Austin Ziehl is a financial advisor with PlanMember Securities Corporation in Carpinteria, CA. He holds a Series 66 designation and has one year of industry experience. Prior to his current role, he has work experience at California Lutheran University and Bishop Diego 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 employs a top-down strategic asset allocation approach and manages risk-based mutual fund portfolios ranging from conservative to aggressive, while also offering education and support services to plan sponsors and participants.

Jeffrey Minc is a CFP® and Series 65-licensed advisor with Mercer Global Advisors Inc., based in Santa Barbara, CA, with 12 years of industry experience. He has been with Mercer Global Advisors since 2015. Outside of his advisory role, he is a co-owner and partner of Cameron Asset Management LLC, a property management company focused on Airbnb rental operations. 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. The firm’s investment approach is grounded in Modern Portfolio Theory, emphasizing globally diversified, risk-appropriate portfolios implemented through a combination of ETFs, index funds, separate account managers, and other strategies.

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 CFP® and holds a Series 65 license with eight years of industry experience. She currently serves as a financial advisor at Cerity Partners LLC, joining the firm in 2025 after eight years with West Coast Financial, LLC. Based in Santa Barbara, CA, her background includes comprehensive financial advisory roles. Cerity Partners advises a diverse client base including individuals, families, trusts, estates, business entities, and institutional investors, managing approximately $166.2 billion in assets as of December 31, 2025. The firm offers customized wealth management services with an investment approach centered on client-specific Investment Profiles and asset allocation, incorporating proprietary quantitative screening, manager selection, and access to alternative and private market solutions for qualified clients.

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®-certified financial advisor at Cerity Partners LLC with 29 years of industry experience. Prior to joining Cerity Partners in 2025, he spent 33 years at West Coast Financial, LLC, where he also serves as a member and general partner in multiple private real estate funds as an outside business activity. Cerity Partners advises a broad client base including high-net-worth individuals, families, trusts, and institutional investors, offering customized wealth management services that combine proprietary quantitative screening with both third-party and direct security selection.

Kyle Lantow is a CFP® and Series 65-registered financial advisor with Cerity Partners LLC, bringing three years of industry experience. Prior to joining Cerity Partners in 2025, he worked at West Coast Financial, LLC for four years. Outside of finance, he serves as a river rafting guide for Momentum River Expeditions, Inc. Cerity Partners advises a diverse client base including individuals, families, trusts, business entities, and institutional investors, overseeing approximately $166.2 billion in assets. The firm offers customized wealth management services and employs a client-specific investment approach that integrates quantitative screening, manager selection, and access to alternative and private market solutions.

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® charterholder with two years of industry experience, currently affiliated with PlanMember Securities Corporation. She serves as an adjunct professor teaching investments and portfolio management at Westmont College. Prior to her current roles, she held positions at firms including B. Riley Capital Management, Phase Capital, and Peritus I Asset 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 offers education and support through seminars and personalized planning, utilizing a top-down strategic asset allocation approach with risk-based mutual fund portfolios.

Brian Holland is a financial advisor with PlanMember Securities Corporation in Carpinteria, CA, holding Series 65 and Series 63 licenses and having 11 years of industry experience. Prior to joining PlanMember in 2020, he worked at National Pension & Group Consultants, Inc. for four years and has been involved with Fidelity Security Life Insurance Company and Forrest T. Jones & Co., Inc. since 2015. Holland also operates his own insurance sales business. PlanMember 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 employs a top-down strategic asset allocation approach using unitized, risk-based mutual fund portfolios and delivers education and support services including seminars and personalized retirement planning.

William Toner is a CFP® with 40 years of industry experience, currently affiliated with OSAIC. His prior roles include positions at Sagepoint Financial, Pacific Investment Management Company (PIMCO), Allianz Global Investors Managed Accounts, and Merrill Lynch Investment Managers. He has worked in the Montecito, CA area throughout his career. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, providing a range of managed accounts and third-party manager programs.

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.