Philip Spencer is a CFA® charterholder with 16 years of industry experience. He has been with Saratoga Research & Investment Management since 2009. Saratoga Research & Investment Management offers discretionary portfolio management to individuals, including high-net-worth clients, as well as institutional clients such as pension plans, endowments, and registered investment companies. The firm employs a long-only, large-cap equity strategy using a four-step process combining quantitative screening, qualitative analysis, and dual valuation methods, managing approximately $2.5 billion across about 2,800 clients.

Sandeep Pandya is a Series 65-licensed advisor with SP Asset Management LLC in Cupertino, CA, where he has worked since 1995. He has 31 years of industry experience. Pandya is also the president and owner of Pandya Insurance Services LLC, which provides life, health, and property and casualty insurance policies, and serves as general partner of SP-Accolade SPV, LP, a private fund-of-funds investing in venture and private equity. SP Asset Management advises primarily high-net-worth individuals, pension and retirement plans, trusts, and business entities, offering discretionary portfolio management and financial planning. The firm manages accounts using fundamental securities analysis and asset-allocation strategies, and also advises pooled investment vehicles and private funds focused on venture capital and private equity.

Kevin Mcclelland is a financial advisor at Heckman Financial & Insurance Services, Inc. in San Jose, CA, holding a Series 65 designation with 16 years of industry experience. He has worked at Heckman Financial & Insurance Services, Inc. since 2011 and owns Leeward Financial & Insurance Services, a separate business focused on life and health insurance sales, annuities, and business consulting. He also has been involved with the Silicon Valley Small Business Development Center since 2014. Heckman Financial & Insurance Services, Inc. provides advisory services to individuals, trusts, estates, charitable organizations, and business entities, offering discretionary asset management, financial planning, and ERISA retirement-plan advisory services. The firm integrates insurance brokerage and tax-preparation services with educational seminars, using fundamental and technical analysis along with third-party managers in its investment approach.

Kevin Swanson is a CFP® with 22 years of industry experience, currently serving at Potentia Wealth. His prior roles include positions at Mariner Independent Advisor Network and LPL Financial. He volunteers on the Finance and Investment Committee for the San Jose State Tower Foundation, overseeing investment compliance and recommendations. Potentia Wealth provides discretionary portfolio management, financial planning, and advisor selection services for individuals, plans, nonprofits, and businesses. The firm customizes portfolios based on client objectives, utilizing a mix of fundamental, technical, and top-down analysis, and emphasizes fee minimization and tax efficiency.

Craig Pine is a financial advisor at Potentia Wealth with 18 years of industry experience. He holds a Series 66 designation and has worked at LPL Financial since 2007, as well as Mariner Independent Advisor Network from 2016 to 2024. Pine currently provides investment advisory services through Potentia RIA, LLC, an independent registered investment advisor. Potentia Wealth offers discretionary portfolio management, financial planning, and selection-of-other-advisor services to individuals, pension/profit-sharing plans, charitable organizations, and businesses. The firm customizes portfolios based on client objectives, horizon, and risk tolerance, employing fundamental, technical, and top-down analysis, with an emphasis on minimizing fees and tax impacts.

Milind Dalal is a financial advisor with Clarity Wealth Advisors in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Clarity Wealth Advisors since 2013 and previously worked at Purshe Kaplan Sterling Investments for a decade. Outside of his advisory role, he is a member of Statera, LLC, a non-investment related office building entity. Clarity Wealth Advisors serves individual clients, retirement plans, trusts, and other entities, providing discretionary portfolio management, financial planning, and consulting services. The firm employs customized investment strategies using proprietary and third-party model portfolios and manages approximately $601 million in discretionary assets with a small advisory team.

Matthew Casas is a CFA® charterholder with 13 years of industry experience. He has worked at Saratoga Research & Investment Management since 2011. Saratoga Research & Investment Management provides discretionary portfolio management primarily to individuals, including high-net-worth clients, and various institutional clients. The firm employs a long-only, large-cap equity investment approach using quantitative and qualitative analysis, managing approximately $2.5 billion across separately managed accounts, mutual fund sub-advisory, and model portfolios.

Andrew Early is a financial advisor at Saratoga Research & Investment Management with seven years of industry experience. He holds a Series 65 designation and has been with Saratoga Research & Investment Management since 2017. Prior to his current role, he spent a year working at JDog Junk Removal. Saratoga Research & Investment Management is an SEC-registered multi-advisor firm managing approximately $2.5 billion for over 2,500 clients. The firm offers discretionary, long-only separately managed accounts focused on large-cap equity strategies and serves a diverse client base, including high-net-worth individuals, retirement plans, foundations, and corporations.

Mark Taylan is a financial advisor with Eastsound Capital Advisors, LLC, holding Series 63 and Series 65 credentials and bringing 19 years of industry experience. His prior roles include positions at Advisors 360 LLC, Guaranteed Rate Inc, and Direct Mortgage Funding Inc. He serves on the Board of Directors of FAREPA, a Silicon Valley trade organization for real estate professionals, contributing to industry education and networking without compensation. Eastsound Capital Advisors is an SEC-registered firm providing discretionary portfolio management and financial planning to individuals, charitable organizations, and businesses. The firm integrates fundamental, technical, and cyclical analysis with strategic and tactical asset allocation to manage portfolios across various securities and may act as a sub-advisor and signal provider to other investment advisers.

