Bradley Sicoff is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He previously worked at Cooper McManus, Cambridge Investment Research, and SunAmerica Capital Services over a span of nearly a decade. 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 range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Sean Ovelmen is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in working with engineers, executives, founders, and other professionals whose wealth is closely linked to company stock and equity compensation, including RSUs, stock options, ESPPs, and concentrated stock positions. Sean assists clients in navigating 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 holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His approach emphasizes honesty, transparency, and prioritizing clients' interests, ensuring that strategies are tailored to each individual's financial goals. Beyond his advisory role, Sean is actively involved in the community. He volunteers teaching stress-reduction and wellness programs for veterans, college students, and members of the Santa Barbara community through organizations such as the Art of Living Foundation, Project Welcome Home Troops, and the SKY Campus Happiness Program. Outside of work, his personal interests include camping, chess, football, golfing, music, rock climbing, running, scuba diving, skiing, and yoga.

Jenna Sanchez is a financial advisor at Wells Fargo Clearing with two years of industry experience. She previously worked at Carolwood Partners and JPMorgan Chase & Co. Her credentials include the Series 66 designation. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

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.

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 in Santa Barbara, CA, holding Series 63 and Series 66 licenses and 20 years of industry experience. Her career includes roles at Wells Fargo Advisors LLC, J.P. Morgan Securities, and Chase Investment Services Corp. She serves as co-trustee and holds power of attorney for a family trust. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics.

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.