Kyle Lantow is a CFP® and holds a Series 65 license with three years of industry experience. He is currently with Cerity Partners LLC and previously worked at West Coast Financial, LLC. Outside of his advisory role, Lantow serves as a river rafting guide for Momentum River Expeditions, Inc. Cerity Partners provides customized wealth management and related services to a broad national client base, including individuals, families, trusts, business entities, charitable organizations, and institutional investors. The firm offers tailored asset allocation, manager selection, and periodic rebalancing using proprietary quantitative screens alongside third-party managers and individual securities.

Dawn Kirchner is a Certified Financial Planner® (CFP®) with 25 years of industry experience, all of which have been spent at Centaurus Financial, Inc. in Santa Barbara, CA. She holds Series 63 and Series 65 licenses and has been with Centaurus since 2000. 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, portfolio management through the CLASSIC Plus platform, retirement-plan consulting, and advisory management of annuity and variable life sub-accounts, employing both discretionary and non-discretionary arrangements.

William Wagner is a financial advisor at Kestra Advisory with 29 years of industry experience. He holds a Series 63 designation and previously worked at Kinecta Financial & Insurance Services, LLC and LPL Financial, LLC. Wagner operates through Kestra Advisory Services and is involved in registered representative activities at True North Wealth Management, focusing on asset management and retirement strategy development. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base, including institutional and individual investors. The firm offers services such as plan design, fiduciary consulting, plan-level investment advice, and employee education, managing approximately $79.8 billion in assets.

William Toner is a CFP®-certified financial advisor with 40 years of industry experience. He is currently with OSAIC and has previously worked at Sagepoint Financial, Inc., and Pacific Investment Management Company LLC. OSAIC serves a diverse range of clients including retail and institutional investors, offering integrated brokerage and advisory services through a large network of advisers and multiple advisory platforms. The firm employs a variety of asset-allocation tools and third-party solutions to construct and manage portfolios across different investment types.

Brittney Louise Bell is a financial advisor at Merrill with seven years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2010. The firm, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Ben Tucker is a Series 66-licensed financial advisor with UBS Financial Services in Santa Barbara, CA, with 20 years of industry experience. He previously worked at Merrill for nine years before joining UBS in 2015. Tucker serves on the board of directors for the MIT Enterprise Forum, Central Coast, where he is involved in event planning for educational forums. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory services, combining institutional trading capabilities with wealth management to provide tailored investment solutions.

Alex Sanchez is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at J.P. Morgan Securities and Chase Investment Services Corp. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Scott Martin is a financial advisor with MassMutual Investors Services in Santa Barbara, CA, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. His prior work includes roles at MetLife Securities and MassMutual Life Insurance Company. Outside of financial advising, he serves as CFO of a legal software startup and acts as an expert witness in legal cases. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm provides comprehensive planning supported by technology tools and offers specialized programs including Divorce Planning and employer-sponsored planning services.

John Hepp is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. He began his career as a financial advisor in 1994, following nearly 15 years as a client of Merrill Lynch. In 1996, he co-founded The JJD Group alongside two other financial advisors, bringing together diverse expertise in wealth management disciplines to assist clients in navigating complex financial matters. Over more than four decades, including 28 years with Merrill Lynch, John has focused on helping clients pursue their financial goals by providing wealth management services that address risk management, future planning, retirement, asset and liability management, wealth transfer, and other financial strategies. His approach emphasizes personalized care, flexibility, and clear communication, treating clients as individuals and fostering long-term relationships. John holds the Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA) designations. He earned his High School Diploma from Greendale High School. Outside of his professional responsibilities, he is involved with the Red Cross of Santa Barbara and enjoys a variety of personal interests including baseball, football, golfing, hiking, music, skiing, spending time with family, swimming, tennis, and traveling.

Grace Hardin is a Series 66–licensed financial advisor at UBS Financial Services with one year of industry experience. Prior to joining UBS, she worked at The Ritz-Carlton Hotel Company for two years. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services supported by proprietary research and model-based asset allocations.

Thomas Jackson is a Private Wealth Manager with Merrill Private Wealth Management. He joined Merrill in June 2015 and focuses on managing and developing business within the corporate cash management segment. Thomas has extensive experience in corporate cash management, having previously worked at Barclays, where he helped run the West Coast Corporate Cash business. Before that, from 2003 to 2013, he co-managed Deutsche Bank’s Corporate Cash Group. He began his finance career in 1997 at Donaldson, Lufkin, and Jenrette with a focus on institutional fixed income, continuing through its merger with Credit Suisse. Thomas holds a Bachelor of Science degree from Vanderbilt University and has earned the Personal Investment Advisor (PIA) designation. He resides in Santa Barbara, California with his wife and three sons.

Brett Grimes is a financial advisor at Wells Fargo Clearing with 41 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment management guided by investment policy statements and modern portfolio theory. The firm’s services include investment searches, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related products and bank deposit sweep options.

Efrain Vera is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. He has been with Wells Fargo-related entities since 2012. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Joshua Timpe is a Wealth Management Advisor at Merrill Lynch Wealth Management, specializing in serving high-net-worth and ultra-high-net-worth individuals and their families. His expertise encompasses a wide range of financial services including equity compensation services, legacy planning, liquidity management, personal retirement planning, portfolio management, small business strategies, women and wealth, tax minimization, and retirement income. Joshua holds professional designations as a Chartered Financial Consultant (ChFC) and Personal Investment Advisor (PIA), bringing a comprehensive understanding of complex financial situations. He attained his High School Diploma/GED from Santa Barbara City College. Outside of his professional role, Joshua is involved in community organizations such as Mission Scholars, Santa Barbara Rugby Football Club, and the Santa Barbara Young Professionals Club. His personal interests include adventure sports, camping, hiking, music, pickleball, reading, running, spending time with his family, traveling, and watching movies.

Armando Campos is a financial advisor with Wells Fargo Clearing in Montecito, CA, holding Series 63 and Series 66 licenses and having nine years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2017 and also with Wells Fargo Bank NA since 2015. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a combination of brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Lisa Schomer is a CFP® with 34 years of industry experience, currently serving as a financial advisor at LPL Financial since 2009. Prior to that, she worked at Waterstone Financial Group, Inc. from 2005 to 2009. Outside of her advisory work, she is an author and publisher, focusing on her experiences as a single mother, and operates a publishing company. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a variety of financial planning and portfolio management solutions, combining broad-scale resources with a range of investment strategies.

William Walters is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in providing financial advisory services to clients, leveraging his expertise to support their wealth management needs. He holds a Bachelor's Degree from the University of Virginia. Further details about his professional experience, areas of expertise, personal interests, or community involvement have not been provided.

David Hellewell is a financial advisor with Charles Schwab who holds Series 63 and Series 66 credentials and has 23 years of industry experience. He worked at Fidelity from 2004 to 2009 before joining Charles Schwab in 2009, where he has been since. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset strategic asset allocation approach supported by centralized operational and custody arrangements.

Robert Kriz is a financial advisor at Cetera with one year of industry experience. He holds the Series 66 designation and has been involved in financial services through roles at Cetera and Santa Barbara Coastal Advisors. Outside of advising, he has worked in operations and administrative capacities. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts nationwide. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Matthew Rowe is a financial advisor with Raymond James & Associates in Santa Barbara, CA, holding Series 63 and Series 65 licenses and having 25 years of industry experience. He previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney, serving in advisory roles for a combined nine years before joining Raymond James in 2020. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.