Aaratee Rao is the sole advisor at Aure Advisors LLC, holding a Series 65 license with one year of industry experience. Prior to founding Aure Advisors, Rao worked at JPMorgan Chase for two years and held positions at Microsoft and Uber Technologies. Aure Advisors LLC is a state-registered independent investment adviser serving individuals, high-net-worth clients, and businesses with discretionary wealth management and financial planning. The firm uses both fundamental and technical analysis with a long-term investment approach and charges fixed, flat advisory fees rather than percentage-based fees.

Justin Wollman is a financial advisor with Composed Capital LLC in San Francisco, CA, holding Series 65 and Series 66 credentials and 13 years of industry experience. He has held various roles at firms including Intent Financial Services, Amoretti Advisors, and DGC Global. Outside of advisory work, he is the founder of Sonar Signal, Inc., a financial technology company developing software for behavioral financial planning. Composed Capital LLC provides discretionary investment management and ongoing financial planning to individuals and families, as well as retirement plan consulting and participant education. The firm uses a multi-manager, dynamic allocation approach primarily with diversified ETFs and incorporates limited cryptocurrency exposure when appropriate.

Glenn Tom is a financial advisor at Personal Best Financial LLC in Oakland, CA, with three years of industry experience. He holds a Series 65 designation and previously worked at NCR Corporation for six years. Personal Best Financial LLC is an independent, fee-only advisory firm serving individuals, trusts, estates, charitable organizations, and corporate clients. The firm focuses on technology and medical professionals as well as business owners, employing an investment approach based on Modern Portfolio Theory that combines passive and active strategies with options for ESG customization.

Guy Young is the sole advisor at Young Financial & Insurance Services in Millbrae, CA, holding a Series 63 license and bringing 43 years of industry experience. He has operated Young Financial & Insurance Services since 1998. Outside of advisory work, he is the owner of Young Realty. Young Financial & Insurance Services provides personalized financial planning and investment management to individuals, plans, trusts, estates, corporations, and charitable organizations. The firm employs a strategic core-and-satellite asset allocation approach focused on passive and active funds, manages accounts on a non-discretionary basis, and offers additional services including 401(k) consulting and guidance on annuities and insurance products.

Boris Senderzon is a CFA charterholder and Series 65 licensee with nine years of industry experience. He has been with Hilbar Capital, LLC since 2016, where he serves as the sole advisor. Hilbar Capital, LLC provides discretionary investment management and financial advisory services primarily to individuals, high-net-worth clients, and small businesses. The firm employs both passive and active investment strategies tailored to each client’s investment policy, managing approximately $2.84 million in a limited number of accounts.

Michael Chang is a CFA® charterholder and the sole advisor at Novice Capital LLC, with nine years of industry experience including seven years at Sycale Advisors. He is based in San Mateo, California. Outside of his advisory work, Chang is a partner in a family real estate business. Novice Capital LLC is an independent, single-advisor registered investment adviser serving individual and high-net-worth clients. The firm provides tailored Investment Policy Statements and uses a fundamental-analysis approach, managing a range of assets including equities, fixed income, ETFs, real estate funds, commodities, and non-U.S. securities.

In 2009 I founded Game Theory Academy, a nonprofit that teaches financial skills to teenagers through the lens of strategic decision-making. My favorite part of that work has been guiding young people to set their own goals outside of what their grownups want for them and then align their day-to-day decisions with those goals. I bring that same strategic curiosity to financial planning for you. Prior to Game Theory Academy, I was CFO of a news media organization. I hold an MBA from Yale and a BA in Political Science from UC Berkeley. I am a CFP® professional, and a member of the XY Planning Network and National Association of Personal Financial Advisors. I have a lifelong interest in economics and am excited to work with you to do the heavy lifting of financial planning so you can focus on what you love to do. When I’m not creating financial plans, I’m the mother of a child with avid and ever-changing interests. I love to play guitar and sing bluegrass, roots, and old-time music, with a pop twist.

Roy Peterkofsky is the sole advisor at Peterkofsky, Roy, holding a Series 65 designation with six years at his firm and five years of prior experience at Google. He has been trading securities in his own account since 1987. Peterkofsky, Roy provides discretionary trade-direction services primarily to institutional clients and qualified high-net-worth individuals. The firm employs a short-term, quantitatively driven investment approach using a proprietary AI-based method to identify market conditions, focusing on long and short positions in common stocks and ETFs without taking custody of client assets.

Mark Rowen is the principal of Rowen Capital Management, LLC, an independent registered investment adviser based in San Francisco. He holds the Series 63 designation and has 15 years of industry experience. Since founding his firm in 2010, he has managed discretionary portfolios primarily for individual clients. Rowen Capital Management focuses on long-term capital appreciation through bottom-up fundamental analysis of individual stocks, mutual funds, and ETFs. The firm typically manages concentrated portfolios of 15–30 positions and serves a small client base with a minimum account size of $1,000,000, emphasizing customized investment strategies including socially responsible and tax-efficient guidelines.

Perry Piazza Jr. is a financial advisor at Cogent Investment Advisors LLC with 21 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Blue Hall Capital, LLC and the City of San Francisco. Outside of his advisory role, he serves as vice president and treasurer of Bardolph Automation Inc., a company that develops software to control smart light bulbs. Cogent Investment Advisors LLC provides fee-only investment management primarily to individual and high-net-worth clients, offering discretionary portfolio management through proprietary model portfolios and custom strategies tailored to clients’ goals and risk tolerance. The firm actively manages portfolios using a combination of fundamental, technical, and quantitative analyses and may employ derivatives and illiquid investments for suitable clients.

