David Flowers is a CFP® professional with 23 years of experience in financial advising. He has led D.A. Flowers & Company, LLC since 2009, providing investment management and personal financial planning services. D.A. Flowers & Company offers fee-only investment management and financial planning to individuals, pension plans, trusts, estates, and charitable organizations. The firm uses a Modern Portfolio Theory approach focused on diversification, low costs, and tax efficiency, with structured planning engagements and regular client account reviews.

Roman Polnar is a financial advisor at Pillar6 Advisors, LLC in San Francisco, CA, with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Pillar6 Advisors since 2010. Additionally, he is a licensed insurance agent in California. Pillar6 Advisors provides portfolio management and comprehensive financial planning services to individuals, including high-net-worth clients, as well as pension and profit-sharing plans and business entities. The firm employs both fundamental and technical analysis, offering tailored investment strategies and regular portfolio monitoring on a discretionary or non-discretionary basis.

Matthew Shelton is the principal advisor at Shelton Financial Advisors, LLC, an independent firm based in Mill Valley, CA. He holds a Series 63 designation and has 25 years of experience in the financial industry, operating his own advisory business since 2000. Shelton has led Shelton Financial Advisors since its founding in 2001. Shelton Financial Advisors, LLC provides discretionary portfolio management and investment advice primarily to high-net-worth individuals. The firm employs a globally diversified, buy-and-hold investment approach across equities and fixed income, tailoring allocations based on each client’s risk tolerance, age, and net worth.

Wenjing He is a financial advisor at Wen Capital Advisory Group, Inc. with 17 years of industry experience. She holds a Series 66 designation and has led her independent firm since 2012. Outside of advisory services, she is also a licensed insurance agent. Wen Capital Advisory Group serves individuals, high-net-worth clients, charities, corporations, and pension or profit-sharing plans by providing financial planning and portfolio management. The firm emphasizes customized asset allocation and fundamental analysis, offering both direct management and co-adviser arrangements, and incorporates nontraditional investments and insurance products in its client programs.

Farzad Khoshnoodi is a financial advisor at Stryker Financial with 21 years of industry experience and holds a Series 66 designation. His career includes over two decades working with various insurance carriers alongside his roles at Stryker Financial. In addition to advisory work, he sells health insurance products for multiple companies. Stryker Financial offers portfolio management services to individuals, high-net-worth clients, and employer-sponsored retirement plans, including 401(k) and 529 college savings accounts. The firm focuses on fundamental analysis and long-term planning tailored to client risk tolerance, providing both discretionary and non-discretionary management with regular communication and annual reviews.

Joe Caldwell is a CFA® charterholder with 24 years of industry experience. He has been the principal advisor at The Investment and Philanthropy Corporation in Sausalito, CA since 2001. The Investment and Philanthropy Corporation provides investment supervisory and portfolio management services to individuals, high-net-worth clients, charitable institutions, profit-sharing plans, private foundations, endowments, and trusts. The firm uses a broadly diversified strategy focused on exchange-traded funds and individual stocks, supported by a proprietary statistical model called the PentaMarket, and emphasizes tailored allocations and limited trading to manage costs and tax effects.

Jessi Hawk is a financial advisor with Hawk Capital Wealth Management LLC in Walnut Creek, CA. She holds the ChFC® designation and the Series 66 license, and has 18 years of industry experience. Her career includes roles at Bank of America, Merrill, Scottrade, and her own sole proprietorship. Hawk Capital Wealth Management LLC provides asset management, financial planning, and ERISA-focused retirement-plan services primarily to individuals, trusts, estates, and qualified retirement plans. The firm operates mostly on a non-discretionary basis, utilizing technical and cyclical analysis alongside long-term strategies, and offers fiduciary consulting and 3(38) investment management services for retirement plans.

