Christina Covalesky is a CFP® and holds a Series 65 license with 23 years of industry experience. She has worked at Laird Norton Wetherby Wealth Management, LLC since 2024 and spent 21 years at Wetherby Asset Management. LNW serves families and high-net-worth individuals, providing comprehensive wealth planning and investment management for related entities such as trusts, estates, foundations, and endowments. The firm employs a disciplined, globally diversified investment approach that includes strategic asset allocation, manager due diligence, and access to alternative and impact-investing options.

Pooja Agarwal is a financial advisor at Earned Wealth Advisors, LLC with one year of industry experience. She has been involved with Chahal & Associates, Inc. since 2007, where she dedicates significant time during securities trading hours. Outside of advisory work, she provides tax preparation services on weekends and owns restaurant businesses. Earned Wealth Advisors serves individuals, high-net-worth clients, trusts, and employer-sponsored retirement plans, with a focus on medical professionals and their practices. The firm uses a diversified, buy-and-hold investment approach informed by third-party consultants and an internal committee, offering discretionary wealth management and retirement-plan advisory services.

Derek Izuel is a CFA® charterholder with 14 years of industry experience. He is currently with Shelton Capital Management and has previously worked at Vitruvian Capital Management and HighMark Capital Management. Shelton Capital Management provides investment management to mutual funds, institutional investors, retirement plans, government entities, nonprofits, and individual investors through various account types and advisory services. The firm employs an active, discipline-specific approach combining fundamental, technical, and quantitative analysis, and incorporates ESG screening and data-science tools across its strategies.

Daniel Johnson is a CFP® with 17 years of industry experience, currently serving as a financial advisor at Northern Trust Securities, Inc. in San Francisco, where he has worked since 2010. He holds Series 63 and Series 66 licenses. Northern Trust Securities, Inc. is an SEC-registered investment adviser and FINRA-registered broker-dealer that provides discretionary portfolio management through a model-driven wrap fee program. The firm serves high-net-worth individuals, retail investors, and institutional clients by offering Separately Managed Accounts, Fund Strategist Portfolios, and Strategist UMAs via the Fidelity Managed Account Xchange platform.

Ana Chena Davila is a financial advisor at Earned Wealth Advisors, LLC with one year of industry experience. She has prior experience working at Thomas Doll CPAs, where she serves as a Tax Manager. Davila also worked at Saint Mary's College of California and Cisco Systems earlier in her career. Earned Wealth Advisors serves individual and institutional clients, focusing on physicians, dentists, and their practice employees. The firm offers financial planning, discretionary wealth management, and retirement plan consulting, utilizing independent investment managers and model portfolios supported by third-party consultants and advanced portfolio tools.

Michelle Watson is a CFA® charterholder with 35 years of industry experience. She has been with Evergreen Capital Management LLC since 2017 and previously worked at Arcturus Financial, LLC. Outside of her advisory role, she serves as an informal board member of SHE-CAN, a nonprofit focused on empowering low-opportunity women, and is a board member of Mesa de Vida, a food company. Evergreen Capital Management provides discretionary investment management, consulting, and financial planning services to individuals, trusts, endowments, and retirement plans. The firm employs a Dynamic Asset Allocation framework and an ETF-focused strategy called Right Cycle Investing, supported by independent investment committees and specialized strategies including subadvisers and derivatives when appropriate.

Guy Benstead is a financial advisor at KCM Investment Advisors with 32 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Shelton Capital Management, IMST Distributors, and Cedar Ridge Partners. He is also the managing member of Cedar Ridge GP, LLC, a private investment partnership. KCM Investment Advisors serves a diverse client base, including high-net-worth individuals, retirees, and institutional clients such as corporate pensions and endowments. The firm offers discretionary portfolio management and integrated financial planning, using customized allocations with fundamental, quantitative, and macro/cyclical analysis to align investments with client risk profiles.

Christopher Snyder is a financial advisor at The Mather Group, LLC with 20 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked for 16 years at Pillar Wealth Management, LLC. The Mather Group primarily serves high-net-worth individuals, family offices, trusts, corporations, and other entities by providing combined financial planning, investment management, tax and estate planning guidance, and family office services. The firm employs an evidence-based investment approach with multiple risk-based allocation models and integrates technology such as AI and machine learning to support portfolio construction and client communications.

Christopher Chatto is a financial advisor at Encompass More Asset Management LLC with 11 years of industry experience. He holds a Series 66 designation and has held various roles within the Encompass More affiliated entities since 2022, as well as prior positions at Verity Asset Management and Client One Securities. Outside of investment advisory, he is involved with Appreciation Financial, a fixed insurance agency in Danville, CA. Encompass More Asset Management LLC provides discretionary portfolio management, financial planning, and retirement-platform model services primarily to individual and high-net-worth clients. The firm employs model-based strategies combining proprietary models and third-party sub-advisers across a range of investment options, including equities, fixed income, private placements, and certain digital asset exposures.

April Antonio is a CFP® professional affiliated with Aspiriant LLC in San Francisco, CA, with one year of industry experience. She has been with Aspiriant since 2016 in various roles. Aspiriant primarily serves high-net-worth individuals and families, professional fiduciaries, and select institutional and retirement plan clients, providing investment management, wealth planning, family office, and specialty services. The firm emphasizes customized investment programs and expanded family office capabilities, including accounting and banking support.

