Jack Chang is a CFP® with 21 years of experience in financial services. He is the principal of TaiBay Wealth Management LLC, an independent firm he has led since 2021. His prior roles include positions at Woodbury Financial Services and Questar Capital Corporation. Chang is also the owner of JLC Financial Services, where he assists clients with life, long-term care, and disability insurance. TaiBay Wealth Management LLC provides discretionary portfolio management and financial planning primarily to individual and high-net-worth clients, utilizing a mix of fundamental analysis and modern portfolio theory. The firm emphasizes a global investment approach, incorporating non-U.S. securities and various asset classes under discretionary authority.

David Carroll is a financial advisor at Palisade Financial in Orinda, CA, with 14 years of industry experience. He holds Series 63 and Series 66 designations and has been with Palisade Financial since 2011. Palisade Financial is an independent registered investment adviser that provides discretionary portfolio management and advisory services to individual and high-net-worth clients. The firm uses a combination of fundamental, technical, and cyclical analysis to construct portfolios and typically seeks discretionary trading authority, employing a range of instruments and higher-risk trading techniques.

Emmanuel Obel is the principal of Obel Financial Advisors in San Mateo, CA, with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has led Obel Financial Group since 2010. Outside of his advisory work, Obel serves on the boards of several nonprofit organizations focused on health and environmental issues and participates in fundraising and management advisory roles. Obel Financial Advisors provides portfolio management, written financial planning, and third-party investment adviser selection and monitoring for individuals, high-net-worth clients, charitable organizations, pension plans, and businesses. The firm primarily operates on a non-discretionary basis using a proprietary analysis system and individualized asset allocation, with clients receiving quarterly statements from independent custodians.

Len Do is a financial advisor based in San Bruno, CA, with 20 years of industry experience. He has worked at UBS Financial Services and Edward Jones before founding his own practice in 2019. Outside of his advisory work, Len provides homecare services through the San Mateo County Public Authority’s In-Home Supportive Services program. His firm offers financial planning, portfolio management, and employee benefits planning to individuals, business owners, and businesses. The firm emphasizes asset allocation, diversification, and quantitative analysis across various investment styles, providing portfolio oversight on a non-discretionary basis along with educational seminars and referrals to third-party advisers.

David Tepper is the sole advisor at Tepper Capital Management, an independent firm based in San Francisco. He holds 36 years of experience in the industry and has managed his own firm since 1990. Tepper Capital Management provides discretionary investment management services to a small client base, including individuals, trusts, retirement plans, and a limited number of corporate clients. The firm emphasizes tailored portfolios that utilize closed-end funds and a combination of charting, fundamental, technical, and cyclical analysis.

Frank Pare is a CFP® professional with over 32 years of industry experience. He is president of PF Wealth Management Group, LLC, where he has worked since 2006, and he also provides consulting services related to insurance needs through Ohio National Life Insurance Company. PF Wealth Management Group serves individuals, non-profit organizations, group retirement plans, and business owners seeking exit planning. The firm offers investment management, comprehensive financial planning, estate-planning support via digital platforms, and life and long-term-care insurance brokerage services.

Sylphiel Yip is a financial advisor at Uplift Investing, Inc with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Uplift Investing since 2017, following seven years at G.X.Clarke/INTL FCStone. Uplift Investing, Inc provides discretionary portfolio management and advisory services primarily to individual clients and also serves as a subadviser to other investment advisers. The firm uses a long-term trading approach with a variety of analytical methods and offers a wrap fee program that consolidates custodial, brokerage, and transaction costs into a single fee.

I am the Founder of CareGen Wealth Management and a Wealth Advisor providing fee-only financial planning and wealth management services with customized solutions for my clients, with a primary focus on women. My clients may be divorced, retireed, widowed, or recent inheritors. They're looking for someone to literally and/or figuratively sit right next to them, hip to hip, as they make financial decisions that impact their lives and the lives of those who are important to them. My ultimate goal is to empower my clients to believe in themselves, make the most of their resources, make smart decisions, and forge better financial outcomes. I am a CERTIFIED FINANCIAL PLANNER™ professional, a Certified Divorce Financial Analyst® professional, and hold the Accredited Behavioral Finance Professional(℠) credential. Prior to starting my own firm, I was a Vice President with Goldman Sachs, Personal Financial Management and have worked in the financial services industry since 2006 following an earlier career working in the aerospace and information systems industries. I studied Financial Planning at UC Berkeley, have an MBA from the University of Southern California, and a Bachelors degree in Mathematics and Economics from UC Santa Barbara. I live in the San Francisco, California area with my husband and when I'm not working with clients, I love to spend time in Brooklyn, Phoenix, and Los Angeles with my three grown children. (If you're curious, ask me about how this relates to my "Family Mission Statement".) I also enjoy spending time in Park City, Utah downhill skiing, hiking, or seeing films at the annual Sundance Film Festival.

