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.

Elyse Sanchez is a Certified Financial Planner (CFP®) with 10 years of industry experience. She has worked at Shum Financial Group, Inc. since 2016 and previously spent a year at Girard Securities, Inc. She holds a Series 66 license and is based in Alameda, CA. Shum Financial Group serves individuals, businesses, and charitable organizations with fee-based investment management, financial planning, and retirement-plan services. The firm employs fundamental analysis and documented investment policy statements in its investment decisions and offers both discretionary and non-discretionary portfolio management, including managed variable annuity and variable life accounts.

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.

Harrison Lazarus, Jr. is a financial advisor with Harrison Lazarus Advisors, Inc. in San Francisco, CA, holding a Series 65 designation and 18 years of industry experience. He has been with his current firm since 2007. The firm provides investment advisory and financial planning services to individuals, high-net-worth clients, and business entities, managing most client assets on a non-discretionary basis with a focus on mutual fund–based asset-class allocations and periodic rebalancing. It is affiliated with a separate CPA/accounting practice operated by the principal, offering tax and accounting services under a separate agreement.

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.

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.

Josh Schein is a financial advisor at Global Key Advisors with 29 years of industry experience. He holds Series 63 and Series 65 designations and has held roles at Morgan Stanley and Citigroup Global Markets. Outside of advising, he is a general partner in an energy equipment fund and serves on the advisory board of a venture studio focused on disaster mitigation. Global Key Management provides integrated financial planning and investment management services to individuals, families, trusts, foundations, and family offices, utilizing separately managed account portfolios with a statistically driven investment process that emphasizes proprietary data analysis and concentrated long-only models.

Susan Gavrich is a CFP® professional with nine years of industry experience. She is affiliated with MoneyWell, where she has worked since 1998, and also has experience with Seasonal Strategy since 2018. MoneyWell provides discretionary investment management and financial planning primarily to individuals, families, trusts, and pension plans, typically serving clients with $1 million to $7 million in investable assets. The firm employs a lower-volatility “SuperDiversification” approach, using a mix of conventional asset classes and diversifiers, and incorporates a subadvisor arrangement to access specialized strategies for larger accounts.

James Murray is a CFA® charterholder with 17 years of industry experience. He has been with Phocas Financial Corporation since 2005. The firm provides discretionary investment advisory and portfolio management services to institutional and private clients, including pooled investment vehicles and government entities. Phocas emphasizes fundamental research combined with quantitative analysis, managing strategies such as U.S. Small Cap Value, REITs, and Equity Income, and is noted for its minority-owned status and service to a select client base.

Wanwan Hong is a financial advisor at Asia Global Asset Management, Inc. with 11 years of industry experience. She holds a Series 65 designation and has been with Asia Global Asset Management since 2014. In addition to her advisory role, she operates as a sole proprietor in fixed insurance and indexed annuities sales. Asia Global Asset Management serves a diverse client base including individuals, pension plans, trusts, and charitable organizations by providing financial planning and facilitating relationships with independent third-party investment managers. The firm emphasizes a data-driven discovery process and relies primarily on outside managers for portfolio management and custody.

Christopher Caruso is a financial advisor at Veritas Wealth Partners, LLC with 11 years of industry experience. He previously worked at Glovista Investments LLC and Citigroup Global Markets. Caruso holds Series 63, Series 65, and Series 66 licenses. Veritas Wealth Partners provides discretionary wealth management, financial planning, and consulting services to individuals, trusts, estates, charitable organizations, corporations, and other business entities. The firm emphasizes asset allocation in its investment approach and manages client portfolios using mutual funds, ETFs, individual securities, and private placements, serving a notable non-U.S. client base.

