Kristopher Van Stralen is a financial advisor at Evidencial Financial Consulting in Orinda, CA, with nine years of industry experience. He holds the ChFC® designation and a Series 63 license. His prior roles include positions at VR Advisors, Creekside Partners Financial Advisers, and the American College of Financial Services. Evidencial Financial Consulting provides personalized financial planning and non-discretionary asset management to individuals, trusts, estates, and charitable organizations. The firm uses fundamental analysis and a combination of long- and short-term strategies with a predominately non-discretionary management approach, allowing clients to retain trading authority.

Faruk Jaffer is a CFP® and ChFC® with nine years of industry experience, affiliated with Index Gurus, Inc. He has previously taught at UC Berkeley and UCSC Extension Silicon Valley. Index Gurus, Inc. is an independent, fee-only registered investment adviser serving individuals, small businesses, trusts, estates, charitable organizations, and certain institutional clients. The firm focuses on passive, asset-class investing using ETFs, index funds, and fixed income, offering comprehensive financial planning and portfolio management primarily on a non-discretionary basis.

James Audley is a financial advisor at Argent Wealth Advisors, LLC in Lafayette, CA, holding Series 63 and Series 65 licenses with 32 years of industry experience. He has been with Argent Wealth Advisors since 2014. Argent Wealth Advisors is an independent, fee-only investment adviser serving individuals, trusts, charitable organizations, and corporate clients. The firm applies academically grounded principles and Modern Portfolio Theory to develop diversified portfolios primarily using institutional no-load mutual funds and ETFs, focusing on non-discretionary management and client-approved transactions.

Steven Willis is a CFP® and PFS™ credentialed financial advisor with 26 years of industry experience. He has operated Willis Financial Services, Inc. in Clayton, CA since 2010. Willis is also registered as an insurance agent, though he spends minimal time in this capacity. Willis Financial Services, Inc. provides investment management and comprehensive financial planning to individuals, trusts, small businesses, and certain retirement plans. The firm employs an asset-allocation-driven investment approach focused on passive index funds, cost control, and tax efficiency, while also integrating accounting, tax-preparation, and insurance services.

John Gough is the managing member of KTE Capital Management, LLC and holds Series 63 and Series 65 licenses with six years of industry experience. He previously worked at Wells Fargo Bank for 18 years and co-founded True North Capital Management LLC, where he serves as managing partner. Gough is also the chief investment officer of ICA.Fund, a venture-capital CDFI focused on equity investments in women- and minority-owned businesses, and he serves as a guest lecturer in impact investing at the University of California, Berkeley, Haas School of Business. KTE Capital Management provides discretionary portfolio management to individuals, families, and trusts, managing approximately $10.9 million in client assets. The firm employs an active, downside-focused investment approach centered on essential-service businesses and uses a combination of equities, ETFs, derivatives, and leverage tailored to client-specific restrictions.

Frank Gavidia is a CFP® professional with 32 years of experience in financial advising. He currently leads Globe & Anchor Wealth Management & Financial Planning, LLC, an independent firm he has been with since 2021. His prior experience includes roles at Nissim & Gavidia Wealth Management & Financial Planning, LLC, Wells Fargo Clearing Services, LLC, and Wells Fargo Advisors LLC. Globe & Anchor Wealth Management & Financial Planning provides portfolio management and comprehensive financial planning services to individual and high-net-worth clients. The firm employs a fiduciary approach, tailoring portfolios to client goals and risk tolerance, and incorporates derivatives, primarily options, in client accounts—a practice that is relatively uncommon among peer firms.

John Callagy is the principal of Asage Financial LLC and holds a Series 65 designation with 19 years of industry experience. He has served as a CPA since 2009 and has operated Asage Financial since 2006. In addition to his advisory role, he maintains a sole practitioner CPA practice, dedicating a portion of his time to accounting and tax services. Asage Financial LLC provides investment management, financial planning, and consulting services to individuals and entities including irrevocable trusts and limited liability companies. The firm manages approximately $29.9 million on a discretionary basis and employs an efficient-market philosophy with diversified, asset-class-focused portfolios tailored to client objectives and risk tolerances.

Caedmon Bear is a financial advisor at On the Trail Financial Planning, LLC in Walnut Creek, CA, holding a Series 66 designation with 17 years of industry experience. Prior to founding his current firm in 2019, he worked at Honeycomb Financial and Charles Schwab, where he spent over two decades. On the Trail Financial Planning, LLC provides holistic financial planning and discretionary portfolio management primarily for individuals, high-net-worth clients, trusts, and charitable organizations. The firm employs a low-cost, passive investment approach using index mutual funds and ETFs and operates a fee-only, single-advisor model with about $83.8 million in discretionary assets under management.

Stoyan Panayotov is a CFA® charterholder with 10 years of industry experience. He is the sole advisor at Babylon Wealth Management LLC, where he has worked since 2016. Prior to founding Babylon Wealth Management, he worked at Individual Asset Management and Dunston Financial Group. Babylon Wealth Management is an independent registered investment adviser that serves individuals, high-net-worth clients, 401(k) plans, and charitable foundations. The firm offers discretionary portfolio management, financial planning, and pension consulting, managing client assets in-house using a long-term investment approach informed by fundamental analysis and modern portfolio theory.

Eric Kho is the sole advisor at RO2 Wealth, an independent firm based in Berkeley, CA. He holds a Series 65 designation and has one year of industry experience, including roles at BlackRock and Takeoff Technologies, as well as periods of self-employment. RO2 Wealth provides portfolio management, financial planning, and consulting services to client households and related entities. The firm's investment approach is primarily long-term and guided by Modern Portfolio Theory, using index mutual funds and ETFs for diversification along with fundamental, technical, and macroeconomic analysis when appropriate.

