Michael Favorite is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and bringing 42 years of industry experience. He previously worked at Cantella & Co., Inc. for over a decade before joining Cambridge in 2022. Outside of advising, he is president and owner of a business entity, Favorite Enterprises, and also works as an agent in insurance and benefits. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individual investors, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services delivered through independent financial professionals using both proprietary and third-party strategies, with multiple platform and custody options tailored to client objectives.

Jennifer Murray is a financial advisor with Morgan Stanley who holds a Series 66 designation and has 23 years of industry experience. She has worked with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Murray serves on the investment committee of the Santa Barbara Foundation and holds board positions with the Santa Maria Valley YMCA Foundation and CALM – Child Abuse Listening Mediation. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm emphasizes a structured financial planning process using proprietary tools and offers a broad range of investment and planning solutions.

Jo Ann Massicott is a financial advisor with Edward Jones in Lompoc, CA, holding a Series 66 designation and five years of industry experience. Prior to joining Edward Jones in 2021, she worked in various medical roles, including at Community Memorial Hospital, Victoria Care Center, and Quality Medical Services. Outside of financial advising, she occasionally works weekend shifts as a respiratory therapist through a medical staffing registry. Edward Jones is a full-service wealth management firm serving over four million clients, including individual investors, institutions, and charitable organizations. The firm offers a range of advisory services and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

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.

Jeff Koester is a financial advisor at Wells Fargo Clearing with 34 years of industry experience. He holds a Series 63 designation and has worked at various Wells Fargo entities since 2009, including Wells Fargo Advisors LLC. Koester is based in Santa Maria, California. 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 a range of brokerage and advisory solutions supported by research and analytics.

Bruce Attig is a financial advisor with Morgan Stanley in Santa Maria, CA, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, Attig is a partner in agricultural ventures, including Attig AG LLC and Hidden Highlands Cattle Co LLC, and serves as a board member on the finance committee of Riviera United Methodist Church. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by firm-approved tools and processes. The firm manages approximately $2.74 trillion in client assets and provides financial planning through a structured discovery process without offering individual security recommendations as part of standalone plans.

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.

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.

Doroteo Cabral is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Wells Fargo-affiliated firms since 2011. 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 supported by research from Wells Fargo Investment Institute and third-party sources.

Ryan Dewane is a financial advisor with Raymond James Financial in Los Alamos, California, holding a Series 66 designation and two years of industry experience. He has been associated with Raymond James Financial and its affiliated firms since 2023. Dewane is also involved with Dewane Investment Strategies 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 clients. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools, and supports municipal and public-finance work through a unique municipal advisor affiliation.

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.