John Somerville is a financial advisor at LPL Financial with Series 63 and Series 65 credentials and 43 years of industry experience. He has previously worked at D.A. Davidson & Co., Crowell, Weedon & Co., and Morgan Stanley in various capacities over a span of more than 15 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, wrap and model portfolio programs, third-party asset management, retirement advice, and institutional platforms, supporting a wide range of investment strategies through a large network of advisors.

Misael Marcial Palomares is a financial advisor at UBS Financial Services with two years of industry experience. He holds a Series 66 designation and has been with UBS since 2022. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor investment strategies.

Christian Vasquez is a Planning Consultant at Fidelity Investments, where he works with clients to understand their financial situations, goals, and priorities. He assists clients through the financial planning process to organize information, evaluate potential outcomes, and clarify their long-term objectives. Christian has professional experience that includes roles as a Relationship Manager at Fidelity Investments from 2025 to 2026 and as a Financial Associate at California Wealth Advisors from 2021 to 2025. He holds a California Insurance License. Outside of his professional work, Christian has interests in food, football, pets, and traveling.

Steven Sklover is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 43 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Jeffrey Forster is a financial advisor with Morgan Stanley in Santa Barbara, California. He holds Series 63 and Series 65 licenses and has 27 years of industry experience, including previous roles at Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services supported by structured planning tools and proprietary investment research.

Jacqueline Barrios is a financial advisor with Wells Fargo Clearing in Santa Barbara, CA. She holds a Series 66 designation and has six years of industry experience. Prior to joining Wells Fargo Advisors in 2017, she spent one year as a homemaker. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, 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.

Patrick Flood is a financial advisor at UBS Financial Services with 32 years of industry experience. He has worked at UBS since 2014. Outside of his advisory role, he is involved in managing vacation rental properties through an LLC he co-manages with his wife. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm utilizes proprietary research and model-based asset allocations to tailor financial plans to clients' goals and risk tolerances.

Anthony Rossi-Berg is the Vice President, Financial Consultant at Fidelity Investments, a role he has held since 2023. He has been with Fidelity Investments since 2014, progressing through various positions including Financial Consultant, Investment Consultant, and Workplace Planning and Guidance Consultant. His professional experience spans nearly a decade in financial planning and consulting. Anthony holds a California Insurance License, which supports his work in the financial services industry. He focuses on helping clients simplify the complexities of financial planning. Outside of his professional life, Anthony enjoys cooking and baking, golf, reading, and surfing.

Brian Yorty is a CFP® professional with 21 years of industry experience, currently serving at J.P. Morgan Securities. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Vito Gioiello is a CFA® charterholder with 20 years of industry experience, currently serving at J.P. Morgan Securities. His prior roles include positions at First Republic Investment Management, First Republic Securities Company, and First Republic Bank. Outside of his advisory work, he serves on the advisory board and as treasurer for Catholic Charities of Santa Barbara, is a board member of Peoples' Self-Help Housing, and a trustee for the Santa Barbara Historical Museum. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting, with recommendations delivered on a non-discretionary basis.

Fernando Gonzalez Sanchez is a financial advisor with Merrill based in Goleta, CA. He holds a Series 66 designation and has been with Merrill since 2018. Prior to his current role, he worked at Bank of America, N.A., Phoenix Retail, and Sears Holdings Company among other positions. Merrill and its affiliate Managed Account Advisors LLC provide managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Andrea Borgioli is a financial advisor with J.P. Morgan Securities in Santa Barbara, CA, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. Prior to joining J.P. Morgan Securities in 2023, Andrea worked at First Republic Securities Company and Wells Fargo Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm uses quantitative asset-allocation modeling combined with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Jason Toland is a financial advisor with Morgan Stanley in Santa Barbara, CA, holding a Series 66 designation and 19 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and has been with Morgan Stanley Private Bank, National Association since 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by the Global Investment Committee’s tools and modeling techniques.

Tyler Powell is a financial advisor with LPL Financial in Santa Barbara, CA, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at Stifel Nicolaus & Co Inc, Wells Fargo Clearing, and A. G. Edwards & Sons, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Hunter Sears is a financial advisor at Edward Jones with Series 63 and Series 66 designations and four years of industry experience. Prior to joining Edward Jones in 2023, he worked at NYlife Securities LLC and New York Life Insurance Company from 2021 to 2023. His background also includes roles at Abercrombie and Fitch, Nike, Sinclair Broadcasting Corporation, and the University of Washington. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of discretionary and non-discretionary investment strategies, alongside affiliated mutual funds and tax-efficient services.

Clayton Gibson is a Wealth Management Advisor based in the Santa Barbara office of Merrill Lynch Wealth Management. Since joining the firm in 1998, he has focused on asset strategy and liability management, working closely with clients to create customized financial strategies. He also provides access to Bank of America Private Bank trust and estate planning services and real estate financing through Bank of America. Clayton's areas of expertise include college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. He actively participates in estate-related matters by serving as a direct point-of-contact with clients' attorneys. Additionally, he tracks market conditions to keep clients and his team informed. He holds a bachelor's degree in business finance from Oregon State University and the Certified Investment Management Analyst (CIMA) designation. Clayton is also a member of the Investments & Wealth Institute® (The Institute). Outside of his professional work, he spends time volunteering with organizations in the community and enjoys biking, boating, and scuba diving.

Christian Orth is a Series 66 licensed financial advisor with eight years of industry experience. He has worked at J.P. Morgan Securities LLC and J.P. Morgan Chase Bank since 2020, and previously held a position at Edward Jones from 2016 to 2019. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Kathleen Symer is a CFP® credentialed financial advisor with 12 years of industry experience, currently with Osaic Wealth, Inc. since 2013. She holds CPA and CFP® designations and operates a separate business offering life and long-term care insurance sales as well as tax preparation and planning services for individuals and various entities. Symer also serves as Financial Secretary for the El Camino Elementary School PTA in Santa Barbara. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm provides integrated brokerage and advisory services with access to multiple investment platforms and third-party managers, utilizing firm-provided asset allocation tools and automated portfolio rebalancing.

Jeffrey Brown is a CFP® with 21 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2010 to 2016 and has been affiliated with Wells Fargo Bank NA since 2001. Outside of his advisory role, he owns a small business that rents reusable moving boxes in the Central Coast area. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement plan consulting services 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.

Ronald Chen is a CFP® professional with 37 years of industry experience. He is currently with OSAIC, where he has worked since 2023, and previously spent 28 years at Royal Alliance Associates, Inc., followed by six years at Pacific Diagnostic Laboratory. Outside of his advisory role, he has engaged in selling life and health insurance incidental to financial planning. OSAIC serves a diverse range of retail and institutional clients through a broad network of affiliated financial advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs various asset-allocation tools and supports multiple investment platforms to construct portfolios tailored to client needs.