Toi Cook is a financial advisor at AP Investment Management with one year of industry experience. Prior to joining the firm, Cook has held roles in media, including at KRON 4 News Station and The Cardinal Media Group. Outside of financial advising, Cook has been involved in media and sports-related ventures over the past several years. AP Investment Management serves individuals, trusts, estates, pension and profit-sharing plans, and business entities with asset management, comprehensive wealth management, financial planning, and retirement plan consulting. The firm provides discretionary portfolio management and consulting, using a variety of analytical methods and investment strategies tailored to clients’ objectives.

Nicholas Winstead is a financial advisor at Changing Parameters, LLC in Los Altos, CA, holding a Series 65 designation with four years of industry experience. He has worked at Changing Parameters since 2021 and previously held roles at Edelman, among others. Changing Parameters, LLC provides discretionary tactical allocation and portfolio management services to individuals, pensions, trusts, charitable organizations, and corporations, as well as serving as investment adviser to an SEC-registered open-end investment company. The firm employs a model-based approach using price-trend, technical, quantitative, and momentum analysis to adjust allocations across equity, fixed income, and money market funds, and manages both separately managed accounts and an actively traded Fund that employs long and short positions, derivatives, and futures.

William Binder is a financial advisor with BKB Financial Advisors, LLC in Menlo Park, CA, holding a Series 65 designation and 20 years of industry experience. He has operated as a self-employed advisor since 2001. Outside of financial advising, he owns a consulting engineering sole proprietorship that provides product development, business development, engineering, and project management services, though he is currently not active in this business. BKB Financial Advisors provides customized financial planning and consulting to individuals and families across life stages, focusing on retirement planning, seniors, and clients facing major life events such as loss or divorce. The firm emphasizes client education and participation, offers hourly fee-based advice without managing or custodying assets, and provides specialized services including divorce financial planning and estate-document support.

Mark Torres is a CFP® professional with nine years of industry experience, currently serving as an advisor at Mayfield Advisors, Inc. in Palo Alto, CA. His prior experience includes roles at Morgan Stanley Private Bank and The Vanguard Group. Mayfield Advisors, Inc. provides discretionary investment management and financial planning services to individuals, trusts, estates, and small businesses, including high-net-worth clients. The firm emphasizes a diversified, buy-and-hold investment approach based on Modern Portfolio Theory and market efficiency, often utilizing passively managed mutual funds and ETFs.

Shidi Xu is a financial advisor at Shepherd Investment Management with two years of industry experience. She holds a Series 65 designation and previously worked for BlackRock Investment Management, LLC for eight years. Xu is also the founder and managing partner of Shepherd Capital LLC, a non-operating entity. Shepherd Investment Management provides fee-based portfolio management to individuals, high-net-worth clients, trusts, estates, charitable organizations, corporations, and other entities. The firm follows a long-term, fundamental investment approach with a Growth-at-a-Reasonable-Price discipline, focusing on global technology and adjacent sectors, and manages portfolios with high-conviction allocations informed by proprietary research.

Guangming Dai is a Series 65-licensed financial advisor with Dai Advisors, located in Menlo Park, CA, and has seven years of industry experience. He concurrently holds a position as a Senior Principal Research Scientist at Johnson & Johnson Vision, where he designs treatment algorithms for surgical products, a role unrelated to his advisory work. DAI Advisors provides asset and portfolio management and fiduciary consulting primarily for high-net-worth individuals, trusts, families, estates, and certain retirement plans, with a focus on alternative investments and limited public market exposure. The firm uses a combination of fundamental, technical, and cyclical analysis alongside proprietary DEG ratings in manager selection and due diligence, managing roughly $330 million in assets for about 285 clients.

