Aaron Simmons is a CFP® and holds a Series 65 designation, currently serving as a financial advisor at Cerity Partners LLC with two years of industry experience. Prior to Cerity Partners, he worked at West Coast Financial, LLC and has been involved with Pali Wine Co as well as roles at the University of California Los Angeles and University of California Santa Barbara. Cerity Partners provides customized wealth management and related services to a broad national client base, including individuals, families, trusts, business entities, and institutional investors. The firm uses tailored asset-allocation and manager selection processes combining proprietary quantitative screens with third-party managers and individual securities, and offers specialized services such as retirement plan consulting, tax planning, and access to alternative and private-market investments.

Kyle Boeckmann is a financial advisor at PlanMember Securities Corporation with five years of industry experience. He holds Series 63 and Series 66 registrations. Prior to joining PlanMember in 2020, he worked at CSU San Bernardino and Sprouts Farmers Market. PlanMember Securities Corporation provides retirement-plan advisory services to employers and participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm uses a top-down strategic asset allocation approach to manage risk-based mutual fund portfolios and offers education and support services, including seminars and personalized retirement planning.

Joseph Ferreira is a financial advisor at Cerity Partners LLC with 14 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. Prior to joining Cerity Partners in 2025, he worked at West Coast Financial, LLC for eight years. Outside of his advisory role, he serves as a member and general partner of West Coast Financial, LLC, which manages several private real estate funds. Cerity Partners is an SEC-registered investment adviser serving a diverse client base that includes individuals, families, trusts, corporations, and institutional investors. The firm offers a range of services including investment management, financial planning, tax and insurance support, and access to alternative and private-market investments, with a focus on diversified asset allocation and customized portfolio management.

Michael Morando Jr is a Series 66-licensed financial advisor at Centaurus Financial, Inc. with 13 years of industry experience. He has been with Centaurus Financial since 2012. Outside of his advisory work, he is involved in educational speaking and webinars for Compassion International and participates in an estate planning team. 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 specialized advisory services under both discretionary and non-discretionary arrangements.

Amy Macleod is a financial advisor at Cresset Asset Management, LLC with 16 years of industry experience. She holds a Series 65 designation and previously worked at Manchester Capital Management LLC for 13 years. Outside of her advisory role, she is a partial owner of Kinevan Ranch, LLC. Cresset Asset Management is an SEC-registered investment adviser managing approximately $71.9 billion in client assets for a diverse range of clients, including individuals, families, trusts, retirement plans, and charitable organizations. The firm focuses on diversified, asset-allocation-driven portfolio construction using both active and passive strategies, with a structured due diligence program that includes quantitative and qualitative manager review and private fund management.

Ron Culverson is a financial advisor with PlanMember Securities Corporation in Carpinteria, CA, holding Series 63 and Series 65 licenses and possessing 32 years of industry experience. His prior work includes positions at Tech Real Estate Group and a long tenure at Irm Distributors, Inc. since 1994. 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 participant-level investment options. The firm’s investment approach emphasizes a top-down strategic asset allocation framework and manages risk-based mutual fund portfolios ranging from conservative to aggressive.

Bryan Jones is a financial advisor at PlanMember Securities Corporation with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at PlanMember since 2007. Outside of his advisory role, he serves as Treasurer for the Thousand Oaks High School Lancer Baseball Booster Club. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as a fiduciary under ERISA Section 3(38) for many plans. The firm’s investment approach centers on a strategic asset allocation framework with risk-based mutual fund portfolios and includes comprehensive education and support services for plan sponsors and participants.

Ryan Burnham is a financial advisor at Centaurus Financial, Inc. with 20 years of industry experience. He holds the Series 66 designation and has been with Centaurus Financial since 2006. Outside of his advisory work, he is involved in a non-investment-related business activity under the name Tremblay Financial Services. 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, retirement-plan consulting, and specialized advisory services through both discretionary and non-discretionary arrangements using a combination of fundamental and technical analysis.

Kimberly Anderson is a financial advisor with PlanMember Securities Corporation in Carpinteria, CA, holding Series 63 and Series 65 licenses and 19 years of industry experience. Her career includes roles at Forrest T. Jones & Co. dba FTJ Retirement Advisors and National Pension & Group Consultants, Inc. She is involved in insurance sales and product management with Fidelity Security Life Insurance Co. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, offering fiduciary oversight, participant education, and a range of risk-based mutual fund portfolios. The firm uses a strategic asset allocation process combined with economic analysis and periodic rebalancing to manage investment decisions.