Yen Trac is a financial advisor at Northern California Fiduciary Advisors, LLC with one year of industry experience. She holds a Series 65 designation and also practices law at Fisherkong Law. Outside of her advisory and legal work, she is a one-third owner of Modern Payments Consulting, LLC, a company that provides consulting services related to payment strategies for businesses. Northern California Fiduciary Advisors offers investment portfolio management, comprehensive financial planning, and consultative services to individuals, non-profits, corporations, and businesses. The firm employs a diversified investment approach based on Modern Portfolio Theory and fundamental analysis, serving clients with tailored strategies aligned to their goals and risk tolerance.

Heather Liston is a CFP® professional with eight years of experience in financial planning. She is the principal of Clarity Financial, an independent advisory firm based in San Francisco. Her prior experience includes roles at Hargrave Fiduciary Advisors and Global Retirement Partners, LLC, as well as teaching positions at UC Berkeley Extension and Hult International Business School. Clarity Financial provides financial planning services to individuals and high-net-worth clients through comprehensive plans, consultations, and hourly engagements covering retirement, cash flow, estate, business planning, and equity compensation. The firm does not manage client investments directly and generally recommends passive, low-turnover portfolios implemented through client-selected custodians.

Peter Yiu is a financial advisor with Tranquil Asset Management LLC in Foster City, CA, holding Series 63, Series 65, and Series 66 licenses and 24 years of industry experience. His prior experience includes roles at Charles Schwab & Co., Inc., UBS Financial Services, and Fidelity. Tranquil Asset Management LLC provides ongoing portfolio management primarily to high-net-worth individuals, developing written Investment Policy Statements for each client and monitoring a broad range of asset types. The firm employs multiple analysis methods and trading strategies while generally seeking discretionary authority to manage client securities and transactions.

John Mayberry is the sole advisor at Core Asset Management Company in Sausalito, CA, holding a Series 65 credential and bringing 13 years of industry experience. He has been with Core Asset Management since 1986. Outside of his advisory role, he manages the securities portfolio of a family-owned Delaware LLC. Core Asset Management Company provides discretionary portfolio management and financial planning services primarily to higher-net-worth individuals and families. The firm employs a long-term, tax-aware investment approach using ETFs, mutual funds, and limited individual securities, managing approximately $38 million in client assets.

Robert Zapantis is the sole advisor at Zapa Investing LLC in San Mateo, CA. He holds a Series 65 designation and has been involved in the financial services industry since 2022, with experience in real estate and small-business operations alongside his advisory role. Outside of his advisory work, he is a licensed real estate agent with Keller Williams Peninsula Estates and serves as Head of Sales & Finance at ZALA Inc. Zapa Investing LLC is a California-registered investment adviser providing non-discretionary portfolio management to individuals, families, and small businesses. The firm focuses on diversified, long-term portfolios using fundamental and macroeconomic analysis combined with asset-allocation modeling, requiring client approval before executing trades.

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 at Composed Capital LLC in San Francisco, CA, with 13 years of industry experience. He holds Series 65 and Series 66 licenses and has worked with firms including Invesco Advisers, AllianceBernstein, and Amoretti Advisors. Outside of his advisory role, he is the founder of Sonar Signal, Inc., a financial technology company focused on behavioral planning. Composed Capital LLC provides discretionary investment management and financial planning primarily to high-earning professionals and retirement plans. The firm emphasizes client-specific portfolios using diversified ETFs and offers subscription-based financial planning, integrating proprietary technology and third-party software to support client engagement and retirement plan consulting.

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.

Gaurav Kumar is a financial advisor at Tilden Path Capital LLC, holding a Series 65 designation with four years of industry experience. Prior to his current role, he worked at firms including SquareSpace, Veza, MongoDB, Google LLC, Amazon Web Services, and GoPro. Tilden Path Capital LLC is an independent investment adviser that provides discretionary portfolio management to individual and high-net-worth clients through separately managed accounts and a private pooled investment vehicle. The firm’s strategies focus on technology‑oriented small‑ and mid‑cap equities, employing bottom-up fundamental research and incorporating limited options strategies, with performance-based fee arrangements available for qualified clients.

Boris Senderzon is a CFA® charterholder and holds a Series 65 license with ten years of industry experience. He has been the sole advisor at Hilbar Capital, LLC since 2016, based in San Bruno, CA. 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 strategies using low-cost index funds and ETFs, as well as an active approach with concentrated investments tailored to each client's investment policy, managing approximately $2.84 million in assets.

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.