Byron Ruby is a financial advisor at FIRN Advisors LLC with a Series 65 designation and two years of industry experience. His prior work includes roles at Katz Ruby & Carle LLP, Firn, Inc., the Federal Judiciary, and McKinsey & Co. He has experience in environmental law and clean technology. FIRN Advisors LLC provides discretionary portfolio management and advisory services primarily to individuals and families, employing a long-term, buy-and-hold investment approach focused on diversified, low-cost ETFs, blue-chip equities, and investment-grade fixed income, with selective use of alternatives. The firm offers tailored portfolios, periodic rebalancing, and optional tax-loss harvesting.

Cheryl Vesely is a CFP® professional with 11 years of industry experience, currently serving as the sole advisor at Balance Financial Planning, LLC since 2014. She holds a Series 65 license and operates her independent firm from Oakland, California. Balance Financial Planning, LLC provides fee-only financial planning, cash-flow and tax planning, and investment management primarily for individual clients, including high-net-worth individuals. The firm emphasizes diversification and low-cost, passive investment vehicles, using an interactive planning process to align asset allocation with clients’ goals, time horizons, and risk tolerance.

Ryan Bird is the sole advisor at Pioneer Advisory, an independent firm based in Moraga, CA. He holds a Series 66 designation and has 23 years of industry experience. Bird has been operating under his own firm since 2012. He is also a licensed insurance agent and conducts insurance transactions as part of his practice. Pioneer Advisory serves individual investors, trusts, estates, pension and profit-sharing plans, charitable organizations, and business entities. The firm provides portfolio management and comprehensive financial planning with a non-discretionary approach, primarily using traditional investment instruments and working with third-party managers who often have discretionary authority.

Kristopher Van Stralen is a financial advisor at Evidencial Financial Consulting in Orinda, CA, with nine years of industry experience. He holds the ChFC® designation and a Series 63 license. His prior roles include positions at VR Advisors, Creekside Partners Financial Advisers, and the American College of Financial Services. Evidencial Financial Consulting provides personalized financial planning and non-discretionary asset management to individuals, trusts, estates, and charitable organizations. The firm uses fundamental analysis and a combination of long- and short-term strategies with a predominately non-discretionary management approach, allowing clients to retain trading authority.

Faruk Jaffer is a CFP® and ChFC® with nine years of industry experience, affiliated with Index Gurus, Inc. He has previously taught at UC Berkeley and UCSC Extension Silicon Valley. Index Gurus, Inc. is an independent, fee-only registered investment adviser serving individuals, small businesses, trusts, estates, charitable organizations, and certain institutional clients. The firm focuses on passive, asset-class investing using ETFs, index funds, and fixed income, offering comprehensive financial planning and portfolio management primarily on a non-discretionary basis.

Jeffrey Kamys is a Series 65-licensed advisor with five years of industry experience. He is the principal of Inherent Wealth Fund, LLC in San Francisco and has previously worked at Baseline Investments. Outside of financial advising, he owns and operates a design and branding business, Inherent, Inc. Inherent Wealth Fund provides discretionary portfolio management and investment advisory services primarily to individuals, high-net-worth individuals, and business entities. The firm focuses on equities and exchange-traded funds, utilizing both fundamental and technical analysis with varied trading strategies implemented under discretionary authority.

James Audley is a financial advisor at Argent Wealth Advisors, LLC in Lafayette, CA, holding Series 63 and Series 65 licenses with 32 years of industry experience. He has been with Argent Wealth Advisors since 2014. Argent Wealth Advisors is an independent, fee-only investment adviser serving individuals, trusts, charitable organizations, and corporate clients. The firm applies academically grounded principles and Modern Portfolio Theory to develop diversified portfolios primarily using institutional no-load mutual funds and ETFs, focusing on non-discretionary management and client-approved transactions.

Stacy Daher is a financial advisor at Tiburon Financial Advisors, Inc. with seven years of industry experience. She holds a Series 65 designation and has served as Associate Vice President for Finance & Treasury at the University of San Francisco since 2002. Tiburon Financial Advisors is an independent advisory firm serving high-net-worth individuals and nonprofit organizations with integrated financial planning, investment advisory services, tax return preparation, and family office support. The firm employs a strategic asset allocation process combining passive and active management and offers both discretionary and non-discretionary portfolio management.

