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.

Andrea Borgioli is a financial advisor with J.P. Morgan Securities in Santa Barbara, CA, holding Series 63 and Series 65 licenses and having eight years of industry experience. Prior to joining J.P. Morgan Securities and JP Morgan Chase Bank, Borgioli worked at First Republic Securities Company and Wells Fargo Bank. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework. Their Institutional Consulting Services program delivers customized investment manager searches and performance reporting on a non-discretionary basis.

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 at LPL Financial in Santa Barbara, CA, holding a Series 66 designation with 18 years of industry experience. Prior to joining LPL Financial in 2023, he worked at Stifel Nicolaus & Co Inc for nine years. 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 range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

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.

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.

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).