Cliff Shum is a CFP® professional with 27 years of industry experience, currently serving as an advisor at Shum Financial Group, Inc. since 2016. He previously operated as a sole proprietor and worked at Girard Securities, Inc. from 2013 to 2017. Outside of his advisory role, he maintains a limited insurance practice. Shum Financial Group serves individuals, businesses, and charitable organizations with portfolio management, financial planning, and retirement plan advisory services. The firm employs a fundamental analysis approach with written investment policies and quarterly reviews, and it is notable for permitting the use of derivatives and margin in separately managed accounts.

Randy Tam is a financial advisor at Beyond Wealth Advisory LLC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Ameriprise Financial Services, Inc. for 14 years. Outside of advisory roles, he co-owns a tax preparation business with his spouse and serves as an independent insurance agent in South San Francisco. Beyond Wealth Advisory serves individual and high-net-worth clients as well as trusts, pension, and corporate clients. The firm provides discretionary asset management and comprehensive portfolio management alongside standalone financial planning and consulting, employing a range of analytical methods and asset-allocation strategies tailored to client objectives.

Roger Wittlin is a financial advisor at Wittlin Advisory with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including True Capital, Monroe Capital, and PCCP. Wittlin Advisory is a fee-only investment management firm serving high-net-worth individuals, families, and foundations, with a notably international client base. The firm provides discretionary and non-discretionary portfolio management, utilizing fundamental analysis and ongoing monitoring to guide asset allocation, including traditional funds, private placements, and digital assets.

Miho Hatori is a financial advisor at Asset Planning and Protection LLC (APP) with 19 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at LPL Financial from 2013 to 2022. Hatori is also involved in non-variable insurance services through multiple insurance agencies. APP is a small independent registered investment adviser serving individual investors, including high-net-worth clients, and pension/profit-sharing plans. The firm provides portfolio management, financial planning, consulting, and pension plan services, employing a range of analytical methods and focusing on long-term investment strategies.

James Sanford is a financial advisor at Balanced Plan Financial Investment Advisors, Inc. with four years of industry experience. He holds Series 65 and Series 63 licenses and has worked at World Equity Group, Inc. and CSP Financial Group LLC. Outside of advisory roles, he has operated as a licensed general contractor and independent insurance agent. Balanced Plan Financial Investment Advisors, Inc. manages approximately $48.8 million for nearly 150 clients, including individuals, high-net-worth clients, small businesses, trusts, and estates. The firm offers tailored investment programs using a combination of fundamental, technical, quantitative, and modern portfolio theory approaches, and may delegate management to sub-advisors or third-party managers.

Valerija Martinovic is a financial advisor at Global Key Advisors with Series 63 and Series 65 licenses and two years of industry experience. She has worked at several firms, including Global Insight Advisors and ESG Planning, and has a background that includes roles in various educational institutions. Outside of advisory work, she holds life insurance, mortgage loan origination, and real estate salesperson licenses and is affiliated with Mortgage Magic in Santa Clara, CA. Global Key Advisors provides financial planning and investment management primarily through separately managed accounts branded InsideTrack®. The firm uses statistically driven, nonstandard analysis and proprietary tools to identify risks and opportunities, serving a range of clients from individuals to family offices.

Stephen McCarthy is a CFP® professional with 20 years of experience in financial advising. He has led McCarthy Asset Management, Inc. since 2004 and has operated a CPA practice since 1986. McCarthy Asset Management serves individuals, trusts, small businesses, and pension plans, managing approximately $378 million in discretionary assets. The firm offers customized portfolio management and financial planning, integrating tax preparation and planning through its principals’ CPA credentials.

Heather Knuff is a CFA® charterholder and principal at Knuff & Company LLC with five years of industry experience. She has worked at Knuff & Company since 2018 and previously spent 19 years at Fiduciary Trust Company. Knuff & Company advises high-net-worth individuals, families, charities, endowments, and an affiliated private pooled investment vehicle. The firm uses a goals-driven asset allocation process with a focus on value-oriented and event-driven strategies, combining discretionary portfolio management through Unified Managed Accounts with private fund management.