Nicholas Winstead is a financial advisor at Changing Parameters, LLC with three years of industry experience. He holds a Series 65 designation and has previously worked at Edelman and as a self-employed advisor. Changing Parameters, LLC provides discretionary portfolio management and tactical allocation services to individuals, pensions, trusts, charities, and business entities, also serving as investment adviser to a registered open-end management investment company. The firm employs a model-driven investment process incorporating price trend, technical, quantitative, and momentum analysis, and may use active trading strategies including derivatives and concentrated portfolios.

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® with nine years of industry experience, currently serving as an advisor at Mayfield Advisors, Inc. He previously worked at Morgan Stanley and The Vanguard Group, bringing experience from both private banking and investment management. Mayfield Advisors provides discretionary investment management, financial planning, and retirement-plan advisory services to individuals, trusts, estates, and small businesses. The firm employs a Modern Portfolio Theory-based approach focused on diversified, passive investments and integrates advisory services with accounting support through its affiliation with a CPA firm.

Shidi Xu is a financial advisor at Shepherd Investment Management in Palo Alto, CA, holding a Series 65 designation with one year of industry experience. Prior to joining Shepherd, Xu worked at 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 is a state-registered investment manager providing fee-based discretionary portfolio management to individuals, trusts, estates, charitable organizations, corporations, and other business entities. The firm employs a long-term, fundamental, growth-at-a-reasonable-price equity approach focused on durable technology trends and adjacent sectors, with flexible account minimums and a high-conviction, unconstrained portfolio construction.

Guangming Dai is a financial advisor at Dai Advisors with seven years of industry experience. He holds a Series 65 designation and has a professional background in medical research, currently serving as a Senior Principal Research Scientist at Johnson & Johnson Vision, where he develops surgical treatment algorithms. Dai Advisors provides asset and portfolio management services focused on alternative investments, serving high-net-worth individuals, families, trusts, estates, and certain retirement plans. The firm emphasizes disciplined exposure to semi-liquid and private market structures and combines substantial assets under management with a large client base for a compact advisory organization.

Mark Flowers is a CFP® with 15 years of industry experience, currently serving as an advisor at Private Portfolios, Inc. in San Mateo, CA. He has worked with Private Portfolios, Inc. since 2012 and previously with Securities America, Inc. He participates in a collaborative networking group focused on financial issues related to divorce and leads regional divorce workshops offering general financial planning guidance. He also operates a sole proprietorship providing financial analyses and consulting services for clients undergoing divorce. Private Portfolios, Inc. provides fee-based investment advisory and financial planning services to individuals, trusts, pension plans, and corporate entities, with a focus on diversified portfolio management using tailored asset allocation strategies. The firm offers discretionary account management through a sponsored wrap-fee Wealth Management Platform and operates educational workshops, including a structured divorce workshop integrating financial, legal, and therapeutic modules.

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 in Palo Alto, CA, with 19 years of industry experience. She holds Series 63 and Series 66 credentials and has worked with firms including Forest VC, LLC, Wisdomont Asset Management, and several affiliated Oceaniq entities. Oceaniq Capital serves high-net-worth individuals, family offices, trusts, corporations, and retirement plan sponsors, offering portfolio management, financial planning, family office services, and access to private investments. The firm employs a customized, discretionary management approach using fundamental, quantitative, and qualitative analysis across public securities, options, and private investments.

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.

Garth Williams is a CFP® with 19 years of industry experience and has been with Honu Wealth Management since 2006. He holds a Series 63 license and is based in Sunnyvale, CA. Honu Wealth Management serves individuals, high-net-worth clients, retirement plans, trusts, estates, and business entities with financial planning, discretionary investment management, and pension consulting. The firm employs a low-cost, asset-allocation approach grounded in academic research and typically manages accounts on a discretionary basis, utilizing mutual funds, ETFs, and in some cases, options, short sales, and margin.

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 financial advisor at 3 Factor Indexing, LLC with 13 years of industry experience. He holds a Series 65 license and has worked at Synthium Capital since 2012. In addition to his advisory role, Sawyer operates as a self-employed consultant providing product marketing advice to companies. 3 Factor Indexing is a registered investment adviser serving high-net-worth individuals, families, trusts, and closely held businesses. The firm focuses on portfolio construction and management aligned with clients’ financial plans, using a diversified investment approach based on modern portfolio theory.

Stephen Sustrick is a financial advisor at Honu Wealth Management with 19 years of industry experience. He holds Series 65 and Series 66 licenses and has worked at Honu Wealth Management since 2007. In addition to his advisory role, he serves as a director at PWWM Group, where he is involved in consulting related to accounting, financial planning, and business process improvement. Honu Wealth Management serves individuals, high-net-worth clients, retirement plans, trusts, estates, and business entities with financial planning, discretionary investment management, and pension consulting. The firm employs a low-cost, asset-allocation approach grounded in academic research, tailoring portfolios to client goals and often managing accounts on a discretionary basis.

Martin Bicker is a financial advisor at Waverley Wealth Management LLC with 17 years of industry experience. He holds a Series 65 designation and has been with Waverley Wealth Management since 2011. Additionally, he is president of Bicker & Company CPA's, Inc., a certified public accounting firm he has led since 1995. Waverley Wealth Management provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, and business entities. The firm manages approximately $201 million across about 114 client relationships, employing both fundamental and technical analysis to construct diversified portfolios including stocks, bonds, mutual funds, ETFs, options, and select private or alternative securities.

Frank Branson is a financial advisor with Branson Frank A Inc in Burlingame, CA, holding 28 years of industry experience. He has been associated with Duncan & Branson since 1992 and has operated Frank A. Branson Inc. since 1986. Branson Frank A Inc provides investment advisory services to individuals, trusts and estates, pension and profit-sharing plans, and foundations, focusing primarily on portfolio management for individual accounts. The firm emphasizes fundamental security analysis and a buy-and-hold strategy, managing a diversified portfolio of 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.