Kevin Richard is a financial advisor with Wells Fargo Clearing in Santa Barbara, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, relying on research and analytics while providing a range of financial products through affiliated bank and insurance entities.

Lisa Lomeli is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 20 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC from 2014 to 2016. Outside of her advisory role, she serves as co-trustee and holds power of attorney for a family trust. 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 includes a broader range of financial product offerings, such as insurance-related vehicles and bank deposit sweep options, than is typical for large institutional advisers.

Daisy Melendez is a CFP®-certified financial advisor with eight years of industry experience. She is currently affiliated with Cetera and has held roles with related Cetera entities and Santa Barbara Coastal Advisors since 2015. Melendez also sells life and health insurance as an insurance agent. Cetera Investment Advisers LLC is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, corporations, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and consulting services, combining discretionary and non-discretionary program options managed across a nationwide network of independent advisors.

Susanne Hartenstine is a Financial Consultant at Fidelity Investments, a role she has held since 2025. Prior to this position, she worked as a Planning Consultant at Fidelity Investments from 2023 to 2025, and before that, she was a Financial Advisor at Edward Jones Investments from 2016 to 2023. She holds a California Insurance License. Susanne's career in finance began in Hawaii and has been shaped by her experiences growing up in Europe, specifically in Germany and France. Her background includes working with clients from diverse cultural backgrounds, which has contributed to her ability to address unique financial situations. She emphasizes the importance of understanding clients' personal and family goals to help them pursue their financial objectives. Outside of her professional work, Susanne enjoys a variety of personal interests including art, golf, horseback riding, pets, table tennis, and tennis.

David Almeida is a Series 66 credentialed advisor with 26 years of industry experience. He has worked at Osaic since 2025 and previously spent 25 years at Lincoln Financial Advisors. Almeida serves as a board member for a nonprofit organization focused on empowering teens through program development. Osaic Wealth, Inc. serves a wide range of clients including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and multiple investment platforms to construct diversified portfolios.

Thomas Huerta is Vice President and Executive Planning Consultant at Fidelity Investments. In this role, he partners with clients to create personalized financial plans and emphasizes building trust through consistent and flexible planning. He has been with Fidelity Investments since 2012, serving as Executive Planning Consultant since 2022, Director and Retirement Planner from 2016 to 2022, and Financial Consultant from 2012 to 2015. Prior to Fidelity, he worked as a Financial Advisor at Morgan Stanley Private Wealth Management from 2009 to 2011 and as a Consulting Group Analyst at Citi Family Office from 2008 to 2009. Thomas holds a California Insurance License.

Jeanine Burford is a financial advisor at Morgan Stanley with 33 years of industry experience. Her prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors. She holds Series 63 and Series 65 licenses. 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 investment models but does not provide individual security recommendations as part of its standalone financial planning.

Henry Glasheen is a financial advisor with Charles Schwab in Santa Barbara, CA, holding Series 63 and Series 66 licenses and 41 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2015. Outside of his advisory work, Glasheen serves on the Board of Trustees and the Development Committee for The Land Trust for Santa Barbara County, a nonprofit organization focused on reducing development density by acquiring land and development rights. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, providing a combination of advisory, brokerage, custody, and cash-sweep services. The firm offers a mix of non-discretionary and discretionary investment management with multi-asset model portfolios and alternative investment options.

Jorge Caro Arias is a financial advisor with Charles Schwab in Santa Barbara, CA, holding a Series 66 designation and three years of industry experience. His prior roles include positions at MUFG Union 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, offering a combination of advisory, brokerage, custody, and cash-sweep services. The firm’s model integrates non-discretionary client relationships with access to affiliated discretionary separately managed accounts, and utilizes multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Michael Gutierrez is a Wealth Management Advisor with Merrill Lynch Wealth Management. He focuses on offering a comprehensive approach to managing wealth by first understanding a client's financial situation and priorities, then helping create a customized and flexible wealth management plan. He provides access to Merrill Lynch investment insights and the banking services of Bank of America to address various aspects of clients' financial lives. He holds the CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Plan Fiduciary Advisor® (CPFA®), Chartered Retirement Planning Counselor™ (CRPC™), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) designations. Michael earned a Bachelor of Science degree in Financial Services Financial Management from California State University Chico. His areas of expertise include college education planning, divorce transition planning, equity compensation services, family wealth management strategies, legacy planning, retirement planning, portfolio management, and tax minimization. Outside of his professional role, Michael enjoys traveling with his wife, gardening, woodworking, mountain biking, cooking, and spending quality time with his family. They share their home with two dogs, a cat, and four chickens.

