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.

Danielle Mulroy is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds a Series 66 designation and has worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. since 2024. Prior to entering the financial sector, she was employed at AppFolio and Curvature in various roles. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Jacob Hoth is a financial advisor at Morgan Stanley in Santa Barbara, CA, holding a Series 66 credential with one year of industry experience. His prior work includes roles at Transamerica Financial Advisors and WFGIA, as well as involvement with sales of insurance products affiliated with Transamerica. Before entering financial services, he held positions at Las Posas Country Club and Oxnard Union High School District. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs supported by firm-approved tools and methodologies, including the use of Monte Carlo simulations and Global Investment Committee forecasts.

Gil'bere Coutouzis is a financial advisor at Edward Jones with two years of industry experience. He holds the Series 66 designation and has previously worked in various public sector roles, including positions with the Housing Authority and County of Santa Barbara. Outside of finance, he works as a videographer for live university-level sporting events through Dream Cast Media. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment solutions. The firm manages over $1 trillion in assets and operates a large nationwide network of advisors and branch offices.

Sujatha Ravikumar is a financial advisor with Merrill and holds a Series 66 designation. She has 20 years of industry experience, including roles at Bank of America and J.P. Morgan Securities. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services primarily through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with a range of model-based and discretionary investment strategies.

Lashawn Hayes is a financial advisor with Morgan Stanley in Montecito, CA, holding a Series 66 designation and 13 years of industry experience. Prior to joining Morgan Stanley in 2017, he worked at Merrill from 2015 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers comprehensive financial planning and investment advisory services, managing approximately $2.74 trillion in client assets.

Brett Zylstra is a financial advisor with Morgan Stanley in Montecito, CA, holding a Series 66 designation and three years of industry experience. He previously worked at One Workplace, LLC for ten years before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets and offering a range of investment and planning services.

Mitchell Direnzi is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo since 2019, following a five-year tenure at Morgan Stanley. 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 advice. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Julia Watts is a financial advisor at Fidelity with one year of industry experience. She holds a Series 66 designation and previously worked at Planmember Securities Corporation. Outside of finance, she has worked part-time as a sales associate at Margerum Wine Company. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios across a broad range of investment products.

Karla Lynn is a financial advisor at Morgan Stanley with 11 years of industry experience. She holds a Series 66 designation and previously worked at First Republic Securities Company and First Republic Investment Management. Morgan Stanley Wealth Management delivers a variety of advisory programs to individuals and institutional clients, providing tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Michelle Quinn is a financial advisor at Fidelity with 16 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Charles Schwab and Scottrade, Inc. Quinn is based in Santa Barbara, California. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm utilizes a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

Lynne Ming is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo entities since 2016. 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Mark Golden is a financial advisor with Wells Fargo Clearing in Santa Barbara, CA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with Wells Fargo Clearing since 2016, following three years at WELLS FARGO Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering a range of investment recommendations and performance reporting grounded in an IPS-driven process based on modern portfolio theory. The firm serves plan sponsors with tailored advisory services and discretionary options, including a broader set of financial products such as insurance-related vehicles and bank deposit sweep options.

Mark Brenner is a financial advisor with UBS Financial Services who holds Series 63 and Series 65 licenses and has 40 years of industry experience. He joined UBS in 2021 after spending 12 years at Merrill. UBS Financial Services Inc. serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings to tailor solutions based on proprietary research and model-based asset allocations.

Joanne Gordon is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She worked at UBS Financial Services for 24 years before joining Wells Fargo in 2020. Gordon serves as treasurer for the Santa Barbara Yacht Club Women's Foundation, which provides scholarships to underprivileged children. Wells Fargo Clearing offers retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, providing both discretionary and non-discretionary services. Their IPS-driven advisory process incorporates modern portfolio theory and a broader range of financial products, including insurance-related vehicles and bank deposit sweep options.

Donna Weidl is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she has worked since January 2009. She serves as a lead relationship manager, assisting clients by managing both sides of their balance sheets and focusing on insurance, annuities, long-term care planning strategies, and explaining the roles of Social Security and Medicare in retirement. Donna works with a variety of client focus areas including personal retirement planning, legacy planning, philanthropy, education planning, socially responsible investing, and transition planning related to divorce. Donna holds a bachelor's degree in Global Business from California State University Channel Islands and a high school diploma from San Marcos High School. She has earned multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Chartered Financial Consultant (ChFC), Certified Divorce Financial Analyst (CDFA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of her professional role, Donna resides in Santa Barbara and participates in community organizations such as Old Spanish Days and the Scholarship Foundation of Santa Barbara. Her personal interests include boating, cooking, fishing, golfing, hiking, photography, skiing, spending time with family, traveling, and practicing yoga.

Albert Williams is a financial advisor with Wells Fargo Clearing in Santa Barbara, CA, holding a Series 66 designation and 18 years of industry experience. He previously worked at UBS Financial Services for 10 years before joining Wells Fargo Clearing in 2020. 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 investment options that include insurance-related vehicles and bank deposit sweep programs.