Concentric Wealth Management LLC, established in 2008 by Eric Flett and Stewart McGuire, offers integrated wealth management services in Lafayette, California. The firm specializes in providing investment management and financial planning services to individuals, trusts, estates, pension plans, foundations, charities, and business entities. They manage assets on a discretionary basis, offering services such as asset allocation guidance, investment selection, performance measurement, and tax reporting. Concentric tailors investment portfolios to meet clients' unique goals, risk tolerance, and time horizon, diversifying across various asset classes. For their services, Concentric charges an annual fee based on a tiered schedule, starting at 0.95% for the first $2 million of assets under management. The firm generally requires a minimum initial investment of $1,000,000, with fees billed quarterly in advance. Clients can also opt for an annual retainer fee or project-based billing. Concentric does not charge performance-based fees and primarily works with clients with investment portfolios of $1,000,000 or more. The firm's investment strategies focus on long-term orientation, diversification, low turnover, and tax-efficiency. They conduct fundamental and technical analysis, selecting securities based on various criteria. Concentric does not have any disciplinary events to disclose and is independently owned, unaffiliated with any financial institution. The advisors at Concentric hold professional designations such as Certified Financial Planner (CFP) and Chartered Financial Analyst (CFA), ensuring high standards of expertise and service.

Gifford Fong Associates is a Registered Investment Adviser established in 1974, located in Lafayette, CA. Led by H. Gifford Fong, the firm specializes in customized portfolio solutions using proprietary investment technology. Services include Portfolio Optimization, Independent Valuation, and Fixed Income Analysis. The firm caters to institutional investors with equity and fixed income strategies. The minimum account size is $10 million. Fees are asset-based, with a tiered structure depending on account size. The firm does not charge performance-based fees or share in capital gains. Investment strategies are quantitatively driven with a focus on risk control. Gifford Fong Associates has not faced legal or disciplinary actions and is affiliated with the Journal of Investment Management. The firm operates with strict ethical standards and supervisory procedures. Employees are prohibited from engaging in unlawful activities or conflicts of interest. The firm provides regular account reviews and reports to clients. Gifford Fong Associates has discretionary trading authority and can vote on client securities. The firm's financial condition is stable, with no bankruptcy history. Key personnel include H. Gifford Fong, Steven Fong, and Xulin Li, each with relevant educational backgrounds and industry experience. Supervision is conducted by H. Gifford Fong. For more information, visit www.gfong.net or contact (925) 299-7800.

Jurika, Mills and Keifer, LLC is an independently owned Investment Adviser registered with the SEC since 2001. The firm specializes in providing discretionary investment management and financial advisory services to individuals, families, endowments, foundations, and other institutions. Their investment strategy focuses on capital preservation, balance, diversification, and a long-term perspective. They offer a differentiated approach using a combination of actively managed no-load mutual funds, Exchange Traded Funds (ETFs), and other investment vehicles. The firm's mission is to build an investment management and advisory firm of uncommon quality, dedicated to treating clients with trust, understanding, and accountability. The firm's fee structure is based on a percentage of assets under management, with fees calculated and billed quarterly in advance. The current fee schedule ranges from 1.0% to 0.40% based on the amount of assets under management. JMK is a fee-only advisor, ensuring that their interests are aligned with their clients. The minimum account size is $2,000,000, but the firm may accept accounts below this threshold at its discretion. Clients have the option to grant JMK discretionary authority over their investments, allowing the firm to make decisions on their behalf without prior consent. The firm reviews client accounts periodically, with an in-depth review performed at least annually. JMK also provides clients with quarterly portfolio valuations and investment commentaries to keep them informed about their investments. Overall, Jurika, Mills and Keifer, LLC offers personalized and comprehensive financial advisory services with a focus on long-term client relationships and sound investment principles.

FIG Wealth, LLC is a registered investment adviser offering investment management and consulting services. Established in January 2022, the firm is owned by Adam Gallegos and had $255,657,978 in assets under management as of January 30, 2025. They provide discretionary and non-discretionary investment management services, primarily allocating client assets among various alternative investments, mutual funds, ETFs, debt and equity securities, and independent investment managers. Clients can engage FIG Wealth to manage various investment products, tailoring services to meet individual needs and objectives. The firm emphasizes an alternative approach to investing, focusing on risk management and maximizing risk-adjusted returns. They conduct ongoing due diligence on Independent Managers and offer a fee-based structure for their services, with fees ranging from 1.00% to 2.00% per annum. FIG Wealth recommends the use of Charles Schwab & Co., Inc. for custody, brokerage, and clearing services. The firm does not provide compensation to third-party solicitors for client referrals and does not engage in performance-based fees or side-by-side management. Clients have the option to grant investment discretion to FIG Wealth, allowing the firm to make investment decisions on their behalf.

