Luke Hass is a financial advisor at Concentric with one year of industry experience. He holds a Series 65 designation and previously worked at Canterbury Consulting and California Pizza Kitchen. Concentric primarily serves other registered investment advisers and financial institutions as a sub-adviser and overlay manager, while also managing accounts for individual and high-net-worth clients. The firm uses a combination of quantitative and qualitative portfolio construction techniques and offers customized implementation tools, including tax-loss harvesting, direct indexing, and ESG overlays.

Luis Robles is a CFP® professional with 12 years of industry experience, currently with The Mather Group, LLC since 2025. His prior experience includes roles at Charles Schwab, Bancwest Investment Services, Bank of the West, and Wells Fargo in various capacities from 2012 to 2025. The Mather Group primarily serves high-net-worth individuals, family offices, trusts, corporations, and other entities by offering integrated financial planning, investment management, tax and estate planning, and family office services. The firm employs an evidence-based investment approach with customizable portfolio solutions and utilizes AI and machine-learning tools alongside human oversight in its client services.

Stuart Arakelian is a financial advisor at The Wealth Consulting Group with 36 years of industry experience. He holds a Series 65 credential and has worked previously at LPL Financial and Mariner Independent Advisor Network. The Wealth Consulting Group is an SEC-registered wealth management firm serving individual clients, corporate clients, retirement plans, and trusts. The firm employs a combination of active and passive investment strategies, model portfolios, and algorithmic advisory services, offering tailored investment approaches supported by legal and implementation resources.

John Chang is a financial advisor at BlueSpring Wealth Management, LLC with 13 years of industry experience. He holds the Series 65 and Series 66 licenses and previously worked at Kestra Financial Inc., Capital Planning Advisors LLC, Bedell Frazier Investment Counselling, LLC, and Morgan Stanley. BlueSpring Wealth Management serves individuals, business owners, trusts and estates, and pension and profit-sharing plans, offering a range of investment management and financial planning services. The firm employs a customized investment process overseen by an Investment Committee and provides access to independent managers and private placement opportunities for accredited investors.

Geoffrey Zimmerman is a Certified Financial Planner (CFP®) with 28 years of industry experience. He has worked at Integrated Advisors Network LLC since 2018 and previously spent 11 years at Mosaic Financial Partners, Inc. He holds Series 63 and Series 66 licenses. Integrated Advisors Network is an SEC-registered multi-team investment adviser that serves individuals, high-net-worth clients, trusts, estates, retirement and employee benefit plans, and corporate entities. The firm offers portfolio management, financial planning, and related consulting, employing a variety of investment approaches and frequently uses third-party sub-adviser platforms to implement client plans.

Kathleen Fereday is a financial advisor at Prosperity Wealth Management, Inc. with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Prosperity Wealth Management since 2020. Prior to that, she was associated with Fortune Financial Services, Inc. and has provided independent recruiting services to financial advisors through Advisor Consulting since 2017. Prosperity Wealth Management serves individual and high-net-worth clients, as well as trusts, estates, and pension/profit-sharing plans, offering asset management, financial planning, and consulting. The firm manages approximately $442 million for about 1,600 clients and emphasizes tailored portfolio supervision with quarterly reviews, employing multiple methods of analysis and conducting due diligence on third-party managers.

Bryan Lee is a financial advisor at Concentric with five years of industry experience. He holds a Series 65 designation and previously worked at Advisor Partners, LLC for four years. Concentric provides discretionary sub-advisory portfolio management and model portfolio construction primarily to other registered investment advisers and financial institutions, using quantitative portfolio-optimization software combined with qualitative oversight to customize accounts. The firm’s services include tax-loss harvesting, ESG overlays, and specialized strategies such as leveraged long/short tax-aware approaches, and it is known for servicing a high volume of clients through sub-advisory relationships.

John Mooser is a financial advisor with BlueSpring Wealth Management, LLC, holding a Series 65 credential and no prior industry experience. His professional background includes roles at Kestra Financial Inc., Capital Planning Advisors LLC, Bedell Frazier Investment Counselling, and other firms. Vector serves individuals, business owners, trusts and estates, and pension and profit-sharing plans by providing investment management, financial planning, and retirement plan consulting. The firm’s customized investment approach incorporates a proprietary application and offers specialized strategies, targeting primarily higher-net-worth and institutional clients.

Lalith Tirumalasetty is a financial advisor at BlueSpring Wealth Management, LLC with a Series 65 designation. He has prior experience at Kestra Financial Inc., Bedell Frazier, and Lexus of Fremont, as well as a decade of experience in education. Vector serves individuals, business owners, trusts, estates, and retirement plans, offering investment management, financial planning, and consulting. The firm’s investment process uses a customized policy approach supported by its proprietary Sojourn™ application and provides specialized strategies including option overlays and hedging for concentrated positions.

Bonnie Bakalar is a financial advisor at Sepio Capital, LP with 27 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Merrill from 2005 to 2017 before joining Sepio Capital in 2017. Sepio Capital primarily serves high-net-worth individuals, families, trusts, estates, and institutional clients, offering discretionary portfolio management, financial planning, retirement plan advisory, and sub-advisory services. The firm employs a combination of proprietary strategies and allocations to independent managers, using fundamental analysis with a generally long-term orientation while allowing for shorter-term trading to meet client needs.

