Stephen Chen is a Series 65-licensed financial advisor with eight years of industry experience. He is currently affiliated with Boldin Advisors and has held roles at Newretirement Advisors, LLC since 2018 and Newretirement, Inc. since 2004. Chen serves as CEO of NewRetirement, Inc., an educational website focused on retirement planning. Boldin Advisors offers financial planning and consulting services to individuals, trusts, estates, and small businesses, emphasizing a fiduciary approach with investment strategies based on Modern Portfolio Theory and low-cost indexed funds. The firm provides planning through written reports and fixed or hourly engagements without managing client assets directly.

Samaya Patel is a financial advisor at Blume Capital Management, Inc. with a Series 65 credential and one year of industry experience. Prior to joining Blume Capital, she worked at Cisco Systems and has academic experience from the University of California, Berkeley. Blume Capital Management provides discretionary investment management and financial planning services to individuals, trusts, estates, pension plans, charitable foundations, and private investment funds. The firm emphasizes long-term investing with a value-oriented equity allocation and broad diversification, using mutual funds, ETFs, and alternative investments for qualified clients.

Peter Reidenbach is a financial advisor at Blume Capital Management, Inc. in Berkeley, CA, with 14 years of industry experience. He holds a Series 65 credential and has been with Blume Capital Management since 2011. Blume Capital Management provides discretionary investment management and financial planning services to individuals, trusts, estates, pension and profit-sharing plans, charitable foundations, and private investment funds. The firm emphasizes long-term investing with a value-oriented equity allocation and broad diversification, utilizing mutual funds, ETFs, and alternative investments for qualified clients.

Henry Luong is a financial advisor at CSP Financial Group LLC with 13 years of industry experience. He holds a Series 65 designation and has worked at CSP Financial Group since 2021, alongside operating as a sole proprietor. Luong has also been a patent examiner at the United States Patent and Trademark Office since 2010. CSP Financial Group provides discretionary asset management, financial planning, and retirement-plan services to individuals, high-net-worth clients, and business entities. The firm emphasizes portfolio construction and monitoring based on Modern Portfolio Theory and employs third-party managers such as Matson Money to implement model allocations.

Kyle Daniels is a financial advisor at Stonebridge Financial Group with eight years of industry experience. He holds the Series 66 designation and previously worked at Equitable Advisors and Axa Advisors. Outside of his advisory role, Daniels serves as a board member for the Autism Society San Francisco Bay Area and acts as a co-trustee for his brother’s special needs trust. Stonebridge Financial Group serves individuals, families, business owners, and employer plan sponsors with discretionary wealth management, financial consulting, and retirement plan advisory services. The firm combines quantitative and qualitative analysis with various investment strategies to manage portfolios across multiple asset classes.

Declan Lynch is a CFP® affiliated with Assembly Wealth in Mill Valley, CA, with two years of industry experience. Prior to his current role, he worked across various sectors including architecture and environmental technology. He also served in escort and safety services at Brandeis University for several years. Assembly Wealth is a team-based SEC-registered investment adviser managing approximately $336.7 million as of year-end 2025. The firm offers discretionary portfolio management, financial planning, and third-party manager services to a diverse client base, utilizing individualized investment policies and a combination of in-house and third-party strategies.

Edward Smith is a financial advisor at Caldwell Sutter Capital, Inc. with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Caldwell Sutter Capital since 2018. Caldwell Sutter Capital primarily serves high-net-worth individuals, families, and related entities, as well as corporate and municipal clients. The firm employs a bottom-up, fundamental value investment approach with a long-term, buy-and-hold orientation, managing approximately $606 million across customized portfolio management and financial planning strategies.

Lincoln Wells is a financial advisor at Tamalpais Asset Management with 4 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Mount Tamalpais Asset Management, LLC since 2021 and DLT Systems LLC since 2012. Tamalpais Asset Management manages approximately $262.5 million for around 261 client relationships, primarily serving high-net-worth households and accredited investors. The firm provides portfolio management and financial planning using written Investment Policy Statements and typically favors passive core exposures combined with fundamental, cyclical, and quantitative analysis.

Mark Bertoli is a CFP® with 38 years of industry experience and is currently with Castle Rock Wealth Management, LLC in Walnut Creek, CA. He has worked at Private Client Services, First Allied Securities, and Cetera Advisor Networks. Outside of his advisory role, he mentors at a fintech start-up, Your Capital Inc. Castle Rock Wealth Management provides investment advisory, financial planning, and retirement plan consulting to individuals, trusts, estates, and business entities. The firm manages over $500 million for nearly 1,900 clients through a team of eight advisors and employs a combination of fundamental and technical analysis alongside active trading strategies.

Trevor Scotto is a CFP® and holds a Series 65 license with nine years of industry experience. He is currently with Fiduciary Financial Group, LLC, where he has worked since 2016 in various capacities. His prior experience includes roles at East Bay CDFA, LLC, and Munc & Cooper CPAs LLP, as well as work as a real estate agent and Certified Divorce Financial Analyst (CDFA). Fiduciary Financial Group is a fee-based advisory firm managing over $1 billion for individuals, high-net-worth households, and retirement plan sponsors. The firm utilizes a research-driven approach combining fundamental, technical, and cyclical analysis, employing ETFs, mutual funds, stocks, closed-end funds, and options strategies tailored to client objectives, while integrating ongoing financial planning and tax advisory.

