Elena Gorskaya is a CFA® charterholder with six years of industry experience. She is currently an advisor at Concentric, where she has worked since 2022. Her prior experience includes roles at Advisor Partners, LLC and Echelon Asset Management. Concentric provides discretionary sub‑advisory portfolio management and model portfolio construction primarily to other registered investment advisers and financial institutions, utilizing quantitative optimization and multi‑factor risk models alongside qualitative oversight. The firm’s services emphasize specialized strategies and technological integration, including AI and tax‑aware approaches, with a business model centered on sub‑advisory relationships rather than direct retail clients.

Brian Frack is a CFP®-certified financial advisor with 11 years of experience, currently with United Capital Financial Advisors in Larkspur, CA. He has served as a trustee for a nonprofit special needs trust, a minister conducting occasional speaking engagements and ceremonies, and treasurer for the US Naval Academy Alumni Association. United Capital Financial Advisors provides financial planning and investment management services nationally to a diverse client base, including individuals, corporations, retirement plans, and charitable organizations, utilizing discretionary portfolio management and customized investment strategies.

Gary Watts is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Coppell Advisory Solutions LLC. His prior experience includes roles at Wealth Enhancement Group, LPL Financial, JP Morgan Securities, and Anderson CPAs. He also operates Watts Advisor Tax Planning, where he provides insurance products and tax planning services. Coppell Advisory Solutions LLC is part of Fusion Investment Advisors, which manages discretionary portfolios and financial planning for a diverse client base including individuals, pension plan participants, and charitable organizations. The firm employs an open-architecture platform using both fundamental and technical analysis and offers a broad range of investment strategies with continuous monitoring and periodic rebalancing.

Huilian Zhang is a financial advisor at Symphony Financial, Ltd. Co. with one year of industry experience. Prior to joining Symphony Financial, Zhang worked for ten years at Juniper Networks and has also been involved with MKI Marketing. Symphony Financial provides discretionary investment management, financial planning, and consulting services to individuals, trusts, estates, charitable organizations, and business entities. The firm employs a long-term investment approach that incorporates fundamental and technical analysis and offers tailored portfolios with continuous monitoring.

Nitu Kumar is a financial advisor at Earned Wealth Advisors, LLC with one year of industry experience. He also serves as a senior tax preparer at Chahal & Associates LLC, an accounting firm where he has worked since 2015. 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 provides financial planning, discretionary wealth management, and retirement-plan advisory services, employing a diversified, buy-and-hold investment approach informed by third-party consultants and an internal committee.

Quinton Mcdermott is a financial advisor at Destination Wealth Management in Walnut Creek, CA, with 7 years of industry experience. He holds the CFP®, ChFC®, and Series 65 credentials. His prior experience includes roles at Intellectus Partners, LLC, SPG Advisors LLC, and Penn Mutual Life Insurance Company. Destination Wealth Management offers discretionary investment management and financial planning services to individuals, high-net-worth clients, and various institutional entities. The firm employs a core-and-tactical allocation approach informed by fundamental research and macroeconomic analysis, managing over $4.1 billion in discretionary assets.

Malia Salas Russell is a CFP® and holds a Series 65 license with six years of industry experience. She has worked at Destination Wealth Management since 2025 and previously spent six years at Mraz, Amerine & Associates, Inc. Outside of her advisory roles, her background includes experience in the brewing and process cooling industries. Destination Wealth Management serves a diverse client base, including individuals, high-net-worth clients, retirement plans, trusts, and business entities. The firm offers discretionary investment management and financial planning, using model portfolios that combine equities, fixed income, ETFs, alternative investments, and other strategies, supported by an Investment Policy Committee and third-party oversight of alternative investments.

Miguel Delgado is a CFP® with 11 years of industry experience and is currently with Legacy Wealth Management, LLC. His prior roles include positions at Lion Street Advisors, Ameritas Life Insurance Corp, and David White & Associates. Legacy Wealth Management is a multi-advisor firm serving individuals, charitable organizations, and business entities with discretionary portfolio management and financial planning. The firm offers tailored strategies, continuous account monitoring, and access to a broad range of investment options through a multi-team platform.

Xiuhua Xu is a CFP® professional with 12 years of industry experience, currently serving as an advisor at Destination Wealth Management. Prior to joining Destination Wealth Management, Xu worked at Baker Avenue Asset Management LP and held positions at Bank of America, N.A. and Merrill. Destination Wealth Management serves a diverse client base, including individuals, high-net-worth clients, and business entities, providing discretionary investment management and financial planning. The firm’s investment approach centers on asset allocation and model portfolios that integrate equities, fixed income, ETFs, alternative investments, and sub-advisers, with a focus on third-party managed alternatives subject to committee oversight and ongoing review.

Lindy Moss is a financial advisor at Concentric with a Series 65 credential and one year of industry experience. Her prior work includes roles at AdvisorAssist, Staples Inc., and Babson College. 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 such as tax-loss harvesting and ESG overlays.

