Thomas Duval Jr. is a financial advisor at Ameriprise with 19 years of industry experience. He holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2007. Ameriprise Financial Services is a large, diversified advisory firm that serves individual and institutional clients. The firm offers a specialized Premier Retirement Income service providing written recommendation reports and annual retirement-income planning focused on dependable income and tax-aware withdrawal strategies.

Norman Robertson is a CFP® with 42 years of industry experience, currently serving as a financial advisor at Morgan Stanley in Montecito, CA. Prior to joining Morgan Stanley in 2017, he worked at Wells Fargo Advisors LLC and Wells Fargo Clearing. Outside of his advisory role, Robertson participates on the investment committee of Standing Together To End Sexual Assault (STESA), a nonprofit organization based in Santa Barbara. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and investment research. The firm manages approximately $2.74 trillion in client assets and offers comprehensive planning services integrated with its extensive retail and institutional capabilities.

Michael Montgomery is a financial advisor with Morgan Stanley in Santa Barbara, CA, holding Series 63 and Series 65 designations and possessing 41 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Wells Fargo Clearing, and Wells Fargo Advisors. Morgan Stanley Wealth Management serves individuals and institutional clients with a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and methodologies, offering both direct and corporate financial planning solutions.

Elizabeth Fahan is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. 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 a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment menu.

Daniel Gaston is a Certified Financial Planner® with over 30 years of experience, currently affiliated with Cetera. He has been associated with Cetera Wealth Services, LLC since 2013 and joined Cetera in 2023. Outside of his advisory role, he is a tax preparer and a fixed insurance agent. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that supports both discretionary and non-discretionary strategies.

Mitchell Kauffman is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. His prior experience includes roles at Stifel Independent Advisors, LLC, and Wells Fargo Advisors Financial Network, LLC. Outside of his advisory work, he serves as an adjunct faculty member teaching economics courses at the University of California, Santa Barbara, and is treasurer of a nonprofit homeowners association. 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, and institutional investors. The firm offers tailored, non-discretionary planning and consulting using analytical tools to model potential outcomes, and supports its clients through various advisory programs and institutional consulting services.

Larry Harteck is a financial advisor at Stifel with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Stifel since 2012. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and planning decisions.

Shannon Kerber is a financial advisor at J.P. Morgan Securities with six years of industry experience. Her career includes roles at Windward Capital/S.L. Reed & Co, Morgan Stanley, and MUFG Union Bank. She holds Series 63 and Series 66 licenses. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support customized investment solutions.

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, specializing in personalized wealth management strategies tailored to clients' evolving financial landscapes. His expertise encompasses areas such as corporate executive services, divorce transition planning, employee benefits planning, executive and equity compensation, services for endowments and non-profits, managing new wealth, personal retirement planning, sports and entertainment, and tax minimization. With a professional designation as a Personal Investment Advisor (PIA), James holds a degree in Organizational Communication from Santa Barbara City College. He is fluent in English and Spanish, enabling him to communicate effectively with a diverse clientele. His involvement in professional organizations includes serving on the Executive Committee of TEDx Santa Barbara, participation in the Santa Barbara Young Professional Club, and engagement with United Way YLS. Beyond his professional commitments, James contributes to community initiatives such as TEDx Santa Barbara and Transition House. His personal interests include adventure sports, basketball, cooking, fishing, football, golfing, hiking, music, skiing, and traveling, reflecting a broad engagement with active and cultural pursuits.

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.