Theodore Broomfield is the principal of Broomfield Advisory & Management in San Francisco, holding a Series 65 designation with two years of industry experience. He has worked at Urchin Capital Partners, LLC since 2007 and Robert Half International since 2005. In addition to his advisory role, he operates a solo law firm specializing in real estate, tax, and business law. Broomfield Advisory & Management provides investment advisory and management services primarily to high-net-worth individuals. The firm’s approach integrates national and global macroeconomic analysis with fundamental and technical evaluation of securities, offering both discretionary and non-discretionary services tailored to client risk tolerance and financial needs.

John Gough is the Managing Member of KTE Capital Management, LLC, an independent advisory firm based in Kensington, CA. He holds Series 63 and Series 65 licenses and has six years of industry experience, including prior roles at Wells Fargo Bank and leadership positions at True North Capital Management LLC and Inner City Advisors. In addition to his advisory work, he serves as Chief Investment Officer at ICA.Fund, a venture-capital community development financial institution supporting women and minority-owned businesses, and acts as a guest lecturer on impact investing at the University of California, Berkeley, Haas School of Business. KTE Capital Management provides discretionary investment portfolio management to individuals, families, and trusts, typically managing accounts of $100,000 or more. The firm follows an active, downside-focused investment approach emphasizing diversification and exposure to essential-service businesses, utilizing individual equities, ETFs, derivatives, and other strategies tailored to client preferences.

Frank Gavidia is a CFP® professional with 32 years of experience in financial advising. He currently leads Globe & Anchor Wealth Management & Financial Planning, LLC, an independent firm he has been with since 2021. His prior experience includes roles at Nissim & Gavidia Wealth Management & Financial Planning, LLC, Wells Fargo Clearing Services, LLC, and Wells Fargo Advisors LLC. Globe & Anchor Wealth Management & Financial Planning provides portfolio management and comprehensive financial planning services to individual and high-net-worth clients. The firm employs a fiduciary approach, tailoring portfolios to client goals and risk tolerance, and incorporates derivatives, primarily options, in client accounts—a practice that is relatively uncommon among peer firms.

John Callagy is the principal of Asage Financial LLC and holds a Series 65 designation with 19 years of industry experience. He has served as a CPA since 2009 and has operated Asage Financial since 2006. In addition to his advisory role, he maintains a sole practitioner CPA practice, dedicating a portion of his time to accounting and tax services. Asage Financial LLC provides investment management, financial planning, and consulting services to individuals and entities including irrevocable trusts and limited liability companies. The firm manages approximately $29.9 million on a discretionary basis and employs an efficient-market philosophy with diversified, asset-class-focused portfolios tailored to client objectives and risk tolerances.

Fiat Lux Financial Planning's core values are rooted in the belief that financial planning should be accessible to everyone, regardless of their wealth or stage in life. We aim to listen closely, clarify complex topics, and increase clients' confidence in their financial decisions. Our founder, Kate Wilusz embarked on her financial planning career in 2004. Over the course of two decades, she established a highly regarded financial advisory firm and emerged as a prominent figure in the Bay Area financial planning community. In 2024, driven by the desire to extend high-quality financial planning services to a broader audience, Kate founded Fiat Lux. Kate's financial planning expertise includes retirement planning, insurance analysis, employee benefits, tax strategies, education planning, and estate planning. She also possesses extensive knowledge in equity compensation, executive compensation, investment real estate, liquidity events and small business topics. Kate is currently pursuing a master’s degree in advanced financial planning as part of her commitment to being a lifelong learner. She participates in national and local financial planning communities and actively contributes her expertise through pro bono initiatives. Beyond her work, Kate enjoys exploring redwood forests and coastal trails, traveling the globe, and adventures in her 1972 VW bus.