Gareth Crossley

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

Faith is a CERTIFIED FINANCIAL PLANNER™ professional and the founder of Chrysalid Financial. Our clients: We serve high achieving mid-career women in Tech with equity compensation. Whether you are too busy to manage your complex finances, feel overwhelmed by decisions about your equity compensation or wondering if your finances align with your goals, we’re available to assist as a trusted advisor. We offer expert guidance to optimize your complex finances and navigate the milestones and multi-faceted decisions stemming from your RSUs, Stock Options, ESPP and company stock. We help you: • Strategize for and optimize equity compensation. • Leverage your compensation to achieve your financial goals; whether it’s buying a home, taking a sabbatical or financial independence. • Understand, maximize and utilize employee benefits. • We manage your investments to align with your financial goals. Why Partner with Us? • Collaborative Process: Together we collaborate to optimize your complex finances. • Emphasis on you: Emphasis is on you, the future you envision, helping attain it! • We’ve walked in your shoes: As seasoned high achieving professionals in a dynamic landscape. Managing a demanding career, a busy personal life and navigating key equity compensation milestones. Want to find out more about our services, approach and how we can work together? Schedule an Introductory Call at: https://chrysalidfinancial.com/book-consultation/ Faith’s professional and educational background: Prior to Launching Chrysalid Financial Faith counseled high net-worth families with cross-border lifestyles and finances. As a former spouse to a technology professional, she brings personal experience to helping clients navigate decisions regarding equity compensation and the myriad of other employee benefits specific to the Tech industry. Previously, Faith provided consulting and research services to pension plans, foundations and endowments for 19 years as an investment professional and employee benefits consultant. Faith has an MBA in Finance from the University of Chicago Booth School of Business and has BSc. Degrees Information Systems and Business Administration. In addition to being a CFP® professional, she is a member of the Financial Planning Association, through which she volunteers as a pro-bono financial planner. Having lived on four continents and worked on three, Faith likes to travel in her free time – sampling new cuisines along the way.

I'm a Certified Financial Planner™ with over 20 years of experience in financial services. I began my career as a paraplanner at Merrill Lynch and Lincoln Financial, then spent more than a decade building financial planning platforms at Fiserv and US Bank. That work gave me a strong foundation in the technical side of planning, but what I always valued most was the human side. I’ve returned to working directly with individuals because I believe financial planning is deeply personal. It’s not just about spreadsheets or investments, it’s about aligning your money with the life you want to live. I founded Worthique to provide a space where you can talk openly about your finances without fear or judgment. I offer thoughtful, clear guidance to help you take ownership of your financial future, on your terms. My approach blends empathy with technical expertise across: Retirement planning Tax strategy Equity compensation Estate planning Investment management Financial planning, for me, is about helping you connect your values with your goals and make decisions with confidence. I’m here to listen, to guide, and to help you build a plan that reflects your worth.

Phillip Hohn is a Senior Financial Advisor with Merrill Lynch Wealth Management. He leads the Hohn Group, which provides customized, objective guidance to clients with a focus on creating personalized wealth management strategies that prioritize risk-averse investment portfolios and streamlined financing options. The group serves technology executives, high-net-worth individuals, and small business owners across 16 states. Phillip offers expertise in areas such as portfolio management, retirement planning, education and estate planning, concentrated stock exit strategies, and corporate retirement plan asset management. With over four decades of industry experience, Phillip and his team emphasize a holistic and individualized approach to wealth management, tailoring strategies to each client's unique goals, time horizon, and risk tolerance. The group extensively supports clients with stock option and Employee Stock Plan Services, particularly assisting Silicon Valley technology executives since 1998. Phillip holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Phillip earned his High School Diploma/GED from Chabot College. He is bilingual in Persian and English. Outside of his professional focus, Phillip engages in community volunteer work and enjoys personal interests such as biking, boating, camping, fishing, hiking, reading, woodworking, traveling, spending time with family, and watching movies.

Justin Green is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been working in the financial industry since 2002 and specializes in providing personalized wealth management strategies tailored to his clients' unique financial goals. His expertise includes college education planning, family wealth management, personal retirement planning, portfolio management, tax minimization, and retirement income strategies. Justin holds a Bachelor of Science degree in Business Administration with majors in Finance and Banking from San Francisco State University. He also holds the Personal Investment Advisor (PIA) designation. Fluent in English and Spanish, he collaborates with Merrill Lynch and Bank of America specialists to offer clients comprehensive services that encompass retirement planning, estate planning, and lifetime income management. Residing in San Ramon, California, Justin lives with his wife and two children. Outside of his professional responsibilities, he enjoys baseball, hiking, swimming, and traveling. He is committed to building lasting client relationships based on trust and a deep understanding of each individual's financial and personal priorities.

Yash Talreja is a Senior Financial Advisor with Merrill Lynch Wealth Management who assists clients in managing both sides of their balance sheets—assets and liabilities—to help them pursue their long-term financial goals. He focuses on areas including college education planning, executive compensation, family wealth management strategies, liquidity management, retirement income, socially responsible and ESG investing, small business strategies, and tax minimization. Yash also helps qualified clients select suitable alternative investments such as private real estate, private equity, and private credit through Merrill’s Alternative Investment platform. Before joining Merrill, Yash worked as a Financial Advisor at Morgan Stanley Wealth Management and held individual contributor and management roles in the technology sector at companies including Amazon, Oracle, and PeopleSoft. A native of Delhi, India, he holds a bachelor’s degree from the Indian Institute of Technology Delhi, a master’s degree in computer engineering from the University of California, Davis, and completed a non-accredited certificate program at the Massachusetts Institute of Technology. Yash is a Certified Investment Management Analyst (CIMA) and a Personal Investment Advisor (PIA). Yash is actively involved in several professional and community organizations, including the Asian Leadership Network, IIT Bay Area Alumni Association, Sukarma, and the Thyroid Cancer Survivor Association. He lives in Fremont with his wife and two daughters. In his personal time, he enjoys hiking, music, painting, reading, table tennis, traveling, watching movies, and writing.