Lydia Idem is a financial advisor with FM Capital Group in Oakland, CA, holding a Series 65 designation and 11 years of industry experience. FM Capital Group provides investment advisory and consulting services to individuals, groups, corporations, and other business entities, offering portfolio management and handling due diligence and negotiation of private investment term sheets. The firm follows a strategic allocation approach across public securities and alternative investments and distinguishes itself by charging performance-based fees on private placements and producing educational content such as workshops and radio broadcasts.

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.

Cassandra Cummings is a financial advisor at RC Wealth Management with 18 years of industry experience. She holds Series 63 and Series 65 licenses and has been with RC Wealth Management since 2015. Outside of her advisory role, she provides financial literacy services through online courses and in-person events aimed at the general public. RC Wealth Management offers investment management and financial planning services, focusing on fundamental analysis and a risk-aware approach. The firm typically recommends and oversees third-party investment managers and conducts educational workshops alongside limited-scope, hourly planning engagements.

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.

Joseph Curtis is a financial advisor at Resolve Financial, LLC in Walnut Creek, CA, holding the ChFC® designation and Series 66 license with 13 years of industry experience. He has been with Resolve Financial since 2014 and previously operated under Joseph Patch Curtis from 2007 to 2016. Outside of advising, he is self-employed in insurance sales. Resolve Financial serves individual investors, estates, retirement plans, and trusts, typically working with accounts of $50,000 or more. The firm uses a factor-oriented investment approach based on Modern Portfolio Theory, focusing on broad market exposures with tilts toward small-company and value stocks, and manages accounts on a non-discretionary basis through a third-party platform.

Yoav Karni is the sole advisor at West Coast Financial Wealth Management, Inc. He holds Series 63 and Series 65 licenses and has 15 years of experience in the financial industry. Prior to his current role, he has been operating independently since 2001 and has worked at West Coast Financial Wealth Management since 2011. Outside of advisory work, Karni is a licensed life insurance agent, selling life, disability, long-term care, and Medicare insurance products. West Coast Financial Wealth Management, Inc. serves individual clients by providing tailored financial planning and selecting third-party investment advisers and platforms rather than directly managing portfolios. The firm focuses on client discovery to align goals and risk tolerance with appropriate outside managers, typically maintaining non-discretionary relationships while reviewing third-party reports quarterly.

Catherine Curtis is a CFP® professional with 13 years of experience in financial planning. She is the sole advisor at Curtis Financial Planning, an independent firm she has led since 2013 in Oakland, CA. Curtis Financial Planning provides fee-only financial planning and investment management to individuals, families, and small-business owners, with a focus on the financial planning needs of women. The firm employs a strategic asset allocation process using diversified portfolios and operates as a fiduciary, offering educational seminars and maintaining a business continuity agreement with another fee-only advisory firm.

Alicia Ivancovich is a CFP® professional with 26 years of industry experience. She founded and has operated Financially Healthy, LLC since 2011. Outside of her advisory work, she volunteers with the nonprofit Advisers Give Back, providing free personal financial advice by phone to individuals in need. Financially Healthy, LLC is an independent investment adviser serving individuals, including high-net-worth clients, with discretionary portfolio management and comprehensive financial planning services. The firm combines passive and active investment strategies and manages approximately $57 million for about 60 clients, focusing on individualized, ongoing oversight.

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.

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.

I launched Focused Finances, a sole proprietorship, in 1994 and transitioned to Focused Finances, LLC, in 2004. My objective then and now is to help individuals and couples with their financial planning and investment needs. My advice and insight have been featured in the San Francisco Chronicle, the Oakland Tribune, the Huffington Post, Real Simple, and the Wall Street Journal, among others. I am a member of the National Association of Personal Financial Advisors (NAPFA), which is the premiere professional association for fee-only financial planners, and the XY Planning Network (helping advisors serve the other 99% effectively). I am a Certified Financial Planner™ and hold an MBA in Finance from California State University, Hayward (now CSU East Bay). I am also a well-trained and avid musician (my undergraduate degree is in music, and I pursued graduate work as well). I specialize in choral singing and an unusual Baroque instrument – the viola da gamba. I perform with the San Francisco Bay Area Chamber Choir, California Bach Society, participate in numerous vocal and instrumental music workshops, and informal musical gatherings. For me, music is an important touchstone; it’s one of the ways I keep my life in balance.

Douglas Buser is a CFP® professional with 29 years of industry experience. He has been with Golden Gate Advisors, Inc. since 1998. Outside of his advisory role, he is a partner in Buser Brothers Real Estate, where he works as a real estate broker. Golden Gate Advisors, Inc. is a family-office registered investment adviser serving accredited, high-net-worth individuals and related entities. The firm employs a core-satellite, active/passive multi-manager investment approach and offers a range of wealth management and retirement plan advisory services.

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.