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. His career includes significant tenures at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Merrill. Outside of his advisory work, he is involved in managing several investment-related ventures and long-term planning for multiple family-owned and private commercial entities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, leveraging a large network of investment adviser representatives and advanced operational tools.

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, holding Series 63 and Series 65 registrations and bringing 30 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Morgan Stanley DW Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a broad range of investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by extensive research and analytics.

Lisa Lomeli is a financial advisor with Wells Fargo Clearing in Santa Barbara, CA, holding Series 63 and Series 66 credentials and possessing 20 years of industry experience. Her prior work includes roles at J.P. Morgan Securities and Chase Investment Services Corp. She serves as co-trustee and power of attorney for her mother's investment-related affairs. Wells Fargo Advisors is a national securities firm providing 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.

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 financial advisor at Osaic with 26 years of industry experience. He holds a Series 66 designation and spent 25 years at Lincoln Financial Advisors before joining Osaic in 2025. Almeida serves as a board member for the After High School Alliance, a nonprofit focused on empowering teens through program development. He also maintains an insurance agency role offering various life and health insurance products. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform that supports individual investors, retirement plan sponsors, charities, and corporate clients. The firm’s investment approach includes model-based asset allocation and portfolio optimization with options for discretionary management, third-party managers, and proprietary investment models.

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 with Morgan Stanley in Montecito, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. Her work history includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney, as well as significant tenure at Wells Fargo Clearing and Wells Fargo Investments. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by firm-approved tools and modeling techniques.

Shirley Smith is a financial advisor with Merrill in Santa Barbara, CA, holding Series 63 and Series 66 credentials and 31 years of industry experience. She has been with Merrill since 1987. Outside of her advisory role, she works part-time as a driver for transportation companies Uber and HopSkipDrive, which provides services for children aged 6 to 17. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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, holding Series 63 and Series 65 licenses and 40 years of industry experience. He has previously worked at Morgan Stanley and Citigroup Global Markets. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, relying on research and modern portfolio theory to guide its 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 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.