Toby Koehler is a financial advisor with Sterling Advisory Services, LLC, holding a Series 65 credential and 12 years of industry experience. He has worked at Sterling Advisory Services since 2014 and previously at Dynamic Wealth Strategies, LLC. Koehler also serves as a tax preparer for Koehler & Associates, CPAs, a role he has held since 2000. Sterling Advisory Services provides asset management, financial planning, and consulting to individuals, trusts, estates, and small businesses. The firm constructs tailored portfolios using ETFs, mutual funds, equities, and fixed income, combining fundamental and technical analysis, with regular portfolio reviews and flexibility for client-imposed investment restrictions.

Christopher Weir is a financial advisor with Azul Private Wealth, LLC in San Jose, CA. He holds a Series 65 designation and has over 10 years of industry experience, including a decade at Charles Schwab. Azul Private Wealth, LLC provides ongoing portfolio management services to individuals, high-net-worth individuals, charitable organizations, and business entities. The firm focuses on client-specific Investment Policy Statements and discretionary portfolio management, employing strategic asset allocation with an emphasis on long-term investment horizons.

Sandeep Jain is the sole advisor at Jain Capital Management LLC, an independent advisory firm based in Saratoga, CA. He holds a Series 65 designation and has 19 years of industry experience. In addition to his advisory role, Mr. Jain owns and manages AppPerfect Corporation, a non-investment-related software business he has operated since 2003. Jain Capital Management LLC provides discretionary portfolio management services to individual and corporate clients, managing approximately $19.4 million across 17 accounts. The firm employs a combination of fundamental, quantitative, and technical analysis with a focus on frequent options-based trading strategies.

Arvind Venkateswaran is a financial advisor at Capital V Group LLC with 11 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including LPL Financial, Liberty Wealth Management, and Liberty Group. Capital V Group LLC provides financial planning and consulting services to individuals, business entities, and retirement plans, focusing on written financial plans and consulting rather than discretionary portfolio management or asset custody. The firm employs a variety of investment analysis methods and allocation strategies, and is affiliated with a broker-dealer and insurance companies, with a fee structure based on hourly charges for planning services.

Frank Elmer is the principal advisor at Frank Elmer Investment Strategies LLC in Los Altos, CA. He holds Series 63 and Series 66 designations and has 23 years of industry experience. Since 2010, he has led his independent firm, providing investment advice and portfolio management. Frank Elmer Investment Strategies offers discretionary portfolio management and investment advice to individuals, high-net-worth clients, corporate pension and profit-sharing plans, and family trusts. The firm focuses on constructing portfolios primarily of mutual funds and ETFs, using both fundamental and technical analysis tailored to each client’s objectives and risk tolerance.

Raj Atisivan is a financial advisor at Meera Advisory, L.L.C. in San Jose, CA, holding a Series 65 designation with three years of industry experience. He previously worked at Amazon from 2016 to 2017. Meera Advisory, L.L.C. is an independent registered investment adviser serving individual and high-net-worth clients with discretionary portfolio management and financial planning. The firm employs fundamental analysis, documented risk tolerance, and a combination of long- and short-term options trading strategies, and it offers a performance-based fee structure for qualified clients.

Sri Palasamudram is the sole advisor at DisruptiveSecularGrowth Corporation, an independent firm based in Mountain View, CA. He holds a Series 65 designation and has six years of industry experience. Prior to founding DisruptiveSecularGrowth in 2019, he worked at mobiDEOS Inc. for 15 years and has been involved in startups since 2000. He also spends time advising startups weekly to stay current with technology and market trends. DisruptiveSecularGrowth provides financial planning and discretionary investment management to individuals, families, trusts, and closely held businesses. The firm employs fundamental analysis and a mix of ETFs, mutual funds, equities, fixed income, and option strategies, including covered options and cash-covered puts, with a focus on risk-adjusted returns. It serves a material non-U.S. client base and offers both traditional asset-based and performance-based fee structures, reflecting its founder-led, technology-oriented approach.

Dong Zhang is the sole advisor at Evla Hills Equity Services LLC, an independent registered investment adviser based in Saratoga, CA. He holds a Series 65 designation and has 20 years of industry experience, having led Evla Hills since its founding in 2006. Evla Hills Equity Services LLC provides discretionary investment management and financial planning to individuals, small businesses, non-profit organizations, retirement accounts, and pooled investment vehicles. The firm employs an opportunistic, fundamentals-first investment approach with concentrated equity portfolios and custom asset allocation, and it operates a private fund alongside advisory services for other pooled vehicles, including institutional clients.

German Gentile is a financial advisor at London House Capital with 12 years of industry experience. He holds a Series 66 designation and has previously worked at Birkbeck Capital, Sowell Financial Services, LLC, and Concert Wealth Management, Inc. Outside of his advisory role, he owns G&) Global Trading, a wine distribution business. London House Capital is a solo registered investment adviser serving individual and institutional clients, including high-net-worth individuals. The firm employs fundamental, technical, and cyclical analysis and offers a range of investment strategies such as short-term trading, short sales, margin transactions, and options writing, typically managing portfolios on a discretionary basis.

Sean Akiyama is a Chartered Financial Consultant (ChFC®) with 26 years of industry experience. He is the sole advisor at Infinity 8 Investments, LLC, where he has worked since 2010. Infinity 8 Investments provides discretionary and non-discretionary investment management to individuals and institutional clients, including retirement plans, trusts, and business entities. The firm employs an active asset-allocation approach based on a business-cycle model and offers a wrap-fee program that integrates advisory, execution, and custodial services.

