Clement Farias is a financial advisor with Citizens Private Wealth holding a Series 66 designation and four years of industry experience. His prior roles include positions at J.P. Morgan Securities, First Republic Securities Company, and First Republic Investment Management. He has also worked in professional sports organizations, including the Reno Aces and 1868 FC. Citizens Private Wealth is a multi-team registered investment adviser serving high-net-worth individuals, families, and various institutional clients. The firm focuses on long-term, tailored asset allocation within an open-architecture framework, offering both discretionary and non-discretionary portfolio management alongside tax, estate, and business consulting services.

Denise Mitchell is a financial advisor at Earned Wealth Advisors, LLC with one year of experience in the industry. She has worked as a Tax Manager at Thomas Doll CPAs since 1995, focusing on tax preparation. Earned Wealth Advisors serves individuals, high-net-worth clients, trusts, and employer-sponsored retirement plans, with a particular focus on doctors, dentists, and their practices. The firm offers financial planning, discretionary wealth management, and retirement-plan advisory services, utilizing diversified asset allocation informed by third-party consultants and an internal committee.

Eric Scaff is a financial advisor at Concorde Asset Management, LLC with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Concorde since 2014. Outside of his advisory role, he is president of CALSTRA Car Wash, a full-service car wash and quick lube business. Concorde Asset Management provides discretionary and non-discretionary investment management, financial planning, and access to third-party asset management programs for a diverse client base including individuals, corporate and charitable clients, and retirement plans. The firm emphasizes individualized asset allocation and model-based portfolio construction, offering a range of investment options including alternative and less liquid products.

Justina Lai is a financial advisor at LNW with 13 years of industry experience. She holds a Series 65 designation and has worked previously at Sonen Capital LLC and Wetherby Asset Management. Justina is based in San Francisco, CA. LNW serves families and high-net-worth individuals, providing comprehensive wealth planning and investment management for related entities including trusts, estates, and foundations. The firm employs a disciplined strategic asset allocation approach with global diversification and integrates alternative investments and impact-investing options where appropriate.

Kristie Cahill is a CFP® with 20 years of experience in the financial services industry. She is currently with CreativeOne Wealth, LLC and Haven Wealth Management, where she has worked since 2019. Prior to that, she was with Opes Advisors and Opes Wealth Management. CreativeOne Wealth, LLC provides fee-based asset management, financial planning, retirement plan consulting, and sub-advisory services to individuals, corporations, charitable organizations, and other RIAs. The firm uses a combination of proprietary ETF-based models, third-party managers, and option-based strategies, supported by quantitative and fundamental analyses.

Ramy Antar is a CFA® charterholder with 26 years of industry experience, currently serving at RBC Securities, Inc. He previously worked at City National Securities, Inc., City National Rochdale, and Fisher Investments, Inc. RBC Securities, Inc. provides wealth management and brokerage services to individuals, trusts, estates, IRAs, and retirement plans through its wrap-fee investment advisory program. The firm delegates investment management to an affiliated sub-advisor that constructs diversified portfolio strategies and delivers financial planning and ongoing reporting to clients.

Christopher Gallo is a financial advisor at Hilltop Securities Inc. with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Hilltop since 2013, following roles at UBS Financial Services, Wells Fargo Investments, and Citigroup Global Markets. Hilltop Securities serves individual and institutional clients through investment advisory and broker-dealer services, offering managed accounts, financial planning, and retirement-plan consulting. The firm combines custody, banking, and market-making capabilities and provides access to both third-party and firm-sponsored investment strategies.

Hugh Beecher is a financial advisor at Citizens Private Wealth with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at firms including JP Morgan Chase Bank, First Republic, Barclays Capital, and Credit Suisse. Citizens Private Wealth is a multi-team registered investment adviser serving high-net-worth individuals, families, and various institutional clients. The firm employs a long-term, open-architecture investment approach with discretionary portfolio management overseen by a Chief Investment Officer, and offers services including investment management, ERISA plan advisory, tax and estate structuring, and recently added Business Consulting Services for multigenerational family and closely held business matters.

Darin Fierstein is a financial advisor with Parallel Advisors, LLC in San Francisco, holding Series 63 and Series 65 licenses and five years of industry experience. Prior to joining Parallel Advisors in 2021, he worked at Rockefeller Capital Management and Boston Partners. 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 uses a range of investment strategies across fixed income, mutual funds, ETFs, and independent managers, and incorporates technology platforms for portfolio management and tax-efficient rebalancing.

Shih Hua Liu is a financial advisor at Arete Wealth Advisors, LLC with 13 years of industry experience. He holds the Series 66 designation and has worked with Portsmouth Financial Services, Inc. and Woodbury Financial Services, Inc. Prior to joining Arete Wealth Advisors, he managed his own DBA, SWM Financial. Arete Wealth Advisors provides investment advisory and financial planning services to a diverse client base, including individuals, pension and profit-sharing plans, trusts, estates, and charitable organizations. The firm employs both advisor-driven and proprietary model allocations and integrates affiliated financial businesses and product channels in its service offerings.

Audrey Grubman is a CFP® professional with 30 years of experience in financial advisory services. She currently works at NorthRock Partners, LLC and previously held positions at Parkside Advisors LLC and her own firm, Grubman Wealth Management. NorthRock Partners provides comprehensive wealth management and advisory services to a diverse client base including high-net-worth individuals, trusts, estates, and business entities. The firm employs a tailored, holistic investment approach emphasizing broad asset allocation, diversification, and the use of Independent Managers, while integrating private market allocations and utilizing AI tools to support investment decisions.