George Chang is a financial advisor at Pillar Point Wealth Management LLC with 18 years of industry experience. He holds a Series 65 designation and previously worked at Charles Schwab and Charles Schwab Premier Bank. Pillar Point Wealth Management is an independent, fee-only registered investment adviser that serves individuals and high-net-worth clients with discretionary wealth management and financial planning. The firm combines Modern Portfolio Theory with fundamental and cyclical analysis, utilizing both passive and active investment vehicles, and offers socially conscious/ESG portfolios upon request.

Oliver Richner is the sole advisor at Richner Capital LLC in San Francisco, holding a Series 65 credential with 16 years of industry experience. He has been with Richner Capital since 2009. Outside of his primary role, Richner Capital provides equity research to a third-party investment management company on an intermittent basis. Richner Capital serves pooled investment vehicles and institutional accounts as a general partner and discretionary investment manager. The firm employs a value-oriented approach focused on small- and mid-cap equities across U.S. and international markets, using long and short positions, derivatives, and leverage as part of its strategy.

Neville Richardson is a financial advisor with Alpha Private Wealth Advisors LLC in San Francisco, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. Prior to his current role, he was involved with Ruwa Entertainment LLC for seven years. He serves as vice chair on the board of Richmond College Prep. Alpha Private Wealth Advisors offers portfolio management, financial planning, and pension consulting primarily for high-net-worth individuals, trusts, charitable organizations, and business entities. The firm employs a combination of fundamental and technical analysis and utilizes a range of investment strategies, including derivatives and borrowing, with a notable focus on ERISA-aware pension consulting and institutional portfolio management.

Matthew Gordon is a CFA® charterholder affiliated with Lobos Creek Investors LLC in San Francisco, CA, and has six years of industry experience. Prior to founding Lobos Creek Investors, he worked at Summitry, LLC for seven years, followed by positions at Golub Group and Grouse Rock, LLC. Lobos Creek Investors LLC provides discretionary asset management services primarily to individual and high-net-worth clients, focusing on fundamental equity analysis with a generally long-term investment orientation. The firm offers ongoing portfolio management tailored to client goals and risk tolerance.

Aleea McGuire is a CFP® with 40 years of experience in financial planning and advising, currently operating at Financial Services Group in San Francisco. Her career includes roles at Sandro Wealth Management LLC, OSAIC, and a long tenure at McGuire Financial Services Group. She is also a licensed agent in health, life, disability, and long-term care insurance. Financial Services Group is an independent, employee-owned registered adviser serving individuals and retirement plan sponsors. The firm provides comprehensive financial planning and consulting services with a non-discretionary, fiduciary investment approach that emphasizes strategic asset allocation and a multi-asset, multi-style portfolio construction.

Christina Empedocles is a CFP® with eight years of industry experience and currently the sole advisor at Insight Personal Finance in San Francisco, CA. She founded Smartly Collective Services, a personal finance educational company, which occupies a portion of her professional time. Prior to her current role, she operated Empedocles Design for over a decade. Insight Personal Finance serves individual clients, including those with higher net worth, providing comprehensive financial planning and referral-based investment advisory services. The firm focuses on a primarily passive, non-discretionary investment approach and offers educational seminars along with an online community in addition to traditional planning.

Nathan Roozee is a financial advisor at Crest Wealth Management LLC with 12 years of industry experience. He previously worked at Fidelity Investments and E*Trade Securities. Outside of his advisory role, he holds a 50% ownership in a small construction company where he manages bookkeeping, finances, and marketing. Crest Wealth Management LLC provides portfolio management and financial planning services to individuals, high-net-worth clients, and business entities. The firm employs a variety of investment strategies including fundamental and technical analysis, options trading, and offers both asset-based and hourly financial planning arrangements.

Sylvia Kwan is the Co-founder and Chief Investment Officer of SimplySmart Asset Management, with 25 years of industry experience. She holds the CFA® designation and Series 65 license. Ms. Kwan has worked at SimplySmart since 2010 and has been with Ellevest since 2015, dividing her time between New York and California. SimplySmart Asset Management is an independent firm offering discretionary, fee-based investment management primarily to individual investors and trusts. The firm focuses on yield and income generation while aiming to reduce fees, taxes, and portfolio risk through diversification, using a top-down, asset allocation-driven process with individually tailored global portfolios.

Bomdad Nouredini is the sole advisor at BBN Management, LLC in San Francisco, holding a Series 65 credential with 17 years of industry experience. He has led BBN Management since 2008. In addition to his advisory role, Nouredini consults on outsourced financial modeling, forecasting, and analysis for operating companies and investment firms. BBN Management provides discretionary portfolio management primarily to individual and trust clients through separately managed accounts and operates a proprietary private pooled investment vehicle for accredited investors. The firm focuses on capital appreciation through fundamental research, investing in publicly traded securities with strategies that include concentrated positions, hedging, short-selling, and selective use of leverage, distinguishing it from many independent advisory firms.

James Cowan is the sole advisor at Cowan Capital, an independent firm based in Foster City, CA. He holds Series 63 and Series 65 licenses and has 22 years of industry experience, including 18 years at Fisher Investments prior to founding Cowan Capital in 2023. Cowan Capital Advisors provides discretionary portfolio management and separate financial planning services to individuals, high-net-worth clients, non-profits, and small businesses. The firm focuses on diversified portfolios tailored to client needs, with a specialization in managing concentrated equity positions from employee stock compensation and a selective use of derivatives for defensive purposes.