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.

Nathaniel Sarkar is a Branch Leader at Fidelity Investments, a position he has held since 2023. In this role, he is responsible for overseeing branch operations and supporting clients in achieving their financial goals. Prior to joining Fidelity Investments, Nathaniel worked at Morgan Stanley as a Business Service Officer from 2022 to 2023. He also gained experience as a Registered Associate at Wells Fargo Advisors between 2017 and 2022. Nathaniel holds a California Insurance License, which supports his work in the financial services industry. His professional approach centers on assisting clients in striving toward their financial objectives.

Mark Torres is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at Mayfield Advisors, Inc. He previously worked at The Vanguard Group and has been affiliated with Morgan Stanley and its Private Bank since 2019. Mayfield Advisors provides discretionary investment management, financial planning, and retirement-plan advisory services to individuals, trusts, estates, and small businesses. The firm’s investment approach emphasizes diversified, passively managed portfolios grounded in Modern Portfolio Theory and includes collaboration with an affiliated accounting firm for integrated advisory and tax services.

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.

Kai Leung Cheung is a CFA® charterholder and holds a Series 66 license, with 12 years of industry experience. He currently works at Pension Maxima Investment Advisory, Inc. and previously held roles at Sand Hill Real Estate and Investment, Inc. and Manphil Mortgage & Realty. Outside of his advisory work, he is involved as a mortgage loan originator and realtor/broker, as well as an insurance agent. Pension Maxima serves pension, profit-sharing, and 401(k) plan sponsors along with individual clients, focusing on plan-level advisory services including pension consulting, financial planning, and model portfolio management. The firm emphasizes developing written investment policy statements and selecting mutual fund lineups, while providing participant education and ongoing monitoring of managers and portfolios.

Laddi Jhuty is a CFP® professional with 16 years of industry experience, currently serving at NRI Wealth Management, LLC in Santa Clara, CA. He has been with the firm since 2012 and is also involved with NRI Life Insurance, LLC as an insurance agent. NRI Wealth Management provides investment advisory and financial planning services to individual and high-net-worth clients, as well as retirement plans. The firm offers discretionary portfolio management and ERISA 3(38) plan services, utilizing diversified strategies and regular portfolio monitoring.

Thomas Vaughan is a financial advisor at Retirement Capital Strategies, Inc. in San Jose, CA, holding a Series 63 designation with 36 years of industry experience. He has been with Retirement Capital Strategies since 2016 and maintains an affiliation with LPL Financial LLC since 2015. Retirement Capital Strategies serves individual and high-net-worth clients, providing financial and retirement planning alongside discretionary investment management. The firm employs a passive, index-based approach using primarily ETFs across multiple risk levels and offers specialized services including management of variable annuity sub-accounts, 529 college-savings plans, and employer-sponsored retirement plan investments.

Mark Kalinowsky is a financial advisor at Kalinowsky Asset Management in San Jose, CA, holding a Series 66 designation with 15 years of industry experience. He has worked at Pollock Investment Advisory Corp., doing business as KAMcorp, since 2014. Kalinowsky Asset Management provides personalized financial planning and discretionary investment management to individuals, high-net-worth clients, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm employs a long-term, strategic asset allocation approach centered on passive index mutual funds and ETFs, offering comprehensive planning services and regular portfolio monitoring.

Zachariah Kline is an advisor at Capstone Wealth Management Corp. in San Jose, CA, holding a Series 65 designation with one year of industry experience. His background includes roles at Mount Sinai Health System and Advocate Aurora Health, as well as military service with the U.S. Army from 2018 to 2024. Capstone Wealth Management Corp. provides discretionary and non-discretionary investment management and financial planning services to individuals, pension and profit-sharing plans, charitable organizations, and corporations. The firm employs an asset allocation framework focused on growth, incorporating tactical allocation and earnings-based equity screening, and offers strategies ranging from long-term buy-and-hold to shorter-term trading.

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.

Easan Arulanantham is a financial advisor at Retirement Capital Strategies, Inc. with six years of industry experience. He holds a Series 65 designation and has worked at Retirement Capital Strategies since 2020, following earlier roles at AcademyX and Innit. Retirement Capital Strategies provides financial and retirement planning along with discretionary investment management services to individuals and high-net-worth clients, as well as advisory services for employer-sponsored retirement plans, variable annuity sub-accounts, and 529 college-savings plans. The firm employs a predominantly passive, ETF-based approach with multiple customized model portfolios and uses tools such as MoneyGuidePro, RightCapital, Riskalyze, and iRebal for portfolio management and rebalancing.

Zhijie Zhuang is a financial advisor at InsideOut Wealth Strategies, LLC with one year of industry experience. He holds a Series 65 credential and previously worked for three years at Greentech Renewables. InsideOut Wealth Strategies serves individuals, high-net-worth clients, trusts, estates, and small business entities with discretionary asset management and ERISA retirement-plan advisory services. The firm uses a multi-method investment approach incorporating decision analysis, cyclical analysis, fundamental and technical tools, and modern portfolio theory to manage portfolios on a discretionary basis.

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.

Garth Williams is a Certified Financial Planner® with 19 years of industry experience. He has worked at Honu Wealth Management since 2006, following prior roles at Hanvey Financial and Raymond James Financial Services. Honu Wealth Management serves individuals, including high-net-worth clients, as well as pension plans, trusts, charitable organizations, and business entities. The firm emphasizes low-cost, asset-allocation investment strategies grounded in academic research and offers discretionary portfolio management using equities, bonds, mutual funds, and ETFs, with potential use of margin, short sales, and option-writing.

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.

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 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.

Cynthia Flannigan is a CFP® professional at MainStreet Financial Planning, Inc. in Los Gatos, CA, with eight years of industry experience. She worked at Evercore Wealth Management for six years before joining MainStreet Financial Planning in 2018. MainStreet Financial Planning provides fee-only, advice-only financial planning and consultation to individuals, families, business owners, and nonprofit employers. The firm focuses on comprehensive planning and favors a long-term, low-cost passive investing approach, delivering advice through multi-session planning engagements and educational programs.

Jeffrey Clark is a CFP® professional with nine years of industry experience, currently serving as an advisor at Redwood Money since 2021. Prior to this, he worked at BrightPlan LLC for five years and has held roles at ETL Property Management and Calvary Church of Los Gatos. His outside activities include managing real estate investments through ABK Property, LLC, which at times requires active involvement. Redwood Money serves individual and high-net-worth clients, charitable organizations, and businesses by providing discretionary investment management and financial planning services. The firm focuses on passive, goal-based asset allocation using low-cost, index-tracking ETFs and offers educational seminars and employer-facing presentations.