Monica Williams is a financial advisor with Merrill in Santa Barbara, CA, holding Series 63 and Series 65 licenses and 27 years of industry experience. Her prior roles include positions at Bank of America, Stifel Nicolaus, and Morgan Stanley. She serves as a board member for Opera Santa Barbara and is a co-trustee of a family trust. 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.

Moises Arevalo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing nine years of industry experience. He has worked with Wells Fargo Bank, NA since 2013 and Wells Fargo Clearing since 2016. 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 grounded in modern portfolio theory, with a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Ward Rafferty Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 34 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. Outside of his advisory role, he also works as a Lyft driver in San Francisco on a limited basis. 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, serving as an ERISA fiduciary and providing a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Emma Bridges is a financial advisor with Morgan Stanley in Santa Barbara, CA, holding Series 63 and Series 65 licenses and has 28 years of industry experience. She has been with Morgan Stanley since 2009 and worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and corporate financial planning agreements.

Jeffrey Moorhouse is a CFP® professional with over 32 years of experience, currently advising at Raymond James Financial in Ventura, CA. He has been with Raymond James since 2009 and previously served at the Carpinteria Sanitary District for nine years. Outside of his advisory role, he is a partner in 76Q, LLC, where he manages bookkeeping and other administrative tasks. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and analytical tools to support client goals and maintains specialized services such as municipal advisory work and SIMPLE IRA Employer Advisory programs.

David Le Grand is a financial advisor at Edward Jones in Ojai, California, holding a Series 66 designation with three years of industry experience. Prior to joining Edward Jones in 2023, he worked with Evox Images, Pet Gorilla, and eco-made, LLC. He is also a member of an investment club organized as an LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of over 23,000 financial advisors.

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 at OSAIC with 14 years of industry experience. He holds a Series 66 designation and has previously worked at Sagepoint Financial, Plains Coastal, Raymond James & Associates, and Merrill. OSAIC Wealth, Inc. serves a diverse range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm provides integrated brokerage and advisory services with a focus on asset allocation, risk tolerance, and portfolio construction using a mix of investment products and third-party solutions.

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.

Gerardo Barajas Jr. is a financial advisor with Wells Fargo Clearing in Santa Barbara, CA, holding Series 63 and Series 65 credentials and 12 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2014 to 2016. Outside of finance, he has been involved with the Oceana Hotel Santa Barbara for over a decade and serves as a power of attorney for his parents. 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 combines research-driven strategies with both brokerage and advisory solutions while managing approximately $671 billion in assets through a team of more than 14,000 advisors.

Molly Catalano is a financial advisor with Merrill in Santa Barbara, CA, holding a Series 66 credential and bringing 10 years of industry experience. Her career includes roles at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2017 and United Brokerage Services, Inc. in 2016–2017. Outside of advising, she works as a notary in Encino, 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 offers model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, and institutions.

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.