Mark Flowers is a CFP® and holds a Series 66 license with 16 years of industry experience. He has been with Private Portfolios, Inc. since 2012 and previously worked at Securities America, Inc. His other activities include leading regional divorce financial workshops and providing consulting services related to marital estate financial analysis. Private Portfolios, Inc. offers fee-based investment advisory and financial planning services to individuals, trusts, pension plans, and corporate entities, utilizing diversified portfolios with a focus on model asset allocation and discretionary management. The firm is noted for its participation in a wrap-fee Wealth Management Platform and its operation of educational workshops, including structured divorce financial workshops.

Ramon Marquez is a Certified Financial Planner (CFP®) with 16 years of industry experience. He has been with Galileo Planning Group, Inc. since 2007. Galileo Planning Group, Inc. is an independent, fee-only advisory firm that provides comprehensive financial planning and investment counseling primarily to wealthy individuals, senior corporate executives, and high-income professionals. The firm focuses on non-discretionary, customized services including asset allocation, retirement, estate and tax planning, and evaluations of private and venture investments.

Jeffrey Wu is a CFP® and holds a Series 66 designation with 21 years of industry experience. He has been with Red Crane Wealth Management, LLC since 2016. Red Crane Wealth Management provides discretionary asset management, investment consulting, and standalone financial planning to individuals, high-net-worth clients, trusts, estates, and charitable organizations. The firm employs a mix of asset allocation, sector allocation, long- and short-term trading techniques, and derivative strategies, and sponsors both a wrap fee program and a private pooled investment fund.

Melissa Eugenio is a financial advisor at Alexander Beard (USA) Inc. with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Alexander Beard since 2018, following prior roles including five years at ABD Retirement Services, Inc. Outside of her advisory work, she is a Bikram yoga instructor, teaching weekly classes at Being Yoga. Alexander Beard (USA) Inc. provides advisory services primarily to individuals and retirement plans, focusing on UK citizens or former UK residents living in the U.S. with UK-based pension accounts. The firm offers pension consulting, portfolio management, and financial planning, tailoring advice to client goals and working with pension trustees to facilitate pension transfers and flexible arrangements.

Matthew King is a CFA charterholder with 20 years of experience in the financial advisory industry. He has worked at Bell Investment Advisors, Inc. from 2000 to 2018 and has been with King Wealth Advisors, LLC since 2015. King Wealth Advisors is a small independent firm serving individuals, families, high-net-worth clients, retirement plans, trusts, charitable organizations, and business entities. The firm focuses on discretionary investment management using mutual funds and ETFs, applying a selection process based on momentum, value factors, and economic conditions, with an analytic approach that includes fundamental, technical, cyclical, and charting methods.

Ying Ying Jing is a financial advisor at Oceaniq Capital, LLC with 20 years of industry experience. She holds Series 63 and Series 66 licenses and has held positions at Credit Suisse Securities and Merrill, among other firms. Jing has been associated with various entities within the Oceaniq group since 2014. Oceaniq Capital serves high-net-worth individuals, family offices, trusts, corporations, and retirement plan sponsors by providing portfolio management, financial planning, family office services, and access to private investments. The firm combines fundamental, quantitative, and qualitative analysis in managing public and private assets and conducts due diligence on third-party managers.

Kirk Knight is a CFP® and PFS™ with 15 years of experience in financial advising. He has been with Knight and Company Wealth Advisors, LLC since 2009 and also serves as a CPA at Knight & Company Certified Public Accountants, Inc., where he has worked since 1985. In addition to his professional roles, he manages a small almond orchard on a part-time basis. Knight and Company Wealth Advisors provides investment management and wealth-planning services to individuals, trusts, retirement plans, charitable organizations, and businesses. The firm employs a passive, asset-class investment approach based on Modern Portfolio Theory, using diversified portfolios primarily comprised of passively managed mutual funds and ETFs, and offers integrated accounting relationships through affiliated CPA firms.

Brian Roberts is a CFA® charterholder and principal at Roberts Wealth Advisors, LLC with 12 years of industry experience. He previously worked at Nelson Roberts Investment Advisors, LLC for 16 years before joining his current firm in 2020. Roberts Wealth Advisors provides portfolio management, financial planning, and retirement plan consulting to individuals, high-net-worth clients, trusts, pension plans, and other investment advisers. The firm employs fundamental analysis and long-term strategies across a range of public and private investments and offers services to both individual and institutional clients, including other advisory firms.

