Mark Greenberg is a Certified Financial Planner® with 41 years of industry experience. He is a principal at Wealth & Tax Planners LLC, where he has worked since 2003, after prior roles at Mutual Securities, Inc. and Private Client Services. In addition to his advisory work, he is a licensed insurance agent specializing in life and long-term care insurance. Wealth & Tax Planners LLC serves individual and high-net-worth clients, small businesses, and retirement plans, managing approximately $75 million across about 250 clients. The firm employs a “scientific diversification” investment approach based on Modern Portfolio Theory, combining passive and active strategies with comprehensive financial planning and portfolio management.

Kyle Shealer is a financial advisor at QST Capital LLC with 18 years of industry experience. He holds a Series 66 designation and has worked at QST Capital since 2017. Prior to that, he was associated with Sanctuary Wealth Advisors LLC and SANCTUARY SECURITIES, llc from 2012 to 2016. QST Capital LLC provides discretionary portfolio management and advisory services to individual clients, retirement accounts, other advisers, and institutional clients. The firm uses a quantitatively driven investment approach combining systematic models with discretionary decisions, managing both pooled funds and separately managed accounts with strategies that include leveraged and inverse ETFs, fixed income, credit instruments, and derivatives.

Marc Roth is a financial advisor at Elmwood Wealth Management with 31 years of industry experience. He previously worked at Atlas Capital Advisors LLC for six years and JMR Capital Management, Inc. for 25 years. Elmwood Wealth Management is a fee-based, SEC-registered advisory firm serving individuals, trusts, estates, donor-advised funds, foundations, and retirement plans. The firm offers discretionary and non-discretionary portfolio management with a long-term, total-return investment philosophy through actively managed and Core ETF-based strategies, integrating financial planning and tax coordination.

Erick Ormsby is the sole advisor at Alcosta Capital Management, Inc. in San Ramon, CA, holding Series 63 and Series 65 licenses with 24 years of industry experience. He has been with Alcosta Capital Management since 2002. Alcosta Capital Management serves individual clients, trusts, and pension plans through discretionary portfolio management and limited financial planning. The firm employs a combination of quantitative and fundamental analysis to select U.S.-listed equities for diversified portfolios tailored to various risk profiles.

Roshan Weeramantry is a financial advisor at Hyphen Wealth Management with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Helium Advisors LLC, RINA Wealth Management Services LLC, and Strategic Capital Distributors. Outside of his advisory role, he is also an independent insurance agent. Hyphen Wealth Management serves individual clients, including high-net-worth households, and pension or profit-sharing plans by providing portfolio management, pension consulting, and financial planning. The firm employs a tailored investment approach based on fundamental, quantitative, and modern portfolio theory within a long-term framework, and offers access to a variety of investment types, including alternative and insurance products.

Salim Reshwan is a financial advisor at Auxi Asset Management, LLC with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Mutual Securities, Inc from 2012 to 2020 before continuing his tenure at Auxi Asset Management since 2005. Auxi Asset Management provides investment and portfolio management services to individuals, including high-net-worth clients, as well as corporations and institutions. The firm employs an active, multi-strategy approach across various asset classes and sectors, managing approximately $99.4 million for a diverse client base through discretionary and non-discretionary advisory services.

John Kim is a financial advisor at Giving Tree Wealth Advisors with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at LPL Financial and operated Kim Financial Advisors, Inc. as well as a sole proprietorship. Giving Tree Wealth Advisors is a two-advisor firm managing approximately $138 million for individuals, qualified retirement plans, and charitable institutions. The firm employs model-based asset allocations using institutional no-load mutual funds, low-cost ETFs, and third-party managers, providing discretionary portfolio management, financial planning, and ERISA 3(21) fiduciary services.

Holly Kindel is a CFP® professional with 22 years of industry experience, currently serving as an advisor at Prospettiva Financial since 2019. Her prior experience includes roles at Occidental Asset Management and Mosaic Financial Partners. She is also principal of Delphi Coaching, providing financial coaching outside of trading hours. Additionally, she serves as treasurer for Sage Financial Solutions, a nonprofit focused on training financial professionals to assist low-to-moderate income individuals. Prospettiva Financial serves individuals, trusts, estates, charitable organizations, and retirement plans, managing approximately $116 million in discretionary assets. The firm employs tailored portfolios primarily using mutual funds and ETFs, emphasizes regular account reviews, and provides specialized retirement-plan advisory services, including work with state and municipal government clients.

Benjamin Packard is a financial advisor at Lula Financial in Oakland, CA, holding a Series 65 credential with seven years of industry experience. He has been with Lula Financial since 2018 and has been self-employed since 2010. Outside of advising, he produces videos for non-profits, dedicating a small portion of his time to this activity. Lula Financial provides financial planning and portfolio management services to individual clients, including high-net-worth individuals. The firm emphasizes passive investment strategies using index funds and ETFs, and offers a fee model based on fixed, hourly, and subscription arrangements rather than asset-based fees.

Neel Patel is a financial advisor with OM Pacific Capital LLC in Walnut Creek, CA, holding Series 63 and Series 65 licenses and 20 years of industry experience. He has been with OM Pacific Capital since 2015. Outside of his advisory role, he serves as a board member of Whiterabbit.ai Inc., a healthcare company focused on early cancer detection using artificial intelligence, where he advises on strategic partnerships and financing. OM Pacific Capital primarily serves high-net-worth individuals and related entities, offering discretionary portfolio management, financial planning, and retirement plan consulting. The firm manages approximately $60 million for a limited client base and sponsors multiple private pooled investment vehicles, distinguishing itself through its integrated investment offerings and personalized client service.

