Dave's experience in investment management and financial planning uniquely position him to serve as his client's independent trusted advisor - a personal chief financial officer that can discreetly navigate the tides affecting your financial life. ​ Professional highlights include portfolio management on Union Bank municipal investment team which earned recognition as the best in the industry by Barron's in 2008 and 2009; lead investment management responsibility at a $300M financial planning firm; and working with amazing entrepreneurs, executives, and families. ​ David's education includes a Chartered Financial Analyst (CFA) designation, a Certified Financial Planning (CFP) designation, and a U.C. Berkeley bachelor's degree where he conducted a study on evidenced based investment management with Haas Professor of Investments David Distad. ​ David launched PFM to continue building upon his vision of complete personal financial management: discreet and unwavering focus on how expert financial management can help a client achieve her goals. From setting and achieving goals, to preparing you for all of life's contingencies and investing for your future - David helps his client's understand what they should be doing, and then helps them get it done.

I am a seasoned technology professional and an entrepreneur based in Silicon Valley. I have experience starting and running a software company that was venture-funded and subsequently acquired by a public company. During my high-tech career, I got intrigued by money matters such as savings, investments, insurance, taxes in order to achieve my family's financial goals. Out of curiosity, I spent time reading and researching various aspects of personal finance. I realized that there are a growing number of financial options available with increasing complexity in these choices. My passion towards financial planning ultimately resulted in pursuing formal education in financial planning, subsequently completing the CFP Board requirements to be a CERTIFIED FINANCIAL PLANNER® Professional. I launched Encover Personal Finance in 2018, primarily to help technology professionals achieve their financial life goals based on my own experience. I believe in serving clients honestly and transparently in a conflict-free manner. https://www.encoverpersonalfinance.com/about

Megan Rouse is the principal of Megan Rouse Financial Planning in Dublin, California, holding the CFP® designation and a Series 65 license with 17 years of industry experience. She is also a California Licensed Professional Fiduciary and operates a separate fiduciary services business. Megan has provided financial planning services since 2009. Her firm advises individuals, families, and small businesses with comprehensive or segmented financial planning, focusing on non-discretionary advice and low-cost investment options such as mutual funds and ETFs. The firm uses project, hourly, or retainer fee structures and does not manage client assets or take custody of funds.

Kautilya Palaypu is a financial advisor at Cow Capital Inc with a Series 65 designation and two years of industry experience. He has held roles at Masala Capital Inc and serves as a director and independent consultant for several private companies, including a gold bullion distribution firm. Cow Capital provides portfolio management, wealth management, financial planning, and self-directed retirement plan services to individuals, high-net-worth clients, and business entities. The firm uses a range of analytical methods and offers advice on both traditional securities and alternative assets, including tokenized and non-conventional investments.

Prasant Sahoo is a CFA® charterholder and principal at Mission Peak Investors, LLC, with eight years of industry experience. He previously worked at Nuveen Investments for eight years before founding Mission Peak Investors in 2017. Mission Peak Investors, LLC is an independent, fee-only wealth management firm serving individuals, high-net-worth families, trusts, and similar clients. The firm employs a bottom-up, fundamental investment approach focused on quality businesses and long-term total return, managing portfolios on a discretionary basis with a concentrated client base and account minimums of $1 million.

Dalbir Gill is the principal of Khalis Financial Advisors LLC and holds the PFS™ designation with two years of industry experience. He also owns and operates Dalbir Singh Gill, CPA, a tax and accounting services business. His prior experience includes roles at Stanford Health Care, Kforce, and several accounting firms. Khalis Financial Advisors LLC provides portfolio management, pension consulting, and financial planning services to retirement plans and individual clients. The firm employs a variety of analytical approaches within documented Investment Policy Statements and primarily manages assets on a non-discretionary basis.

Michael Power is a CFP® professional with over 30 years of experience, operating Power Investing since 1994. He is also an Enrolled Agent authorized to represent clients before the IRS, providing tax preparation and representation services alongside his investment advisory work. The firm offers discretionary investment management and comprehensive financial planning to individuals, families, and small businesses. Power Investing employs a fundamental analysis approach, emphasizing broad diversification with ETFs and individual securities, and integrates in-house tax services as part of its client offerings.

Corey Berla is a CFA charterholder with nine years of experience at Berla Investment Consulting. He has also worked as an Information Systems Analyst for the City of Walnut Creek since 2013, focusing on IT hardware and software related to server infrastructure. Berla Investment Consulting provides fiduciary investment consulting to a select client base including employee benefit plans, foundations, endowments, corporate funds, insurance companies, and high-net-worth individuals. The firm operates as a non-discretionary consultant emphasizing manager evaluation, performance measurement, and investment policy oversight, and it does not accept asset-based fees or manage individual portfolios.

John Gardner is a CFP®-certified financial advisor with 36 years of industry experience. He has worked at Equity Research & Portfolio Evaluation, Inc. since 2001. Gardner is the sole advisor at Blackhawk Wealth Advisors, an independent firm based in Danville, CA. Blackhawk Wealth Advisors provides discretionary investment management, financial planning, and independent security research to individuals, trusts, estates, and investment companies. The firm employs a proprietary blend of fundamental and technical analysis to manage portfolios across various asset classes, focusing on risk reduction and predictable income through both long- and short-term strategies.

Vladimir Belinsky is the sole advisor at Hermitage Advisors, Ltd. in Danville, CA, holding Series 63 and Series 65 licenses with 22 years of industry experience. He has been with Hermitage Advisors since 2003. Hermitage Advisors, Ltd. serves a small, concentrated roster of primarily high-net-worth individual clients, providing individualized portfolio management and ongoing investment advice. The firm employs a primarily non-discretionary approach, selecting and monitoring external investment managers based on a multi-decade network of research, with client decisions made collaboratively.

