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.

David Marshall is a Senior Vice President and Senior Resident Director at Merrill Lynch Wealth Management in the Montecito office. He began his career with Merrill Lynch in 1979 after graduating from the University of California, Santa Barbara with a Bachelor's degree in Business Economics. David holds the designation of Personal Investment Advisor (PIA). His areas of expertise include family wealth management strategies, liquidity management, personal retirement planning, portfolio management services, socially responsible and values-based investing, tax minimization, and retirement income. David focuses on creating personalized wealth management strategies that align with clients' life priorities, goals, and aspirations. Outside of his professional role, David enjoys baseball, boating, golfing, photography, and reading. He and his wife Becky appreciate the local community, engaging in activities such as sailing and walking their dogs with their daughter at Elings Park, as well as playing golf at local courses including Muni, Sandpiper, and Glen Annie.

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.

Jeffrey Springgate is a financial advisor at Edward Jones with 18 years of industry experience. He has held roles at Edward Jones since 2017 and previously worked at Thrivent Financial and Thrivent Investment Management Inc. from 2014 to 2017. He holds the Series 63 and Series 65 designations. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and provides a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

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.

Shannon Irwin is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. Prior to joining LPL Financial in 2025, Irwin worked at Sorrento Pacific Financial, LLC for 16 years and Partnervest Advisory Services for 15 years. Irwin has also been involved in direct sales through Le-Vel, a multi-level marketing company. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

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.

Nancine Hayden is a CFP® professional with ten years of industry experience, currently serving as a financial advisor at Edward Jones since 2020. Prior to joining Edward Jones, she worked at Krummrich Engineering Corporation from 2014 to 2020. She also volunteers on the finance committee of the Ventura Land Trust, where she assists with budgeting and investment activities. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering both discretionary and non-discretionary wrap fee strategies along with access to separately managed accounts and affiliated mutual funds. The firm operates under a fiduciary standard and maintains one of the largest retail advisor networks in the industry.

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.

Eric Brandenberg is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2017. Outside of his advisory role, he works as a consultant for Westlake Village Inn, providing guidance on food and beverage menus. J.P. Morgan Securities LLC offers institutional consulting services to corporations, foundations, and defined contribution plan sponsors, focusing on asset allocation advice, investment manager searches, and customized performance reporting delivered through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines advisory services with brokerage, distribution, and investment management capabilities.