Karen Waite is a financial advisor at PlanMember Securities Corporation with 27 years of industry experience. She holds Series 63 and Series 65 designations. Her prior roles include positions with Arbonne Corporation and the Solvang City Council, where she served multiple terms. 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 in managing risk-based mutual fund portfolios and offers education and support services to plan sponsors and participants.

Toby Spach is a Series 66 licensed advisor at PlanMember Securities Corporation with two years of industry experience. His previous roles include positions at Carp Physio, the University of Southern California, InstaCart, Santa Barbara City College, and Carpinteria High School. 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 unitized, risk-based mutual fund portfolios and offers education and support services such as personalized retirement planning and seminars.

Alissa Rennacker is a CERTIFIED FINANCIAL PLANNER™ practitioner with seven years of industry experience. She joined Cerity Partners LLC in 2025 after eight 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 individuals, families, trusts, business entities, and institutional investors. The firm employs tailored asset allocation, manager selection, and proprietary quantitative screening to construct client portfolios, and it offers access to alternative and private-market investments alongside traditional portfolio management and financial planning services.

Bryan Powers is a CFP® and holds a Series 65 license, with 17 years of experience in the financial advisory industry. He has been with Mercer Global Advisors Inc. since 2015, currently based in Santa Barbara, CA. Mercer Global Advisors provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm employs a Modern Portfolio Theory-based investment approach focused on globally diversified, risk-appropriate portfolios with multi-factor tilts, utilizing a range of implementation options and supporting services such as financial planning, retirement consulting, tax planning, and estate coordination.

Troy Tremblay is a financial advisor with Centaurus Financial, Inc. in Westlake Village, CA, holding a Series 66 designation and 23 years of industry experience. He has been with Centaurus Financial since 2003, operating under the branding 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, utilizing a mix of fundamental and technical analysis across discretionary and non-discretionary arrangements.

Steven Weintraub is a CFP® professional with 28 years of industry experience. He is currently with Cerity Partners LLC, having joined in 2025 following a 33-year tenure at West Coast Financial, LLC. He serves as a member and general partner of West Coast Financial, LLC, which manages several private real estate funds outside of Cerity Partners. 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 customized portfolios focused on diversified asset allocation and provides a broad range of services including investment management, financial planning, and access to alternative and private-market investments.

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.

Heather Rupp is a CFA® credentialed advisor with five years of industry experience, currently with PlanMember Securities Corporation. She has held prior roles at B. Riley Capital Management, The Alliance Group, Phase Capital, and Peritus I Asset Management. Rupp also serves as an adjunct professor of Investments and Portfolio Management at Westmont College. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary and offering participant-level investment options. The firm uses a top-down strategic asset allocation approach with risk-based mutual fund portfolios, along with education and support services for plan sponsors and participants.

Brian Holland is a financial advisor with PlanMember Securities Corporation in Carpinteria, CA, holding Series 65 and Series 63 licenses and 11 years of industry experience. He has previously worked at National Pension & Group Consultants, Inc. and maintains roles with Fidelity Security Life Insurance Company and Forrest T. Jones & Co., including work in insurance sales and retirement services. Holland also operates as a self-employed insurance agent. 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’s investment approach involves strategic asset allocation and management of unitized, risk-based mutual fund portfolios, supported by educational and support services for plan sponsors and participants.

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.

Jeffrey Davis is a financial advisor at Raymond James & Associates with 41 years of industry experience. He holds a Series 63 designation and has worked in the financial services sector since at least 2012, including roles at UBS Financial Services and Raymond James. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, charitable organizations, and public entities, offering financial planning and non-discretionary investment consulting supported by a broad range of portfolio management styles and affiliated research.

Ben Tucker is a financial advisor with UBS Financial Services in Santa Barbara, CA, holding a Series 66 designation and 19 years of industry experience. He has been with UBS since 2015. Outside of his advisory work, Tucker serves on the Board of Directors of the MIT Enterprise Forum, Central Coast, an organization focused on education and event planning. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and provides proprietary research and data-analytics to support client strategies.

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.

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.

Shannon Peace is a financial advisor at Charles Schwab with 16 years of industry experience. She holds Series 63, Series 65, and Series 66 credentials. Her prior roles include positions at Breakaway Capital Management, LLC and Broad Reach Capital Management, Inc. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 offers both non-discretionary and discretionary investment guidance, combining multi-asset model portfolios with research-based advice and a formal alternative investment program.

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.