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.

Kelly Wehr is a financial advisor with Merrill in Santa Barbara, CA, holding a Series 66 designation and over 42 years of industry experience. She has been with Merrill since 1980. Outside of her advisory role, she is connected through a family relationship to an automotive design and consulting business based in Santa Ynez, CA. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services for 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 institutional investors.

Thomas Pryor is a financial advisor with Morgan Stanley in Santa Barbara, CA, holding a Series 66 designation and 22 years of industry experience. He has been with Morgan Stanley since 2009, including over a decade at Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals 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 tools and methodologies as part of its advisory process.

Gavin Kirby is a financial advisor with Morgan Stanley in Santa Barbara, CA, holding a Series 66 designation and eight years of industry experience. He previously worked at Raymond James & Associates for five years before joining Morgan Stanley Private Bank and Morgan Stanley in 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients through a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques to support its advisory services.

Frederick Burrows is a financial advisor at UBS Financial Services with 43 years of industry experience. He holds Series 63 and Series 66 designations and has been with UBS since 2015. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Robert Craig is a financial advisor at Edward Jones in Goleta, CA, holding a Series 66 designation with seven years of industry experience. He has been with Edward Jones since 2018 and previously worked at Golden 1 Credit Union and Siteincept Solutions. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of over 23,000 advisors.

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.