Ismael Mejia is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He previously worked at JP Morgan Securities LLC and JP Morgan Chase Bank. Outside of his advisory role, Mejia is an independent sales representative for Amway, focusing on product distribution. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Kayla Trujillo is a financial advisor with Charles Schwab who holds Series 63 and Series 66 licenses and has 10 years of industry experience. She has been with Charles Schwab since 2015 and Charles Schwab Bank since 2017, both located in Santa Barbara, CA. Charles Schwab & Co., Inc. serves a large client base 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 operates a primarily non-discretionary client relationship model and offers access to discretionary separately managed accounts, supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Daniel Johnston is a Series 66 licensed financial advisor with 11 years of industry experience, currently with OSAIC since 2025. He previously worked for Lincoln Financial Advisors for 11 years. Johnston is also an insurance agent offering accident and health insurance, disability insurance, fixed annuities, long-term care insurance, and traditional life insurance products. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with access to multiple advisory platforms and third-party money managers.

Justin Pearlman is a CFP® professional with 23 years of industry experience. He is currently with Raymond James & Associates and has previously worked at Morgan Stanley Private Bank and Citigroup Global Markets. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, advisory programs, and institutional consulting with a range of portfolio management options.

Josh Macaluso is a Wealth Management Advisor with Merrill Lynch Wealth Management. In his role, he works one-on-one with clients to develop personalized financial strategies aimed at pursuing their long-term goals. He leverages insights from Merrill and banking solutions from Bank of America to create flexible wealth management plans tailored to individual needs. Josh holds a Bachelor's Degree from San Diego State and a Doctorate from Santa Barbara College of Law. He is also designated as a Personal Investment Advisor (PIA). Beyond his professional responsibilities, Josh participates in community volunteer activities, reflecting the Merrill tradition of community involvement.

John Spruill is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he co-leads The Gamberdella - Spruill Group. He has built his career advising military officers and their families, focusing on complex financial and estate planning issues. Since joining Merrill Lynch in 2009, John has held various roles, including Senior Portfolio Advisor and Retirement Benefit Consultant, leveraging his expertise to provide personalized investment strategies and retirement planning guidance to his clients. John holds a Bachelor of Science degree in Meteorology from Florida State University and an MBA in Financial Planning from California Lutheran University. He is a CERTIFIED FINANCIAL PLANNER® certificant and has earned the Certified Plan Fiduciary Advisor® (CPFA®) and Retirement Benefits Consultant (RBC) designations. He is also a member of the Santa Barbara Estate Planning Council and holds multiple FINRA registrations and insurance licenses. Before his financial advisory career, John served five years as a weather officer in the United States Air Force, achieving the rank of Captain. He is an Eagle Scout and actively volunteers with organizations such as the Boy Scouts of America and the Ventura County Rescue Mission. John lives in Oxnard, California, with his wife, Karyn.

Patricia Toner is a CFP® professional with 43 years of experience in financial advising. She has worked at Osaic since 2023 and spent 14 years at Sagepoint Financial, Inc. Additionally, she is active as a real estate sales agent in Montecito, CA. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a broad network of affiliated advisers. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and third-party platforms to manage portfolios across various asset classes.

Darin Mast is a Managing Director and Wealth Management Advisor with Merrill Lynch Wealth Management, currently leading a team headquartered in Santa Barbara, California. He began his career in financial services in 1998 at Merrill Lynch's downtown Houston office and has remained with the company throughout his career. Darin co-founded Vicknair Mast Taylor (VMT) Wealth Management, contributing to the team's recognition on several national rankings including Forbes' #1 ranking for High Net Worth Teams from 2022 to 2025 and Barron's Top 250 Private Wealth Management Teams list during the same period. Individually, he has been named to the Forbes Best-in-State Wealth Advisors list annually from 2018 through 2025. Darin manages personal wealth and financial strategies for a select group of clients, including families, retirees, business owners, and Fortune 500 executives nationwide. His client focus areas include family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, individual and corporate investment strategy, tax minimization, and retirement income. He coordinates wealth management objectives alongside clients' external advisors such as attorneys, tax professionals, and insurance experts. He holds a Bachelor of Arts degree from Rice University, where he was a four-year letterman on the men's tennis team. Darin maintains his interest in tennis and lives in Santa Barbara with his wife and three children. He is affiliated with the organization Friends of Fleming Park. His professional designations include CERTIFIED FINANCIAL PLANNER (CFP), Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA).

Nathaniel Erman is a financial advisor with Morgan Stanley in Santa Barbara, CA, holding a Series 66 license and bringing 10 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2017, and previously spent two years at Bank of America and Merrill. Outside of finance, he is the author of a book on becoming a professional pilot. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and a comprehensive investment approach supported by the Global Investment Committee.

