addition to her advisory work, she is a licensed insurance agent in California and has been involved in insurance sales since 2003. Abundit Wealth provides financial planning, discretionary portfolio management, and wealth management services primarily to individual clients and pension or employee benefit plans. The firm constructs broadly diversified, long-term portfolios using institutional mutual funds and ETFs, employing a small- and value-tilt approach, and offers pension consulting and participant-level advice under ERISA.

Sa Lvatore Guardino is a CFP® with 13 years of experience in financial advising. He has been with The Guardino Financial Group since 2012 and is also associated with C2 Financial Corporation. Outside of his advisory work, he is involved as a mortgage broker and insurance agency producer. The Guardino Financial Group provides financial planning and advisory services to individuals and families, including high net worth clients, focusing on cash flow, retirement, tax, estate, and insurance needs. The firm recommends no-load or low-load mutual funds and ETFs, emphasizing long-term, buy-and-hold strategies with global diversification and low-cost passive funds, and operates on an hourly fee basis rather than a percentage of assets.

Xiuya Li is a financial advisor at Dao Trading & Advisory Inc. with three years of industry experience. Li holds Series 65 and Series 66 licenses and has worked as a software engineer at Cadence Design Systems, Inc. since 2002. Dao Trading & Advisory Inc. provides investment management, financial planning, and wealth management services to individuals, high-net-worth clients, families, charitable organizations, and business entities. The firm’s investment approach focuses on macroeconomic analysis and asset allocation, with discretionary account management and an emphasis on educational seminars and market trend training.

Lavina Nagar is a CFP® and Series 65-licensed financial advisor with 15 years of industry experience. She has been with Maya Advisors, Inc., an independent firm based in Menlo Park, CA, since 2008. Maya Advisors serves individual and high-net-worth clients as well as charitable organizations, offering investment and portfolio management, financial planning, and advisory services for donor-advised funds through Schwab Charitable. The firm’s investment approach emphasizes long-term fundamental analysis, utilizing low-cost diversified mutual funds and ETFs, and provides a notable client-managed program for self-directed investors.

Boris Suvorov is the sole advisor at Three Main Points LLC, an independent investment advisory firm based in Los Gatos, CA. He holds a Series 65 designation and has three years of experience in the industry. Prior to founding Three Main Points LLC, he operated a software outsourcing business under Bovas LLC. In addition to his advisory work, Suvorov continues to provide software engineering consulting outside of trading hours. Three Main Points LLC offers discretionary portfolio management and financial planning services to individuals and corporate clients, managing approximately $14.4 million in assets. The firm employs a tailored approach combining long- and short-term trading, option strategies, and AI-supported research, and features a notable international client base as well as performance-fee arrangements uncommon among similar independent advisors.

Chitra Staley is a CFA® charterholder and Series 65 licensee with 21 years of industry experience. She is the sole advisor at TPW Finance LLC, an independent registered investment adviser based in Mountain View, CA. Her prior experience includes roles at Tuscon ESG LLC and Beacon Pointe Advisors, LLC. TPW Finance LLC provides discretionary portfolio management and financial planning services to individuals, trusts, small businesses, and estates. The firm focuses on personalized portfolio management using fundamental, technical, and cyclical analysis across various asset classes, maintaining a small client base and requiring client authorization for discretionary trading.

Michael Hudick is a CFP® professional with 19 years of experience in financial planning, currently serving as principal of MiGH Financial Planner, LLC, an independent firm based in Los Gatos, CA. He has operated his sole proprietorship practice since 2007 and founded MiGH Financial Planner, LLC in 2016. MiGH Financial Planner provides investment management and financial planning services to individual investors, high-net-worth clients, and certain retirement plans. The firm employs a model portfolio approach focused on ETFs for equity exposure and a detailed fixed-income strategy, emphasizing buy-and-hold diversification and utilizing specialized screening tools for bond and closed-end fund selection.

We Yu Chou is a financial advisor at New Assets Investment Advisors LLC in Milpitas, CA, holding a Series 65 designation with 12 years of industry experience. He has been with New Assets Investment Advisors since its founding in 2013. New Assets Investment Advisors provides discretionary portfolio management and financial planning primarily for individual and high-net-worth clients, as well as charitable organizations and corporate/business clients. The firm emphasizes individualized multi-asset allocation, periodic portfolio rebalancing, and due diligence on real estate alternatives, while also offering educational seminars and Chinese-language outreach.