Farid Nadjibi is the principal of Farid Consulting and holds Series 63 and Series 65 licenses with two years of industry experience. Prior to his financial advisory career, he has been involved with Burlwood Gallery since 2006, engaging in jewelry, collectibles, decor, and building contracting. Farid Consulting is a sole-proprietorship investment advisory firm that offers discretionary and non-discretionary portfolio management, financial planning, and retirement/employee benefit account services to individuals, high-net-worth clients, and small businesses. The firm employs a tailored, goals-based investment approach across a wide range of asset classes, including equities, fixed income, options, private funds, real estate investments, and digital assets.

WHAT I DO: I help Locum Tenens physicians and advanced practice providers gain clarity about their finances, identify opportunities and pitfalls, and stay on track with a trusted accountability partner. WHY IT MATTERS: Three recurring concerns stand out in my conversations with Active Duty Military and Civilian physicians and advanced practice providers: Skill Atrophy – Concerns about staying clinically sharp and staying competitive due to limited patient volume or exposure to diverse clinical settings. Financial Catch-Up – After years of training, many feel the pressure to fast-track savings and build long-term financial security. Time Flexibility – A deep desire for greater control over one’s schedule to prioritize family, entrepreneurship, or personal goals. These pressures often lead physicians to pursue Locum Tenens work—part-time or full-time—for its higher earning potential and flexible structure. But with that flexibility comes greater financial complexity, making a clear strategy and support system more important than ever. HOW I DO IT: Together, we assess your strengths and gaps across the six pillars of financial planning: Cash Flow Management, Risk Management, Estate Planning, Tax Strategy, Retirement Planning, and Investment Management. Then, we develop action items over 3 months to strengthen your financial foundation. Clients are empowered to self implement recommendations or collaborate with us for efficiency and accountability. NEXT STEPS: Ready to take control of your financial future? Connect with me on LinkedIn or reach out directly at arnie@achievablewealthfp.com—I’d love to learn more about your goals and how I can help. MORE ABOUT ME: I rediscovered my love for running three years ago thanks to one of my sons, starting with local 5Ks around the San Francisco Bay Area. Since then, I’ve become especially fond of the half-marathon distance, with races like the Oakland and San Francisco Half under my belt. Marathon training is next on the horizon, and I’m looking forward to the challenge. I also love exploring new places—favorites so far include Ilocos Sur (Philippines), Tokyo, Seoul, Busan, Barcelona, Lisbon, and London.

Gary Leonard is a financial advisor based in San Francisco, CA, with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Montrose Securities since 2011. Outside of his advisory role, he provides consulting related to hiking activities for a local cooperative. His firm offers discretionary investment management and advisory services primarily to individual clients, managing approximately $800,000 across about 20 accounts. The firm constructs balanced portfolios tailored to client risk tolerance using fundamental, technical, and cyclical analysis, employing strategies that include equities, fixed income, options, and hedging techniques.

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.

Shailesh Patel is the founder of Patel Capital Management and holds a Series 66 designation with 14 years of industry experience. He previously worked at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services. He maintains an inactive insurance license that he intends to let expire and does not sell insurance products. Patel Capital Management is an independent, fee-only advisory firm serving a small number of high-net-worth individuals. The firm provides wealth management and financial planning, combining passive and active investment strategies and operating a direct-indexing program that employs institutional optimization and tax-management techniques.

Juan Polanco is a financial advisor at Optimo Capital with 10 years of industry experience. He holds a Series 66 designation and has worked previously at Carr & Ferrell LLP before joining PacBio in 2017, where he currently works full-time as an engineer. In addition to his advisory role, he mentors startups and founders through the Founder's Institute and LoyalVC. Optimo Capital serves emerging companies, startups, and their founders, executives, and employees by providing portfolio supervision and a range of financial advisory services. The firm combines top-down macro analysis with bottom-up credit and security research, offering strategic consulting and flexible fee arrangements without account minimums.

John Baughman is a financial advisor with Baughman Financial Group in Novato, CA, holding Series 63 and Series 65 licenses and 33 years of industry experience. He has worked at First Allied Securities, Inc. from 2008 to 2018 and has been with Baughman Wealth Advisors Inc. and Baughman Financial Group since 2008 and 1999, respectively. Baughman Wealth Advisors, operating as Baughman Financial Group, provides portfolio management, financial planning, retirement and estate planning, and consulting services to individuals, families, trusts, foundations, charitable organizations, and various institutional clients. The firm employs a combination of fundamental, modern portfolio theory, technical, and cyclical analysis to create customized portfolios and offers discretionary management, insurance product sales, and educational seminars.

It is a myth that you need to be ultra-wealthy in order to live a life with impact. You can start living well and making an impact in your communities right HERE and right NOW. At Bridgelane Financial, our goals are to assist you in developing a financial plan to live out a life that reflects your values. Maureen Recker is CFP®, a philanthropist, a mother of two and a community educator. She graduated with a B.S. from Indiana University and an MBA from Duke University. Maureen started her career in corporate finance and institution banking. After taking some time off to raise two children, she re-entered into a career in financial planning to work with clients in a more intimate and personal level. Clients’ satisfaction gives her gratification and encourages her to further her professional development and personal growth.

As a Certified Financial Planner®, my goal is to help you take charge of your finances without the lecture—just practical advice. My approach provides the tools and know-how to handle your money like a pro—no spreadsheets required (unless you’re into that sort of thing). You’ll walk away making confident financial decisions without second-guessing yourself. You’ll get a custom financial plan made just for you by a CFP® professional—but we don’t just hand it over and wish you luck. We’ll help you actually put it into action, so it doesn’t just gather digital dust.

Michael Pablo is a CFP® and Series 65-registered financial advisor with 16 years of industry experience. He is the sole advisor at Agile Financial Planning, LLC, an independent firm based in San Francisco, CA. Agile Financial Planning serves individuals, families, and small business owners by offering modular and comprehensive financial planning alongside discretionary asset management. The firm manages approximately $11.1 million for about 30 clients, employing diversified portfolios primarily composed of exchange-traded funds, and emphasizes low-cost investments tailored to clients’ time horizons and risk tolerances.