Gerald Butrimovitz is a CFP® with 41 years of industry experience, currently operating Gerald Butrimovitz Wealth Advisory in San Francisco, CA. He has worked with LPL Financial since 2009 and established his independent advisory firm in 2012. He serves as trustee for a family trust. Gerald Butrimovitz Wealth Advisory provides comprehensive financial planning and counseling to individuals, families, trusts, estates, business owners, and retirement plans. The firm offers non-discretionary advice through a documented planning process, including retirement, estate, tax, and protection planning, typically billed hourly with an option for fixed-fee ongoing service.

Timothy Heller is the sole advisor at Compass Rose Advisors, Inc., based in San Francisco, CA, with 32 years of industry experience. He has been with Compass Rose Advisors since 1993. Compass Rose Advisors provides discretionary investment management primarily to individual clients, including high-net-worth individuals, as well as trusts and institutional accounts. The firm focuses on concentrated, long-term equity portfolios guided by independent fundamental analysis, managing accounts within client-specified guidelines and offering weekly reviews and annual performance letters.

Edward Pollak Jr. is the principal of EE Fund Management, LLC, an independent firm based in San Francisco, CA, with 22 years of industry experience. He holds Series 63 and Series 65 designations and has worked as a senior game industry analyst for Jon Peddie Research since 2006. EE Fund Management provides portfolio management for individuals and trusts, focusing on the video game industry through a sector-specific investment partnership closed to new investors. The firm employs a long-term, low-turnover, buy-and-hold approach with a technology tilt and utilizes multi-tiered research, including a proprietary video game tech index that is rebalanced semiannually.

John Rutledge is a CFP® and CFA® with 16 years of industry experience. He is the sole advisor at Phoundational LLC, an independent firm he has led since 2019. Prior to founding Phoundational, he worked for 11 years at Fairview Capital Investment Management. Phoundational provides investment consulting and financial planning services to individuals, high-net-worth clients, charitable organizations, foundations, endowments, corporations, and other businesses. The firm employs a liability-driven investing philosophy and typically recommends passive, index-based mutual funds and ETFs, operating on a fee-only basis without managing client assets directly.

Richard Sun is a financial advisor at alphaAI Capital Management in San Francisco, holding Series 63 and Series 65 licenses with four years of industry experience. He has worked at Barclays since 2014. alphaAI Capital Management is an independent firm providing discretionary investment management to individuals, high-net-worth clients, corporations, and business entities primarily through an interactive digital platform. The firm employs quantitative and systematic methods combined with fundamental and technical analysis to construct and monitor portfolios, often investing in exchange-listed equities and ETFs while utilizing algorithmic decision-making and a technology-driven approach.

Amporn Leininger is the sole advisor at Summit Financial Services in San Francisco, CA, with 12 years of industry experience. She holds a Series 63 designation and has been associated with Summit Financial Advisory Services, Inc. since 1999. In addition to investment advisory, she provides bookkeeping, tax, annuities, and insurance services as part of her practice. Summit Financial Services offers investment advisory and financial planning to individuals and small businesses, focusing on securities investment advice alongside retirement, college planning, tax preparation, insurance, and business consulting. The firm operates on a non-discretionary basis, using various analytical methods and transaction-based or hourly billing rather than asset-based fees.

David Kim is the sole advisor at Vision Capital Investment Management, Inc. in San Francisco, CA, with 27 years of experience managing investments since 1999. He operates an independent advisory practice focused on discretionary investment management. Vision Capital Investment Management serves individuals, families, trusts, non-profit and religious organizations, as well as small businesses and corporations. The firm employs a blend of top-down macro and sector analysis with bottom-up fundamental research, offering customized portfolios that emphasize asset allocation, diversification, and socially responsible investing themes.

Andrew Harthcock is the sole advisor at Bay Area Wealth Advisors in San Francisco, CA. He holds a Series 65 credential and has been in the financial advisory industry since 2026. Prior to founding Bay Area Wealth Advisors, he worked in various roles across technology and business sectors. Outside of his advisory work, he is the owner of Foggy Weather LLC, a residential property management business. Bay Area Wealth Advisors is a state-registered investment adviser offering discretionary and non-discretionary investment management and financial planning services to individuals, high-net-worth clients, small businesses, and retirement plans. The firm employs a long-term, fundamentals-based investment approach focused on strategic asset allocation and diversification, primarily using low-cost ETFs, mutual funds, and individual securities, with ongoing monitoring and periodic rebalancing.

Quincy Hall is a CFP®-designated financial advisor with 14 years of industry experience. He founded Hall Financial Services, Inc. in 2018 after prior roles at Cetera Advisor Networks and Mass Mutual Investors Services. In addition to his advisory work, Hall teaches financial planning concepts as a lecturer at the College of Marin Community Education and publishes educational books and courses under his Advice Only business. Hall Financial Services, Inc. provides personalized financial planning and advisory services to individual and high-net-worth clients. The firm offers Advice-Only™ standalone planning engagements that are separate from asset management, recommending third-party managers when ongoing portfolio management is desired, and provides educational content through its Advice Only program.

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.

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.

Bruce Ritter is the sole advisor at Ritter Wealth Counsel, an independent fee-only wealth management firm based in San Rafael, CA. He holds a Series 65 designation and has over 36 years of experience in the industry. Ritter Wealth Counsel serves primarily high-net-worth individuals and families, as well as trusts, estates, pension, and charitable organizations. The firm offers customized investment programs implemented mainly with passive index funds or ETFs, maintaining predominantly non-discretionary client relationships and a small, concentrated client roster.