Timothy Jou is a Wealth Management Advisor with Merrill Lynch Wealth Management and a member of the JJD Group, a multigenerational team based in Santa Barbara. He joined the JJD Group in 2018 and provides personalized support to clients, assisting with a broad range of services including college education planning, family wealth management strategies, retirement planning, philanthropic planning, portfolio management, tax minimization, and retirement income. Tim works closely with clients to help them navigate complex financial decisions and build long-lasting relationships that often span multiple generations. Tim holds a Bachelor's degree from the University of California System and has earned several professional designations including Chartered Financial Analyst (CFA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is part of a team that collectively has over 100 years of experience and multiple professional credentials that support comprehensive financial and retirement planning. Outside of his professional role, Tim enjoys cooking, playing various sports such as soccer, volleyball, golf, and running, and spending time with family and friends. He is involved with community organizations including the Foundation of Shared Impact, Impact Circles, OWN Academy, UCSB Investment Advisory Committee (previously held), UCSB Residence Hall Association, and UCSB Volunteer Income Tax Assistance.

Sydney Walker IV is a Certified Financial Planner (CFP®) at Stifel with 27 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2016. Outside of his advisory work, Walker serves as a board member and investment committee member for the St. Francis Foundation and participates on the outreach committee for All Saints by-the-Sea, both organizations based in Santa Barbara, CA. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach is based on proprietary forward-looking capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Julie Smith is a financial advisor at Morgan Stanley in Santa Barbara, CA, holding Series 63 and Series 66 credentials with 19 years of industry experience. She has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutional clients, with a financial planning process that includes firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides a broad range of retail and institutional offerings.

Michelle Marie Burmester is a financial advisor with LPL Financial in Montecito, CA, holding Series 63 and Series 66 licenses and 10 years of industry experience. She previously worked at Morgan Stanley and Morgan Stanley Private Bank from 2014 to 2026. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive technology and a large network of advisors.

Felix Ruiz is a Financial Consultant at Fidelity Investments, a role he has held since 2024. His professional journey at Fidelity Investments includes positions such as Investment Consultant, Financial Representative, Relationship Manager, Onboarding Team Leader, and High Net Worth Representative, reflecting a broad range of experience within the financial services industry. Prior to this, he worked as a Registered Customer Representative at Robinhood and as a Service Center Representative at PlanMember Securities Corporation. Felix's mission is to provide clients with clear and personalized financial guidance, focusing on understanding their unique needs to offer trustworthy advice aimed at achieving financial goals and peace of mind. He holds a California Insurance License, enabling him to provide insurance-related financial services. No additional information on education or personal interests has been provided.

Andrew Christensen is a financial advisor with Charles Schwab in Santa Barbara, CA, holding Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Schwab in 2025, he worked at Pacific Life for two years and was involved with the San Luis Obispo Country Club in 2022. 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, offering a mix of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and alternative investment due diligence.

Matthew Kelly is a financial advisor with Wells Fargo Clearing in Santa Barbara, CA. He holds a Series 63 designation and has 42 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Jarumon Peiffer is a financial advisor at Charles Schwab with five years of industry experience. He holds the Series 66 designation and has worked at Charles Schwab and Charles Schwab Bank since 2022. His prior experience includes roles at Merrill and Robinsoak Management, LLC. Peiffer also spent time with the UN Sustainable Development Solutions Network and New York University. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through Schwab Wealth Advisory’s wrap fee program and affiliated managed-account and financial planning services. The firm offers a mix of non-discretionary and discretionary investment options supported by a multi-asset strategic allocation approach and centralized operational infrastructure.

Amy Ward is a financial advisor at Morgan Stanley Wealth Management with 29 years of industry experience. She has held positions at Morgan Stanley since 2018 and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of her advisory work, she is involved in selling health and wellness products with Le-Vel as an independent contractor. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques as part of its financial planning process.

William Yingst is a financial advisor with Morgan Stanley in Santa Barbara, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Harry Gladstone is a Financial Consultant currently working at Fidelity Investments since 2022. He has held various roles within Fidelity Investments, including Investment Consultant in 2021-2022 and Financial Representative in 2021. Prior to that, he worked as a Senior Advisor Service Representative at Pershing BNY Mellon Desk for PlanMember Financial from 2020 to 2021, and as a Client Service and Operations Specialist at Miltonian Capital Management in 2019. Harry partners with clients to help them navigate the financial world and collaborates with them to create specialized financial plans tailored to their goals. He holds a California Insurance License. Outside of his professional work, Harry's personal interests include comedy, fitness, golf, music, reading, and volunteering.