Nicholas Fullerton is a CFP® professional with 17 years of industry experience, operating Fullerton Advisors, LLC since 2008. The firm is an independent advisory practice based in Alamo, CA. Fullerton Advisors serves individuals, trusts, estates, charitable organizations, pension and profit-sharing plans, and corporate entities. The firm provides discretionary and non-discretionary portfolio management, modular financial planning, and pension consulting, using diversified asset-allocation portfolios built primarily with ETFs and mutual funds guided by fundamental and cyclical analysis.

Kerri Kimball is a CFP® professional with 19 years of experience in the financial services industry. She is the managing partner and co-owner of Apogee Wealth Advisors, an independent firm she established in 2026. Prior to founding Apogee Wealth Advisors, she worked at Commonwealth Financial Network and Cambridge Investment Research Advisors. Kimball is also a co-author of the book *Redefining Success for Female Entrepreneurs*. Apogee Wealth Advisors provides discretionary asset management, financial planning, and retirement-plan consulting primarily to individuals and high-net-worth clients. The firm employs a combination of fundamental and technical analysis and uses both long- and short-term investment strategies, with portfolio management services delivered through third-party platforms and bundled programs.

Jitesh Shah is a financial advisor at Avaari Financial with 15 years of industry experience. He holds a Series 65 designation and has worked as an engineer at IDT since 1999. Outside of advising, he maintains his engineering role, which is unrelated to his investment activities. Avaari Financial is an independent, fee-only advisory firm that serves medium- to high-net-worth individuals and some institutional clients through comprehensive financial planning and portfolio management. The firm employs a long-term, disciplined investment approach emphasizing diversified asset allocation, fundamental analysis, and tax minimization.

Kristy Jiayi Xu is a CERTIFIED FINANCIAL PLANNER™ and the founder of Global Wealth Harbor, a fee-only registered investment advisor in the San Francisco Bay Area. She provides financial planning and investment management for clients who are building or preserving wealth. She specializes in working with tech professionals, Chinese immigrants who moved to the U.S. for school, work, or business, and business owners. Kristy also holds the Certified Exit Planning Advisor (CEPA) designation for helping business owners plan for an exit and analyzing what it means for their personal finances. Kristy was born in China and is a native Mandarin speaker. She moved to the U.S. during high school attended a boarding school in Pennsylvania. She earned her bachelor’s degree from New York University Stern School of Business and worked at Raymond James and The Stanich Group analyzing securities and developing investment portfolios for clients. Kristy then realized she wanted to be a financial advisor and meet the clients she was building portfolios for and help them directly with their investments and financial plans. So, Kristy earned an MBA degree at Carnegie Mellon University, Tepper School of Business,, where she met her husband who was pursuing a PhD in Physics and they moved to the bay area after graduation. Kristy got to know a number of tech professionals from Carnegie Mellon University and became their go-to person when they have investment questions because of Kristy's in-depth analysis approach when answering their questions. This is when Kristy made up her mind to start her own company to help those who are great at their work, but need help from a trusted financial professional for their personal finance. Today, Kristy works with clients from a wider range of backgrounds and helps them navigate more varied and complex financial situations, but has kept her promise of delivering in-depth analysis and providing customized services to each of her clients. In her spare time, Kristy enjoys sharing her financial planning knowledge, so you will see her sharing thoughts on New York Times, Bloomberg, Yahoo Finance, Investor Business Daily, Wealth Management, etc. Outside of work, Kristy enjoys spending time outdoors with her daughter.

Kevin Hummel is the sole advisor at Run Free Capital LLC, a state-registered investment adviser based in San Ramon, CA. He holds a Series 65 designation and has been involved in financial services since 2025. His background includes work as an options trader and financial engineer, an MBA, and a brief period in clinical nursing. Outside of advising, he operates a sole proprietorship managing real estate rental properties. Run Free Capital LLC provides financial planning and discretionary investment management services to individual clients. The firm employs a long-term, research-based investment approach combined with fundamental, technical, and cyclical analysis, and offers portfolio management across various asset classes including mutual funds, ETFs, equities, bonds, and REITs.

Sarah Huang is a CFP® professional with 31 years of experience in the financial services industry. She is the owner and sole advisor at New Spring Financial Planning, LLC, an independent firm she has operated since 2012. Prior to founding New Spring, she worked at Purshe Kaplan Sterling Investments for 11 years. New Spring Financial Planning provides financial planning, investment management, and consulting services to individual investors, high net worth clients, trusts, estates, retirement plans, and business entities. The firm emphasizes customized, non-discretionary portfolio management with a disciplined, conservative, long-term approach based on client objectives and risk tolerance.