Raymond Chung is the sole advisor at Emerald Waves Investments, LLC, an independent firm based in Cupertino, CA. He holds the CFA® designation and Series 63 license and has 15 years of industry experience. He has led Emerald Waves Investments since 2010. Emerald Waves Investments provides fee-based investment advisory services and integrated financial planning, offering discretionary portfolio management for individuals, institutional clients such as pension and profit-sharing plans, trusts, estates, charitable organizations, and corporate entities. The firm employs a tactical allocation framework centered on an active long/short strategy, tailoring portfolio allocations to each client’s objectives and constraints.

John Betterman is the principal of Betterman Digital Wealth, Inc. in San Jose, CA, holding Series 63 and Series 65 licenses with 28 years of industry experience. His prior roles include positions at Merrill and Oak Family Advisors. He is also a licensed life and health insurance agent involved in insurance sales. Betterman Digital Wealth, Inc. provides investment management, financial assessments, and retirement-plan services to individuals, high-net-worth clients, and plan sponsors. The firm manages approximately $102 million in client assets and employs a strategic asset-allocation approach using both active and passive management, model portfolios, and sub-advisory relationships.

Ryan Dearkland is a financial advisor with Viridian Way LLC, holding a Series 65 designation and six years of industry experience. He has worked with several firms, including Relentless Enterprises Inc and Violet Creek LLC, and is also a partner in a business management company. Viridian Way LLC provides portfolio management and financial planning services to individual and high-net-worth clients, with tailored strategies for business owners that encompass profit distribution, cash-flow projections, and exit planning. The firm combines fundamental analysis with modern portfolio theory in a long-term trading approach and offers both discretionary and non-discretionary account management.

Hooman Altafi is the principal advisor at Alta Financial Group in Campbell, CA, holding Series 63 and Series 65 licenses with 18 years of industry experience. His prior work includes roles at Premier Lending Inc and ongoing involvement with Star LLC and Seven Media Group. Altafi is also licensed as a real estate, mortgage, and insurance broker, engaging in related commercial real estate and consulting activities outside of investment advisory services. Alta Financial Group serves individual investors, families, trusts, and institutional clients, providing investment management with an asset-allocation approach focused on low-cost mutual funds and ETFs, alongside selective use of stocks, options, and alternatives. The firm manages discretionary accounts, pooled vehicles, and retirement plans while offering financial planning and tax-related management services.

Jeanne Duce is a CFP® with 24 years of industry experience and is the principal of JD Financial Fitness LLC, an independent advisory firm based in San Jose, CA. She has worked at several firms including 1st Global Advisors, Inc. and Waddell & Reed, and has served as an independent insurance agent for life, accident, and health insurance. JD Financial Fitness LLC provides investment management and financial planning to individuals, qualified retirement plans, trusts, charitable organizations, corporations, and small businesses. The firm employs an evidence-based, buy-and-hold investment strategy with diversified asset-class allocations and offers additional services such as income and estate tax planning, college planning, and retirement-plan design.

Hengfu Hsu is the principal of Analytic Investment Management LLC in Cupertino, CA, holding Series 63 and Series 65 licenses with 19 years of industry experience. He previously worked at Xunuo USA Holdings, Inc. and has been a California insurance agent since 2006, providing insurance services outside of his advisory work. Analytic Investment Management LLC offers fee-based wealth management and discretionary portfolio management primarily to high-net-worth individuals and institutional clients. The firm uses proprietary algorithmic strategies to manage portfolios through rules-based models and active trading, focusing on separately managed accounts and consulting services such as retirement planning and stock option analysis.

Eric Hickok is a financial advisor at Hickok Advisory, LLC with five years of industry experience. He holds Series 65 and Series 66 licenses and has previously worked at Wells Fargo and Shooter Financial, Inc. In addition to his advisory role, he is actively involved in tax law and tax preparation businesses and holds a real estate license. Hickok Advisory, LLC provides discretionary and non-discretionary asset management along with financial planning and consulting services for a range of clients including individuals, trusts, estates, charitable organizations, and businesses. The firm’s investment approach incorporates fundamental and cyclical analysis with regular account reviews and offers both long-term and short-term strategies.

James Rukstalis is a CFP® and ChFC® with nine years of industry experience, currently serving as an advisor at Altura Wealth Advisors Inc. He has worked in financial services since 2008, including roles at J.R. Financial and Freedom Insurance Solutions, where he also acts as president. Outside of advisory work, Rukstalis is involved in insurance sales, real estate sales, mortgage loan origination, and holds a notary public commission. Altura Wealth Advisors is a four-advisor SEC-registered team managing approximately $169 million for around 400 individual and high-net-worth clients. The firm emphasizes a long-term, largely passive investment approach using ETF and mutual fund allocations, with discretionary management and periodic rebalancing, while also offering financial planning and insurance-related services through affiliated entities.

Ian Hildreth is a financial advisor at Altos Financial Management, LLC with four years of industry experience. He holds a Series 65 designation and has served as Chief Technology Officer of AWPRX, a pharmacy benefits management company, since 2011. In this role, he manages software and provides business consultation. Altos Financial Management serves individual and high-net-worth clients, as well as trusts, estates, pension and profit-sharing plans, charitable organizations, and business entities. The firm provides discretionary portfolio management using a macro-driven investment approach and offers additional investment-related research and planning services on an hourly basis.

Stephen Rice is a ChFC® credentialed financial advisor with 25 years of industry experience. He has been with Rice Financial Consulting, Inc. since 2003. Rice serves on the board and as treasurer of the Los Gatos Monte Sereno Police Foundation, a 501(c)(3) charitable organization supporting local police equipment and training. Rice Financial Consulting, Inc. provides advisory services to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporations. The firm employs a referral and manager-selection model, overseeing approximately $230.7 million for about 336 clients through a five-adviser team, and emphasizes long-term strategies within a fiduciary framework while working primarily on a non-discretionary basis.