David O’Day is a financial advisor at Empirical Wealth Management with Series 63 and Series 65 credentials. He has previously worked at Sageview Advisory Group, Morling Financial Advisors, Live Oak Bank, and Credit Suisse. O’Day began his career after completing his education at UNC Wilmington. Empirical Wealth Management serves individuals, trusts, estates, charitable organizations, and retirement plans with fee-based discretionary and non-discretionary investment management, financial planning, and related services. The firm employs a diversified investment approach grounded in Modern Portfolio Theory and operates several affiliated businesses across real estate, insurance, and legal services.

Malena Yatim is a financial advisor at Destination Wealth Management with seven years of industry experience. She holds Series 63 and Series 65 licenses and has been with Destination Wealth Management since 2016. Destination Wealth Management serves a diverse client base, including individuals, high-net-worth clients, retirement plans, trusts, estates, and charitable organizations. The firm offers discretionary investment management and financial planning, utilizing a range of model portfolios that incorporate equities, fixed income, ETFs, alternative investments, and other strategies, with ongoing committee review of alternative investments.

Dylan Sage is a financial advisor at Belpointe Asset Management LLC with 14 years of industry experience. He holds a Series 65 designation and previously worked at Baldwin Wealth Partners, LLC for 18 years. Outside of his advisory role, he serves on the investment committee of Neighborhood House, a nonprofit organization, and sits on the board of directors for Sage Minerals Inc., a family-held company in the process of winding down. Belpointe Asset Management serves a diverse client base including individual investors, retirement plans, corporations, and other advisers. The firm offers discretionary investment management, financial planning, and retirement plan consulting, utilizing customized portfolios that combine passive, active, tactical, and blended strategies tailored to client objectives and risk tolerance.

Kevin Bartel is a financial advisor with The Strategic Financial Alliance, Inc. in Larkspur, CA, holding a Series 66 designation and 14 years of industry experience. He has worked with the firm since 2014 and is also the owner and sole proprietor of Larkspur Financial Advisors, Inc., a financial planning and asset management DBA. The Strategic Financial Alliance provides advisory services to individuals, retirement plans, trusts, and other entities, offering portfolio management, financial planning, and consulting through both in-house management and third-party manager platforms. The firm serves a diverse client base including high-net-worth individuals and operates multiple portfolio programs with a focus on non-discretionary asset management.

Stacy Chretien is a CFP® certificant with 29 years of experience in financial advising. She is currently with Destination Wealth Management and has previously worked at Capasso Planning Partners, Insight Wealth Strategies, and Charles Schwab, where she spent over two decades. Destination Wealth Management serves individuals, high-net-worth clients, pension and profit-sharing plans, trusts, estates, charitable organizations, and businesses. The firm employs a core-and-tactical allocation investment approach based on thematic research and macroeconomic analysis, managing discretionary portfolios that may include equities, fixed income, ETFs, options, and private securities.

Yisha Wang is a CFP® with eight years of industry experience, currently serving as a financial advisor at Empirical Wealth Management. Prior to joining Empirical in 2024, she worked at Mariner Wealth Advisors and Northwestern Mutual Wealth Management Company. Outside of finance, she is an instructor at LDS Studio, where she leads classes focused on mobility and flexibility exercises. Empirical Wealth Management serves a diverse client base including individuals, trusts, estates, and institutional investors. The firm employs a Modern Portfolio Theory-based approach with diversified portfolios, and offers a range of financial planning, investment management, and affiliated real estate, insurance, and legal services.

David Harlow is a financial advisor at Earned Wealth Advisors, LLC in Walnut Creek, CA, holding the PFS™ designation and Series 65 license with 20 years of industry experience. He previously worked at Capital Performance Advisors LLP and is involved with TWD Payroll, Inc. and Thomas, Doll & Company, CPAs. 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 provides financial planning, discretionary wealth management, and retirement-plan advisory services, employing a diversified, buy-and-hold investment approach informed by third-party consultants and an internal committee.

Sunita Pathak is a financial advisor at Earned Wealth Advisors, LLC with one year of experience in the industry. She has worked as a senior tax accountant at Chahal & Associates LLC since 2009. 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 investment approach using independent managers and model portfolios, supported by financial planning techniques and discretionary management.

Mark Foster Sr. is an investment advisor representative at NWF Advisory Services Inc. with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Principal Securities Inc. and MBFS Inc. Foster also owns and operates Mark Foster Insurance Services, which sells and services group health insurance. NWF Advisory Services manages approximately $6.4 billion in client assets, serving primarily individual and high-net-worth clients. The firm offers portfolio management and financial planning through a technology-driven platform that employs open architecture and a variety of program options tailored to client objectives.

Steven Wight is a ChFC® credentialed financial advisor with 13 years of industry experience. He is affiliated with M Holdings Securities, Inc. and has worked with TCS Insurance Agency since 2013. Outside of his advisory work, he owns Grain Goods, a business specializing in handmade custom leather and wood products. M Holdings Securities, Inc. is an SEC-registered investment adviser and FINRA member broker-dealer serving individual clients, corporate and business clients, retirement plans, and other entities through a nationwide network of Investment Advisor Representatives and independently operated Member Firms. The firm offers a range of advisory services including investment management, retirement plan consulting, financial planning, sub-advisory services, and insurance-contract advisory services.