Ryan Olson is a CFP® with 21 years of industry experience and is affiliated with LPL Financial. He has been with LPL Financial since 2005 and previously worked at Crew Wealth Management from 2010 to 2018. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management services, utilizing various model portfolios and third-party subadvisors, supported by machine-learning tools for operational research.

Hari Iyer is a financial advisor at Morgan Stanley with 29 years of industry experience. He has been with Morgan Stanley since 2009 and concurrently maintains a long-term role at Pacific Gas & Electric since 1984. Hari holds Series 63 and Series 65 certifications. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning and utilizes structured tools and modeling techniques to support client planning.

Dakota Murphy is a financial advisor with Wells Fargo Clearing in Santa Ynez, CA, holding a Series 66 designation and 14 years of industry experience. Prior to joining Wells Fargo in 2016, Murphy worked at UBS Financial Services from 2012 to 2014. Outside of his advisory role, he serves as a power of attorney for his parents in investment-related matters. Wells Fargo Advisors is a national securities firm that provides 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 and analytics based on diversification principles and modern portfolio theory.

Clifford Cook is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Smith Barney since 2010, and the Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

Jorge Morales Jr. is a financial advisor with LPL Financial in Solvang, CA, holding Series 63 and Series 66 credentials and having 24 years of industry experience. He has worked with firms including Montecito Bank & Trust since 2012 and Wells Fargo Clearing from 2011 to 2012. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice provided through a large network of investment adviser representatives using a variety of discretionary and non-discretionary strategies.

Ryan Dewane is a financial advisor at Raymond James Financial with three years of industry experience. He holds a Series 66 designation and has previously worked at Forte Labs and Snapwire Media Inc. Dewane is also associated with Dewane Investment Strategies, where he serves as a financial adviser. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and employs analytical tools such as risk profiling and probabilistic modeling to support client goals.

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.

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.

Alejandro Camacho is a financial advisor with Mass Mutual Investors Services and holds the Series 66 designation. He has nine years of industry experience, including prior roles at PlanMember Securities Corporation and Edward Jones. Before entering the financial sector, he worked at Westmont College for two years. Mass Mutual Investors Services is an SEC-registered investment adviser and broker-dealer serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, employing firm-approved software tools to analyze client goals and deliver written recommendations.

Warren Einolander is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and possessing 37 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2010. Outside of his advisory role, he serves as an ordained minister at Los Alamos Presbyterian Church, where he preaches and teaches Bible classes. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu, including specialty services such as business-owner transition planning and sports and entertainment planning, and integrates advisory services with other financial products and referral channels.

John Puscheck is a financial advisor with Wells Fargo Advisors who holds Series 63 and Series 66 licenses and has 42 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2010. Outside of his role at Wells Fargo, he owns and operates Kingsway Financial Advisors, doing business as 2CO520 Consulting Services Inc. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that serves individuals, trusts, and institutional clients. The firm offers a broad range of investment and fee-based financial planning services, including specialized planning for business-owner transitions, sports and entertainment, special-needs analysis, and divorce.

Thomas Woodard III is a financial advisor with Edward Jones in Lompoc, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. His career includes nearly a decade with various State Farm insurance agencies before joining Edward Jones in 2022. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of more than 23,000 financial advisors.

Joshua Zebley is a financial advisor with Edward Jones in Lompoc, CA, holding a Series 66 designation and eight years of industry experience. He has been with Edward Jones since 2018. Prior to his current role, he worked at Umpqua Bank and also held various positions at Dominos. 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 under management and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, access to separately managed accounts, and affiliated mutual funds.

Bradley Sicoff is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He previously worked at Cooper McManus, Cambridge Investment Research, and SunAmerica Capital Services over a span of nearly a decade. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, 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.

Kelsey Bengoa is a financial advisor with LPL Financial in Los Olivos, CA, holding a Series 66 designation and 17 years of industry experience. Prior to joining LPL Financial in 2014, Bengoa worked at Wells Fargo Advisors and Waddell & Reed. Outside of advisory services, Bengoa is involved with Coastal Funding, LLC, a mortgage and real estate services business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a broad range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm supports advisors with model portfolios, third-party asset management, and advisor-facing technology while managing over $819 billion in discretionary assets.

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.

Douglas Feliciano is a CFP® with 16 years of industry experience, currently with J.P. Morgan Securities. His prior roles include positions at J.P. Morgan Private Wealth Advisors LLC and First Republic Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm's advisory process integrates quantitative and qualitative research to build model asset allocations and incorporates a range of investment strategies, including ESG considerations.

James Watts is a CFP®-credentialed financial advisor with Edward Jones in Solvang, CA, where he has worked since 2003, totaling 22 years of industry experience. He holds Series 63 and Series 66 licenses in addition to his CFP® designation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies, tax-efficient services, and affiliated investment products, supported by a nationwide network of more than 23,700 advisors and over 15,000 branch offices.

Yasser Itani is a financial advisor at J.P. Morgan Securities with four years of industry experience and a Series 66 credential. His work history includes roles at JPMorgan Chase Bank, N.A. and Uber. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research to develop model asset allocations, with offerings that include derivatives and commodities capabilities.

Elijah Barrows is a financial advisor at Edward Jones with three years of industry experience. He holds a Series 66 designation and has worked at several firms, including Northwestern Mutual Investment Services LLC and MassMutual Life Insurance Co. prior to joining Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a broad range of investment strategies and advisory services supported by a large nationwide network of financial advisors and branch offices.