Alexander Conaghan is the principal of Conaghan Financial Services, an independent registered investment adviser based in Dublin, CA. He holds a Series 65 designation and has 11 years of industry experience. Prior to founding his firm, he worked at several accounting and advisory firms, including Strand Boyce O'Shaughnessy CPAs and TruNote Investment Advisors. He also operates a sole-proprietorship tax and accounting service under the name Five Star Tax and Accounting. Conaghan Financial Services serves individual clients, small businesses, trusts, and other entities with financial planning, retirement and college-savings advice, portfolio management, and small-business retirement plan services. The firm integrates tax and bookkeeping services through its in-house practice and employs an investment approach that combines quantitative and qualitative analysis, focusing on asset allocation, rebalancing, and risk mitigation.

Satya Chillara is a financial advisor at RAJS Funds with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Boustead Securities, Darrow Associates, Mercury Securities, and Aemetis. Outside of his advisory role, he is involved in investing in almond farms and serves on the advisory board of Blue Power Systems. RAJS Funds provides discretionary and non-discretionary asset management and financial planning services to institutional investors, pension and profit-sharing plans, banks, charitable organizations, corporations, and individuals. The firm employs diversified, asset-class exposure strategies using mutual funds, ETFs, equities, fixed income, and alternative instruments, with portfolios monitored continuously and reviewed at least annually.

Timothy Smith is a financial advisor at Fairway Asset Management, Inc. in San Ramon, CA, with 24 years of industry experience. He holds the Series 66 designation and has been with Fairway Asset Management since 2007. Outside of his advisory role, he owns and operates an insurance agency that offers life insurance policies and fixed annuities tailored to client needs. Fairway Asset Management serves individuals, high net worth clients, pension and profit-sharing plans, and businesses by providing asset management, financial planning, consulting, and educational workshops. The firm uses a combination of fundamental and technical analysis across various investment strategies, including long-term holdings, active trading, and options, while maintaining liquidity through cash and short-term instruments.

Kevin Chung is a CFP® and CFA® with 17 years of industry experience. He is the principal advisor at Generative Family Office LLC, where he has worked since 2024. Prior to this, he held roles at JPMorgan Private Wealth Advisors LLC and First Republic Investment Management, Inc. He holds an active insurance license but is not engaged in insurance sales. Generative Family Office provides tailored consulting services to ultra-high net worth and high net worth families, trusts, estates, business entities, and charitable organizations. The firm focuses on family office services such as consolidated financial reporting, wealth and estate planning coordination, philanthropy planning, and family governance, advising on asset allocation and overseeing external investment managers without discretionary trading authority.

Denise Johnson is the principal of Five Talents Wealth Management in Dublin, California, with 16 years of industry experience. She holds Series 65 and Series 66 licenses and has worked at Accenture, LLC, and founded Denise-Danielle Strategy Consulting, where she provides business strategy consulting and educational materials. Five Talents Wealth Management offers non-discretionary investment supervisory services and financial planning to individuals, charitable organizations, corporations, and other entities. The firm employs a range of investment strategies, including technical, cyclical, and fundamental analysis, and provides tailored portfolios reviewed quarterly.

Durga Eedara is a financial advisor at Eedara Financials with a Series 65 designation and over 20 years of industry experience, including a long tenure at Franklin Resources Inc from 2002 to 2021. Eedara Financials LLC, founded in 2025, provides discretionary portfolio management to individual and high-net-worth clients. The firm uses a combination of charting, fundamental, and technical analysis alongside various trading strategies, operating under client-granted discretionary authority.

Samah Naguib is a CFA® charterholder with 12 years of industry experience, currently serving as the sole advisor at Pleasanton Wealth. Prior to founding Pleasanton Wealth in 2018, Naguib worked at Charles Schwab & Co., Inc. for 11 years. Pleasanton Wealth is an independent firm that serves individuals, families, trusts, estates, business entities, charitable organizations, and retirement plans. The firm provides comprehensive financial planning, investment management, and retirement plan consulting, employing customized portfolios based on a strategic asset-allocation framework and a variety of analytical techniques.

Sunday Peters is the principal of SOBORA Capital and holds Series 63 and Series 65 licenses with nine years of industry experience. His prior work includes roles at Security Industry Specialists, Inc. and various SOBORA entities dating back to 2016. Peters also holds California real estate, mortgage, and insurance licenses and provides related services through affiliated SOBORA entities. SOBORA Capital offers non-discretionary investment management, capital-markets advisory, and financial planning primarily to institutional and business clients, including pension plans, endowments, and firms in real estate, construction, and engineering. The firm combines investment advisory with mortgage, real estate, and insurance services and provides ERISA plan consulting and participant education.

Matthew Rittmann is the sole advisor at Rittmann Capital Management Co. in Moraga, CA, holding a Series 65 credential with 21 years of industry experience. He has led Rittmann Capital Management since 2004. Rittmann Capital Management Co. provides discretionary asset management and financial planning services to individuals, small businesses, trusts, estates, pooled investment vehicles, and charities. The firm uses a combination of fundamental, technical, and charting analysis across various instruments, actively managing accounts on a discretionary basis with regular reviews and tax-loss harvesting.

Eugene Demmler is a financial advisor with LPL Financial in Castro Valley, CA, holding a Series 63 designation and over 33 years of industry experience. He has been associated with LPL Financial since 1996 and operates E. Demmler & Associates, an independent investment advisory firm, since 2002. Through this firm, he provides financial planning and consulting services. LPL Financial offers advisory and brokerage services to a diverse client base including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm supports its investment advice with in-house research and a broad range of portfolio management options, combining advisory operations with non-advisory product offerings.