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 Series 66 licensed financial advisor with Merrill in Santa Barbara, CA, where she has been employed since 1999, accumulating 21 years of industry experience. In addition to her advisory role, she serves as a notary, notarizing Merrill documents. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a broad client base including individuals, high-net-worth clients, and institutional investors.

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 with Morgan Stanley in Santa Barbara, CA, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. She has worked at Morgan Stanley Private Bank since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 2000. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools including Global Investment Committee analyses and Monte Carlo simulations.

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.

Christopher Gallo is a financial advisor at UBS Financial Services with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2016. Gallo serves as an advisory board member for the Hope District School, providing financial advice. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary research and model-based asset allocations with institutional trading capabilities.

Sean Ovelmen is a Financial Advisor with Merrill Lynch Wealth Management. He works with engineers, executives, founders, and other professionals whose wealth is tied to company stock, equity compensation, RSUs, stock options, ESPPs, or concentrated stock positions. His role involves helping clients navigate complex decisions related to taxes, diversification, risk management, and long-term financial planning. Sean holds a Bachelor's Degree from the University of Southern California and professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He is committed to honesty, transparency, and putting clients' interests ahead of his own. He evaluates each situation thoroughly and advises accordingly, even declining prospective clients when it is not in their best interest. Outside of his advisory work, Sean volunteers teaching stress-reduction and wellness programs for veterans, college students, and members of the Santa Barbara community. He is involved with organizations such as the Art of Living Foundation, Project Welcome Home Troops, and the SKY Campus Happiness Program. His personal interests include camping, chess, football, golfing, music, rock climbing, running, scuba diving, skiing, and yoga.

Dennis Mcgowan is a financial advisor at Merrill with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 1994, including a concurrent role with Bank of America since 2009. He is based in Santa Barbara, CA. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

David Marshall is a financial advisor with Merrill in Santa Barbara, CA, holding Series 63 and Series 65 credentials and 46 years of industry experience. He has worked at Merrill since 1979 and at Bank of America, N.A. since 2011. Outside of his advisory role, he is a limited partner in RS Gilly Investments, an LLC involved in real estate. Merrill serves a broad range of clients including individuals, retirement plans, corporations, and institutional investors by providing managed account programs, discretionary portfolio management, and brokerage services. The firm emphasizes tax-efficient strategies and benefits from integration with Bank of America’s broader banking and capital markets platform.

Rachel Burkley is a financial advisor with Charles Schwab in Santa Barbara, CA, holding Series 63 and Series 65 credentials and bringing 11 years of industry experience. She has worked at Charles Schwab and Charles Schwab Bank since 2015. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal alternative-investment onboarding process.

Alexander Bianchi is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley in various capacities since 2007, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Based in Santa Barbara, CA, he currently serves clients through Morgan Stanley Wealth Management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm provides tailored financial planning supported by proprietary tools and emphasizes a structured planning process without individual security recommendations in its standalone programs.

Steven Rosso is a financial advisor at Merrill with 10 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2015, previously working at Bank of America, N.A. His practice is based in Santa Barbara, CA. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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 developed by internal and third-party managers.

Marie Rutherford is a financial advisor at Stifel with 19 years of industry experience. She has been with Stifel Nicolaus & Co Inc since 2014. Outside of her advisory role, she is a partner in a family-run partnership that manages a small residential rental property. Stifel serves a broad range of clients, including individuals, institutional clients, and nonprofit organizations, offering brokerage and investment advisory services. The firm’s investment approach incorporates proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Robert Gilson Jr. is a financial advisor with LPL Financial in Santa Barbara, CA, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. His career includes significant tenures at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Merrill. Outside of his advisory work, he is involved in managing several investment-related ventures and long-term planning for multiple family-owned and private commercial entities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, leveraging a large network of investment adviser representatives and advanced operational tools.

David Wilson is a Vice President, Wealth Planner at Fidelity Investments, where he has been serving since 2020. He holds the Certified Financial Planner™ designation and collaborates with clients and their families to develop and implement comprehensive financial plans as part of a continuing relationship. David's professional experience spans several roles in the financial services industry. Prior to his current position, he was a Financial Consultant at Fidelity Investments from 2018 to 2020. His earlier roles include Employee Benefits Coordinator at Demboski & Chapman Financial and Insurance Solutions, Inc. (2015-2018), Preferred Office Manager at First Republic Bank (2010-2014), Branch Manager at Pacific Capital Bancorp (2008-2010), Business Specialist at Wells Fargo (2006-2007), and Client Relationship Officer at Pacific Capital Bancorp (2005-2006). He holds a California Insurance License.

Lisa Daniel is a Wealth Management Advisor with Merrill Lynch Wealth Management. She specializes in family wealth management strategies, personal retirement planning, philanthropic planning, and values-based investing, including socially responsible and ESG investing. Lisa also focuses on supporting women and their wealth management needs. She holds the designations of CERTIFIED FINANCIAL PLANNER (CFP), Chartered SRI Counselor (CSRIC), and Personal Investment Advisor (PIA). Lisa earned an Associate's Degree/College Diploma from Orange Coast College. In addition to her professional work, Lisa is engaged in community service, reflecting the Merrill tradition of local involvement. Her personal interests include cooking, gardening, reading, yoga, and spending time with her family.