Barbara Ralston is a financial advisor with Kovack Advisors, Inc. in Santa Barbara, CA, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. She has been with Kovack Securities, Inc. and Kovack Advisors, Inc. since 2016, and is also involved with TKG Financial, LLC. Outside of her advisory work, she serves as president of the Santa Barbara 500 Club, a women's bowling club, and is a partner in a business selling custom pet IDs and ornaments online. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves individuals, including high-net-worth clients, pension and profit-sharing plans, charitable organizations, banks, and government entities, utilizing a risk-based, model-driven investment approach supported by Envestnet technology.

Michael Dittamo is a financial advisor at Mission Wealth Management, LP in Santa Barbara, CA, with seven years of industry experience. His background includes roles at Bank of America, Merrill, and PlanMember Securities Corporation. Mission Wealth Management is a multi-team SEC-registered advisory firm serving affluent individuals, families, and institutional clients through customized wealth management, financial planning, and portfolio management. The firm employs long-term strategies with diversified investments and offers services including cross-border planning and ERISA fiduciary consulting.

Timothy Smith is a financial advisor at Wedbush Securities Inc. with 47 years of industry experience. He has been with Wedbush Morgan Securities since 2009 and previously worked at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Outside of his advisory role, he serves as a general partner of an equity fund, participates in community service with Kiwanis International, and acts as secretary for the Mountain Grove Cemetery Association. Wedbush Securities provides investment advisory and broker-dealer services to individual, high-net-worth, and institutional clients, offering a range of wealth management, fixed income, commodities, and research services. The firm’s portfolio management and operational capabilities include discretionary and non-discretionary management, as well as clearing, prime services, and securities lending.

Claudia Arnold is a financial advisor at Mission Wealth Management, LP with 21 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Dynamic Wealth Advisors for five years. Outside of her advisory role, Claudia dedicates time to educating women on money mindset and financial empowerment through her independent initiative, Afflowent. Mission Wealth Management is an SEC-registered, multi-team advisory firm serving affluent individuals, families, and institutional clients. The firm offers customized, long-term investment strategies with a range of financial planning and portfolio management services.

Cole Clifford is a financial advisor with Mission Wealth Management, LP in Santa Barbara, CA, holding a Series 65 credential and three years of industry experience. His prior work includes positions at Indeed, Capital Chevrolet, Chili's Bar and Grill, and six years of service in the United States Army. Mission Wealth Management is a multi-team SEC-registered advisory firm serving affluent individuals, families, and institutional clients with wealth management, financial planning, and portfolio management. The firm employs customized, typically long-term investment strategies across a wide range of asset classes and offers additional services including tax-aware trading, cross-border planning, and ERISA retirement plan fiduciary services.

Wayne Cassriel is a financial advisor at Kovack Advisors, Inc. with 31 years of industry experience. He holds Series 63 and Series 65 designations. His prior work includes roles at The Kelt Group, Securities America Advisors, LPL Financial, Mission Wealth Management, National Planning Corporation, and Morgan Stanley DW. Kovack Advisors is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves individuals, including high-net-worth clients, institutional plans, charitable organizations, and government entities, using a combination of internally created and third-party investment models supported by an Envestnet workflow.

Amber Ortiz is a CFP® professional with 16 years of industry experience, currently affiliated with RBC Securities, Inc. She has held prior roles at City National Securities, Inc., U.S. Bancorp Advisors, LLC, and Cetera Investment Services LLC. Outside of her advisory work, she serves as a board member for Laguna Blanca School and is a trustee for the Towbes Family Foundation, where she participates in fiduciary oversight and strategic planning. RBC Securities, Inc. offers wealth management and brokerage services to individuals, trusts, estates, IRAs, and retirement plans through its wrap-fee investment advisory program. The firm integrates banking and related financial services with investment management provided by an affiliated sub-advisor, delivering comprehensive financial planning and portfolio management.

Ryan Hublitz is a financial advisor at Mission Wealth Management, LP in Santa Barbara, CA. He holds a Series 65 designation and has recently begun his career in the industry. Prior to joining Mission Wealth Management, he worked at CopyRightSB for two years. Mission Wealth Management is a multi-team advisory firm serving affluent and high-net-worth individuals, families, and institutional clients with tailored wealth management, financial planning, and portfolio management services. The firm employs a range of investment strategies including ETFs, institutional mutual funds, alternative investments, and tax-aware trading, with an emphasis on long-term, customized approaches.

Sara Clark is a financial advisor at Mission Wealth Management, LP with 15 years of industry experience. She holds a Series 66 designation and has worked at firms including Mariner Wealth Advisors, AdvicePeriod, Kayne Anderson Capital Advisors, and Morgan Stanley. Mission Wealth Management is an SEC-registered, multi-team advisory firm that provides wealth management, financial planning, and personalized portfolio management primarily for affluent and high-net-worth individuals and families. The firm employs customized, long-term investment strategies involving ETFs, institutional mutual funds, individual securities, and alternative investments, supported by a risk management department licensed to place insurance products.

Joseph Tremonti is a financial advisor at Mission Wealth Management, LP in Santa Barbara, CA, holding a Series 65 designation with two years of industry experience. Prior to joining Mission Wealth in 2024, he worked at The Ritz-Carlton and was enrolled at the University of California Santa Barbara. Mission Wealth Management is an SEC-registered, multi-team advisory firm serving affluent and high-net-worth individuals, families, and institutional clients. The firm offers customized wealth management and financial planning services with a focus on long-term investment strategies using a diverse range of assets and third-party sub-advisors.

