Quincy Hall is a CFP® professional with 14 years of industry experience. He is the sole advisor at Hall Financial Services, Inc., where he has worked since 2018. Prior to founding his firm, he held roles at Cetera Advisor Networks and Mass Mutual Investors Services. Hall also teaches financial planning concepts as a lecturer at The College of Marin Community Education and authors educational materials under his Advice Only trademark. Hall Financial Services, Inc. provides personalized financial planning and advisory services primarily to individual and high-net-worth clients. The firm offers Advice‑Only™ planning engagements that are structurally separated from asset management, recommending third-party investment managers when ongoing portfolio management is desired.

Mark Lovett is a financial advisor at Tourmaline Capital Management LLC with 15 years of industry experience. He has worked at Tourmaline Capital since 2011 and previously spent 12 years at UCSF. He holds a Series 65 designation. Tourmaline Capital Management LLC provides investment advisory services primarily to individual clients, managing approximately a dozen relationships with $3.5 million in assets. The firm offers discretionary portfolio management and non-discretionary hourly advice, constructing portfolios tailored to client risk tolerance and investment goals using equities, ETFs, and money-market instruments.

Cheng Su is a financial advisor at Whiteswan Trading Corporation with six years of industry experience. He holds a Series 65 designation and previously worked at Hubei University of Economics and Zhongnan University of Economics and Law. Whiteswan Trading provides investment advisory services, financial planning, and hourly consultations to individual and business clients. The firm’s approach emphasizes value investing and strategic asset allocation, using fundamental, technical, and charting analysis to tailor portfolios primarily involving exchange-listed securities, ETFs, equities, and options.

Greg Deforest is the sole advisor at GD Investment Advisers LLC in San Francisco, holding a Series 65 designation with 11 years of industry experience. He has managed his independent firm since 2014. GD Investment Advisers LLC provides discretionary investment advice and portfolio management for individuals, small businesses, and institutional clients. The firm employs fundamental analysis to pursue absolute returns over a 3–5 year horizon with a concentrated portfolio primarily focused on U.S. equities and options, and it incorporates active use of derivatives, leverage, and performance-based fees in its separately managed accounts.

Jason Roth is a financial advisor at Centoic with two years of industry experience. He holds a Series 65 designation and has prior work history spanning seven years at StackFlip LLC and seventeen years at LogicEase Solutions Inc. Centoic provides advisory services focused on education savings for individual investors through a technology-driven platform that offers subscription-based access to online educational materials, planning tools, and portfolio guidance, complemented by optional hourly financial-planning consultations. The firm emphasizes passive asset management using automated analysis and delivers advice without holding client assets.

Jake Birnberg is a financial advisor at Empowering Financial in Berkeley, CA, with 10 years of industry experience. He holds a Series 65 designation and has previously worked at Portsmouth Financial Investment Advisory. In addition to his advisory role, Birnberg operates Deduction Detectives, a tax planning, preparation, and representation business, and holds active licenses as a real estate and insurance agent. Empowering Financial provides ongoing investment management and financial planning services to individuals, small business owners, trustees, and fiduciaries. The firm uses a diversified investment approach and offers personalized Investment Policy Statements, combining fundamental, quantitative, and tactical asset-allocation analysis with hands-on oversight that integrates investment, tax, insurance, and real estate matters.

Herb Meiberger is a CFA® charterholder and principal of Gator Investment Advisors, LLC, with 11 years of industry experience. Prior to founding his independent firm in 2022, he worked at Berkeley Investment Advisors for eight years and held long-term academic positions at San Francisco State University and Hult International Business School. He also served on the San Francisco Retirement Board for 25 years. Gator Investment Advisors provides discretionary asset management to individual and high-net-worth clients, tailoring investment programs to each client’s goals and risk tolerance using fundamental and cyclical analysis. The firm maintains a small client base and operates with a designated custodian, Charles Schwab.

Stephen Miles is a financial advisor at Sutro Advisors with 24 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Charles Schwab Bank and Charles Schwab & Co., Inc. for 13 years before joining Sutro Advisors in 2018. Sutro Advisors provides tailored investment management and financial planning to individuals, high-net-worth clients, and businesses. The firm primarily uses passive portfolios with index mutual funds and ETFs, complemented by fundamental, technical, and cyclical analysis, and also offers portfolio management for corporate and institutional clients.

Stephen De Luchi is the sole advisor at De Luchi Investment Management in Alameda, CA, holding Series 63 and Series 65 licenses with five years of industry experience. He has been self-employed as a consultant since 1992 and has operated his investment management firm since 1996. De Luchi Investment Management provides ongoing investment supervisory services to a primarily individual clientele as well as pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm emphasizes fundamental analysis of economic value and growth potential, supplemented by technical analysis, and employs a range of strategies including long- and short-term positions, short sales, margin transactions, and option writing.

Daryl Wong is the sole advisor at Tula Investment Group LLC in Oakland, CA, holding a Series 65 credential with 13 years of industry experience. He has been with Tula Investment Group since its founding in 2013. Tula Investment Group LLC provides discretionary investment management and financial advisory services to individual and high-net-worth clients. The firm emphasizes a value-oriented, small-cap, and contrarian equity approach, complemented by opportunistic, event-driven research, and employs performance-based compensation for eligible investors.