Beth Verdekal is a financial advisor at O'Donnell Financial Services, LLC, holding Series 65 and Series 66 licenses. She has been with O'Donnell Financial Services since 2022 and has prior experience at the Environmental Defense Fund and Corporate Visions. Outside of her advisory role, she is involved with Own It Economics, an independent venture active since 2016. O'Donnell Financial Services, LLC provides wrap asset management, financial planning, and retirement plan consulting to individuals, pension and profit-sharing plans, trusts, and business entities. The firm offers a range of investment strategies tailored to client goals and risk tolerance, including discretionary and non-discretionary mandates and sub-advisory services.

Gary Thomas is a CFP® with 41 years of industry experience. He is currently with Turner Financial Group, Inc., where he has worked since 2023, and previously held roles at CLARAPHI Advisory Network, Resource Investment Architects, and Investment Architects. In addition to his advisory work, Thomas engages in independent insurance sales on a limited basis. Turner Financial Group serves individuals, families, high-net-worth clients, and charitable organizations through an eight-adviser team managing approximately $230 million in assets. The firm offers comprehensive financial planning, discretionary asset management using multi-approach model portfolios, sub-advisory services, and employer-sponsored retirement plan reviews.

Bryce Brown is a financial advisor at Penserra Wealth Management with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Perigon Wealth Management and Burleson & Company. He also serves as a commander in the California Army National Guard, where he is involved in personnel and equipment management as well as engineering projects. Penserra Wealth Management is an SEC-registered adviser that offers discretionary portfolio management, pension consulting, and financial planning. The firm uses a range of analytical approaches and investment strategies, serving clients with approximately $15 million in discretionary assets under management.

Scott Gemmer is a CFA® charterholder with 10 years of industry experience. He is affiliated with Gemmer Asset Management LLC, a firm he has been associated with since 1993. Gemmer Asset Management provides discretionary portfolio management for individuals, trusts, retirement plans, and small businesses, managing over $2.3 billion across approximately 1,270 clients. The firm emphasizes asset allocation and long-term holdings, primarily using no-load mutual funds and ETFs, and incorporates a Social Strategy that limits fossil fuel exposure. Gemmer operates as a 100% employee-owned firm and collaborates with Personal Financial Advisors and unaffiliated sub-advisors.

Jon Goshay is a financial advisor at Caldwell Sutter Capital, Inc. with two years of industry experience. He holds a Series 66 designation and has previously worked at firms including Cetera Investment Services LLC and Foresters Financial Services, Inc. Outside of financial advising, he composes and produces music under a label. Caldwell Sutter Capital serves primarily high-net-worth individuals, their families, corporations, and municipal clients. The firm offers portfolio management and financial planning with a focus on customized equity and fixed-income portfolios constructed through a bottom-up, fundamental value approach emphasizing long-term, buy-and-hold investing.

Cory Degraaf is a financial advisor at Dixon Financial Services with a Series 65 designation and two years of industry experience. He has worked at Dixon Financial Services since 2023 and has prior experience with Buckingham Strategic Partners/Loring Ward, Lyft, and Home Goods. Dixon Financial Services serves individuals, trustees, charitable organizations, business owners, and corporations by providing personalized investment advisory services focused on strategic asset allocation and ongoing portfolio management. The firm manages over $1 billion in assets with a team of five advisors and uses a disciplined approach involving Modern Portfolio Theory, Dimensional Fund Advisors funds, and financial simulation programs to support client planning and reporting.

Kim Berger is a financial advisor at North Berkeley Wealth Management, LLC with a Series 65 designation and three years of industry experience. Prior to joining the firm, Kim worked for ten years at Grifols Diagnostics. Outside of financial advising, Kim serves as Secretary for pHionics, Inc., a company that manufactures and sells water equipment. North Berkeley Wealth Management serves a diverse client base including individuals, high-net-worth clients, retirement plans, trusts, estates, charitable organizations, and business entities. The firm manages approximately $710.6 million in assets, offering comprehensive financial planning and investment management with a focus on long-term, total-return portfolios that blend passive and active strategies and include options for ESG and carbon-screened investments.

Nickolas Bowers is a financial advisor at Liberty Wealth Management, LLC in Oakland, CA. He holds a Series 65 designation and has one year of industry experience. Prior to joining Liberty Wealth Management, he worked at New York Life Insurance Company. Liberty Wealth Management serves individuals, trusts, estates, retirement plans, corporations, and other entities, offering investment management, financial planning, and employee-benefit plan services among others. The firm employs a combination of centrally developed models and advisor-developed strategies, utilizing quantitative and fundamental analysis to construct diversified portfolios that include mutual funds, ETFs, fixed income, real estate, and private market investments.

Gabriel Burczyk is a financial advisor at Assembly Wealth in Mill Valley, CA, holding Series 63 and Series 65 licenses with 40 years of industry experience. He has been with WrapManager since 2000. Outside of his advisory work, he is a general partner of NVBG, LLC, involved in property management activities. Assembly Wealth is an SEC-registered advisory team managing approximately $336.7 million as of 12/31/2025, serving individuals, high-net-worth clients, and institutional accounts. The firm offers discretionary portfolio management, financial planning, and third-party manager services, utilizing a variety of investment strategies and operating a wrap fee program combined with access to third-party manager options.

Russell Silvestri is a financial advisor with Atlas Capital Advisors Inc. in San Francisco, CA, holding a Series 63 designation and 25 years of industry experience. He has worked at Arcadia Securities, LLC and is the managing partner of Boyden, an executive search firm in Sausalito, CA. Atlas Capital Advisors is an independent investment adviser serving individuals, families, family offices, pension plans, trusts, foundations, and institutions with discretionary wealth management, financial planning, and tax-aware portfolio management. The firm uses a combination of fundamental, technical, and quantitative analysis and employs various instruments including options and futures in separately managed accounts tailored to clients’ needs.