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. Prior to joining LPL Financial in 2026, he worked for Morgan Stanley Private Bank and Morgan Stanley Smith Barney for a combined 25 years. Outside of his advisory role, he is involved in managing and planning for several business entities related to hotel development and commercial real estate. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs with both discretionary and non-discretionary management, supported by research and model portfolios.

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, 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.

Craig Crawley is a financial advisor with Wells Fargo Clearing in Carpinteria, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2010 to 2016. Outside of advisory work, he is listed as an agent for Laguna Elixirs LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services including investment policy statement preparation, performance reporting, and participant education. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options within its investment offerings.

Heidi Harvey is a financial advisor at Edward Jones in Carpinteria, California, with over 11 years at the firm and three years of industry experience. She holds a Series 66 designation. Outside of her advisory role, she has volunteered with the California Avocado Festival, assisting with various tasks. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with a range of advisory programs and investment solutions. The firm is notable for its extensive retail advisor network, affiliated mutual funds, and a fiduciary standard in providing advisory services.

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.