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 at Merrill Lynch Wealth Management. He is a CERTIFIED FINANCIAL PLANNER® professional and holds the Certified Plan Fiduciary Advisor® (CPFA) designation, along with credentials as a Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA). His approach to wealth management emphasizes gaining a comprehensive understanding of each client's financial landscape to develop personalized strategies that align with their priorities and aspirations. Michael integrates investment insights from Merrill and banking services from Bank of America to address various aspects of clients' financial lives. His expertise encompasses areas such as college education planning, divorce transition planning, equity compensation services, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. Michael is dedicated to simplifying the complexities of financial planning, allowing clients to focus on their passions and loved ones. Michael earned a Bachelor of Science degree in Financial Services Financial Management from California State University Chico. Outside of his professional work, he enjoys traveling with his wife, exploring new cultures, and spending time with his family and pets. His personal interests include gardening, woodworking, mountain biking, cooking, and quality time with family.

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.

Courtney Demars is a financial advisor with Merrill in Santa Barbara, CA, holding a Series 66 credential and 15 years of industry experience. She has been with Merrill since 2006 and also has experience with Bank of America, N.A. since 2025. Merrill, together 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

David Philips is a Vice President and Financial Consultant at Fidelity Investments, where he has been serving clients since 2007. He works closely with select families to develop dynamic financial plans tailored to their unique needs and preferences. Prior to his current role, he was a Retirement Investment Specialist at Fidelity Investments from 2005 to 2007. David holds a California Insurance License, which supports his ability to provide comprehensive financial advice. Outside of his professional work, he enjoys boating, fishing, football, gardening, and spending time with his family and engaging in activities related to parenthood.

Kevin Cyr is a financial advisor with Wells Fargo Clearing in Santa Barbara, CA, holding Series 63 and Series 66 licenses and five years of industry experience. He has worked at Wells Fargo Bank, J.P. Morgan Securities LLC, and JPMorgan Chase Bank, N.A., and also operates a business assembling and manufacturing antique firearm replicas. Wells Fargo Advisors is a national securities firm that provides investment advisory and financial planning services to individual, corporate, and institutional clients, managing approximately $671 billion in assets and offering both brokerage and advisory solutions.

Haley Daniels is a Financial Consultant at Fidelity Investments, where she has held various roles since 2023. Her experience includes positions as Financial Representative, Investment Consultant, and Financial Consultant I before her current role. Prior to joining Fidelity Investments, she worked as an Administrative Assistant at Certified Planners, Inc in 2019. She holds a California Insurance License, supporting her ability to provide financial guidance and services. Haley is committed to offering personalized and transparent financial advice that aligns with her clients' individual goals and values. Through thoughtful planning and education, she aims to assist clients in navigating their financial journeys effectively. Outside of her professional work, Haley has interests in fitness, food, social events, outdoor adventures, traveling, and yoga.

Leslie Swartwood is a financial advisor at Edward Jones with nine years of industry experience. She holds a Series 66 designation and has been with Edward Jones since 2017. Prior to that, she worked at OfficeTeam from 2013 to 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Michael McGinnis is a CFP® with 21 years of industry experience, currently serving at Morgan Stanley in Santa Barbara, CA. He has been with Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank since 2015. Outside of his advisory role, McGinnis is involved in rental property ownership in multiple locations including San Luis Obispo and Honolulu. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients. The firm emphasizes structured financial planning supported by approved tools and advisory services without providing individual security recommendations in standalone plans.

Michelle Perry is a Wealth Management Advisor and First Vice President at Merrill Lynch Wealth Management. She holds the CERTIFIED FINANCIAL PLANNER® (CFP®) designation and the Personal Investment Advisor (PIA) credential. Michelle works with clients to devise comprehensive financial strategies that align their wealth with their life priorities, focusing on areas such as family wealth management, legacy planning, retirement income, executive and equity compensation, tax minimization, and socially responsible investing. Michelle earned her Bachelor's degree in Communications from the University of California at Santa Barbara and completed her MBA with an emphasis in global business at Pepperdine University. Her leadership roles during graduate school included receiving awards from organizations like The Committee of 200 and advocacy work on behalf of women business leaders. Before joining Merrill in 2012, Michelle gained experience running a print and design firm and served as Junior Lifeguard Coordinator for the City of Carpinteria. In addition to her advisory work, Michelle serves as Chair of the Carpinteria Children’s Project and volunteers as a swim coach for the Carpinteria Aquatics Club. She also contributes her expertise to the Finance Committee for the Women's Fund of Santa Barbara and has held board positions with the Carpinteria Education Foundation. Michelle resides in Carpinteria with her husband and children and pursues interests including dancing, gardening, skiing, surfing, swimming, and yoga.

Jon Gladstone is a CFP® certified financial advisor with 28 years of industry experience, currently working at Mass Mutual Investors Services since 2017. His prior experience includes roles at Massachusetts Mutual Life Insurance Company and METLIFE Securities Inc. In addition to his advisory work, he operates as an independent insurance agent specializing in dental, group disability income, fixed annuities, life, accident, health, and long-term care insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, goal-oriented planning using firm-approved analytical tools.