Joshua Kane is a ChFC® and holds a Series 66 license with Edward Jones, where he has worked since 2009, totaling 16 years of industry experience. He is based in Santa Barbara, CA. Outside of his advisory role, Kane serves as president of the Kiwanis Club of Santa Barbara, where he organizes meetings to oversee the club’s budget and investments. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients across various segments. The firm manages approximately $1.01 trillion in assets with a nationwide network of more than 23,700 financial advisors, offering a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Ryan Mcclellan is a financial advisor with UBS Financial Services in Los Angeles, CA, holding Series 63 and Series 66 licenses and having 25 years of industry experience. He has been with UBS since 2008. He is a member of the investment committee for the Santa Monica-Malibu Education Foundation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, utilizing proprietary capital market assumptions and research to customize portfolios. The firm combines institutional trading capabilities with wealth management, operating as a broker-dealer, investment adviser, and futures commission merchant.

Garry Evans is a financial advisor with LPL Financial in Santa Barbara, California, holding a Series 63 designation and 43 years of industry experience. He has been with LPL Financial since 1999. Outside of his advisory role, he is involved with GSE Capital Management, a business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary portfolio management, supported by research and model portfolios.

Steven Symer is a CFP®-certified financial advisor with 12 years of industry experience, currently affiliated with Osaic since 2023. He has prior experience at Balanced Wealth Planning, Inc. and Royal Alliance Associates, Inc. In addition to advisory services, he prepares tax returns and provides tax planning for individuals, trusts, and various business entities through his CPA/CFP(R) role at Balanced Wealth Planning, Inc. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services, portfolio management, and access to third-party managers, utilizing asset-allocation tools and risk assessments to construct portfolios across a range of asset classes.

Scott Riesen is a CFP®-certified financial advisor with 21 years of industry experience. He is currently with Charles Schwab in Santa Barbara, CA, where he has worked since 2018, following a decade at TD Ameritrade and concurrent self-employment 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 program, offering both non-discretionary and discretionary investment solutions combined with brokerage and custody services.

James Landeros serves as a Resident Director at Merrill, where he specializes in wealth management strategies tailored to significant financial milestones such as career changes, liquidity events, and equity compensation scenarios. His approach emphasizes aligning timelines, executing tax-aware investment strategies, and comprehensive estate planning to support long-term financial freedom and flexibility. He holds a Personal Investment Advisor (PIA) designation and earned a degree in Organizational Communication from SBCC. Fluent in English and Spanish, James is actively involved in professional and community organizations, including serving as an Executive Committee Member for TEDx of Santa Barbara and participating in the Santa Barbara Young Professional Club and United Way's Young Leadership Society. His community involvement extends to supporting initiatives like TEDx and Transition House.

James Hallman is a financial advisor at Morgan Stanley with 34 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2017 and previously worked at Merrill for 26 years. Outside of his advisory role, he owns and manages a personal airplane through a holding LLC and is involved in maintaining a family farm LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm’s approach involves structured discovery processes and approved planning tools, with services supported by the expertise of its Global Investment Committee.

Eric Schenker is a financial advisor at Cetera with 17 years of industry experience. He holds the PFS™ and Series 63 designations and also operates as a CPA, running his own accounting and tax preparation practice since 1989. Outside of advisory work, he manages a rental property in Santa Barbara. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supporting advisors with a range of program options and access to third-party money managers.

Monica Williams is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in Santa Barbara. With 26 years of experience in the financial services industry, she specializes in wealth management, legacy planning, and family-oriented advisory relationships. Prior to her current role, Monica spent several decades at Morgan Stanley in Newport Beach, where she developed long-term client relationships centered on trust, care, and results. Her professional expertise focuses on multi-generational wealth planning, legacy strategies, and investment management. Monica works closely with families to navigate complex financial decisions, often advising multiple generations. Her practice reflects this family-centered approach, with her son also serving as a Financial Advisor on her Merrill Lynch Wealth Management team. Monica holds a Bachelor's Degree from Mills College and is a Personal Investment Advisor (PIA). She is fluent in English and Spanish. In addition to her professional work, Monica has been involved in community and cultural activities, including several years as a board member of the Santa Barbara Opera. She has interests in music, opera, theater, equestrian activities, polo, bridge, golf, hot yoga, and travel. Monica values time spent with her husband and children.