Robert Sawyer is a Series 65 licensed financial advisor with 14 years of industry experience. He is associated with 3 Factor Indexing, LLC and has worked at Synthium Capital since 2012. In addition to his advisory work, Sawyer operates as a self-employed consultant providing product marketing advice to companies. 3 Factor Indexing serves individuals, families, trusts, and closely held businesses, managing approximately $193 million across 48 clients. The firm employs a modern portfolio theory approach focused on asset allocation and diversification, primarily utilizing exchange-traded products, mutual funds, separately managed accounts, equities, and bonds.

Martin Bicker is a financial advisor with Waverley Wealth Management LLC in Mountain View, CA. He holds a Series 65 designation and has 18 years of industry experience. In addition to his advisory role, Mr. Bicker is president of Bicker & Company CPA's, Inc., a certified public accounting firm he has led since 1995. Waverley Wealth Management serves individuals, high-net-worth clients, trusts, estates, charitable organizations, and business entities, managing approximately $201 million across 114 client relationships. The firm offers comprehensive portfolio management using both fundamental and technical analysis, with a focus on discretionary strategies and ongoing account monitoring.

Frank Branson is the sole advisor at Branson Frank A Inc in Burlingame, CA, with 29 years of industry experience. His prior work includes 12 years at Duncan & Branson. Branson Frank A Inc provides investment advisory services to individuals, trusts, estates, pension and profit-sharing plans, and foundations. The firm focuses on portfolio management primarily for individual accounts, emphasizing fundamental security analysis, a buy-and-hold strategy, and risk limitation, while managing equity securities, ETFs, U.S. government securities, and money market funds.

Joel Bakos is a financial advisor at Bakos Investment Management in Los Altos, CA, holding Series 63 and Series 65 credentials with 28 years of industry experience. He has been with Bakos Investment Management since 1998. Bakos Investment Management provides discretionary portfolio management and financial coordination for individuals, families, trusts, estates, and charitable organizations. The firm offers customized asset-allocation strategies, oversight of outside money managers, and coordination with clients’ tax and legal advisors, serving a limited client roster with a tailored investment approach and broad access to institutional funds without minimums.

Tsun Tat Wong is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on connecting all aspects of clients' financial lives to help them prioritize and pursue their most important goals. Tsun Tat works closely with clients to develop strategies aligned with their short-, mid-, and long-term objectives, providing guidance on investing, retirement planning, and unexpected expenses. He also facilitates access to Bank of America specialists for banking, credit, home financing, and small business solutions. With over 10 years of banking experience, Tsun Tat provides tailored banking and investment strategies for both individuals and businesses. His approach is centered on delivering personalized and appropriate solutions designed to help clients navigate complex corporate cash management and wealth management objectives. He previously worked as a Trader in Hong Kong, China. Tsun Tat earned a Bachelor of Arts degree in Mathematics and Economics from the University of California, Berkeley. He holds FINRA Series 7 and 66 registrations as well as the Personal Investment Advisor (PIA) designation. He resides in Foster City with his wife. His personal interests include baseball, basketball, biking, bowling, cooking, hiking, music, swimming, traveling, and watching movies.

Robert Lyman is a CFP® professional with 16 years of industry experience, currently serving as an advisor at Johnson Lyman Wealth Advisors since 2015. He holds the Series 65 license and operates out of Los Altos, CA. Johnson Lyman Wealth Advisors provides fee-only financial planning and discretionary investment management to individuals, trusts, estates, pension and profit-sharing plans, charitable organizations, and small businesses. The firm focuses on broadly diversified, strategic asset allocation portfolios primarily using mutual funds and ETFs, emphasizing long-term holdings with tactical adjustments when appropriate.