Carlos Zepeda is a financial advisor at Merrill with Series 63 and Series 66 licenses and four years of industry experience. His prior work includes roles at J.P. Morgan Securities and Pacific Western Bank, as well as positions outside the financial industry. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Janice Borsch is a financial advisor with Cetera, holding a Series 66 designation and over 20 years of industry experience. She has worked with Avantax and BT Wealth Management Services, among other firms, and maintains her own CPA practice focused on accounting and tax preparation. Borsch serves as a board director for the Ian M Hassett Foundation, participating in meetings and fundraising activities. Cetera Investment Advisers LLC operates a nationwide network of independent advisors serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers.

Edward Murray is a financial advisor with Morgan Stanley in Santa Maria, CA, holding Series 63 and Series 66 licenses and having 23 years of industry experience. He has worked at Morgan Stanley and its related entities since 2007. Outside of his advisory role, he serves on the board of the Boys & Girls Club of Santa Maria and is an assistant boys' golf coach at St. Joseph High School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and advanced modeling tools, providing advisory services without individual security recommendations as part of its standalone plans.

Alid Gonzalez is a financial advisor with LPL Financial, holding a Series 66 credential and two years of industry experience. His prior work includes roles at Mechanics Bank, Edward Jones, Wells Fargo, and JP Morgan Chase. Outside of his advisory work, he is involved with CountryWide Management, Ltd, a real estate rental business. 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, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Allison Estes is a financial advisor at Edward Jones with a Series 66 credential and two years of industry experience. She has been with Edward Jones since 2016 and previously worked with the Santa Maria Valley Humane Society. 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 discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds, operating under a fiduciary standard.

Bruce Altheide is a financial advisor with LPL Financial based in Santa Maria, CA. He holds the CFP® designation along with Series 63 and Series 65 licenses and has 39 years of industry experience. Prior to his current role, he worked at Linsco/Private Ledger Corp. for 28 years. He also engages in tax preparation and accounting for Coasthills Credit Union and performs financial institution duties there. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management services delivered through a large network of advisors who employ various portfolio strategies and advanced research tools.

Lilia Middleton is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. She holds Series 63 and Series 65 licenses and has worked within various divisions of Wells Fargo since 2002. 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, utilizing research from Wells Fargo Investment Institute and third-party sources to guide investment decisions.

Coby Snyder is a financial advisor with LPL Financial in Orcutt, CA, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at CoastHills Credit Union, Gilbert Consulting Services Inc., and Cal Poly-San Luis Obispo. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management solutions through a large network of advisors using a mix of model portfolios, third-party subadvisors, and customized strategies.

Todd Sears is a financial advisor with J.P. Morgan Securities in Santa Maria, CA, holding Series 63 and Series 65 licenses and 14 years of industry experience. He has been with J.P. Morgan Securities since 2016 and previously worked at Brookstone Capital Management LLC. Outside of his advisory role, he is involved as an employee in a commercial janitorial business. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence. The firm offers a range of investment solutions delivered on a non-discretionary basis, combining a broad product access with an ESG eligibility framework.

Suzan Victor is a financial advisor at Morgan Stanley with 19 years of industry experience and holds a Series 66 designation. She has been with Morgan Stanley since 2015. 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 tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations to support its financial planning process.

Jefferson Ledgerwood is a financial advisor at Edward Jones with 15 years of industry experience. He has been with Edward Jones since 2012 and holds the Series 66 designation. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

Aimee Harrell is a financial advisor with Morgan Stanley in Santa Maria, California, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. She has worked at Morgan Stanley since 2017 and previously held roles at JP Morgan Securities LLC and JP Morgan Chase Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery conversations and proprietary tools, with a focus on advisory services rather than direct security recommendations.

Marisol Eckels is a financial advisor with LPL Financial, holding a Series 66 designation and 24 years of industry experience. She has been with LPL Financial since 2001. Outside of her advisory role, she provides tax preparation and electronic filing services and serves in a banking role at CoastHills Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports its advisors with various investment platforms and operational tools, managing over $819 billion in discretionary assets through a large network of advisors.

Seth Ollice is a financial advisor with LPL Financial in Santa Maria, CA, holding a Series 66 credential and four years of industry experience. His work history includes roles at Coast Hills Credit Union and Western Colorado University, as well as a brief position at Garlic Mikes. Outside of advising, he is involved in tax preparation and accounting services at Coast Hills Federal Credit Union. 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, model portfolios, third-party asset management, and institutional platforms, supported by extensive technology and a large advisor network.