Andrew Wachner is a financial advisor with RBC Securities, Inc. in Concord, CA, holding a Series 66 designation and 13 years of industry experience. He has been with City National Securities, Inc. since 2014. Outside of his advisory role, Wachner serves as a board member for the Gehringer Park Recreation Club in his community. RBC Securities, Inc. provides wealth management and brokerage services to individuals, trusts, estates, IRAs, and retirement plans through its wrap-fee investment advisory program. The firm utilizes an affiliated sub-advisor for portfolio management and integrates a broad range of financial services through its affiliation with a bank parent and related entities.

Alex Scheel is a CFP® with six years of industry experience, currently serving as a financial advisor at Citizens Private Wealth in San Francisco. His prior experience includes roles at JPMorgan Chase Bank, J.P. Morgan Securities, Edward Jones, Morgan Stanley, and First Republic Investment Management. Scheel served in the United States Air Force for twelve years before starting his financial career. Citizens Private Wealth is a multi-team registered investment adviser that serves high-net-worth individuals, families, and various institutional clients. The firm employs a long-term, open-architecture investment approach with discretionary portfolio management overseen by a Chief Investment Officer, and it benefits from its affiliation with Citizens Bank, providing clients access to banking products and integrated wealth management services.

Sabina Pan is a Series 65-licensed advisor with Financial Gravity Family Office Services, LLC and has four years of industry experience. Prior to joining Financial Gravity in 2024, she worked at Avantax Advisory Services and New Home Professional. She is also the CEO of Bay CPA Plus, a public accounting and tax practice, a role she has held since 2016. Financial Gravity Family Office Services, LLC provides tailored financial planning, investment supervisory, and pension consulting services to individuals, high-net-worth clients, retirement plans, trusts, estates, and charitable organizations. The firm utilizes a combination of fundamental, technical, and cyclical analysis to construct diversified portfolios and frequently incorporates third-party sub-advisors and model portfolios.

John Lau is a CFP®-designated financial advisor with 28 years of industry experience. He is currently with Robertson Stephens Wealth Management, LLC and has prior experience at Fortune Financial Services, Inc and LFS Asset Management, LLC. He serves as a director for FIAT, a nonprofit organization focused on financial aptitude training. Robertson Stephens provides investment advisory services to individuals, families, trusts, charitable organizations, and retirement and profit-sharing plans, managing $8.76 billion in assets. The firm offers discretionary and non-discretionary portfolio management along with comprehensive planning services, utilizing in-house model portfolios and third-party managers across a range of investment strategies.

Michael Conway is a financial advisor with SVB Wealth LLC, holding Series 66 and Series 63 designations and 15 years of industry experience. His career includes roles at Silicon Valley Bank, Boston Private Wealth LLC, and Merrill, in addition to his ongoing work within the First Citizens and SVB Wealth organizations. SVB Wealth LLC provides wealth management, portfolio management, financial planning, and retirement plan advisory services to individuals, trusts, estates, charitable organizations, and corporate clients. The firm employs a structured investment approach that includes selecting and monitoring third-party managers through fundamental, quantitative, and technical analysis, supported by an Investment Committee.

John Pogue is a financial advisor with KCM Investment Advisors, holding Series 63 and Series 65 licenses and six years of industry experience. He has been with KCM Investment Advisors since 2003. KCM Investment Advisors serves high-net-worth individuals, retirees, and institutional clients including pension plans, foundations, and endowments, offering discretionary portfolio management and integrated financial planning. The firm provides customized portfolio solutions combining equities, ETFs, and investment-grade fixed income, with a focus on tailored asset allocation, rebalancing, and a mix of long-term and trading strategies supported by fundamental and quantitative analysis.

Sandra Bragar is a CFP® professional with 20 years of experience in financial advising, currently with Aspiriant, LLC in San Francisco. She has been with Aspiriant since 2008 in various roles and continues to serve clients through the firm. Aspiriant primarily serves high-net-worth individuals, families, professional fiduciaries, and select institutional and retirement plan clients. The firm offers a range of wealth management services including discretionary investment management, wealth planning, family office services, and specialized consulting, supported by customized investment programs and a variety of implementation options.

Steven Gasparini is a financial advisor at Destination Wealth Management in Walnut Creek, CA, holding the CFP® and CFA® designations with 10 years of industry experience. His prior roles include positions at Creative Planning, LLC, Sullivan, Bruyette, Speros & Blayney, LLC, Eaglestone Wealth Advisors, Inc., and Triad Advisors, Inc. Destination Wealth Management offers discretionary investment management and financial planning to individuals, high-net-worth clients, retirement plans, trusts, estates, charitable organizations, and business entities. The firm employs an asset-allocation driven investment process that integrates fundamental research with thematic, longer-term perspectives and provides estate planning and tax services through strategic partner relationships.

John Werhan is a financial advisor with Earned Wealth Advisors, LLC, holding the PFS™ designation and Series 65 license. He has 26 years of industry experience, including previous roles at Capital Performance Advisors LLP and PensionOne Advisors, Inc. Outside of his advisory work, he is involved with TWD Payroll, Inc., a business he has been associated with for over a decade. Earned Wealth Advisors serves individuals, high-net-worth clients, trusts, and employer-sponsored retirement plans, with a focus on doctors, dentists, and their practices. The firm provides financial planning, discretionary wealth management, and specialized retirement-plan advisory services, utilizing a diversified investment approach informed by both internal and third-party expertise.