Janine Northway is a financial advisor with Planmember Securities Corporation in Carpinteria, CA. She holds Series 63 and Series 65 licenses and has eight years of industry experience. Outside of her advisory role, she works in event security at the Santa Barbara Bowl through Miller Event Management. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm employs a strategic asset allocation framework and manages risk-based mutual fund portfolios, while also offering education and support services to plan sponsors and participants.

Justin Shane is a CFP® with 12 years of experience and is affiliated with Mercer Global Advisors Inc. He has worked at Mercer Global Advisors in various roles since 2015. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments, offering investment advisory services alongside financial, tax, retirement, and estate planning and family office services. The firm’s investment approach is based on Modern Portfolio Theory, emphasizing globally diversified and risk-appropriate portfolios implemented with low-cost ETFs, index funds, separate account managers, and other strategies.

Kevin Baird is a financial advisor with United Planners' Financial Services of America, holding a Series 63 designation and bringing 36 years of industry experience. He has been with United Planners since 2011 and is also president of Baird Wealth Strategy Group LLC. Outside of advisory services, he is involved in marketing non-variable insurance products. United Planners Financial Services is a national wealth-management enterprise offering advisory and brokerage services to a diverse client base, including individuals, retirement plans, corporations, and institutional clients. The firm employs independent Investment Adviser Representatives and utilizes a range of custodians and third-party managers to deliver strategies, with a significant portion of assets managed on a non-discretionary basis.

Antonia La Rocca is a financial advisor at Sanctuary Advisors, LLC with 31 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at UBS Financial Services and Citigroup Global Markets prior to joining Sanctuary Advisors. Based in Santa Barbara, CA, she has been with Sanctuary Advisors and Sanctuary Securities since 2022. Sanctuary Advisors, LLC provides investment advisory and financial planning services to a diverse range of clients, including individuals, corporations, pension plans, trusts, and charitable organizations. The firm supports a network of more than 400 independent advisors who employ various investment approaches and manage accounts on both discretionary and non-discretionary bases, utilizing platforms such as Separately Managed Accounts and Unified Managed Accounts.

Thomas Azoury is a financial advisor at Mercer Global Advisors Inc. with 10 years of industry experience. He holds Series 65 and Series 66 licenses and has worked at firms including Salesforce, JP Morgan Chase Bank, JP Morgan Securities, Bank of America, and Merrill prior to joining Mercer. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments by providing investment advisory services alongside financial, tax, retirement, and estate planning. Their investment approach employs Modern Portfolio Theory to construct globally diversified, risk-appropriate portfolios using a variety of low-cost and specialized investment vehicles.

Kristen Koch is a CFP® with 23 years of industry experience, currently serving at Cerity Partners LLC. Prior to joining Cerity Partners in 2025, she held positions at West Coast Financial, Pivot Independent Financial, Cambridge Investment Research Advisors, and Centaurus Financial. She is a member and general partner of West Coast Financial, LLC, which manages several private real estate funds outside of Cerity Partners. Cerity Partners advises a diverse client base including individuals, families, trusts, business entities, and institutional investors, with approximately $166 billion in client assets under management. The firm employs a client-specific investment framework combining quantitative screening, manager selection, and customized access to private market solutions.

Kevin Twohy is a financial advisor at Planmember Securities Corporation with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Planmember since 2003. Outside of his advisory role, he is involved in marriage education and relationship workshops through businesses he founded and leads. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm uses a top-down strategic asset allocation approach and manages unitized, risk-based mutual fund portfolios ranging from conservative to aggressive.

Steven Hanson is a Series 65 licensed financial advisor with 17 years of industry experience. He has been with PlanMember Securities Corporation since 1995. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, serving as an ERISA Section 3(38) fiduciary for many plans. The firm focuses on a strategic asset allocation framework and manages risk-based mutual fund portfolios, while offering education and support services to plan sponsors and participants.

David Haislip is a CFP® with over 43 years of industry experience. He is currently with PlanMember Securities Corporation and also associated with Fourth Point Wealth. His prior experience includes roles at LPL Financial, Grove Point Investments, and H. Beck, Inc. He has maintained a self-employed insurance agency since 1980 focused on life, health, and fixed insurance sales. PlanMember Securities Corporation provides retirement-plan advisory services acting as an ERISA Section 3(38) fiduciary and offers participant-level investment options through its PlanMember Asset Allocation Portfolios. The firm emphasizes a top-down strategic asset allocation approach, managing risk-based mutual fund portfolios and delivering education and support to plan sponsors and participants.

Benjamin Parker is a Series 66-licensed financial advisor with 12 years of industry experience. He has worked at PlanMember Securities Corporation since 2020 and previously held positions at JP Morgan Securities, Bank of America, and Merrill. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, serving as an ERISA Section 3(38) fiduciary for many plans and offering education, support, and a range of risk-based mutual fund portfolios through a structured asset allocation process.