Alejandro Ochoa is a financial advisor with Independent Advisor Alliance, LLC and holds a Series 66 license. He has 22 years of industry experience and has previously worked with LPL Financial LLC and Independent Financial Partners. Based in Santa Barbara, CA, he has been with Independent Advisor Alliance since 2018. Independent Advisor Alliance serves a diverse clientele including individuals, small businesses, charitable organizations, and retirement plans, providing services such as asset management, financial planning, and retirement plan consulting. The firm utilizes various portfolio management strategies and technology platforms to deliver comprehensive advisory services.

Jessica Layman is a CFP® with 11 years of industry experience and is currently with Cerity Partners LLC. She previously worked at West Coast Financial, LLC for over eight years. Jessica holds the Series 65 designation and is based in Santa Barbara, CA. Cerity Partners is an SEC-registered investment adviser serving a diverse client base including high-net-worth 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 access to alternative and private-market investments, emphasizing diversified asset allocation and customized portfolios.

David Goss III is a financial advisor with Planmember Securities Corporation, holding a Series 63 designation and 28 years of industry experience. His career includes longstanding roles at Reliastar, David A. Goss III Financial Services, Inc., and Goss Swier Financial Services. He is involved with David A. Goss III Financial Services, Inc., where he serves as an agent specializing in investment and insurance. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as a fiduciary for many plans and offering participant-level investment options. The firm employs a top-down strategic asset allocation approach and manages risk-based mutual fund portfolios, complemented by educational and support services for plan sponsors and participants.

Nathan Stoker is a CFP® professional affiliated with Cresset Asset Management, LLC, with four years of industry experience. He has previously worked at Created Wealth Advisory and UBS Financial Services, and spent four years at Pepperdine University. Cresset Asset Management manages approximately $78.9 billion in client assets, serving individuals, high-net-worth clients, trusts, estates, retirement plans, corporations, and pooled investment vehicles. The firm employs a disciplined, risk-aware approach combining strategic asset allocation, manager selection, and both active and passive strategies across multiple asset classes, including alternatives and private funds, supported by advanced tools such as artificial intelligence and machine learning.

Sean Haley is a financial advisor at PlanMember Securities Corporation with 27 years of industry experience. He holds a Series 63 designation and has worked at PlanMember since 2015. Outside of his advisory work, he is an author who writes and promotes original works of fiction. 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 to manage diversified risk-based mutual fund portfolios and offers education and support services including seminars and personalized retirement planning.

Kristin Mata is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. Her prior roles include positions at Ignite Planners LLC, Cetera Advisor Networks LLC, and Girard Securities, Inc. She is a 50% owner of a marketing DBA, Integrity Wealth Management, which she uses in her advisory practice. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers a range of brokerage, portfolio management, and financial planning services, utilizing multiple advisory programs and third-party asset managers to tailor investment solutions for its clients.

Casey Hoops is a financial advisor with PlanMember Securities Corporation, holding a Series 66 designation and two years of industry experience. Prior to joining PlanMember, Casey worked in roles at Ram's Gate Winery, Sonoma State University, and Marimar Estate Vineyard and Winery. 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 top-down strategic asset allocation process and manages risk-based mutual fund portfolios ranging from conservative to aggressive.

Terri Bennett is a financial advisor with PlanMember Securities Corporation, holding a Series 63 designation and bringing 42 years of industry experience. Her career includes leadership roles in several entities, including Platinum Insurance Marketing, where she serves as president of an independent marketing organization specializing in structured settlement products. Bennett has also held executive and corporate secretary positions with multiple Medivest-related funds and companies. 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 top-down strategic asset allocation approach and manages unitized, risk-based mutual fund portfolios ranging from conservative to aggressive, offering education and support services such as personalized retirement planning and seminars.

Dorienne Larbig is a financial advisor at Cerity Partners LLC with a Series 65 credential and one year of industry experience. Prior to joining Cerity Partners, she worked for the City of Santa Barbara and UC Santa Barbara. Cerity Partners provides customized wealth management and related services to a broad national client base, including individuals, families, trusts, business entities, charitable organizations, foundations, and institutional investors. The firm offers portfolio management, financial planning, retirement plan consulting, tax planning, insurance placement, and access to alternative and private-market investments, using a tailored approach that combines proprietary quantitative screens with external managers and individual securities.

Henry Whitney is a CFA® charterholder with seven years of industry experience. He has been with PlanMember Securities Corporation since 2019 and also has experience with TBI Financial. Outside of his advisory work, he is involved with the SB Polo & Racquet Club. 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 framework and manages unitized, risk-based mutual-fund portfolios ranging from conservative to aggressive, supported by education and personalized retirement planning services.

Florentino Mitchell is a CFP® and ChFC® with 12 years of experience in financial advising. He has been with Mercer Global Advisors Inc. in Santa Barbara, CA, since 2015. Mercer Global Advisors serves a diverse client base including individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm employs a globally diversified, risk-appropriate investment approach based on Modern Portfolio Theory, utilizing low-cost index vehicles and tax management strategies.