Raymond Chung is the sole advisor at Emerald Waves Investments, LLC, an independent firm based in Cupertino, CA. He holds the CFA® designation and Series 63 license and has 15 years of industry experience. He has led Emerald Waves Investments since 2010. Emerald Waves Investments provides fee-based investment advisory services and integrated financial planning, offering discretionary portfolio management for individuals, institutional clients such as pension and profit-sharing plans, trusts, estates, charitable organizations, and corporate entities. The firm employs a tactical allocation framework centered on an active long/short strategy, tailoring portfolio allocations to each client’s objectives and constraints.

Thomas Lo is a CFP® and Series 65-licensed financial advisor with 12 years of industry experience. He has worked at Aspiriant from 2015 to 2018 and has been with Vested Financial Planning, LLC since 2018. Vested Financial Planning is a single-advisor SEC-registered investment adviser serving primarily individual and high-net-worth clients. The firm combines passive portfolio construction with fundamental analysis and selective use of outside managers and ETFs, focusing on discretionary portfolio management, comprehensive financial planning, and employee equity planning.

Renata Carico is a CFP®-certified financial advisor with 13 years of industry experience. She is the principal of Carico Private Wealth Management, an independent firm she founded after working at several firms including LPL Financial, Stratos Wealth Partners, and Charles Schwab. Outside of her advisory work, she volunteers for Grace Church of the Bay Area, assisting with church financial accounts. Carico Private Wealth Management serves individual and high-net-worth clients, providing wealth and investment management, financial planning, and tax return preparation. The firm employs an investment approach based on asset allocation and Modern Portfolio Theory, combining passive and active strategies, and is notable for offering performance-based fee arrangements alongside traditional advisory services.

Yen Wu is a financial advisor at 1N Capital, LLC with 17 years of industry experience. He holds a Series 66 designation and has worked at firms including Intellectus Partners, OceanIQ Capital, Robertson Stephens, Credit Suisse Securities, and Morgan Stanley. 1N Capital serves high-net-worth individuals, trusts, estates, charitable organizations, business entities, and institutional clients, including a significant number of non-U.S. investors. The firm provides discretionary investment management and consulting, utilizing a combination of fundamental, technical, and charting analysis alongside manager due diligence, and offers a wide range of strategies and asset allocations tailored to clients’ risk profiles and investment goals.

Ryan Dearkland is a financial advisor with Viridian Way LLC, holding a Series 65 designation and six years of industry experience. He has worked with several firms, including Relentless Enterprises Inc and Violet Creek LLC, and is also a partner in a business management company. Viridian Way LLC provides portfolio management and financial planning services to individual and high-net-worth clients, with tailored strategies for business owners that encompass profit distribution, cash-flow projections, and exit planning. The firm combines fundamental analysis with modern portfolio theory in a long-term trading approach and offers both discretionary and non-discretionary account management.

Christopher Lazaro is a financial advisor at Tandem Private Wealth, LLC in Palo Alto, CA, holding a Series 65 designation. He has one year of experience in advisory services and has prior roles at Skyview Pinnacle, Inc. and various licensed positions in real estate, mortgage loan marketing, and insurance. Outside of advisory work, Lazaro is a licensed real estate broker and operates his own real estate company. Tandem Private Wealth provides asset management and financial planning to individuals, high-net-worth clients, and retirement plan sponsors. The firm combines fundamental and technical analysis with modern portfolio theory to create diversified portfolios aligned with client risk profiles, offering discretionary management and standalone planning services.

Hasnain Karim is a CFA® charterholder and the sole advisor at Kilimanjaro Capital, LLC, an independent firm based in San Mateo, CA. He has 16 years of industry experience and has been with Kilimanjaro Capital since 2009. Kilimanjaro Capital manages discretionary investment accounts primarily for individuals using two principal strategies: a long/short strategy and a long-only strategy. The firm employs an opportunistic, value-oriented approach that includes hedging, derivatives, and short-selling in its long/short strategy, with a focus on securities trading below intrinsic value and a typical investment horizon of one to five years.

Hooman Altafi is the principal of Alta Financial Group, an independent advisory firm based in Campbell, CA, with 18 years of industry experience. He holds Series 65 and Series 63 licenses and has worked with Premier Lending Inc, Star LLC, and Seven Media Group. In addition to his advisory role, he is licensed as a real estate broker, mortgage broker, and insurance broker. Alta Financial Group serves individual investors, families, trusts, charitable institutions, and corporate retirement plans, providing investment management and financial planning services. The firm employs an asset-allocation approach emphasizing low-cost mutual funds and ETFs, with discretionary management and ongoing portfolio oversight.

Todd Wilson is the sole advisor at Portola Creek Capital in Menlo Park, CA, holding Series 63 and Series 65 licenses with 19 years of industry experience. He has been with Portola Creek Capital since 2017 and previously worked at Grow Capital Management. Portola Creek Capital provides fee-only investment advisory services to individuals as well as institutional and entity clients, including pension and profit-sharing plans and charitable organizations. The firm employs a combination of fundamental, technical, and cyclical analysis, offering both discretionary and non-discretionary portfolio management alongside financial planning at no additional charge.

Hengfu Hsu is the principal of Analytic Investment Management LLC in Cupertino, CA, holding Series 63 and Series 65 licenses with 19 years of industry experience. He previously worked at Xunuo USA Holdings, Inc. and has been a California insurance agent since 2006, providing insurance services outside of his advisory work. Analytic Investment Management LLC offers fee-based wealth management and discretionary portfolio management primarily to high-net-worth individuals and institutional clients. The firm uses proprietary algorithmic strategies to manage portfolios through rules-based models and active trading, focusing on separately managed accounts and consulting services such as retirement planning and stock option analysis.