Ralph Studley is a financial advisor at Concentric with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including New York Life and Schroder Investment Management North America. Studley serves on the board of the Westfield State University Foundation, which supports the university through fundraising and community engagement. Concentric provides discretionary sub-advisory portfolio management and model portfolio construction primarily to other registered investment advisers and financial institutions, using quantitative portfolio-optimization software combined with qualitative oversight to tailor investment solutions. The firm is notable for delivering most services through sub-advisory relationships, focusing on servicing other RIAs rather than direct retail clients.

Steven Herzog is a CFP® with 25 years of industry experience, currently serving at LNW since 2024. His prior roles include 18 years at WETHERBY ASSET MANAGEMENT and five years at Boulder Wave Capital Management LLC. He holds Series 63 and Series 65 licenses. LNW serves families and high-net-worth individuals with comprehensive wealth planning and investment management for trusts, estates, foundations, and endowments. The firm employs a disciplined strategic asset allocation with global diversification and a core-satellite approach, integrating third-party managers, tax-aware portfolio placement, alternative investments, and impact-investing options.

Todd Wellnitz is a financial advisor at Legacy Wealth Management, LLC with 2 years of industry experience. He has been involved with Wellguard Insurance Solutions, INC. since 2010. Legacy Wealth Management serves individual clients across wealth levels, charitable organizations, and business entities by providing portfolio management, financial planning, consulting, and related services including annuity and insurance solutions through affiliated partners. The firm uses a range of investment strategies, including in-house models and alternative investments, and offers customized portfolios based on clients’ goals and risk tolerances.

Ian Stern is a financial advisor at Citizens Private Wealth with 21 years of industry experience. He holds a Series 66 designation and has worked previously at Ameriprise, Comerica Bank, Comerica Securities, and Wells Fargo Investments. Stern is also a licensed real estate broker and owns Golden Bay Brokers, a real estate business. Citizens Private Wealth serves high-net-worth individuals, families, and institutions by providing discretionary and non-discretionary investment management, ERISA plan advisory, and estate and tax structuring services. The firm follows a long-term asset allocation approach within an open-architecture platform and benefits from its affiliation with Citizens Bank, offering additional banking and lending products.

Erich Jochimsen is a CFP® professional with one year of industry experience, currently serving at Destination Wealth Management. His prior roles include positions at Composition Wealth, Meritas Wealth Management, River City Bank, and service in the United States Army. He also worked at Boars Head Lounge and studied at the University of Georgia. Destination Wealth Management provides discretionary investment management and financial planning to a range of clients including individuals, high-net-worth clients, retirement plans, and charitable organizations. The firm uses an asset-allocation driven investment process combining fundamental research with thematic perspectives and offers estate planning and tax services through strategic partners.

Daniel Cassell is a CFA® charterholder with 16 years of industry experience. He has been with BakerAvenue Asset Management since 2015, including its predecessor entities, and previously worked at B|O|S for six years. He holds a Series 65 license and is based in San Francisco, CA. BakerAvenue Asset Management is an SEC-registered multi-team wealth manager serving individual, high-net-worth, and institutional clients. The firm offers discretionary portfolio management and comprehensive financial planning services, employing a range of quantitative, fundamental, and tactical strategies while emphasizing regular client communications.

Wanchira Disyaboot is a financial advisor at Encompass More Asset Management LLC with 13 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Transamerica Financial Advisors, Inc. and World Financial Group. Outside of advising, she serves as financial officer for the Thai American Chamber of Commerce of California and is involved in several non-investment-related business activities, including IT consulting and insurance referrals. Encompass More Asset Management LLC provides discretionary portfolio management and financial planning primarily for individual and high-net-worth clients. The firm employs model-based strategies combining proprietary models and third-party sub-advisers across a range of investment options, including equities, fixed income, private placements, and digital assets.

Sean Figueroa is a CFP® and CFA® with 13 years of industry experience, currently serving at Evergreen Capital Management LLC since 2017. Prior to this, he worked at Cypress Wealth Advisors and CIBC Private Wealth Advisors, Inc. He is based in San Francisco, CA. Evergreen Capital Management provides discretionary investment management, consulting, and financial planning to individuals, trusts, endowments, and pension and retirement plans. The firm uses a Dynamic Asset Allocation process and an ETF‑focused approach called Right Cycle Investing, combining multiple analytical methods and artificial intelligence, with portfolio decisions made by independent committees.

Bridget Mc Guire is a financial advisor at Parallel Advisors, LLC with a Series 65 credential and three years of industry experience. Prior to joining Parallel Advisors, she worked at Deloitte Consulting for three years. Parallel Advisors serves individuals, business entities, retirement plans, trusts, estates, and charitable organizations with discretionary portfolio management, financial planning, and retirement plan consulting. The firm employs a multi-strategy investment approach incorporating fixed income, mutual funds, ETFs, and independent managers, and integrates technology platforms for portfolio management and tax-efficient rebalancing.

Paul Clark is a financial advisor with 19 years of industry experience, currently with 1919 Investment Counsel, LLC. He holds Series 63 and Series 65 credentials. Prior to joining 1919, he worked at Washington Crossing Advisors LLC, Ziegler Capital Management, LLC, Stifel Nicolaus & Co Inc, and Thomas Weisel Partners LLC. 1919 Investment Counsel provides discretionary and non-discretionary investment management and wealth-planning services to individual and institutional clients, including high-net-worth individuals, endowments, foundations, and pension plans. The firm constructs customized portfolios focused on liquid mid- and large-cap equities and investment-grade fixed income, supported by proprietary and third-party research and periodic account reviews.