James Hardy Jr. is a financial advisor at Merrill with 37 years of industry experience. He holds Series 63 and Series 65 designations and has been with Merrill since 1990 and Bank of America since 2009. Hardy serves as an advisory board member for the Boys and Girls Club of Camarillo, providing guidance on after-school activities for youth. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for a wide range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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 with LPL Financial in Montecito, CA, holding Series 63 and Series 65 licenses and having 36 years of industry experience. Prior to joining LPL Financial in 2012, he worked at Wells Fargo Investments and Wells Fargo Clearing. He also serves as Wealth Management Director and is involved with MB&T Private Asset Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment solutions, employing various portfolio strategies supported by advanced research and operational tools.

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 at Cetera with 21 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Concourse Financial Group Securities Inc. and operated under Retirement Security Inc. Birch is also an insurance agent involved in the sale of fixed insurance products. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts, offering a multi-manager platform with varied portfolio management and financial planning services delivered through a nationwide network of independent advisors.

Joanne Farrell is a financial advisor at Merrill with 22 years of industry experience. She holds a Series 66 designation and has been with Merrill since 1999. Outside of advising, she is also a commissioned notary in Santa Barbara, California. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

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 at Morgan Stanley with 30 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets from 2000 to 2009. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and firm-approved tools, focusing on advisory services without providing individual security recommendations in standalone plans.

Jim Hamari is a financial advisor with Charles Schwab in Santa Barbara, CA, holding a Series 63 designation and 35 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 1995 and 2005, respectively. Outside of his advisory role, Hamari serves as a commission member for the Revenue Enhancement Oversight Commission in San Luis Obispo and is president of the Pale Kai Outrigger sports club. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 provides integrated advisory, brokerage, custody, and cash-sweep services with a client relationship model that blends non-discretionary guidance and access to discretionary separately managed accounts.

Sean Manning is a financial advisor with J.P. Morgan Securities in Santa Barbara, CA. He holds a Series 66 designation and has 11 years of industry experience, including prior roles at Bank of America and Merrill. Manning has been with J.P. Morgan since 2017. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process incorporates centralized due diligence with quantitative and qualitative research, and they offer broader derivatives and commodities capabilities compared to many institutional advisory programs.

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 with Merrill Lynch Wealth Management. He specializes in working with engineers, executives, founders, and other professionals whose wealth includes company stock, equity compensation, RSUs, stock options, ESPPs, or concentrated stock positions. Sean focuses on helping his clients navigate complex financial decisions involving taxes, diversification, risk management, and long-term planning. He holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA), and earned his Bachelor's Degree from the University of Southern California. Sean is committed to providing honest and transparent advice, prioritizing his clients' interests and striving to identify optimal strategies to achieve their financial goals. Outside of his advisory role, Sean is actively involved in his community, volunteering with organizations such as the Art of Living Foundation, Project Welcome Home Troops, and the SKY Campus Happiness Program. He also enjoys a range of personal interests including 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.

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.