Michael Testa is a Series 65 licensed financial advisor at Naylor & Company with one year of industry experience. His prior roles include positions at QuinStreet, Scale AI/Outlier AI, and Rocket Mortgage. Naylor & Company provides investment advice, portfolio management, and financial planning to individuals, high-net-worth clients, families, pension and profit-sharing plans, and businesses. The firm’s investment approach combines fundamental analysis and technical indicators, with a focus on small- and mid-capitalization and cyclical companies, tailoring portfolios to client objectives across various asset types.

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.

Denise Doley is a financial advisor at Guardian Investment Management with 12 years at the firm and a total of 7 years in the industry. She holds Series 65 and Series 66 designations. Her prior experience includes roles at California Mortgage Advisors and Credit Suisse Securities (USA) LLC. Guardian Investment Management serves primarily individual and high-net-worth clients, as well as trusts, charitable foundations, retirement plans, estates, and corporations. The firm employs a conservative, long-term investment approach focused on capital preservation and inflation protection, using fundamental analysis and a core equity strategy centered on large, G7-domiciled companies.

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.

Giani Kurniawan is a financial advisor at Global Key Advisors with a Series 65 credential and four years of industry experience. Prior to joining Global Key Advisors, Giani worked at Global Insight Advisors and held various roles related to education and entrepreneurship. Global Key Advisors provides financial planning and investment management services to individuals, corporations, trusts, foundations, and family offices, primarily through separately managed accounts branded InsideTrack®. The firm uses statistically driven, multivariate analysis of unconventional data sources and proprietary tools to manage concentrated, long-only portfolios, generally avoiding macro market timing and direct cryptocurrency holdings.

Nihal Muzumdar is a financial advisor at Rubric Advisors LLC with seven years of industry experience. He holds a Series 65 designation and has a longstanding career at Adaptive Frontier Investments LLC and Intel Corporation. Rubric Advisors LLC is a small advisory firm managing approximately $28.4 million in assets for about 16 clients. The firm offers discretionary and non-discretionary asset management, financial planning, ERISA plan advisory, OCIO mandates, model portfolio licensing, and sub-advisory services. Its investment process integrates quantitative and fundamental analysis with modern portfolio theory, employing ETFs, equities, options strategies, and alternative investments for qualified clients.

How Ling Khong is a financial advisor at Capstan LLC with 27 years of industry experience. She has been with Capstan since 1998. Outside of her advisory role, Ms. Khong works as a bookkeeper for Apicultura Capstan TIC, an investment property in Santa Barbara. Capstan LLC provides discretionary, separately managed portfolio management to high-net-worth individuals and businesses, offering tailored portfolios with global exposures across various asset classes. The firm employs a blend of fundamental and macroeconomic analysis, with a focus on individualized service for a small client base.

Scott Arwin is a CFA® charterholder with 32 years of industry experience. He is the sole advisor at Ring Mountain Capital, LLC, where he has worked since 2017. Prior to founding Ring Mountain Capital, he spent 20 years at UBS Financial Services Inc. and briefly worked at Northwest Asset Management. Ring Mountain Capital provides investment management and financial planning services to individuals, trusts, corporations, pension plans, and institutional clients. The firm manages approximately $185.7 million and employs a tailored approach focusing on U.S. and non-U.S. equities and fixed income, using ETFs and mutual funds as appropriate.

Adrianne Yamaki is a CFP® with 21 years of experience in financial services. She is currently with Strategic Wealth Capital and has previously worked at Sanctuary Wealth and Morgan Stanley in various roles. Outside of her advisory work, she serves as an officer and director for Impart Wealth/Impart Digital Media and is a council member for the Bay Area chapter of Common Sense Media, a nonprofit focused on media and technology choices for children and families. Strategic Wealth Capital provides financial planning, portfolio management, and investment consulting to individuals, including high-net-worth clients, as well as institutional and corporate clients. The firm employs a range of strategies across multiple asset classes and offers services on both discretionary and non-discretionary bases.

Marla Landa is a financial advisor at Nomad Financial with a Series 65 credential and no prior industry experience. Before entering the financial advisory field, she worked at Asana and Yelp and has been involved with multiple finance-related firms since 2024. She maintains roles at EncorEstate Plans and Plan Forward Finance alongside her work at Nomad Financial. Nomad Financial is a fee-only private wealth management firm serving individual and high-net-worth clients. The firm focuses on tailored asset-allocation models and primarily passive investment strategies, with an emphasis on tax efficiency and integrated financial planning services.

Nicholas Bell is a financial advisor with Dunvegan Associates Inc. in Oakland, CA. He holds a Series 65 designation and has two years of industry experience. He has been with Dunvegan Associates since 2010. Dunvegan Associates is an independent registered investment adviser that provides discretionary portfolio and wealth management services to individual clients, including high-net-worth individuals and trusts. The firm uses a research-driven approach combining fundamental and technical analysis, emphasizing balance-sheet strength and dividend yield in equity selection, and considers duration and after-tax yield in fixed-income choices.

John Lee is a financial advisor at Alvarado Management Company with 17 years of industry experience. He has been affiliated with Tallac Corporation since 1985. Alvarado Management Company provides portfolio management services primarily to individual clients, using standard investment analysis and periodic account reviews. The firm employs a hands-on approach with discretionary management and has a unique fee structure that includes performance-based fees despite its small client base.

Michael Sall is a Series 65-licensed financial advisor with three years of industry experience. He has worked at Warbler Advisory, Inc. since 2023 and has been involved with Warbler Labs Inc. since 2020. His prior experience includes roles at Coinbase, Inc. and several other companies. Heron Finance offers internet-based investment advisory services to U.S. accredited investors and registered investment advisors through a single online platform. The firm uses an algorithmic approach to construct personalized private market portfolios, allocating across various strategies and asset classes such as private credit, private equity, infrastructure, and real estate.

Guillermo Amoretty is a financial advisor at Amoretti Capital Management with four years of industry experience. He holds a Series 65 designation and has previously worked at Block Advisors and operated as a self-employed consultant. In addition to his advisory work, he is a principal and tax advisor at Amoretti Advisors, a CPA and tax practice. Amoretti Capital Management provides portfolio management, financial planning, and retirement plan services to individuals, high-net-worth clients, and small business plan sponsors. The firm employs a model-driven investment approach that combines active and passive strategies, and it offers integrated tax and planning services through its affiliation with a CPA practice.

Judith Webster is a financial advisor at DT Investments I LLC with 22 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at DT Investments LLC since 2019 and Cypress Wealth Advisors since 2016. Webster also acts as a solicitor for Cypress Wealth Advisors under a referral agreement. DT Investments I LLC provides portfolio management and investment supervisory services to a select group of clients, including individuals, high-net-worth clients, corporations, charitable organizations, and trusts. The firm uses a variety of analytical methods and trading strategies, offering both discretionary and non-discretionary management with regular reviews and performance-based fee arrangements for qualified clients.

Daniel Fitzpatrick is a financial advisor at Elevate Capital Management, L.L.C. in San Francisco, CA, holding Series 63 and Series 65 licenses with eight years of industry experience. He is also a licensed attorney and the owner of Pacific Pathways Real Estate Inc., a real estate brokerage. Fitzpatrick practiced law from 2011 to 2017. Elevate Capital Management provides portfolio management and investment planning services to individual and high-net-worth clients. The firm employs a variety of analytical techniques and generally follows a long-term trading approach, managing assets across multiple investment types with tailored allocations that incorporate client-imposed restrictions.