Tanay Shah is the sole advisor at BayLeaf Financial Services and holds a Series 65 credential. He has been with BayLeaf Financial Services since 2026 and has 14 years of experience at Apple Inc. BayLeaf Financial Services provides portfolio management and financial planning to individual and high-net-worth clients, focusing on discretionary account management guided by customized Investment Policy Statements. The firm employs a range of analytical methods and strategies, including long- and short-term approaches, and may use advanced techniques such as options trading and short sales.

Arvind Chopra is a financial advisor at Sagepointe Advisors LLC with nine years of industry experience. He holds a Series 65 designation and concurrently works as a Senior Principal Engineer at Cadence Design Systems. Sagepointe Advisors serves individual, high-net-worth, and business clients, providing discretionary portfolio management tailored to client objectives and risk profiles. The firm employs a variety of analytical methods and trading strategies, including the use of sophisticated instruments such as futures and structured notes, and it is notable for its work with corporate clients in addition to individual investors.

Jerry Nightingale is the sole advisor at Nightingale Financial Advisory in Fremont, CA, holding Series 63 and Series 65 licenses with eight years of industry experience. He has been with Nightingale Financial Advisory since 2000. The firm provides discretionary investment management to individual clients and nonprofit organizations, managing approximately $36.8 million in assets. Its investment approach focuses on capital preservation and disciplined risk management, employing qualitative and quantitative filters with a contrarian tilt that allows for concentrated industry positions while maintaining diversification and fixed-income allocations.

James Koch is the principal advisor at Koch Capital Management LLC, an independent firm based in Alamo, CA. He holds a Series 65 designation and has 17 years of industry experience. Koch also operates the Informed Household financial-education platform. Koch Capital Management LLC provides investment management and retirement-planning services to individuals, families, and trusts. The firm uses a structured retirement planning approach, offering discretionary portfolios and a fixed-fee retirement program, with a focus on active risk management techniques and integrated client collaboration tools.

Robert Regan is the principal of Regan Financial Group, LLC in Danville, CA, holding Series 63 and Series 65 licenses with 32 years of industry experience. He has led Regan Financial Group since 2016. Outside of his advisory work, Regan serves on the St. Mary's College Alumni Board and acts as an insurance agent specializing in life, disability income, long-term care, and property and casualty insurance. Regan Financial Group provides investment management and financial planning services primarily to individual clients, as well as trust, estate, and retirement-plan clients. The firm employs an academic, factor-based investment approach grounded in Modern Portfolio Theory and the Fama-French model, constructing broadly diversified portfolios and generally managing assets on a non-discretionary basis.

I’m Gitanjali Kumar, CFP®, founder of Worthique, a fee only financial planning firm serving women and their families in the San Francisco Bay Area and virtually across the United States. I bring more than 20 years of experience in financial services. I began my career on financial planning teams at Merrill Lynch and Lincoln Financial, where I helped develop financial plans, support the hiring and development of planners, and evaluate financial planning technology. I later spent more than a decade leading the development of financial planning and digital wealth platforms at Fiserv, U.S. Bank, and fintech firms. I founded Worthique to provide a thoughtful, judgment free space where women can talk openly about money and take greater ownership of their financial lives. I work with women who already lead their household’s financial decisions, as well as those stepping into that role for the first time. My clients often include professionals building and managing wealth, women navigating equity compensation, and those preparing for or living in retirement. As an immigrant, I also understand the experience of building financial confidence within a new and unfamiliar financial system. My approach combines empathy, technical expertise, and a modern planning experience designed to make financial planning feel clear, practical, and even a little less overwhelming. Together, we connect the dots across investments, taxes, equity compensation, retirement income, Social Security, healthcare, insurance, cash flow, and estate planning. The goal is not simply to organize the numbers. It is to turn them into a plan that helps you move forward with greater confidence.

Qian Wang is the sole advisor at JW Golden Gate Investment, LLC, an independent investment advisory firm, with 29 years of industry experience. He has previously worked at LPL Financial, Banc of America Investment Services, Quick & Reilly, and Merrill. In addition to his advisory role, he works as a software programmer and provides health assistance through IHSS. JW Golden Gate Investment, LLC offers portfolio management services primarily to individuals and high-net-worth clients. The firm employs a combination of charting, cyclical, fundamental, and technical analysis to manage discretionary accounts on a long-term basis, focusing on mutual funds, equities, and ETFs.