Much like you don't wait to join a gym until you're healthy, you shouldn't wait to work with a financial planner until you're wealthy. Unfortunately, the financial industry historically only wants to work with clients who have -insert any seven-digit-minimum amount of assets-. The good news is there are now plenty of financial planners who will gladly work with clients regardless of how much they have already saved. I am one of those planners. ;) I've been a financial planner for over a decade now, and I've worked lots of different clients from all walks of life. I've come to learn that sticking to the basics and keeping things simple is the best approach when helping clients develop a financial plan. My role is to help guide you on your path to financial freedom. New clients start with a financial plan. This is where we talk about your goals, time horizon, and all the numbers. We’ll review different scenarios so you can see what’s possible. By the end of the initial plan, you should be up and running, moving in the general direction of your goals. From there, we move to ongoing financial planning in which we meet semi-annually to monitor your plan and make adjustments when needed.

Jeffrey Yoakum is a CFP® professional with 23 years of industry experience. He is the sole advisor at Yoakum Wealth Management in South San Francisco, CA. His prior experience includes roles at Pacific Wealth Advisors, LLC and LPL Financial, LLC. Yoakum Wealth Management provides comprehensive financial planning and discretionary portfolio management primarily to individual clients, including high-net-worth households, and small businesses. The firm employs a Core + Satellite investment approach combining indexed core holdings with actively managed satellite positions and offers additional services such as business and divorce consultation and educational workshops.

John Dowling is a CFA® charterholder and principal advisor at JFD Capital, LLC, with nine years of industry experience. He previously worked at Fairview Capital and the Golub Group (now Summitry) before founding his current independent advisory firm. JFD Capital is a small independent registered investment adviser that provides ongoing, tailored portfolio management primarily to high-net-worth individuals. The firm employs a bottom-up, fundamental research approach focusing on undervalued equities and fixed-income securities, offering discretionary management and performance-based fee arrangements to qualified clients.

Tyler Ribera is the sole advisor at RIBERA Investment Management, LLC, an independent firm based in Alameda, CA. He holds a Series 63 designation and has 26 years of industry experience, having led his firm since 1999. RIBERA Investment Management, LLC provides discretionary portfolio management and investment advice to individuals, trusts, estates, and charitable organizations. The firm employs a diversified asset-allocation approach focused on risk control and primarily uses no-load and load-waived mutual funds, ETFs, and other securities, with accounts generally managed on a discretionary basis.

Donald Wong Jr. is a Series 65-licensed financial advisor with six years of industry experience, currently affiliated with AVEC LLC. His prior work includes roles at AIRE Advisors, LLC and Pacific Gas and Electric Company, as well as operating his own consulting business for over two decades. Based in San Francisco, he serves clients through an independent advisory firm. AVEC LLC provides wealth management, investment management, and comprehensive financial planning services primarily to high-net-worth individuals, families, and related entities. The firm focuses on customized investment policies, strategic asset allocation, and long-term, selective investment strategies that incorporate ESG considerations and tax implications.

Matthew Stebnicki is a CFP® professional with six years of experience at Stebnicki Financial Planning, an independent firm he founded in 2020. Prior to that, he worked in software and consulting roles and spent time in full-time education. Based in San Francisco, he provides financial planning and investment management services. Stebnicki Financial Planning offers fee-only financial planning and discretionary investment management tailored to individuals and small businesses. The firm emphasizes customized investment plans considering client goals, risk tolerance, and macroeconomic trends, serving a very small client base to maintain concentrated advisor-to-client relationships.

Edi Alvarez is a CFP® with 19 years of industry experience, currently serving as the sole advisor at AIKAPA since 2014. He is also the CEO of Dual Enterprises, a publishing business he founded in 1990 that produces niche books for smaller audiences. AIKAPA provides comprehensive wealth and financial planning services to individuals, families, trusts, and small businesses, with a client base that includes executives and business owners. The firm emphasizes financial plans as the foundation of its investment advice and offers both managed and guided planning models, incorporating diversified portfolios and ongoing education through seminars and a published blog.

Robert Harden is a financial advisor with Silicon Valley Capital Management in San Francisco, CA, holding a Series 63 designation and over 30 years of industry experience. He has been with Silicon Valley Capital Management since 1995. Silicon Valley Capital Management provides comprehensive securities investment management for individuals, families, trusts, and small companies. The firm employs a top-down, macro-driven investment approach focused on secular trends and offers services including portfolio management, tax and financial planning coordination, and specialized programs such as 10b5 plan administration and 529 college funding.

Claudia Fitch is the principal of Fitch Financial Advisors LLC in San Francisco, where she has provided financial advisory services for 23 years. She holds the CFP® designation and Series 63 license. In addition to her advisory work, she manages a tax preparation and representation business. Fitch Financial Advisors LLC offers financial planning, investment planning, and portfolio management services alongside tax preparation and representation for individuals and related entities. The firm provides both finite financial planning projects and ongoing engagements, employing an active, medium-to-long-term investment approach primarily using managed vehicles such as mutual funds and ETFs.

Jeffrey Milewski is a financial advisor at Moat Capital in San Francisco, holding a Series 65 credential with two years of industry experience. He serves as CEO of a financial technology company focused on stablecoins and teaches online courses at Creighton University’s Heider College of Business. Milewski’s prior experience includes roles at Goss & Associates and the Glo Development Foundation. Moat Capital provides discretionary investment management and advisory services to individuals, high-net-worth clients, trusts, estates, and businesses. The firm uses fundamental analysis to develop customized portfolios primarily composed of exchange-traded funds, individual stocks, bonds, and options, emphasizing ongoing client communication and tax-aware portfolio management.