MICHAEL K. HOWARD, CFP, President

Mike is President and co-founder of Emery & Howard Portfolio Management. Mike began his career in financial planning and investment management with Bechtel Investments in 1980 as a planner and investment analyst. In 1986, Mike became manager of personal financial planning for Ogilvie & Taylor, a private investment company in Palo Alto, CA. Mike has been quoted in The Wall Street Journal, The New York Times, Money Magazine and Fortune on various wealth management issues. He is a Certified Financial Planner and member of both the International Association for Financial Planning and the Institute of Certified Planners. Mike holds a Bachelor of Science degree in Finance from San Francisco State University and an MBA in Personal Financial Planning from Golden Gate University.

FRANK MARINARO, Managing Director & Chief Compliance Officer

Frank joined Emery & Howard in 1993 and serves as Managing Director and Chief Compliance Officer. Prior to Emery & Howard, Frank had an extensive career in corporate finance in Silicon Valley. Frank is member of Emery & Howard's Investment Committee and is responsible for financial planning, investment management, and regulatory compliance. In 1999, Frank earned the designation of Certified Investment Management Analyst from the Investment Management Consulting Association. Frank is Series 7 licensed and holds a Bachelor of Science degree in Finance and Accounting from the University of California, Berkeley School of Business

ROBERT GROSS, Managing Director

Rob joined Emery & Howard in 2006 and serves in the capacity of Managing Director. Prior to Emery & Howard, Rob worked over twenty years in commercial real estate managing both domestic and international property investments. Rob is member of Emery & Howard's Investment Committee and is responsible for financial planning and investment management. He is a Series 65 Registered Investment Advisor and licensed California State Real Estate Broker. Rob holds a Bachelor of Arts degree in Business Accounting from San Francisco State University and an MBA in Financial Services from Golden Gate University.

KATHY CHIN, Financial Services Manager

Kathy joined Emery & Howard in 1994. Kathy oversees client reporting, family office services and corporate services including restricted stock, options and 10B5-1 plans. Prior to joining Emery & Howard, Kathy worked for The Shorenstein Company in San Francisco, a real estate investment and management firm. Kathy graduated from San Francisco State University with a Bachelor of Arts degree in Broadcast Communications.

JULIE GIOVANNETTI, Client Services Manager

Julie joined Emery & Howard in 2003. Julie is responsible for client service activities including new account administration, account transfers and cash management services. Julie is a Notary Public and has worked in the financial service industry for several years prior to joining Emery & Howard.