Michael F. Maloon is a Financial Planner and Principal of California Financial Advisors in San Ramon. Mr. Maloon earned his Bachelor of Science Degree in Business Administration with emphasis in Finance from California State University, Hayward in 1986. The following year, he completed his M.B.A. degree in Financial Planning from Golden Gate University in San Francisco.

He received his Certified Financial Planner (CFP) designation from the College for Financial Planning in 1989. He also earned his Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU) designations from the American College in Bryn Mawr, Pennsylvania.

Mr. Maloon has taught Financial Planning at the Graduate School of Business of Golden Gate University. He also speaks at seminars and has published articles on a wide variety of financial planning issues. He is a frequent contributor to The Wall Street Journal.

Michael enjoys traveling off the beaten path, ranging from camping in the Peruvian rainforest to chasing solar eclipses in Africa. He likes to chase the stars as well, and is a member in a number of astronomy clubs. He also coaches little league baseball and basketball.

Michael and his wife live in the San Ramon Valley with their three children.

Thomas J. Powers is a Financial Planner and Principal of California Financial Advisors. Mr. Powers graduated from California State University, Chico, in 1988 with a Bachelor of Science Degree in Finance. He received his Chartered Financial Consultant (ChFC) designation from The American College in 1991. Mr. Powers received his Chartered Life Underwriter (CLU) designation in 1993 and his Certified Financial Planner (CFP) designation in 1994.

Mr. Powers specializes in working with corporate managers and executives in planning for retirement, utilizing stock options and deferred compensation plans, and the management of retirement and other investment assets. Mr. Powers is a featured speaker at numerous financial planning seminars in the Bay Area. Tom enjoys spending time with his wife and two young children.

Tom also enjoys time away by playing golf or hockey. You can often find Tom at the San Jose Arena, cheering on the Sharks in their quest for the Stanley Cup.

Mark A. Pitre is a Financial Planner and Principal of California Financial Advisors in San Ramon. Mr. Pitre earned his Bachelor of Science Degree in Business Administration with an emphasis in Finance from the University of San Francisco in 1986, and his Masters in Business Administration with an emphasis in Finance from the University of San Francisco in 1988.

He received his Certified Financial Planner (CFP) designation from the College for Financial Planning in Denver, Colorado in 1992. He is also a member of the Financial Planning Association (FPA).

Mr. Pitre has taught Risk Management and Personal Financial Planning for the Graduate School of Business at Golden Gate University, located in Los Altos, California. He has also been quoted in the Wall Street Journal and Bottom Line Personal Finance.

Mark enjoys spending time with his family, coaching Little League Baseball, and watching the San Francisco Giants.

Michelle Perry Higgins is a Financial Planner and Principal of California Financial Advisors in San Ramon. Ms. Higgins graduated from St.Mary's College, with concentration in Business Administration and Economics.

Ms. Higgins specializes in wealth management, and has built a successful practice advising executive professionals into retirement. Her passion for financial management has helped hundreds of individuals better understand the process of investing and financial planning.

In keeping with her passion, Michelle is a frequent public speaker on retirement planning, investments, wealth management, college education funding, estate planning and insurance.

Michelle enjoys spending time with her husband and their two daughters. The Higgins family stays active by traveling and enjoying their lake home in Clearlake.

Jonathan L. Becker is a Financial Planner with California Financial Advisors.  Mr. Becker received his Bachelor of Arts Degree from Stanford University in 1976, his Juris Doctorate degree from  UC Davis in 1979, and his MBA from the University of Hawaii in 2003.  He is currently enrolled in the Certified Financial Planner (CFP) program at UC Berkeley Extension.

Jonathan enjoys spending time cooking, reading and playing tennis.  He is also actively involved in community organizations in and around Walnut Creek.

John A. Cordano is a Financial Planner with California Financial Advisors. Mr. Cordano earned his Bachelor of Science Degree in Business Administration with an emphasis in Finance from California State University, Chico in 1992. While at the university, he also completed the Financial Planning curriculum authorized by the International Board of Standards and Practices for Certified Financial Planners (IBCFP).

He received his Chartered Financial Consultant (ChFC) designation from The American College based in Bryn Mawr, Pennsylvania in 1996.

Mr. Cordano specializes in working with corporate employees and executives in planning for retirement and managing their wealth. John has been a featured speaker at numerous financial planning, investment and retirement planning seminars throughout the Bay Area. He also has been published in the Wall Street Journal's real estate publication, RealEstateJournal.com and was selected as a Five Star Wealth Manager in 2011, which was featured in the November, 2011 issue of Diablo Magazine.

2011 Five Star Wealth Manager Award, Diablo Magazine

John enjoys spending time with his family, traveling and attending Bay Area sporting events.

Raymond Tan is a Financial Planner with California Financial Advisors. Mr. Tan graduated from California State University, Hayward in 1987 with a Bachelor of Science Degree in Marketing. He received his Chartered Financial Consultant (ChFC) designation from The American College based in Bryn Mawr, Pennsylvania in 1997.

Mr. Tan has been a featured speaker at numerous seminars in the area and has spoken at the Hayward Financial Management Association at California State University. He is a member of the American Society of ChFC.

When he can get away, Ray enjoys exploring distant lands including Costa Rica and Asia. He is also involved in coaching youth soccer.

Ray and his wife live in Auburn with their two children.