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.

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.

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 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.

Edi Alvarez is a CFP® and holds a Series 65 license with 18 years of experience in financial advising. He has led AIKAPA since 2014 and has been involved with Dual Enterprises since 1990, where he serves as CEO of a publishing business that produces niche books for smaller audiences. AIKAPA serves individuals, families, trusts, non-profits, corporations, and small businesses, often working with executives and business owners. The firm provides comprehensive wealth and financial planning, portfolio management, and retirement plan analysis, offering both managed and guided planning models that use diversified mutual funds and ETFs.

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.

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.

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 with Moat Capital and holds a Series 65 designation. He has one year of industry experience and has held prior roles including CEO of Stable Coin Inc. and instructor at Creighton University’s Heider College of Business. He currently teaches online courses and leads operations at a financial technology company focused on stablecoin development. Moat Capital is a state-registered investment adviser providing discretionary investment management and advisory services to individuals, high-net-worth clients, trusts, estates, and businesses. The firm uses fundamental analysis with a long-term investment approach, primarily employing exchange-traded funds alongside individual securities, options, and cash positions to align portfolios with client objectives and risk tolerances.

Kimun Lee is the sole advisor at Lee, Kimun with six years of industry experience. He has extensive prior experience dating back to 1980 under the business name Resources Consolidated. Lee serves as a director or trustee on multiple investment fund boards, including Firsthand Technology Value Fund and FundX Investment Trust. Lee, Kimun is an independent firm providing discretionary portfolio management to approximately 55 clients with about $38 million in assets under management. The firm employs a fundamental analysis investment process with discretionary authority over trading and broker selection, offering a broad range of investment instruments and accommodating a variety of client types.

Laura Chernov is a CFP® professional with 19 years of industry experience. She is the founder of Balanced Financial Advisors and has previously worked at WealthSource Partners, Goldman Sachs PFM, and United Capital. She also serves as a Managing Director and investment adviser representative at Wealth Source. Balanced Financial Advisors provides portfolio management and financial planning for individual and high-net-worth clients, using model allocations based on Modern Portfolio Theory. The firm typically manages accounts on a discretionary basis and advises clients on a range of investment types, including ETFs, REITs, annuities, and private placements.

Kathleen Hentges is the principal and managing member of Applied Advisor, an independent firm based in San Francisco. She holds the CFP® designation and Series 65 license, with 22 years of industry experience. Since 2009, she has operated Applied Advisor, providing financial planning and tax preparation services. In addition to advisory work, Ms. Hentges offers tax preparation services as a registered tax preparer. Applied Advisor provides fee-only, project-based financial planning and tax preparation to individuals and families with invested assets up to $5 million. The firm serves primarily pre-retired, salaried professionals and employs a buy-and-hold investment approach using no-load mutual funds and ETFs, delivering advice on an hourly or project basis without ongoing portfolio management or AUM fees.