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.

Frederick Przekop is a CFA® charterholder with 22 years of industry experience, currently serving as a financial advisor at Morgan Stanley. His prior roles include positions at First Republic Investment Management and First Republic Securities Company. He also acts as a trustee for a client account. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients, with a financial planning process supported by firm-approved tools and extensive asset management.

Peter Blackford is a financial advisor at Edward Jones in Santa Barbara, CA, holding a Series 66 designation. He began his career in financial services in 2026 and has prior experience at firms including Trilogy Care, Setch Group, IOOF Ltd, Deloitte, QED Risk Services, RACQ, and the Australian Taxation Office. Edward Jones is a full-service wealth management firm that serves individual and institutional clients, offering a range of advisory programs and investment solutions. The firm manages over $1 trillion in assets and is noted for its extensive network of financial advisors and branch offices.

Robert Blunt Sr. is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Charles Schwab since 2003, with roles spanning Charles Schwab Premier Bank 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 with a multi-asset model portfolio approach supported by centralized operational and custody services.

Gerardo Barajas Jr. is a financial advisor with Wells Fargo Clearing in Santa Barbara, CA, holding Series 63 and Series 65 credentials and 12 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2014 to 2016. Outside of finance, he has been involved with the Oceana Hotel Santa Barbara for over a decade and serves as a power of attorney for his parents. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research-driven strategies with both brokerage and advisory solutions while managing approximately $671 billion in assets through a team of more than 14,000 advisors.

Molly Catalano is a financial advisor with Merrill in Santa Barbara, CA, holding a Series 66 credential and bringing 10 years of industry experience. Her career includes roles at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2017 and United Brokerage Services, Inc. in 2016–2017. Outside of advising, she works as a notary in Encino, 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. The firm offers model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, and institutions.

William Krebs is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His career includes tenures at Cetera Wealth Services and ownership of several advisory and insurance-related businesses. Outside of finance, he owns and operates a catamaran charter business in Santa Barbara. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management options, including model portfolios, third-party managers, and customized strategies.

Jeffry Pittman is a financial advisor with LPL Financial in Montecito, CA, holding Series 63 and Series 65 licenses and having 36 years of industry experience. Prior to joining LPL Financial in 2012, he worked at Wells Fargo Investments and Wells Fargo Clearing. He also serves as Wealth Management Director and is involved with MB&T Private Asset Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment solutions, employing various portfolio strategies supported by advanced research and operational tools.

Jonathan Pickert is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds the Series 66 designation and has worked at firms including Merrill, Unionbanc Investment Services, MUFG Union Bank, and JP Morgan Chase Bank. He serves as a board member for Hearts Aligned Inc., a charitable organization that provides financial assistance to low-income families with children in pediatric intensive care. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Kyle Opdyke is Vice President and Branch Leader at Fidelity Investments, where he leads a team of financial advisors that partner with families to build and implement financial plans. He has held this role since 2016. Prior to his current position, Kyle served as Assistant Branch Manager at Fidelity Investments from 2013 to 2016 and was a General Management Apprentice at the company from 2011 to 2013. He holds a California Insurance License. Outside of work, Kyle's interests include baseball, the beach, concerts, cooking and baking, golf, and traveling.

Rachael Stiny is a financial advisor at UBS Financial Services with six years of industry experience. She holds a Series 66 designation and has worked at UBS since 2018. Prior to UBS, she was involved with Rightscorp and Progeny Petroleum. Outside of advising, she serves as Corporate Secretary and assists with clerical support at Rightscorp, a company focused on copyright compliance in the entertainment industry. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings. The firm integrates proprietary research and model-based asset allocations to tailor financial plans and provides a broad range of capital markets and wealth management services.

John Pate is a Senior Financial Advisor with Merrill Lynch Wealth Management. With thirty-four years of experience, he focuses on assisting corporate executives and small business owners in retirement and estate planning, drawing on his expertise in liquidity management, personal retirement planning, portfolio management services, sports and entertainment, tax minimization, and retirement income. John graduated from the University of California, Santa Barbara in 1982 with a degree in Business Economics. During his time at UCSB, he was a member of the golf team and earned Academic All-American honors. After beginning his career in the insurance industry, John joined Thomson McKinnon in 1988, which was later acquired by Prudential Securities. He remained with Prudential until 2000, when he transitioned to Merrill. John holds the Personal Investment Advisor (PIA) professional designation. Committed to community involvement, John volunteers with local organizations, reflecting the Merrill tradition of engagement. Outside of work, he enjoys fishing, golfing, reading, and traveling. John has been married for thirty-six years to Susan, a real estate agent with Compass, and they have two children.

Christopher Grossman is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he partners with clients to develop detailed financial plans and efficiently execute strategies to help them achieve their financial goals. He focuses on a range of areas including equity compensation services, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He holds a Bachelor's Degree from Westmont College and has earned professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Christopher takes time to understand what matters to his clients and their families, aiming to create strategies tailored to their priorities. Outside of his professional work, Christopher enjoys basketball, cooking, golfing, music, running, and spending time with his family.

Douglas Birch is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and 20 years of industry experience. He previously worked at Concourse Financial Group Securities Inc and operated under the dba Retirement Security Inc for 16 years. Birch also acts as an insurance agent for fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform with discretionary and non-discretionary program options.

Joanne Farrell is a financial advisor at Merrill with 22 years of industry experience. She holds a Series 66 designation and has been with Merrill since 1999. Outside of advising, she is also a commissioned notary in Santa Barbara, 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Sabrina Kranz is a financial advisor with Morgan Stanley in Santa Barbara, CA, holding Series 63, Series 65, and Series 66 credentials and 20 years of industry experience. She previously worked at UnionBanc Investment Services from 2013 to 2019 before joining Morgan Stanley and Morgan Stanley Private Bank, N.A. in 2019. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and analysis methods. The firm manages approximately $2.74 trillion in client assets and provides services through financial advisors and specialized planning groups.

Debra Galin is a financial advisor at Morgan Stanley with 30 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets from 2000 to 2009. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and firm-approved tools, focusing on advisory services without providing individual security recommendations in standalone plans.

Jim Hamari is a financial advisor with Charles Schwab in Santa Barbara, CA, holding a Series 63 designation and over 34 years of industry experience. He has been with Charles Schwab since 1995 and Charles Schwab Bank since 2005. Outside of his advisory role, he serves as a commission member on the Revenue Enhancement Oversight Commission for the City of San Luis Obispo and is president of the Pale Kai Outrigger club. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios, supported by centralized custody and operational infrastructure.

Sean Manning is a financial advisor with J.P. Morgan Securities, holding a Series 66 credential and 10 years of industry experience. He has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2017, and previously at Bank of America and Merrill from 2015 to 2017. 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 integrates its advisory services with brokerage, distribution, and investment management capabilities as a subsidiary of J.P. Morgan.