Paxson Russell is a financial advisor with Raymond James & Associates holding a Series 66 designation and one year of industry experience. Prior to joining Raymond James, he held roles at Oniracom, a local marketing agency where he worked as a business development consultant. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and charitable organizations. The firm offers non-discretionary financial planning and investment consulting supported by a range of portfolio management styles and affiliated research.

Richard Tenold is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 28 years of industry experience. His prior work includes roles at Morgan Stanley Smith Barney and Citigroup Global Markets. He is based in Santa Barbara, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, employing research and analytics from Wells Fargo Investment Institute alongside third-party sources.

Eva Enrigue is a financial advisor with Morgan Stanley in Santa Barbara, CA, holding Series 63 and Series 66 licenses and 13 years of industry experience. She has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2014 and 2015, respectively. Outside of her advisory role, she is involved in property management. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by advanced modeling tools and offers both direct and corporate financial planning services.

Jacob Faulstich is a Financial Consultant at Fidelity Investments, a position he has held since 2022. He is a CFP® professional and Certified Private Wealth Advisor® consultant, collaborating with clients to identify their financial goals, explore options, and develop personalized financial plans. Prior to his current role, Jacob gained experience as a Retirement Plan Advisor at Empower Retirement from 2019 to 2022, and worked as a Financial Advisor Associate at Morgan Stanley from 2018 to 2019. He holds a California Insurance License. Jacob's personal interests include art, cars, fishing, hiking, music, and traveling.

Andrew Walton is a CFP® professional with 31 years of industry experience, currently serving as an advisor at Charles Schwab in Santa Barbara, CA. He has been with Charles Schwab and Charles Schwab Bank since 2012. Outside of his advisory role, he manages rental properties in Ventura, CA. 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 offers a range of multi-asset investment strategies supported by in-house research and due diligence.

Cydney Edmondson is a financial advisor at Raymond James & Associates with CFP® and Series 66 credentials and three years of industry experience. Her prior work includes roles at CycleBar and several financial services firms, along with extended periods of full-time education at California Polytechnic State University. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning and consulting with a range of portfolio management styles and specialized municipal advisory services.

Howard Smith is a financial advisor with Morgan Stanley in Santa Barbara, CA, holding Series 63 and Series 65 licenses and 30 years of industry experience. He has worked at Morgan Stanley and its Private Bank affiliate since 2009 and has been involved in teaching at UCLA Extension for over 35 years. Outside of finance, Smith is the author of a novel titled "Beethoven in Love" and serves on the board of the Santa Barbara Symphony Orchestra’s finance committee. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets and offering a range of investment and planning services.

Adam MacKenzie is a Vice President and Financial Consultant at Fidelity Investments. He holds the CERTIFIED FINANCIAL PLANNER™ designation and aims to assist clients in achieving and maintaining financial peace of mind. Adam has extensive experience in the financial services industry, having worked since 1999. His career includes positions as a Financial Advisor at Morgan Stanley from 1999 to 2005, Financial Advisor at Banc of America Investment Securities, Inc. from 2005 to 2008, Senior Financial Consultant at TD Ameritrade, Inc. from 2008 to 2019, and Financial Consultant at Fidelity Investments from 2019 to 2022 before his current role starting in 2023. He also holds a California Insurance License. Outside of his professional responsibilities, Adam's personal interests include baseball, the beach, concerts, family activities, and traveling.

Andrew Wilson is a financial advisor at Raymond James & Associates with 34 years of industry experience. He previously worked at UBS Financial Services for 13 years before joining his current firm. Wilson holds the Series 63 designation and is based in Santa Barbara, CA. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions supported by a nationwide adviser network.

Samuel Miller is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior roles include positions at California Wealth Advisors and Bank of the West, as well as a four-year tenure at Island View Ranch. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, offering discretionary and non-discretionary portfolio management and consulting services.