Michael Mccoy is a financial advisor at Arden Wealth Management with 22 years of industry experience. He holds a Series 66 designation and worked previously at Lincoln Financial Securities Corporation for seven years. He is also a licensed insurance agent offering disability insurance, fixed/indexed annuities, and life insurance products. Arden Wealth Management provides portfolio management and financial planning services primarily to individual clients. The firm employs a long-term trading approach using various analysis methods and typically implements portfolios with mutual funds, ETFs, fixed income, and annuity products.

Yash Patil is a CFA charterholder and securities licensed advisor with five years of industry experience. He is the principal of AGenTech Equities, LLC and previously worked at City National Rochdale and Northern Trust. AGenTech Equities provides discretionary portfolio management primarily for high-net-worth individuals, focusing on U.S. exchange-listed equities and related options strategies. The firm combines top-down thematic research with bottom-up fundamental and technical analysis to manage concentrated, options-driven portfolios on a discretionary basis.

Huayu Tsu is the sole advisor at Huayu Tsu Investment Management in Dublin, CA, holding a Series 66 designation with 10 years of industry experience. Prior to founding his firm in 2016, he worked at Lockheed Martin. He is also the general partner of Buffalo Real Estate Investments LP, overseeing its real estate investment holdings. Huayu Tsu Investment Management serves select individuals and families, including business owners, professionals, executives, and retirees, through discretionary portfolio management focused on asset allocation using cost-efficient, value-oriented ETFs. The firm is notable for its significant non-U.S. client base and reliance on electronic custodial reporting to support cross-border servicing.

Huy Trieu is a CFP® and Series 66-registered financial advisor with 22 years of industry experience. He is the sole advisor at Key Focus Wealth LLC, where he has worked since 2020. Prior to that, he spent seven years at Bellwether Capital Management LLC. Key Focus Wealth LLC provides discretionary asset management, financial planning, and consulting services to individuals, high-net-worth clients, trusts, estates, corporations, and charitable organizations. The firm also offers ERISA plan services for qualified retirement plans, tailoring investment programs using fundamental and technical analysis along with both long- and short-term strategies.

As a Certified Financial Planner, I have worked with many clients from all walks of life in helping them with their financial journey. Many clients come to me for a more clearer picture of what their current financial journey looks like and what options they have to fulfill their financial goals as they walk through their journey. At Saaga Wealth Planning, we know that every client's journey is unique, and therefore, to better help them, we understand it takes time, dedication, and attention to details. With the understanding that not every client is looking for the same level and type of service. Saaga Wealth Planning offers tailored services to meet most any client's needs. We offer various service models from Comprehensive Financial Planning to Modular Financial Planning. Based on the client's needs, we offer one-time planning as well as ongoing planning on a retainer basis. We truly believe that comprehensive financial planning should go hand-in hand with portfolio management. Our portfolio management services include free financial planning. We focus on tax-efficient and cost friendly investments that align with our clients' risk tolerance and financial goals. We serve clients at various stages of their financial journey, from pre-retirees to retirees. If clarity and confidence is what you are looking for in your financial journey, then Saaga Wealth Planning is dedicated to helping you get there.

Sunil Chowdary Vemulapalli is a CFA charterholder based in Pleasanton, CA, with over a decade of experience in investment management across multiple firms including Sensato Investors and Trunk Road Capital. He currently manages Golkonda Investment Advisors and holds a concurrent position at Agora Indexing Technologies LLC. Golkonda Investment Advisors provides fee-only, per-engagement financial planning and non-discretionary investment advice to individual clients, including high-net-worth individuals, families, and trusts. The firm emphasizes diversified, long-term portfolios using low-cost ETFs and index funds, delivering recommendations through written reports without trading authority or ongoing portfolio monitoring.

Rishi Gosalia is the sole advisor at SF Value Capital, LLC, an independent firm based in Pleasanton, California. He holds the Series 65 designation and has seven years of industry experience. In addition to managing SF Value Capital, he has been employed at Google, Inc. since 2013. SF Value Capital provides discretionary portfolio management primarily to individuals, small businesses, trusts, estates, and IRAs, managing approximately $17.25 million across around 31 client accounts. The firm employs a concentrated, value-oriented equity investment approach focused on undervalued companies with long-term growth prospects, typically working with clients who have a ten-year or longer investment horizon.