Vernon Fernandez is a financial advisor at Mission Wealth Management, LP in Santa Barbara, CA, holding a Series 65 credential. He has recently entered the industry with under one year of experience. Prior to joining Mission Wealth Management, his work history includes roles at ProService Hawaii, Renoster, Watershed, and Attentive. Mission Wealth Management is a multi-team advisory firm serving affluent individuals, families, pension plans, endowments, and retirement plan sponsors. The firm offers personalized wealth management and financial planning services with a focus on customized, long-term investment strategies across a broad set of asset classes, including alternative investments.

Cole Bechtel is a financial advisor at Mission Wealth Management, LP, holding a Series 65 credential with one year of industry experience. Prior to his current role, he worked at Altus Private and MKT Advisors in 2025. Outside the financial sector, he has experience working in the food service industry, including at Santa Barbara Pizza House from 2024 to 2026. Mission Wealth Management is a multi-team advisory firm serving affluent individuals, families, and institutions with wealth management, financial planning, and personalized portfolio management. The firm employs customized, long-term investment strategies across a broad range of asset classes and offers services through tiered models to meet varied client needs.

Andrew Meeder is a financial advisor with ValMark Advisers, Inc. based in Santa Barbara, CA. He holds a Series 66 designation and has nine years of industry experience. His prior work includes roles at Demboski & Chapman Financial and Insurance Solutions, JPMorgan Chase, Merrill Lynch, and Mass Mutual. ValMark Advisers provides investment advisory and financial planning services to individuals, high-net-worth clients, retirement plan sponsors, and institutional entities. The firm’s investment approach focuses on diversified, goal-based model portfolios and asset allocation, utilizing mutual funds, ETFs, and separate-account managers, with oversight from its investment committee.

Stephan Goyette is a CFP® and Series 65-licensed financial advisor with 21 years of industry experience. He currently works at Mission Wealth Management, LP and previously operated Goyette Financial Planning, Inc. DBA GFP Wealth Management for over two decades. Mission Wealth Management is a multi-team advisory firm serving affluent and high-net-worth individuals, families, and institutional clients. The firm provides customized wealth management and financial planning services using long-term strategies with ETFs, institutional mutual funds, alternative investments, and tax-aware trading.

Dannell Stuart is a Certified Financial Planner (CFP®) with 26 years of industry experience, currently serving at Mission Wealth Management, LP in Santa Barbara, CA. He has been with Mission Wealth Management in various capacities since 2010. Stuart is a board member of the Endowment Committee for the Women's Fund of Santa Barbara. Mission Wealth Management is a multi-team advisory firm providing wealth management, financial planning, and portfolio management primarily for affluent and high-net-worth individuals and families, as well as for pension plans, endowments, and retirement plan sponsors. The firm utilizes customized, typically long-term investment strategies incorporating ETFs, mutual funds, individual securities, and alternative investments, with services often managed on a discretionary basis.

Gregory Prince is a CFP® professional at Mission Wealth Management, LP with six years of industry experience. His prior work includes roles at Fisher Investments and Consilium Wealth Management. Mission Wealth Management is a multi-team advisory firm serving affluent individuals, families, and institutional clients with wealth management, financial planning, and personalized portfolio management. The firm emphasizes customized, long-term strategies across a variety of investment vehicles and incorporates tax-aware trading, rebalancing, and fiduciary retirement plan services.

John Demboski is a CFP® professional with 24 years of experience in the financial services industry, currently serving at ValMark Advisers, Inc. since 2010. He is CEO and President of Demboski & Chapman Financial and Insurance Solutions, Inc., and regularly engages in industry speaking and authorship on ethical leadership and success principles in finance. Additionally, he serves as a board member for Hillside House, a nonprofit organization in Santa Barbara. ValMark Advisers provides investment management, financial planning, and retirement plan advisory services through a network of approximately 280 representatives. The firm employs diversified, goal-based model portfolios with a focus on multi-asset allocation using mutual funds, ETFs, and third-party managers, supported by proprietary platforms and comprehensive due diligence.

Kenneth Hyman is a financial advisor with CreativeOne Wealth, LLC, holding a Series 63 credential and bringing 41 years of industry experience. His prior roles include positions at MIT Associates, Elysian Capital Markets Group, Sorrento Pacific Financial, and PartnerVest Advisory Services. He also serves as an arbitrator with FINRA Dispute Resolution, a role he has held since 2002. CreativeOne Wealth, LLC provides fee-based asset management, financial planning, and retirement plan consulting to individuals, corporations, charitable organizations, and other RIAs. The firm utilizes a mix of proprietary ETF-based models, third-party managers, and option-based strategies, supporting tailored suitability assessments and regular portfolio rebalancing.

Emil Nazaretyan is a financial advisor at Mission Wealth Management, LP in Santa Barbara, CA, holding Series 63 and Series 65 licenses with eight years of industry experience. He has been with Mission Wealth Management since 2018 and previously worked at Mercer Advisors. Emil also has experience as a caregiver for a family member and in the conference services industry. Mission Wealth Management is a multi-team advisory firm serving affluent individuals, families, and institutional clients with wealth management, financial planning, and personalized portfolio management. The firm employs customized, long-term investment strategies across various asset classes and offers services through multiple tiered models.

Travis King is a financial advisor at Kingswood Wealth Advisors, LLC with 20 years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo Clearing and Wells Fargo Advisors LLC. Kingswood Wealth Advisors serves a diverse range of retail and institutional clients, including high-net-worth individuals and retirement plan sponsors. The firm provides portfolio management, financial planning, ERISA plan advisory, and consulting services, utilizing an open-architecture platform and integrating insurance-linked account management within its multi-team operational model.