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.

Wenjia Liu is a CFA® charterholder with five years of industry experience. Liu is the sole advisor at Teapot Investments LLC, having previously worked at Nuveen and Ned Davis Research, Inc. Teapot Investments provides advisory services to registered investment advisers, family offices, endowments, foundations, corporations, and individual clients. The firm combines fundamental analysis, proprietary quantitative models, and tax-aware strategies to design strategic asset allocations, offering both institutional and individual advisory services alongside a subscription-based software platform.

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.

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.

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.

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.

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.

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 20 years of experience in financial advising. She is currently the sole advisor at Balanced Financial Advisors, an independent firm she has led since 2024. Her previous roles include positions at WealthSource Partners, Goldman Sachs PFM, United Capital, and Stancorp Investment Advisers. Balanced Financial Advisors serves a limited number of individual and high-net-worth clients, providing discretionary portfolio management and financial planning. The firm uses a model-driven investment approach centered on ETFs within a Modern Portfolio Theory framework and offers specialized consulting for individuals with disabilities.

Joseph Gallagher is a financial advisor at Pacific Crest Asset Management LLC with 31 years of industry experience. He holds a Series 65 designation and previously worked at Dorsey Capital Management and Kimun Lee. Pacific Crest Asset Management LLC provides discretionary portfolio management and prepares Investment Policy Statements tailored to clients’ goals, tax considerations, and risk tolerances. The firm employs a mix of analytic techniques and implements long-term purchase strategies across equities, fixed income, and ETFs, managing client assets internally without third-party managers.

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.

Steven Toomey is the sole advisor at Wholeness Financial in Richmond, California, holding Series 63, 65, and 66 licenses with three years of industry experience. His prior work includes roles at Wells Fargo Investments, Morgan Stanley, and various entrepreneurial ventures. Outside of his advisory practice, he serves as CFO of Snout, Inc., a company providing wellness payment plans for veterinary clinic customers. Wholeness Financial is a California-registered investment adviser offering integrated financial planning and investment management services to individuals, trusts, small businesses, charitable organizations, and pension/profit-sharing plans. The firm emphasizes personalized financial plans translated into customized Investment Policy Statements, with discretionary portfolio management focused on asset allocation, automatic rebalancing, and a diversified mix of investment vehicles.

Thomas Lloyd Butler is a Series 65-licensed financial advisor at TL-B Capital Management in San Francisco, CA, with two years of experience. He is also the Vice-President of Grand Jean Capital, where he has worked since 2010. TL-B Capital Management is an independent registered investment adviser serving individuals, high-net-worth clients, and charitable organizations. The firm offers discretionary portfolio management focused on mutual funds, equities, and ETFs, using cyclical, fundamental, and technical analysis across both long-term and short-term trading strategies.