Moises Arevalo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing nine years of industry experience. He has worked with Wells Fargo Bank, NA since 2013 and Wells Fargo Clearing since 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Ward Rafferty Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 34 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. Outside of his advisory role, he also works as a Lyft driver in San Francisco on a limited basis. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and providing a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Emma Bridges is a financial advisor with Morgan Stanley in Santa Barbara, CA, holding Series 63 and Series 65 licenses and has 28 years of industry experience. She has been with Morgan Stanley since 2009 and worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and corporate financial planning agreements.

Christopher Morency is a financial advisor with UBS Financial Services in Santa Barbara, CA. He holds a Series 63 designation and has 31 years of industry experience, including 15 years at UBS. UBS Financial Services serves individual, corporate, and institutional clients with a combination of brokerage and investment advisory services. The firm utilizes proprietary capital market assumptions and research from its Chief Investment Office and UBS Global Research to tailor investment plans and offers a range of services including fee-based financial planning, portfolio management, and capital markets activities.

Richard Marcellin is a Series 66 licensed financial advisor with Merrill in Santa Barbara, CA, and has 26 years of industry experience. He has been with Merrill Lynch Pierce Fenner & Smith Inc. since 2000 and also works with Bank of America, N.A. His outside business activities include managing a sole proprietorship involved in the collection and sale of vintage music artist merchandise. 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 institutions.

Noemi Roberts currently serves as a Branch Leader at Fidelity Investments, a role she has held since 2026. In this position, she supports a team of Financial Consultants who work with clients on their financial planning needs. Her career in financial services spans several roles at Fidelity Investments, including Team Leader for Central Relationship Managers from 2025 to 2026, Regional Support Lead from 2023 to 2025, and Central Relationship Manager from 2021 to 2023. Prior to that, she gained experience as a Client Relationship Specialist at Charles Schwab from 2019 to 2021 and held various representative roles at Fidelity Investments dating back to 2015. This progression through multiple positions reflects a depth of experience in client relationship management and team leadership within the financial services industry.

William Toner Jr. is a financial advisor with Osaic Wealth, Inc. in Montecito, CA, holding a Series 66 designation and 14 years of industry experience. He has worked at Osaic since 2023 and previously held positions at Sagepoint Financial, Inc. and Plains Coastal, LLC. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients, offering brokerage and advisory services through a large network of financial advisers and multiple platforms. The firm employs various asset-allocation tools and third-party solutions to manage portfolios that include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Ethan Shultz is a financial advisor at Morgan Stanley in Montecito, CA, holding a Series 66 designation with four years of industry experience. His prior roles include positions at Merrill and Redfin, as well as experience outside finance at Santa Barbara Auto Group and Northern Arizona University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes utilizing firm-approved tools and market outlook models.

Harrison Croff is a Series 66-licensed financial advisor with 12 years of industry experience, currently with UBS Financial Services in Santa Barbara, CA, where he has worked since 2015. Outside of his advisory role, he is a partner in a business providing support for wine brokerage companies and serves as an officer of The Gretler Foundation, a charitable organization. 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 employs proprietary research and model-based asset allocations to tailor investment plans aligned with clients’ goals and risk tolerances.

Carol Marks is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 25 years of industry experience. She previously worked at Morgan Stanley Smith Barney for seven years before joining Wells Fargo Clearing in 2017. Outside of her advisory role, she performs administrative duties for her husband's construction business. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Hiten Iyer is a financial advisor with Morgan Stanley in Santa Barbara, CA, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. He has been with Morgan Stanley Smith Barney since 2010 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.