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.

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 at LPL Financial with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at LPL Financial since 2012. He also serves as Wealth Management Director at Montecito Bank & Trust, where he has been employed since 2011. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including retirement plan consulting and model portfolio strategies, supported by proprietary and third-party research.

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 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 at Merrill Lynch Wealth Management. He works one-on-one with clients to define their financial goals and develop portfolio strategies tailored to their needs. His approach includes ongoing advice and adapting portfolios as clients' situations change. Sean specializes in advising engineers, executives, founders, and other professionals with wealth tied to company stock, equity compensation, RSUs, stock options, ESPPs, or concentrated stock positions. He focuses on navigating complex decisions involving taxes, diversification, risk management, and long-term financial planning. Sean holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations, and earned his Bachelor's degree from the University of Southern California. Outside of his professional work, Sean volunteers his time teaching stress-reduction and wellness programs for veterans, college students, and members of the Santa Barbara community. He is involved with 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 Senior Vice President and Senior Resident Director at Merrill Lynch Wealth Management in the Montecito office. He began his career with Merrill Lynch in 1979 after graduating from the University of California, Santa Barbara with a Bachelor's degree in Business Economics. David holds the designation of Personal Investment Advisor (PIA). His areas of expertise include family wealth management strategies, liquidity management, personal retirement planning, portfolio management services, socially responsible and values-based investing, tax minimization, and retirement income. David focuses on creating personalized wealth management strategies that align with clients' life priorities, goals, and aspirations. Outside of his professional role, David enjoys baseball, boating, golfing, photography, and reading. He and his wife Becky appreciate the local community, engaging in activities such as sailing and walking their dogs with their daughter at Elings Park, as well as playing golf at local courses including Muni, Sandpiper, and Glen Annie.