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.

Eva Enrigue is a financial advisor with Morgan Stanley in Santa Barbara, CA, holding Series 63 and Series 66 licenses and 13 years of industry experience. She has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2014 and 2015, respectively. Outside of her advisory role, she is involved in property management. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by advanced modeling tools and offers both direct and corporate financial planning services.

Jacob Faulstich is a Financial Consultant at Fidelity Investments, a position he has held since 2022. He is a CFP® professional and Certified Private Wealth Advisor® consultant, collaborating with clients to identify their financial goals, explore options, and develop personalized financial plans. Prior to his current role, Jacob gained experience as a Retirement Plan Advisor at Empower Retirement from 2019 to 2022, and worked as a Financial Advisor Associate at Morgan Stanley from 2018 to 2019. He holds a California Insurance License. Jacob's personal interests include art, cars, fishing, hiking, music, and traveling.

Scott Kelly is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with LPL Financial since 2000. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, third-party asset management, and institutional platforms, supporting advisors with a variety of investment strategies and operational tools.

Andrew Walton is a CFP® professional with 31 years of industry experience, currently serving as an advisor at Charles Schwab in Santa Barbara, CA. He has been with Charles Schwab and Charles Schwab Bank since 2012. Outside of his advisory role, he manages rental properties in Ventura, CA. 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 offers a range of multi-asset investment strategies supported by in-house research and due diligence.

Bryant Huber is a financial advisor at Edward Jones in Ojai, CA, holding a Series 66 designation with four years of industry experience. Prior to joining Edward Jones in 2018, he worked at Bank of The Sierra / Ojai Community Bank from 2016 to 2018. Outside of his advisory role, he serves as choir director and a finance council board member at Saint Thomas Aquinas Church and is a board member at Villanova Preparatory Academy, where he assists with financial oversight. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment options, supported by a nationwide network of more than 23,000 financial advisors.

Cydney Edmondson is a financial advisor at Raymond James & Associates with CFP® and Series 66 credentials and three years of industry experience. Her prior work includes roles at CycleBar and several financial services firms, along with extended periods of full-time education at California Polytechnic State University. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning and consulting with a range of portfolio management styles and specialized municipal advisory services.

Howard Smith is a financial advisor with Morgan Stanley in Santa Barbara, CA, holding Series 63 and Series 65 licenses and 30 years of industry experience. He has worked at Morgan Stanley and its Private Bank affiliate since 2009 and has been involved in teaching at UCLA Extension for over 35 years. Outside of finance, Smith is the author of a novel titled "Beethoven in Love" and serves on the board of the Santa Barbara Symphony Orchestra’s finance committee. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets and offering a range of investment and planning services.

Merle Divita is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 46 years of industry experience. His career includes positions at Citigroup Global Markets and Morgan Stanley prior to joining LPL Financial in 2009. Outside of his advisory role, he operates The DiVita Group, LLC, a home-based business maintained for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset management, supported by a large network of investment adviser representatives.

Adam MacKenzie is a Vice President and Financial Consultant at Fidelity Investments. He holds the CERTIFIED FINANCIAL PLANNER™ designation and aims to assist clients in achieving and maintaining financial peace of mind. Adam has extensive experience in the financial services industry, having worked since 1999. His career includes positions as a Financial Advisor at Morgan Stanley from 1999 to 2005, Financial Advisor at Banc of America Investment Securities, Inc. from 2005 to 2008, Senior Financial Consultant at TD Ameritrade, Inc. from 2008 to 2019, and Financial Consultant at Fidelity Investments from 2019 to 2022 before his current role starting in 2023. He also holds a California Insurance License. Outside of his professional responsibilities, Adam's personal interests include baseball, the beach, concerts, family activities, and traveling.

Andrew Wilson is a financial advisor at Raymond James & Associates with 34 years of industry experience. He previously worked at UBS Financial Services for 13 years before joining his current firm. Wilson holds the Series 63 designation and is based in Santa Barbara, CA. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions supported by a nationwide adviser network.

Samuel Miller is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior roles include positions at California Wealth Advisors and Bank of the West, as well as a four-year tenure at Island View Ranch. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, offering discretionary and non-discretionary portfolio management and consulting services.

Courtney Demars is a financial advisor with Merrill in Santa Barbara, CA, holding a Series 66 credential and 15 years of industry experience. She has been with Merrill since 2006 and also has experience with Bank of America, N.A. since 2025. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.