Joshua Coffey is a financial advisor with Eagle Strategies (New York Life) based in Santa Maria, CA, holding Series 63 and Series 66 credentials and five years of industry experience. He operates under the DBA Fulcrum Wealth and Insurance Solutions, LLC, where he sells New York Life products and brokers non-registered insurance products. Eagle Strategies serves a diverse client base including individual investors and institutional clients, offering financial planning, investment management, and retirement-plan advisory services through a broad network of affiliated representatives. The firm delivers tailored advisory solutions across multiple program types and manages a substantial asset base primarily on a non-discretionary basis.

Randall Giorgi is a CFP® with 41 years of industry experience, currently affiliated with Eagle Strategies (NY Life) in Santa Maria, CA. His career includes roles at New York Life and Nylife Securities Inc., where he has been active since the mid-1980s, as well as ownership of Central Coast Visionary Insurance & Financial Services LLC. He also brokers non-registered insurance products through various outside carriers. Eagle Strategies serves a diverse client base including individual investors and institutional plans, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored advice and offers multiple program types within an integrated New York Life affiliate structure.

Collie Coburn Jr. is a financial advisor with Eagle Strategies (NY Life) based in Santa Maria, CA. He holds the Series 63 and Series 66 designations and has eight years of industry experience. Coburn is also the owner of Fulcrum Wealth and Insurance Solutions, LLC, through which he brokers non-registered insurance products. Eagle Strategies serves a broad mix of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and delivers advice through multiple program types, with the majority of assets managed on a non-discretionary basis.

Eric Bravo is a CFP® professional with 18 years of industry experience, currently serving as a financial advisor at Edward Jones since 2007. He is based in Santa Maria, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large nationwide network of advisors and branch offices.

Cindy Kelley is a financial advisor with Ameriprise in Santa Maria, CA, holding a Series 63 designation and 31 years of industry experience. She has been with Ameriprise and its related entities since 2005. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service for clients nearing or in retirement, providing tailored written recommendations and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Juan Forcado is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. His career includes roles at CoastHills and Target Corp., as well as managing Aladdin Bail Bonds. He is also commissioned as a notary public. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide, offering a range of advisory programs and financial planning services supported by research and model portfolios.

Colton Dahlenburg is a financial advisor with LPL Financial, holding a Series 66 designation and six years of industry experience. His prior work includes roles at The AdvisoryOne Group, Tesla, SSD Alarm, and California State University - Long Beach. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by research and model portfolios.

Brett Krausse is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo Clearing and Wells Fargo Advisors. Krausse is also the owner of Brett Krausse Publishing, a publishing business based in Santa Maria, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and investment research.

Megan Duarte is a Series 66 credentialed advisor at Ameriprise with eight years of industry experience. She has been with Ameriprise and its affiliated entities since 2011. Duarte serves on the boards of several community organizations, including Be Strong Your Loved, Tolosa Children's Dental Center, and Revival Tabernacle, where she holds various officer roles. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service that provides written recommendation reports and ongoing advice focused on income reliability and tax-aware withdrawal strategies.

Jessica Yates is a financial advisor at Primerica Advisors with 10 years of industry experience. She holds the Series 63 and Series 65 designations. Her prior work includes roles with PG&E, San Luis Obispo County District Attorney, and San Luis Obispo County Sheriff’s Office. In addition to advisory work, she is involved in the sale of loan products and home security service referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies managed by third-party asset managers and operates at scale with approximately $15.5 billion in assets under management.

Ronald Vyse is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021. Prior to that, he was with Wells Fargo Clearing and Wells Fargo Advisors. He serves as a board member of the Exit Planning Institute’s San Francisco Bay Area Chapter, focusing on networking within the business owner community. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through Corporate Financial Planning agreements.

Robert Rich is a CFP®-certified financial advisor with Edward Jones in Orcutt, CA, and has 11 years of industry experience. He has been with Edward Jones since 2014. Outside of his advisory role, he is a member of a band called Carry the 9, which sells merchandise online and at shows. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients and managing approximately $1.01 trillion in assets. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Terry Dworaczyk is a financial advisor with Ameriprise in Santa Maria, CA, holding Series 63 and Series 66 licenses and having 26 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory work, he serves on the boards of Revival Tabernacle and the Marian Foundation. Ameriprise offers retirement-income planning services targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency strategies to provide non-discretionary, written recommendations. The firm also provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Michael Favorite is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and bringing 42 years of industry experience. He previously worked at Cantella & Co., Inc. for over a decade before joining Cambridge in 2022. Outside of advising, he is president and owner of a business entity, Favorite Enterprises, and also works as an agent in insurance and benefits. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individual investors, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services delivered through independent financial professionals using both proprietary and third-party strategies, with multiple platform and custody options tailored to client objectives.

Jennifer Murray is a financial advisor with Morgan Stanley who holds a Series 66 designation and has 23 years of industry experience. She has worked with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Murray serves on the investment committee of the Santa Barbara Foundation and holds board positions with the Santa Maria Valley YMCA Foundation and CALM – Child Abuse Listening Mediation. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm emphasizes a structured financial planning process using proprietary tools and offers a broad range of investment and planning solutions.

Ryan Olson is a CFP®-certified financial advisor with 21 years of industry experience, currently with LPL Financial in Orcutt, CA. He worked at Crew Wealth Management from 2010 to 2018 and has been with LPL Financial since 2005. Outside of his advisory role, Olson is associated with Ryse Wealth Management LLC, a business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad clientele including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.

Bruce Attig is a financial advisor with Morgan Stanley in Santa Maria, CA, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, Attig is a partner in agricultural ventures, including Attig AG LLC and Hidden Highlands Cattle Co LLC, and serves as a board member on the finance committee of Riviera United Methodist Church. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by firm-approved tools and processes. The firm manages approximately $2.74 trillion in client assets and provides financial planning through a structured discovery process without offering individual security recommendations as part of standalone plans.

Hari Iyer is a financial advisor at Morgan Stanley with 29 years of industry experience. He has been with Morgan Stanley since 2009 and concurrently maintains a long-term role at Pacific Gas & Electric since 1984. Hari holds Series 63 and Series 65 certifications. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning and utilizes structured tools and modeling techniques to support client planning.

Clifford Cook is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Smith Barney since 2010, and the Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

Ryan Dewane is a financial advisor with Raymond James Financial in Los Alamos, California, holding a Series 66 designation and two years of industry experience. He has been associated with Raymond James Financial and its affiliated firms since 2023. Dewane is also involved with Dewane Investment Strategies as a financial adviser. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools, and supports municipal and public-finance work through a unique municipal advisor affiliation.