Matthew Cook is a CFP® professional with 22 years of experience in financial advising. He has been with Mercer Global Advisors Inc. since 2015, currently serving in their Santa Barbara, CA office. Mercer Global Advisors provides investment advisory and planning services to individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofit organizations. The firm employs a globally diversified, risk-appropriate investment approach based on Modern Portfolio Theory, utilizing low-cost index vehicles, multi-factor tilts, and tax management strategies.

Terrall Janeway is a financial advisor with PlanMember Securities Corporation, holding a Series 63 license and 28 years of industry experience. He has been with PlanMember Securities since 1998. 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 its asset allocation portfolios. The firm uses a top-down strategic asset allocation approach and manages risk-based mutual fund portfolios, while also providing education and support services to plan sponsors and participants.

James Weimer is a CFP® and holds a Series 65 license with nine years of industry experience. He currently works at Cerity Partners LLC and previously spent nine years at West Coast Financial, LLC. Cerity Partners provides customized wealth management and related services to a broad national client base, including high-net-worth and ultra-high-net-worth individuals, families, trusts, estates, business entities, charitable organizations, and institutional investors. The firm employs tailored asset allocation and manager selection, using proprietary quantitative screens alongside third-party managers and individual securities, and offers a range of services such as portfolio management, financial planning, retirement plan consulting, tax planning, and access to alternative and private-market investments.

Ralph Hemphill is a financial advisor at PlanMember Securities Corporation with a Series 66 credential and one year of industry experience. His prior work includes various roles at the University of California Santa Barbara and other educational and coaching positions. 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 its PlanMember Asset Allocation Portfolios. The firm uses a top-down strategic asset allocation framework combined with risk-based mutual fund portfolios and delivers education, support services, and personalized retirement planning to plan sponsors and participants.

Stefani Kohler is a CFP® with 12 years of experience, currently serving at Mercer Global Advisors Inc. in Santa Barbara, CA. Her entire professional career has been with Mercer Global Advisors, spanning multiple roles since 2014. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments with discretionary and non-discretionary investment advisory services alongside financial, tax, retirement, and estate planning. The firm employs a Modern Portfolio Theory approach, emphasizing globally diversified, risk-appropriate portfolios implemented through a combination of low-cost ETFs, index funds, separate account managers, and other investment vehicles.

Daniel Stowe is a financial advisor with PlanMember Securities Corporation in Carpinteria, CA, holding a Series 63 designation and 24 years of industry experience. He has been associated with PlanMember in various capacities since 2001 and also operates Stowe Financial, focusing on fixed insurance products. PlanMember provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm utilizes a top-down strategic asset allocation framework with risk-based mutual fund portfolios and offers education and support services to plan sponsors and participants.

Patrick Lynn is a financial advisor with Planmember Securities Corporation in Carpinteria, CA. He holds Series 63 and Series 65 licenses and has 27 years of experience in the industry, including 23 years with Planmember Securities. PlanMember 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 its PlanMember Asset Allocation Portfolios. The firm uses a top-down strategic asset allocation framework and manages risk-based mutual fund portfolios with periodic rebalancing, while also delivering education and support services to plan sponsors and participants.

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 and holds a Series 63 designation. He has 35 years of industry experience and is based in Santa Barbara, CA. In addition to his advisory work, he serves as president of Baird Wealth Strategy Group LLC and is involved in marketing investments and insurance. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, and institutional clients. The firm operates as both a registered investment adviser and broker-dealer, offering open-architecture investment platforms and a mix of fee-based and commission-based services through its network of 477 independent advisors.

Antonia La Rocca is a financial advisor at Sanctuary Advisors, LLC with 30 years of industry experience. She holds Series 63 and Series 65 designations and has worked at UBS Financial Services since 2008 before joining Sanctuary Advisors in 2022. Sanctuary Advisors, LLC serves a broad range of clients including individuals, corporations, pension and profit-sharing plans, trusts, estates, and charitable organizations. The firm offers portfolio management, financial planning, retirement plan consulting, and access to a variety of managed account platforms, delivering advice through a network of over 400 independent investment adviser representatives.

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.

Ryan Reiff is a financial advisor at Cerity Partners LLC in Santa Barbara, CA, holding a Series 65 designation with four years of industry experience. He previously worked at West Coast Financial, LLC from 2021 to 2025 and spent four years at UC Santa Barbara. Cerity Partners provides customized wealth management and related services to a diverse national client base, including high-net-worth individuals, families, trusts, business entities, and institutional investors. The firm emphasizes tailored asset allocation, manager selection, and periodic rebalancing, incorporating proprietary quantitative screens alongside third-party managers and individual securities.

Kristen Koch is a CFP® professional with 23 years of industry experience, currently serving at Cerity Partners LLC since 2025. She was previously with West Coast Financial, LLC for nine years, where she also held roles as a member and general partner in multiple private real estate funds. Cerity Partners provides customized wealth management and related services to a diverse national client base, utilizing tailored asset allocation, manager selection, and a mix of proprietary quantitative tools and third-party managers.

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.

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® with 12 years of industry experience, currently serving as a financial advisor at Cerity Partners LLC. She previously worked at West Coast Financial, LLC for ten years. Neff is a board member and chair of the investment committee for the Channel Islands YMCA, a nonprofit organization. Cerity Partners LLC is an SEC-registered investment adviser serving a diverse client base including individuals, families, trusts, corporations, and institutional investors. The firm offers a range of services such as investment management, financial planning, tax and insurance support, and retirement plan services, with a focus on diversified asset allocation and access to alternative and private-market investments.