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.

Lisa Schomer is a CFP® designated financial advisor with LPL Financial, based in Santa Barbara, CA, and has 33 years of industry experience. She has been with LPL Financial since 2009. Outside of her advisory role, Schomer writes about her experiences as a single parent and is involved in publishing through her own company, South Haven Press. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a wide range of advisory programs and financial planning services, utilizing model portfolios and research from internal and third-party sources.

William Walters is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in providing financial advisory services to clients, leveraging his expertise to support their wealth management needs. He holds a Bachelor's Degree from the University of Virginia. Further details about his professional experience, areas of expertise, personal interests, or community involvement have not been provided.

David Hellewell is a financial advisor with Charles Schwab in Santa Barbara, CA, holding Series 63 and Series 66 designations and 22 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2009. 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 a combination of non-discretionary and discretionary investment options supported by centralized custody and operational structures.

Robert Kriz is a financial advisor at Cetera with one year of industry experience. He holds the Series 66 designation and has been involved in financial services through roles at Cetera and Santa Barbara Coastal Advisors. Outside of advising, he has worked in operations and administrative capacities. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts nationwide. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Matthew Rowe is a financial advisor with Raymond James & Associates in Santa Barbara, CA, holding Series 63 and Series 65 licenses and having 25 years of industry experience. He previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney, serving in advisory roles for a combined nine years before joining Raymond James in 2020. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

John Somerville is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He previously worked at D.A. Davidson & Co. from 2013 to 2024 before joining LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of advisory programs and financial planning services, utilizing model portfolios, third-party subadvisors, and advanced technologies such as machine learning.

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 at Morgan Stanley with 27 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Prior to that, he was employed at Citigroup Global Markets. Outside of advising, he is a sole proprietor of a rental property business in Santa Barbara, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment models as part of its advisory services.

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.