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.

Wenjia Liu is a CFA® charterholder with four years of industry experience, currently affiliated with Teapot Investments LLC since 2025. Prior to this, Liu worked at Nuveen for eight years and Ned Davis Research, Inc. for seven years. Teapot Investments provides advisory services to registered investment advisers, family offices, endowments, foundations, corporations, and individual clients. The firm employs a blend of fundamental analysis, proprietary quantitative models, tax-aware analysis, and probabilistic scenario testing to develop strategic asset allocations with tactical adjustments and offers flexible fee arrangements including hourly and fixed project fees.

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.

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.

Matthew Wright is the principal of Wright Financial, LLC in Pleasant Hill, CA, holding Series 63 and Series 65 licenses with 26 years of industry experience. His career includes roles at Geneos Wealth Management Inc, Independent Financial Group, LLC, NPB Financial Group, LLC, and Seel & Wright, LLC. He also serves as a trustee for a family trust. Wright Financial, LLC provides investment management and financial planning services to individuals, trusts, estates, and small businesses. The firm manages approximately $74 million for around 118 clients, using a non-discretionary advisory approach based on Modern Portfolio Theory and a core-and-satellite investment strategy.

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.

James Koch is the principal advisor at Koch Capital Management LLC, an independent firm based in Alamo, CA. He holds a Series 65 designation and has 17 years of industry experience. Koch also operates the Informed Household financial-education platform. Koch Capital Management LLC provides investment management and retirement-planning services to individuals, families, and trusts. The firm uses a structured retirement planning approach, offering discretionary portfolios and a fixed-fee retirement program, with a focus on active risk management techniques and integrated client collaboration tools.

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.

Robert Regan is the principal of Regan Financial Group, LLC in Danville, CA, holding Series 63 and Series 65 licenses with 32 years of industry experience. He has led Regan Financial Group since 2016. Outside of his advisory work, Regan serves on the St. Mary's College Alumni Board and acts as an insurance agent specializing in life, disability income, long-term care, and property and casualty insurance. Regan Financial Group provides investment management and financial planning services primarily to individual clients, as well as trust, estate, and retirement-plan clients. The firm employs an academic, factor-based investment approach grounded in Modern Portfolio Theory and the Fama-French model, constructing broadly diversified portfolios and generally managing assets on a non-discretionary basis.

Raj Brahmbhatt is the sole advisor at Aldabra Capital Management and holds a Series 65 credential with six years of industry experience. He has been with Aldabra Capital Management since 2020 and concurrently serves as a senior director in global marketing at Visa Inc., a payment technology company. Aldabra Capital Management provides discretionary investment management primarily to individuals, small businesses, trusts, estates, and IRAs through separately managed accounts. The firm employs a concentrated, high-conviction equity strategy focused on publicly traded companies with durable economics and long-term growth potential, managing a small client base with a uniform portfolio approach.

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.

Greg is a Fee Only Financial Advisor, supporting clients through all phases of financial life. Specializing in Employee Equity Compensation Planning, Greg helps clients understand their options related to ISOs, NQSOs, RSUs, ESPPs and more, working with clients to understand how to use their benefits to achieve their financial goals. Whether you have one or many financial questions, and need help deciphering your options, Greg can help you navigate your financial decision making.