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 with nine years of industry experience. He previously worked at Portsmouth Financial Investment Advisory and has been involved in real estate and self-employment for over two decades. Birnberg operates a tax planning and preparation business, Deduction Detectives, and holds real estate and insurance licenses. Empowering Financial provides discretionary and non-discretionary investment management and financial planning services to individuals, small business owners, trustees, and fiduciaries. The firm employs a tailored investment approach combining fundamental, quantitative, qualitative, and cyclical analysis, and offers tax planning and IRS representation through its related tax business.

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.

Aaron Baker is a financial advisor with Baker & Associates Registered Investment Advisors, LLC in San Leandro, CA. He holds Series 63 and Series 65 licenses and has 18 years of industry experience, including roles at DeVry Education Group and his own advisory firm. His professional activities include insurance sales and business consulting alongside financial advising. Baker & Associates Registered Investment Advisors, LLC provides portfolio management and investment advisory services primarily on a non-discretionary basis to a small number of individual clients. The firm combines traditional portfolio management with private placements, insurance brokerage, other financial product sales, and educational seminars.

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.

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.

Ziming Huang is a Series 65-licensed financial advisor at MJ Capital Management LLC with one year of industry experience. Prior to founding his firm, he worked at American Express and Acquco, and held roles in academia at Columbia University and UCLA. MJ Capital Management LLC is a fee-only registered investment adviser providing discretionary investment management and individualized planning to individuals, high-net-worth clients, charitable organizations, and businesses. The firm employs a multi-disciplinary investment process combining fundamental and technical analysis with Modern Portfolio Theory, integrating both passive and active strategies alongside a proprietary quantitative algorithmic trading approach focused on liquid U.S. equities and options.

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.

Allyson Saldana is the principal of AMS Capital Management LLC, an independent registered investment adviser based in San Mateo, CA. She holds Series 63 and Series 65 licenses and has 26 years of industry experience. Since 2007, she has also worked as a licensed insurance agent offering life, health, and disability fixed insurance products. AMS Capital Management LLC serves approximately 55 clients, including individuals, high-net-worth clients, trusts, estates, and retirement plan sponsors and participants. The firm provides investment supervisory services, financial planning, retirement plan consulting, and distributes a monthly newsletter, employing fundamental analysis and primarily non-discretionary portfolio oversight.

Donald Wong is the sole advisor at AVEC LLC, an independent firm based in San Francisco. He holds a Series 65 designation and has five years of experience as a financial advisor, following over two decades in consulting and three years at Pacific Gas and Electric Company. AVEC LLC provides fee-only wealth management services to individuals, high-net-worth families, trusts, donor-advised funds, and business entities. The firm employs a customized, unconstrained investment approach with a focus on long-term, risk-aware portfolios implemented through a variety of investment vehicles, and offers comprehensive financial planning and family-office services under a single asset-based advisory fee.

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.

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.

Caxton Rhodes is the sole advisor at Rhodes Consulting Group LLC, an independent firm based in Orinda, CA. He holds a Series 65 designation and has 15 years of industry experience. Since founding Rhodes Consulting Group in 2006, he has focused on providing personalized investment counseling and portfolio management. Rhodes Consulting Group LLC is a fee-only investment adviser serving individuals, trusts, accredited investors, as well as pension and profit-sharing plans, charitable organizations, and corporations. The firm employs a client-oriented, long-term, global investment approach that combines fundamental and technical analysis to build diversified portfolios emphasizing cost efficiency and tax considerations.

Simranjot Bachal is a CFP® and CFA® with one year of experience as an investment advisor. He is the principal of Circuit Wealth LLC, which he founded in 2025, and previously worked at KPMG and Woodson Wealth Management. In addition to his advisory work, he provides tax accounting services through his separate business, 5AB Inc DBA TaxSquad. Circuit Wealth LLC offers wealth management and comprehensive financial planning services to individual and high-net-worth clients, utilizing both discretionary and non-discretionary portfolio management. The firm’s investment approach incorporates fundamental, technical, and cyclical analysis and combines passive and active strategies tailored to clients’ goals, risk tolerance, and tax considerations.