Nikolaus Kazarian is a financial advisor with The Wealth Consulting Group in San Ramon, CA, holding the Series 66 designation and two years of industry experience. His prior experience includes roles at Mariner Independent and LPL Financial LLC, as well as a background in marketing at Pereira and O'dell and Swirl Mcgarry Bowen. The Wealth Consulting Group is an SEC-registered firm serving individual, corporate, retirement plan, and trust clients through discretionary portfolio management, financial planning, and consulting. The firm employs a combination of fundamental, technical, macroeconomic, and quantitative analysis to tailor strategies across active and passive investments, model portfolios, and algorithm-driven offerings, supported by legal and implementation resources and partnerships with major custodial platforms.

Eric Smith is a CFP® professional at Mission Wealth Management, LP with six years of industry experience. He previously worked at Fisher Investments for three years before joining Mission Wealth Management. Mission Wealth Management is a multi-team SEC-registered advisory firm serving affluent individuals, families, and institutional clients with personalized wealth management, financial planning, and portfolio management. The firm employs customized, long-term strategies across a broad range of investment types and offers specialized services including insurance placement and retirement plan consulting.

Nicholas Gizzarelli is a financial advisor at Earned Wealth Advisors, LLC with 14 years of industry experience. He holds a Series 65 designation and previously worked at Capital Performance Advisors LLP d/b/a Thomas Doll and Oriole Advisors, LLC. Earned Wealth Advisors serves individual and institutional clients, specializing in physicians, dentists, and their practice employees, providing comprehensive financial planning, wealth management, and retirement plan consulting. The firm utilizes independent investment managers and model portfolios, with ongoing monitoring and access to alternative investment strategies, supported by a suite of affiliated businesses and educational resources.

Jia Xu is a financial advisor at Concentric with four years of industry experience. They hold a Series 65 designation and previously worked at Advisor Partners, LLC from 2016 to 2022 before joining Concentric. Concentric primarily serves other registered investment advisers and financial institutions as a sub-adviser and overlay manager, while also managing accounts directly for individual and high-net-worth clients. The firm uses a combination of quantitative and qualitative portfolio construction techniques and offers customized implementation tools, including tax-loss harvesting, direct indexing, and ESG overlays.

Navjeet Chahal is a financial advisor with Earned Wealth Advisors, LLC and holds experience dating back to 2007 through prior roles at Chahal & Associates Inc. and Chahal & Associates LLC. He is also involved as a member in several business entities related to commercial real estate and hospitality. Earned Wealth Advisors serves individuals, high-net-worth clients, trusts, and employer-sponsored retirement plans, with a focus on doctors, dentists, and their practices. The firm employs a diversified, buy-and-hold investment approach supported by third-party consultants and an internal investment committee, offering financial planning, discretionary wealth management, and specialized retirement-plan advisory services.

Kathleen Kovar is a financial advisor at Cetera Planning Partners with 23 years of industry experience. She holds the PFS™ and Series 66 credentials and has an extensive background including roles at Avantax and 1st Global Advisors. Outside of her advisory work, she owns a small hobby vineyard where she produces wine for family and friends and occasionally sells excess grapes. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, comprehensive financial planning, and specialized services such as Social Security optimization and tax planning. The firm’s investment approach emphasizes diversified allocations aligned with client objectives and risk tolerance, supported by integration into the larger Cetera network and a range of affiliated resources.

Daniel Torres is a financial advisor with Eagle Strategies (NY Life) based in Brentwood, CA. He holds Series 65 and Series 63 licenses and has 16 years of industry experience. He has been affiliated with New York Life Insurance Company and its subsidiaries since 2009 and operates his own firm, Daniel P. Torres Financial & Insurance Services, which brokers non-registered insurance products. He also serves as president of the Edna Hill Middle School Parents Club board. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisors. The firm offers tailored advice and solutions across multiple program types, managing a substantial portion of assets on a non-discretionary basis and working closely with institutional sponsors within an integrated New York Life affiliate structure.

Damien Couture is a CFP® and ChFC® with 34 years of experience in the financial services industry. He is currently with Wealth Enhancement Advisory Services, LLC, where he has worked since 2021. His prior experience includes roles at LPL Financial, Walnut Creek Wealth Management, Cetera Advisor Networks LLC, and Jbc Financial Group, Inc. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a wide range of clients, including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm offers financial planning, asset management, and specialized consulting, employing a strategic investment approach that combines passive and active management across multiple asset classes.

Brian Westcoat is a CFP® professional with 27 years of experience in the financial services industry. He is affiliated with Sanctuary Advisors, LLC and has worked at both Bank of America and Merrill Lynch for over 17 and 20 years, respectively. Outside of his advisory work, he serves as president of the 1874 Bonanza condominium homeowner association in Walnut Creek, managing meetings and financial budgeting. Sanctuary Advisors, LLC provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, pension plans, and charitable organizations. The firm supports a network of more than 400 independent advisors who deliver tailored portfolio management and consulting services using a variety of analytical approaches and account structures.

Andrew Beck is a Series 66 licensed financial advisor with seven years of industry experience. He has worked at Mercer Global Advisors Inc. since 2019 and previously held roles at Patamar Capital and First Republic Investment Management. Mercer Global Advisors provides investment advisory and related planning services to a diverse client base, including individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm employs a globally diversified, risk-appropriate investment approach grounded in Modern Portfolio Theory, utilizing low-cost index vehicles and multi-factor tilts, with both discretionary and non-discretionary portfolio management options.