Eric Hickok is a financial advisor at Hickok Advisory, LLC with five years of industry experience. He holds Series 65 and Series 66 licenses and has worked previously at Wells Fargo and Shooter Financial, Inc. Outside of advising, he is involved in tax law as an attorney and operates a tax business, in addition to maintaining an active real estate license. Hickok Advisory provides asset management and financial planning services to individuals, trusts, estates, charitable organizations, and business entities. The firm uses a combination of fundamental and cyclical analysis to develop customized investment strategies and offers both discretionary and non-discretionary account management alongside comprehensive financial planning.

James Rukstalis is a CFP® and ChFC® with nine years of industry experience, currently serving as an advisor at Altura Wealth Advisors Inc. He has worked in financial services since 2008, including roles at J.R. Financial and Freedom Insurance Solutions, where he also acts as president. Outside of advisory work, Rukstalis is involved in insurance sales, real estate sales, mortgage loan origination, and holds a notary public commission. Altura Wealth Advisors is a four-advisor SEC-registered team managing approximately $169 million for around 400 individual and high-net-worth clients. The firm emphasizes a long-term, largely passive investment approach using ETF and mutual fund allocations, with discretionary management and periodic rebalancing, while also offering financial planning and insurance-related services through affiliated entities.

Kent Seymour is a CFA® charterholder with 24 years of industry experience. He has been the sole advisor at Menlo Advisors LLC since 2002, based in Menlo Park, CA. Menlo Advisors LLC provides discretionary investment management and limited financial planning services to individuals, high-net-worth clients, trusts, and estates, tailoring portfolios to client objectives and liquidity needs. The firm also manages pooled investment vehicles and occasionally advises unaccredited investors on private offerings, employing a range of investment strategies including fundamental, technical, and cyclical analysis across various asset classes.

Ian Hildreth is a financial advisor at Altos Financial Management, LLC with four years of industry experience. He holds a Series 65 designation and has served as Chief Technology Officer of AWPRX, a pharmacy benefits management company, since 2011. In this role, he manages software and provides business consultation. Altos Financial Management serves individual and high-net-worth clients, as well as trusts, estates, pension and profit-sharing plans, charitable organizations, and business entities. The firm provides discretionary portfolio management using a macro-driven investment approach and offers additional investment-related research and planning services on an hourly basis.

Asaph Elan is a financial advisor at Equilibrium Wealth LLC based in San Carlos, CA, holding a Series 66 designation with 12 years of industry experience. His prior work includes positions at The Prudential Insurance Company of America and Bank of America, as well as managing an investment advisory firm in Israel. He is also a licensed insurance agent providing term life and disability insurance. Equilibrium Wealth LLC offers discretionary investment management and financial planning services to individuals, high net worth clients, trusts, estates, and small businesses. The firm employs a customized, primarily long-term investment approach using a mix of fundamental and technical analysis to construct diversified portfolios across various asset classes.

Charles Lee is a financial advisor at Lexington Avenue Capital Management, LLC with nine years of industry experience. He holds a Series 65 designation and has been with Lexington Avenue since 2020, following seven years as a self-employed advisor. Lexington Avenue Capital Management provides portfolio management, financial planning, and pension-consulting services to individuals, trusts and estates, small businesses, retirement plans, corporations, and nonprofit organizations. The firm employs a long-term, diversified investment approach using low-fee passive mutual funds and ETFs, while incorporating behavioral finance insights and tailored recommendations based on clients’ broader life circumstances.

Stephen Rice is a ChFC® credentialed financial advisor with 25 years of industry experience. He has been with Rice Financial Consulting, Inc. since 2003. Rice serves on the board and as treasurer of the Los Gatos Monte Sereno Police Foundation, a 501(c)(3) charitable organization supporting local police equipment and training. Rice Financial Consulting, Inc. provides advisory services to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporations. The firm employs a referral and manager-selection model, overseeing approximately $230.7 million for about 336 clients through a five-adviser team, and emphasizes long-term strategies within a fiduciary framework while working primarily on a non-discretionary basis.

Daniel Binn is a financial advisor with Private Portfolios, Inc. in San Mateo, CA, holding Series 63 and Series 66 credentials and bringing 33 years of industry experience. He has worked with Private Portfolios since 2000 and Securities America, Inc. from 2000 to 2024. In addition to his advisory role, he is involved in insurance sales, including variable and indexed annuities. Private Portfolios, Inc. offers fee-based investment advisory and financial planning services to individuals, trusts, pension plans, and corporate clients. The firm emphasizes diversified portfolios through model asset allocation and individualized discretionary management, operating a sponsored wrap-fee Wealth Management Platform and providing specialized educational workshops.

Evan Hirano is a CFP® and CFA® with 10 years of experience in the financial industry. He currently works at Mok Capital Management and has prior experience at Purshe Kaplan Sterling Investments. Mok Capital Management provides investment advisory and financial planning services to individuals, trusts, charities, foundations, pension and profit-sharing plans, and business entities. The firm uses a value-oriented investment approach combining fundamental and technical analysis, managing portfolios that may include individual stocks, bonds, ETFs, and limited options strategies.

Keh Shiou Leu is a financial advisor at InsideOut Wealth Strategies, LLC with 22 years of industry experience. He holds a Series 66 designation and has previously worked at LPL Financial and Northwestern Mutual Investment Management. He also operated his own consulting business, LKS Financial Management & Consulting, for ten years. InsideOut Wealth Strategies serves individuals, trusts, estates, and small businesses, providing discretionary asset management and ERISA retirement-plan advisory services. The firm employs a multi-method investment approach combining decision analysis, cyclical analysis, fundamental and technical tools, and portfolio theory to manage accounts on a discretionary basis.