Christopher Morency is a financial advisor with UBS Financial Services in Santa Barbara, CA. He holds a Series 63 designation and has 31 years of industry experience, including 15 years at UBS. UBS Financial Services serves individual, corporate, and institutional clients with a combination of brokerage and investment advisory services. The firm utilizes proprietary capital market assumptions and research from its Chief Investment Office and UBS Global Research to tailor investment plans and offers a range of services including fee-based financial planning, portfolio management, and capital markets activities.

Richard Marcellin is a Series 66 licensed financial advisor with Merrill in Santa Barbara, CA, and has 26 years of industry experience. He has been with Merrill Lynch Pierce Fenner & Smith Inc. since 2000 and also works with Bank of America, N.A. His outside business activities include managing a sole proprietorship involved in the collection and sale of vintage music artist merchandise. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Noemi Roberts currently serves as a Branch Leader at Fidelity Investments, a role she has held since 2026. In this position, she supports a team of Financial Consultants who work with clients on their financial planning needs. Her career in financial services spans several roles at Fidelity Investments, including Team Leader for Central Relationship Managers from 2025 to 2026, Regional Support Lead from 2023 to 2025, and Central Relationship Manager from 2021 to 2023. Prior to that, she gained experience as a Client Relationship Specialist at Charles Schwab from 2019 to 2021 and held various representative roles at Fidelity Investments dating back to 2015. This progression through multiple positions reflects a depth of experience in client relationship management and team leadership within the financial services industry.

William Toner Jr. is a financial advisor with Osaic Wealth, Inc. in Montecito, CA, holding a Series 66 designation and 14 years of industry experience. He has worked at Osaic since 2023 and previously held positions at Sagepoint Financial, Inc. and Plains Coastal, LLC. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients, offering brokerage and advisory services through a large network of financial advisers and multiple platforms. The firm employs various asset-allocation tools and third-party solutions to manage portfolios that include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Ethan Shultz is a financial advisor at Morgan Stanley in Montecito, CA, holding a Series 66 designation with four years of industry experience. His prior roles include positions at Merrill and Redfin, as well as experience outside finance at Santa Barbara Auto Group and Northern Arizona University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes utilizing firm-approved tools and market outlook models.

Harrison Croff is a Series 66-licensed financial advisor with 12 years of industry experience, currently with UBS Financial Services in Santa Barbara, CA, where he has worked since 2015. Outside of his advisory role, he is a partner in a business providing support for wine brokerage companies and serves as an officer of The Gretler Foundation, a charitable organization. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs proprietary research and model-based asset allocations to tailor investment plans aligned with clients’ goals and risk tolerances.

Carol Marks is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 25 years of industry experience. She previously worked at Morgan Stanley Smith Barney for seven years before joining Wells Fargo Clearing in 2017. Outside of her advisory role, she performs administrative duties for her husband's construction business. 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, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Hiten Iyer is a financial advisor with Morgan Stanley in Santa Barbara, CA, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. He has been with Morgan Stanley Smith Barney since 2010 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

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.