Jack Stoops is a Series 66-licensed financial advisor at PlanMember Securities Corporation with under one year of industry experience. His prior work includes roles at Target and California Polytechnic State University. PlanMember Securities Corporation provides retirement plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans and offering participant-level investment options through risk-based mutual fund portfolios. The firm also delivers education and support services, utilizing a top-down strategic asset allocation framework and periodic rebalancing based on defined Strategic Rebalancing Events.

James Appel is a ChFC® and Series 66 licensed financial advisor with 11 years of experience, currently with Centaurus Financial, Inc. He has been with Centaurus since 2015. Outside of his primary role, he is involved with Tremblay Financial Services, a non-investment-related business established in 1997 that he uses for marketing purposes. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers a range of services such as financial planning, portfolio management through its CLASSIC Plus platform, retirement-plan consulting, and specialized management of annuity and variable life sub-accounts.

Lisa Neff is a CFP® professional with 13 years of industry experience, currently serving as an advisor at Cerity Partners LLC. Her prior roles include positions at West Coast Financial, LLC, Alpha Titans LLC, and PartnerVEST Advisory Services LLC. She is a board member and chair of the Investment Committee for the nonprofit Channel Islands YMCA. Cerity Partners advises a broad client base including high-net-worth individuals, families, trusts, business entities, and institutional investors, managing approximately $166.2 billion in client assets. The firm offers customized wealth management services with an investment approach centered on client-specific profiles, integrating quantitative screening, manager selection, and access to alternative and private market solutions.

Allyn Close is a CFP® professional with 41 years of experience, currently serving at Planmember Securities Corporation since 2010. Based in Carpinteria, CA, Allyn holds Series 63 and Series 65 licenses. PlanMember provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm’s investment approach is based on strategic asset allocation and risk-based mutual fund portfolios, complemented by education and support services for plan sponsors and participants.

Josiah Taylor is a CFP® professional affiliated with Mercer Global Advisors Inc. in Santa Barbara, CA, with experience at the firm since 2021. Prior to his advisory role, he worked at Prevail Conditioning from 2016 to 2022. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments, offering investment advisory, financial, tax, retirement, estate planning, and family office services. The firm’s investment approach is based on Modern Portfolio Theory, utilizing globally diversified portfolios through a mix of low-cost ETFs, index funds, separate account managers, direct indexing, and private funds, complemented by specialized programs and tax-management options.

Deborah Stoker is a financial advisor at Centaurus Financial, Inc. with two years of industry experience. She holds a Series 66 credential and is also the owner of Debi's Designs, a residential and commercial design business. Prior to her current role, she has worked at various companies including rideshare services and a design firm. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning and portfolio management services through the CLASSIC Plus platform, utilizing both discretionary and non-discretionary arrangements with a variety of investment analysis techniques.

Brooks Allen is a financial advisor with PlanMember Securities Corporation, holding Series 63 and Series 65 licenses and six years of industry experience. His prior roles include positions at One Capital Management, LLC and Mercer Global Advisors Inc. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans and offering participant-level investment options. The firm uses a top-down strategic asset allocation framework and manages risk-based mutual-fund portfolios, complemented by education and support services for plan sponsors and participants.

Donna Payne is a financial advisor at Centaurus Financial, Inc. with 45 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Centaurus Financial since 2010, following roles at VSR Financial Services, PartnerVEST Advisory Services, and A. G. Edwards & Sons. Outside of her advisory work, she operates Summerland Preserves, a small business creating and selling jams, preserves, and jellies, and she is also a licensed real estate broker serving her local community. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers a variety of portfolio management and financial planning services using both discretionary and non-discretionary arrangements, supported by fundamental and technical analysis methods as well as third-party overlay managers and specialists.

David Walker is a financial advisor with United Planners Financial Services of America, holding Series 63 and Series 66 credentials and over 20 years of industry experience. His prior work includes roles at Jackson National Life Distributors LLC and founding Seagull Lane Asset Management LLC, where he serves as president. United Planners Financial Services is a national wealth-management enterprise with approximately $12.77 billion in assets under management, serving individual and institutional clients through independent investment adviser representatives using a range of custodians and third-party managers.

Clayton Murdy is a CFP® and Series 66 credentialed advisor at Cerity Partners LLC with 24 years of industry experience. He previously worked at West Coast Financial, LLC, Pivot Independent Financial, LLC, Cambridge Investment Research Advisors, Centaurus Financial, Inc., and VOYA Financial Advisors, Inc. Murdy serves as a trustee, treasurer, and chair of the financial committee for Crane Country Day School in Santa Barbara, CA. Cerity Partners advises a wide range of clients, including high-net-worth individuals, families, trusts, businesses, and institutional investors, managing approximately $166.2 billion in assets as of the end of 2025. The firm offers customized wealth management services integrating quantitative screening, manager selection, and direct security selection, along with access to alternative and private market solutions and affiliated business platforms that provide expanded service options.