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 at Raymond James & Associates with 8 years of industry experience. He holds Series 65 and Series 63 licenses. His prior roles include positions at JP Morgan Chase Bank, J.P. Morgan Securities, First Republic Securities Company, First Republic Investment Management, and Wells Fargo Bank. 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, pension plans, and charitable organizations, offering tailored financial planning and consulting primarily through non-discretionary relationships.

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.

Paige Overton is a financial advisor at Merrill with 32 years of industry experience, including 29 years at her current firm. She holds Series 63 and Series 66 licenses. Outside of advising, she also serves as a notary in Oxnard, California. Merrill, 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

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.

Tucker Larson is a financial advisor with Fidelity in Santa Barbara, CA, holding a Series 66 designation and beginning his advisory career in 2026. Prior to joining Fidelity, he worked at Omega Ophthalmics and has experience with the Annisquam Yacht Club. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a systematic investment process combining proprietary research, quantitative analysis, and algorithmic portfolio construction, and serves in advisory roles for multiple registered investment companies and fund-of-funds.

Christian Orth is a financial advisor with J.P. Morgan Securities in Goleta, CA, holding a Series 66 designation and eight years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2020 and previously worked at Edward Jones from 2016 to 2019. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s non-discretionary advisory program focuses on asset allocation advice, investment manager research, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative analysis.

Kathleen Symer is a CFP® and Series 66 registered financial advisor with 12 years of industry experience, currently practicing at OSAIC since 2013. In addition to her advisory role, she operates an S-Corporation providing life and long-term care insurance sales and tax preparation services for individuals and various entities. She also serves as the Financial Secretary for the El Camino PTA, a local elementary school nonprofit. Osaic Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services such as comprehensive financial planning, managed portfolios, and retirement plan consulting. The firm utilizes model-based asset allocation and portfolio optimization, supporting discretionary and third-party manager strategies across a complex affiliate network.

Jeffrey Brown is a CFP® professional with 22 years of experience in the financial industry. He has worked at Wells Fargo Clearing since 2016 and has been with Wells Fargo Bank NA since 2001. Outside of his advisory role, he owns a small business that rents reusable moving boxes. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm combines research from Wells Fargo Investment Institute and third-party databases to provide diversified investment solutions, offering both brokerage and advisory options through a large network of financial advisors.

Ronald Chen is a CFP® with 37 years of industry experience. He is currently affiliated with OSAIC since 2023 and previously spent 28 years at Royal Alliance Associates, INC. Outside of his advisory work, he sells life and medical/health insurance incidental to financial planning. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services through a multi-advisor platform, utilizing model-based asset allocation and portfolio optimization tools, and supports multiple investment strategies including Unified Managed Accounts and third-party money managers.

Ismael Mejia is a financial advisor with Wells Fargo Clearing in Santa Barbara, CA, holding Series 63 and Series 66 credentials and 13 years of industry experience. His prior work includes roles at JP Morgan Securities LLC and JPMorgan Chase Bank. Outside of his advisory role, he is an independent sales representative for Amway, focusing on product distribution. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm combines brokerage and advisory solutions supported by research and analytics, managing approximately $671 billion in assets with over 14,000 financial advisors.

Kayla Trujillo is a financial advisor at Charles Schwab with 10 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at various Charles Schwab affiliates since 2015, including Charles Schwab Premier Bank, SSB, and Charles Schwab Bank, SSB. 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. The firm offers a combination of non-discretionary and discretionary investment management supported by multi-asset model portfolios and centralized operational resources.

Daniel Johnston is a financial advisor at OSAIC based in Santa Barbara, CA, with 11 years of industry experience. He holds a Series 66 designation and previously worked for Lincoln Financial Advisors for 11 years before joining OSAIC in 2025. In addition to his advisory role, Johnston is licensed as 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 range of retail and institutional clients, providing brokerage and advisory services through a multi-advisor platform. The firm utilizes a model-based investment process emphasizing asset allocation and portfolio optimization, supported by various management strategies and third-party platforms.

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. He has been part of The Gamberdella 013 Spruill Group since 2017 and previously worked with First Command Financial Planning and Smith Barney. John specializes in advising clients on complex financial and estate planning issues as well as custom investment strategies. John began his career following his service as a weather officer in the United States Air Force, holding the rank of Captain upon honorable separation in 1999. He holds a Bachelor of Science degree in Meteorology from Florida State University and an MBA in Financial Planning from California Lutheran University. John is a Certified Financial Planner (CFP4), Certified Plan Fiduciary Advisor (CPFA4), and Retirement Benefits Consultant (RBC). He also holds various FINRA registrations and life insurance and annuity licenses. John is active in his community, contributing to organizations such as the Boy Scouts of America, where he is an Eagle Scout, and the Ventura County Rescue Mission. He resides in Oxnard, California, with his wife, Karyn.

Patricia Toner is a CFP® professional at OSAIC with 43 years of industry experience. She previously worked at Sagepoint Financial, Inc. and Sentra Securities Corporation. Outside of advisory services, she is active as a real estate sales agent with The Montecito Group. OSAIC Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and advisor-managed portfolios. The firm’s investment approach uses model-based asset allocation and portfolio optimization supported by various analytical tools, and it is notable for its scale, affiliate network, and private-equity ownership.

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).