Wallace Advisory Group, LLC, established in 2015 in Lafayette, CA, offers investment advisory services to individuals, high net worth individuals, and charitable organizations. As a fiduciary, the firm acts in clients' best interests, providing asset management, investment consulting, and financial planning services. Clients can expect tailored portfolios comprising various securities, continuously monitored and rebalanced to meet individual goals. The firm utilizes sub-advisory services and offers comprehensive portfolio management, financial planning, and consulting. Fees for asset management and portfolio management services do not exceed 1.50% annually, billed quarterly based on account value. Financial planning services are flat-fee based, ranging from $5,000 to $50,000, with ongoing planning available for $5,000 per year. The firm does not charge performance-based fees and manages $250 million in discretionary assets. Clients maintain accounts at Charles Schwab & Co., Inc., the recommended custodian/broker, with no separate custody fees. The firm's investment strategies include long-term purchases, asset allocation, and various methods of analysis such as fundamental, quantitative, and qualitative analysis. Clients receive account statements directly from the custodian and have the option to grant investment discretion to the firm. Wallace Advisory Group does not accept proxy authority to vote client securities and does not require prepayment exceeding $1,200 in fees per client.

Gebhardt Group, Inc., established in 2007, is a California-based financial advisor firm offering investment management and financial planning services. The firm's investment management services are structured around a proprietary financial planning system aimed at assisting clients in achieving personal and multi-generational financial goals. The firm follows a four-phase approach: Unpack Your Story, Define Your Story, Shape Your Story, and Bring Your Story to Life. Gebhardt Group acts as a fiduciary when providing investment advice, ensuring clients' best interests are prioritized. The firm manages discretionary assets totaling $266,188,543 as of December 31, 2023, with a minimum account size requirement of $1 million and a minimum annual fee of $15,000. Clients are recommended to maintain their accounts at Charles Schwab & Co. or Integrity Wealth, where the firm has access to institutional trading and custody services. Gebhardt Group does not engage in performance-based fees, soft dollar arrangements, or proprietary trading. The firm does not vote on proxy solicitations for client securities and does not maintain physical custody of client funds or securities. Clients receive regular portfolio reviews and reports, and the firm's employees are subject to a code of ethics and personal trading policies. Gebhardt Group provides financial planning and consultation services on an hourly or fixed-fee basis, with fees ranging from $500 to $150,000 depending on the complexity of the client's requirements. The firm does not recommend alternative investments or engage in IPOs, margin trading, or option trading on behalf of clients.

Lewis Asset Management, LLC, established in February 2007 by David W. Lewis, Jr., is a Registered Investment Advisor firm based in Lafayette, California. As a fiduciary, the firm acts in clients' best interests, offering customized investment advisory services such as portfolio management, asset allocation, security research, and portfolio rebalancing. The firm's investment strategies focus on long-term stability, avoiding market timing and high-frequency trading. Lewis Asset Management does not charge performance-based fees and serves individuals, high-net-worth individuals, and pension/profit sharing plans with no minimum account size requirement. The fee schedule is tiered based on assets under management, ranging from 2.00% for accounts up to $250,000 to negotiable rates for accounts over $5,000,001. The firm's custody services are held by a qualified custodian, and clients grant discretionary authority for transactions. Lewis Asset Management does not compensate for client referrals and maintains a Code of Ethics to ensure compliance and transparency. The firm's financial information shows no issues that could impact client service. For more details, visit www.lewisam.com or contact (925) 284-4033.

Garner Financial Management, Inc. is a registered investment advisor located in Lafayette, CA, and has been providing investment advisory services since 2002. The firm offers asset management services, retirement rollovers, flat fee consulting, and hourly consulting. Garner Financial Management operates as a fee-only advisor, charging fees based on a percentage of assets under management. The annual fee for investment management services ranges from 1.00% to 0.75%, depending on the portfolio size. The firm follows a fiduciary standard, ensuring that clients' interests come first. Clients have the option to cancel the agreement with a 30-day notice. Garner Financial Management utilizes fundamental and technical analysis in selecting securities and funds for client portfolios. The firm's investment strategies include long-term and short-term purchases, with a focus on client-specific investment goals and risk tolerance. The minimum account size for new clients is $500,000, and accounts are reviewed quarterly by Blair J. Garner. The firm does not charge performance-based fees and does not engage in side-by-side management. Garner Financial Management does not have any reportable disciplinary events and does not accept compensation for client referrals. The firm has no financial conditions that would impair its ability to meet contractual obligations.

Welty Capital Management LLC is a financial advisory firm based in Lafayette, California. It currently has approximately $98,702,566 of assets under management and employs about 1 people. Welty Capital Management LLC uses a fee structure of and a percentage of assets under your management.