Allyn Alves is a financial advisor with So LLC holding Series 65 and Series 66 credentials and one year of industry experience. Prior to joining Silver Oak, LLC, Allyn worked in various roles including at Primerica and Liberty Mutual. Outside of finance, Allyn is the founder and sole member of Boston Games LLC, a video game development company that has been inactive for several years. Silver Oak provides estate and trust planning, standalone financial consultations, and portfolio management for institutions, businesses, startups, families, and individuals. The firm employs technical, fundamental, and quantitative analyses, including AI-generated signals, to guide portfolio construction and management with a focus on trust-related services.

Michael Chapman is a financial advisor at Insight Capital Management with a Series 65 designation and experience starting in 2024. Prior to joining Insight Capital Management, he worked at Elm Acres Inc. and Acquivest Inc. Insight Capital Management is an SEC-registered advisory firm serving individual and high-net-worth clients, as well as trusts, foundations, and other entities. The firm manages approximately $330 million across about 374 client relationships and offers portfolio management, financial planning, and educational workshops, using a combination of fundamental and technical analysis tailored to clients’ goals and risk tolerance.

Gregory Smith is a financial advisor at Baer Investment Advisory LLC with three years of industry experience. He holds a Series 65 designation and has previously worked at Birch Run Capital Advisors, LP and Century Gorge, Inc. Baer Investment Advisory LLC provides discretionary portfolio management to individuals, high-net-worth clients, trusts, and corporations, creating customized Investment Policy Statements and implementing tailored model portfolios. The firm utilizes a blend of fundamental, technical, cyclical, and quantitative analysis within a modern portfolio theory framework, employing both long- and short-term trading along with derivative strategies.

Kelby Houston is a financial advisor at API Capital, LLC in Concord, CA, holding a Series 65 designation with one year of industry experience. He is also a partner and accountant at API Accounting, Tax & Advisory, Inc., a role he has held since 2014. API Capital, LLC provides portfolio management and financial planning services to individuals and high-net-worth clients, employing a diverse range of investment strategies and analytical methods. The firm integrates its affiliation with an accounting practice into its services while maintaining a small team structure.

Gary Downs is a Personal Financial Specialist (PFS™) with 28 years of industry experience. He has been with D & T Financial Advisors, Inc. since 2002 and is also a partner at Jackson, Downs & Tsuruda CPA's, where he provides accounting, tax, and financial consulting services. D & T Financial Advisors offers discretionary investment management and retirement plan advisory primarily for individuals, trusts, qualified retirement plans, charitable organizations, and businesses. The firm employs a diversified, low-turnover, passively managed investment approach based on Modern Portfolio Theory and maintains a close affiliation with an accounting practice through its licensed CPA principals.

Gerald Fegler is a financial advisor at Contango Wealth Management LLC with 14 years of industry experience. He holds the Series 63, Series 65, and Series 66 designations. Prior to joining Contango in 2025, he worked at Marin Wealth Advisors LLC for nine years and has additional experience with Zions Capital Advisors, Inc. and Allspring Funds Management, LLC. Contango Wealth Management serves individual and high-net-worth clients with discretionary portfolio management and financial planning services. The firm employs a combination of fundamental analysis, modern portfolio theory, and quantitative methods to develop investment strategies tailored to clients’ risk tolerance and time horizon.

Marc Vera is a CFP® professional with 20 years of experience in the financial services industry. He is currently with TerraFirma Wealth Partners and previously worked at Charles Schwab Bank and Fidelity. Outside of advising, he is involved in the ownership and management of a rental property in Santa Rosa, CA. TerraFirma Wealth Partners provides discretionary and non-discretionary portfolio management, wealth management, and financial planning to individuals and high-net-worth clients. The firm focuses on fundamental analysis and a long-term investment approach, utilizing diversified portfolios of low-cost mutual funds, ETFs, and individual equities.

Allan Yam is a CFP® with four years of industry experience, currently serving as an advisor at Paraiba Wealth Management LLC. He has been self-employed since 2008 and joined Paraiba Wealth Management in 2022. Paraiba Wealth Management provides asset management and financial planning services primarily to high net worth individuals and families. The firm utilizes customizable model portfolios and a mix of analytical methods to manage client accounts, offering both bundled ongoing financial planning and standalone planning engagements.

Richard Truong is a financial advisor at Benningfield Financial Advisors, LLC in San Francisco, CA, holding Series 63 and Series 65 licenses with six years of industry experience. He worked at Dragon Financial Group for five years before joining Benningfield Financial Advisors in 2019. Benningfield Financial Advisors provides integrated financial planning and discretionary investment management to high-net-worth individuals, families, pension, and charitable accounts. The firm employs a strategic asset allocation approach with globally diversified portfolios combining passive index and ETF holdings alongside select active managers.

Jerry Mosher is a CFP® professional with over 55 years of experience in the financial services industry. He has been associated with American Investors Company since 1975 and has held roles at several related firms throughout his career. In addition to his advisory work, Mosher is a licensed individual insurance agent. American Investors Company provides investment advisory, financial planning, 401(k) advisory, and asset supervisory services to a diverse client base, including individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm combines advisory and brokerage activities through a multi-advisor structure, offering both fee-based and commission-based services.