William Smithers III is an advisor at Heckman Financial & Insurance Services, Inc. He holds Series 65 and Series 63 licenses and has one year of experience in the financial industry. Prior to joining Heckman Financial, he worked at Coforge Limited, OptimEyes AI, Concentrix Corporation, Symbio Corporation, and Globant S.A. Heckman Financial & Insurance Services serves individuals, trusts, estates, charitable organizations, and business entities, offering discretionary asset management, financial planning, and ERISA retirement-plan advisory services. The firm integrates insurance brokerage and tax-preparation services into its advisory business and provides educational seminars and workshops to the public.

Diana Louie is a financial advisor at Nectarine with Series 65 and Series 63 licenses. She has one year of experience as an advisor and previously worked at Google for ten years. Nectarine serves individual and high-net-worth clients by providing consultative financial planning through selected advisor representatives. The firm emphasizes long-term asset allocation with low-cost, index-based funds and offers planning services without managing client portfolios or accepting custody.

Helena Sandoval is a financial advisor at Kera Capital Partners with three years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley for ten years and Edward Jones Investments for 22 years. Outside of her advisory role, she is a Notary Public for the state of California. Kera Capital Partners serves individual, high-net-worth, and institutional clients, managing assets on a multi-advisor platform with over $1.3 billion in assets under management. The firm combines fundamental and quantitative analysis to create tailored portfolios using a range of investment vehicles, including equities, fixed income, ETFs, options, and mutual funds.

Charles Davis is a financial advisor at Kane Investment Management, Inc. in Los Gatos, CA, holding a Series 65 designation with 26 years of industry experience. He has been with The Kane Group since 1998. Kane Investment Management, Inc. provides investment account management and advisory services to individuals, high-net-worth clients, 401(k) plans, trusts, and estates, using a combination of charting, fundamental, and technical analysis to construct portfolios tailored to client objectives. The firm manages a range of securities and offers discretionary account management with performance reviews and financial planning available.

Sharon Bargetto is a CFP® with 23 years of industry experience and has been with Sage Financial Advisors, Inc. since 2006. She also operates a tax preparation and planning business as a CPA, dedicating significant time to this work annually. Sage Financial Advisors serves individuals, businesses, trusts, charitable organizations, and pension plans, managing approximately $219 million across about 105 client relationships. The firm combines discretionary portfolio management with financial planning, tax services, and educational programming, using fundamental analysis and a mix of mutual funds, fixed income, equities, and ETFs.

Lawrence Pizzella is a financial advisor at Aria Wealth Management with 10 years of industry experience. He holds a Series 65 designation and has worked at Aria Wealth Management since 2017. Pizzella also serves as a Portfolio Administrator and consultant at Legacy Wealth Advisors and as a Trading Specialist at the Institute for Wealth Management. Aria Wealth Management serves individual and institutional clients, including high-net-worth families, trusts, corporations, and pension plans. The firm uses an asset allocation framework informed by fundamental and technical analysis and manages discretionary accounts with access to institutional custodial services.

Joseph Mcginley is a financial advisor at Ellis Investment Partners, LLC in San Jose, CA, holding Series 63, 65, and 66 licenses with 27 years of industry experience. He has worked at several companies across the entertainment and technology sectors and serves on the boards of the SAG-AFTRA San Francisco-Northern California labor union and the Hunters Point Biomonitoring Foundation. Ellis Investment Partners serves individual and institutional clients, including high-net-worth individuals, trusts, and retirement plans, managing over $900 million in assets. The firm uses a dynamic asset-allocation strategy with multiple model portfolios and provides a range of services including portfolio management, financial planning, and ERISA fiduciary support for retirement plans.

Stephen Brennan is a financial advisor at Alhambra Investment Management LLC with 17 years of industry experience. He has been with Alhambra since 2016 and previously worked with the San Jose Police & Fire Pension. Outside of advisory services, he operates a marketing consulting business focused on marketing communications and oversees commercial real estate investments as a partner in a real estate firm. Alhambra Investment Management serves individual, high-net-worth, charitable, and corporate clients through discretionary and non-discretionary investment management. The firm uses a top-down macroeconomic approach combined with quantitative equity models and alternative investments, managing portfolios with a team-based approach tailored to client risk tolerances.

Craig Tompkins is a financial advisor with CSP Financial Group LLC in San Jose, CA, holding Series 63 and Series 65 licenses and bringing seven years of industry experience. He has previously worked with Agape Investment Coaching and Rice Financial Consulting, and he also owns and operates Coalition Insurance Services, a life and health insurance business in California. CSP Financial Group provides discretionary asset management, financial planning, and retirement-plan services to individuals, high-net-worth clients, and business entities. The firm emphasizes portfolio construction and monitoring based on Modern Portfolio Theory, employs third-party managers for model implementation, and manages held-away workplace accounts with a focus on tax-efficient asset location and rebalancing.

Henry Hien Phan is a financial advisor at Kera Capital Partners with five years of industry experience. He holds a Series 65 designation and has previously worked at Nfluence Partners, Vista Wealth Management, Morgan Stanley, and AxA Advisors. Kera Capital Partners manages over $1.3 billion and serves individual clients, foundations, trusts, retirement plans, corporations, and pooled investment vehicles. The firm employs a combination of fundamental and quantitative analysis with an outcomes-oriented asset allocation approach, emphasizing data analytics and tax awareness.

Matthew Keating is a financial advisor with Saratoga Research & Investment Management. He holds a Series 65 credential and has six years of industry experience. Prior to joining Saratoga Research & Investment Management in 2019, he worked at Apple for seven years. Saratoga Research & Investment Management provides discretionary portfolio management to individuals, including high-net-worth clients, and various institutional clients such as pension plans, endowments, foundations, and corporations. The firm employs a long-only, concentrated large-cap equity strategy characterized by a four-step investment process and manages approximately $2.5 billion across roughly 2,800 clients.