Rory Vanderheyden is a CFP® with six years of industry experience, currently serving as the sole advisor at Intelligent Investing. He has been associated with Intelligent Investing since 1995. Intelligent Investing is a fee-only independent advisory firm that provides comprehensive financial planning and investment management to individuals, trusts, pension and profit-sharing plans, corporations, and charitable organizations. The firm employs a strategic asset allocation approach using a core-and-satellite framework with a combination of passive index funds and selective active funds, managing approximately $38 million in client assets across about 66 accounts.

Travis Kauzer is the sole advisor at Kauzer Capital Management, LLC, an independent firm based in Walnut Creek, CA. He holds a Series 65 designation and has nine years of industry experience, including prior roles at Fort Point Capital Partners and The Grupe Company. Kauzer Capital Management provides individualized portfolio management to individual and high-net-worth clients, employing a variety of analytical methods and trading strategies. The firm manages accounts on a discretionary basis, utilizing both traditional and higher-risk investment techniques.

Eric Etu is a financial advisor at ETU Financial in Walnut Creek, CA, holding a Series 65 designation. He has less than one year of industry experience and previously worked at firms including SAP Concur and Ocrolus, Inc. Outside of his advisory role, he operates AlwaysOnTax, LLC, a tax-related business. ETU Financial serves individuals, families, self-employed individuals, and small business owners, providing discretionary investment management integrated with tax planning and standalone financial planning. The firm uses a long-term, strategic asset-allocation approach focused on low-cost mutual funds and ETFs, incorporating tax-aware strategies and limited use of individual securities and exchange-listed options governed by written policies.

Julie Brim is a financial advisor at Spiegelman Wealth Management, Inc. in Walnut Creek, CA, with 24 years of industry experience. She holds the Series 63 and Series 66 credentials and has previously worked at Commonwealth Financial Network and Northwestern Mutual in various capacities over a combined 18 years. Spiegelman Wealth Management, Inc. provides personalized investment management and financial planning services to individuals, trusts, foundations, retirement plans, and corporations. The firm employs fundamental analysis and client-specific asset allocation guidelines across a mix of mutual funds, ETFs, individual stocks, and bonds.

Stephen Lahl is a financial advisor with Vista Advisor Group, LLC in Walnut Creek, CA. He holds the ChFC® designation and Series 66 license and has nine years of industry experience. Prior to joining Vista Advisor Group in 2020, he worked at Charles Schwab and Charles Schwab Bank from 2017 to 2020, and at Travis Credit Union from 2015 to 2017. He also works as an independent insurance agent. Vista Advisor Group provides investment advisory services to individuals, trusts, pension and profit-sharing plans, and business entities, managing over $314 million in client assets. The firm offers comprehensive portfolio management, financial planning, and retirement consulting with a fiduciary, client-centered approach.

Christopher Sheehy is a CFP® with 10 years of industry experience, currently serving at Harborlight Investments, LLC since 2017. Prior to this, he worked at Wynn Capital Management from 2015 to 2016. Harborlight Investments serves individual investors, pension and profit-sharing plans, charitable organizations, and privately held businesses, offering discretionary portfolio management, automated advisory programs, and financial consulting. The firm combines human management with automated model portfolios and employs both long- and short-term trading strategies, with a focus on ETFs and no-load mutual funds.

William Tom is a CFP® professional with 11 years of industry experience, currently affiliated with American Investors Company. He has worked at American Investors Company since 2014 and is also a partner at Mosher Financial Advisors, LLC, where he focuses on financial planning, research, and investment processing. American Investors Company provides investment advisory, financial planning, 401(k) advisory, and asset supervisory services to a diverse client base, including individuals, pension plans, trusts, and charitable organizations. The firm combines advisory and brokerage activities through a multi-advisor structure and manages approximately $578 million in client assets.

Corey Casilio is a financial advisor at Casilio Leitch Investments with 23 years of industry experience. He holds a Series 66 designation and has been with Casilio Leitch Investments since 2014. The firm provides discretionary investment management and integrated financial planning to individuals, trusts, and estates. Their approach combines top-down global economic analysis with bottom-up security evaluation, guided by Modern Portfolio Theory, and serves primarily larger household portfolios through a general account minimum.

Nathan Sadowski is a financial advisor at Pacific Excel Wealth Advisors, Inc. in Walnut Creek, CA, holding a Series 65 designation with 11 years of industry experience. He previously worked at J.W. Cole Advisors, Inc. for six years and has been associated with Pacific Excel Wealth Advisors since 2013. Nathan is also the owner of Pacific Excel Insurance Services, Inc., an investment-related business offering various insurance products. Pacific Excel Wealth Advisors provides discretionary asset management, financial planning, and retirement-plan advisory services to individuals, small businesses, trusts, estates, pooled vehicles, and charitable organizations. The firm combines fundamental and technical analysis with diversified investment vehicles and offers tailored service tiers that include advanced planning and portfolio management.

Matthew Coons is a financial advisor at API Capital, LLC with one year of industry experience. He holds a Series 65 designation and has previously worked at DWS Group for 11 years. Outside of his advisory role, Coons is an accountant and owner of API Accounting, Tax & Advisory, Inc., and is also a licensed real estate broker, though he does not offer real estate services to clients. API Capital, LLC provides portfolio management and financial planning services primarily to individuals and high-net-worth clients. The firm employs a variety of analytical methods and offers discretionary trading authority, combining long-term trading with options strategies, while also delivering financial planning on a fixed-fee or hourly basis.