Michael Day is a financial advisor at Edward Jones with three years of industry experience. He holds a Series 66 designation and has previously worked at Centaurus Financial Inc and California Wealth Advisors. 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 programs and investment solutions through a nationwide network of financial advisors and branch offices.

Elisabeth Schreiber is a financial advisor with Morgan Stanley in Santa Barbara, CA, holding Series 63 and Series 66 designations and bringing 21 years of industry experience. Her career includes roles at Raymond James & Associates before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC in 2021. Outside of her advisory work, she is a limited partner in an online retail services business focused on the secondary ticket market. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs to individuals and institutional clients, with approximately $2.74 trillion in client assets. The firm offers tailored financial planning services supported by structured processes and planning tools, serving clients through both direct and employer-sponsored arrangements.

Gerardo Banuelos is a financial advisor with Wells Fargo Clearing in Santa Barbara, CA, holding Series 63 and Series 66 credentials and eight years of industry experience. His career includes roles at Wells Fargo Bank and Foresters Financial, along with involvement in political campaign activities and entrepreneurial ventures such as SB Menus / OrderUp. He also holds a power of attorney role for his spouse. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering IPS-driven investment advice and discretionary options that include a wider range of financial products such as insurance-related vehicles and bank deposit sweep programs.

David Trogan Jr. is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank since 2015. Outside of his advisory work, he serves as a board member for Laguna Blanca School in Santa Barbara, California. 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 and manages approximately $2.74 trillion in client assets through structured planning tools and a variety of investment solutions.

Jonathan Fuhrer is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including time at Morgan Stanley Private Bank, National Association. Outside of his advisory work, he holds permits for commercial fishing, specifically halibut quota and black cod permits. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and broad investment resources but generally does not offer individual security recommendations within its standalone planning programs.

Brooke Harcsa is a financial advisor at Charles Schwab with a Series 66 credential and two years of industry experience. Her prior roles include positions at Charles Schwab Bank and the Law Office of Guneet Kau, along with experience in healthcare programs and education. 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 advisory relationships and access to discretionary separately managed accounts, supported by robust research and alternative investment due diligence.

Randy Howe is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2019, with prior roles at JPMorgan Chase Bank dating back to 2016. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, manager searches, and customized performance reporting through a structured, non-discretionary process that includes an ESG eligibility framework.

Kieran Maloney is a financial advisor with Raymond James & Associates in Santa Barbara, CA, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He previously worked at UBS Financial Services for 12 years before joining Raymond James in 2023. Outside of his advisory work, he is involved with 50 Fathoms LLC, a company that produces wine and spirits submerged in metal cages in the ocean near the Channel Islands of Santa Barbara. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipalities. The firm offers financial planning, non-discretionary investment consulting, and institutional advisory services, utilizing a range of portfolio management styles supported by affiliated research and model managers.

Jasmine Bucago is a financial advisor with Charles Schwab in Santa Barbara, CA. She holds the Series 66 designation and has one year of industry experience. Her prior roles include positions at Wells Fargo and Charles Schwab Bank. Outside of finance, she has been involved with community organizations such as the Boys & Girls Club of The North Valley and the Shalom Free Clinic. 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, offering both non-discretionary and discretionary investment options supported by a multi-asset model portfolio approach.

Marcus Sikors is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and 19 years of industry experience. He has been with Cambridge Investment Research Advisors since 2012. Sikors serves as an investment committee member for Vista Del Mar and is chairman of the board for the North Coast Business Park association. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent financial professionals, employing proprietary and third-party investment strategies across multiple platform arrangements.

Julie Williams is a financial advisor with Morgan Stanley in Santa Barbara, CA, holding a Series 63 designation and 28 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Ashley Fernandez is a Series 66 licensed financial advisor with LPL Financial, based in Santa Barbara, CA, and has three years of industry experience. Prior to joining LPL Financial, Fernandez worked at Montecito Bank & Trust and held other roles in retail and telecommunications. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Aries Chinsio is a financial advisor with J.P. Morgan Securities in Santa Barbara, CA, holding Series 63 and Series 65 licenses and 15 years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2022, he worked at Wells Fargo Clearing and Wells Fargo Bank from 2014 to 2022. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Steve Kim is a financial advisor with Wells Fargo Clearing in Santa Barbara, CA, holding a Series 63 designation and 26 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Daniel De Meyer is a financial advisor with Edward Jones in Santa Barbara, CA, holding Series 63 and Series 66 credentials and 36 years of industry experience. He has been with Edward D. Jones & Co., L.P. since 1989. Outside of his advisory work, he owns an avocado orchard in Carpinteria, CA. 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 through a nationwide network of roughly 23,701 financial advisors and offers a range of advisory programs and investment services under a fiduciary standard.

Ryan Godges is a financial advisor at Morgan Stanley in Santa Barbara, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, he worked at Edward Jones and State Farm Insurance. Outside of his advisory role, he works as a valet in Santa Barbara. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, employing a structured financial planning process that utilizes firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services that include tailored financial planning and various investment offerings.

Adriana Trujillo is a financial advisor with J.P. Morgan Securities holding a Series 66 license and seven years of industry experience. She previously worked at Merrill and Bank of America, N.A. Outside of her advisory role, she owns and manages long-term rental properties in California. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, employing a process that integrates quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Lorena Boyce is a Senior Financial Advisor with Merrill Lynch Wealth Management. She initially joined Merrill in 1983 as a futures and options specialist in Capital Markets at the Sears Tower in Chicago. From 1987 to 2015, she concentrated on fixed income securities sales to insurance companies before rejoining Merrill in 2016 to focus on alternative and private equity investments. Her expertise centers on the Merrill Private Equity and Alternatives Platform, providing private equity solutions tailored for foundations, endowments, institutions, and high-net-worth individuals. Lorena’s client focus areas include divorce transition planning, family wealth management strategies, and both individual and corporate investment strategies. She holds a Bachelor's Degree and a Master of Business Administration (MBA), both from the University of Virginia. She also holds the Personal Investment Advisor (PIA) professional designation. Lorena’s professional affiliations include membership in the Illinois Society of Colonial Warriors. Outside of her professional work, Lorena has been engaged in equestrian activities throughout much of her life, having ridden hunter-jumpers and, in more recent years, participated in race-horse ownership. She also enjoys biking, horseback riding, music, and skiing. In the community, she has volunteered with Lake Forest Hospice.

Brian Tevenan is a financial advisor at Merrill with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Bank of America and Merrill Lynch since 2010. 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 plans, corporations, and charitable organizations.

Tara Moayer is an Investment Consultant at Fidelity Investments, a role she has held since 2026. In her current position, she partners with clients to understand their unique financial goals, reviews their existing strategies, and identifies opportunities to strengthen their overall financial plans. Tara holds a California Insurance License, which supports her ability to advise clients effectively in their insurance and investment needs.