Julie Williams is a financial advisor at Morgan Stanley with 29 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and previously held positions at Citigroup Global Markets from 2003 to 2009. Williams holds a Series 63 designation and is based in Santa Barbara, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers advisory programs and tailored financial planning services to both individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market-return modeling in its financial planning process.

Jeremy Cole is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 19 years of industry experience. He previously worked at Centaurus Financial, Inc. from 2008 to 2012 before joining LPL Financial in 2014. Outside of his advisory role, he manages a business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of offerings including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supported by technology tools and a broad network of over 22,800 advisors.

Ashley Fernandez is a financial advisor with LPL Financial, holding a Series 66 designation and three years of industry experience. Prior to joining LPL Financial in 2020, Fernandez worked at Montecito Bank & Trust, Ross Dress for Less, AT&T Authorized Dealer, and Home Depot. LPL Financial is a national broker-dealer and 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 and access to model portfolios and institutional platforms.

Richard Jeffery is a financial advisor with Cetera, holding a Series 63 designation and bringing 44 years of industry experience. He has been associated with various Cetera entities since 1994 and currently operates out of Ventura, CA. In addition to advising, he works as an insurance agent selling life, health, disability, annuities, and long-term care insurance. Cetera Investment Advisers LLC is an SEC-registered firm serving individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors and employs a multi-manager platform featuring affiliated and third-party model portfolios.

Aries Chinsio is a financial advisor with J.P. Morgan Securities in Santa Barbara, CA, holding Series 63 and Series 65 licenses and 15 years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2022, he worked at Wells Fargo Clearing and Wells Fargo Bank from 2014 to 2022. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Steve Kim is a financial advisor with Wells Fargo Clearing in Santa Barbara, CA, holding a Series 63 designation and 26 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Daniel De Meyer is a financial advisor with Edward Jones in Santa Barbara, CA, holding Series 63 and Series 66 credentials and 36 years of industry experience. He has been with Edward D. Jones & Co., L.P. since 1989. Outside of his advisory work, he owns an avocado orchard in Carpinteria, CA. 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 through a nationwide network of roughly 23,701 financial advisors and offers a range of advisory programs and investment services under a fiduciary standard.

Ryan Godges is a financial advisor at Morgan Stanley in Santa Barbara, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, he worked at Edward Jones and State Farm Insurance. Outside of his advisory role, he works as a valet in Santa Barbara. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, employing a structured financial planning process that utilizes firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services that include tailored financial planning and various investment offerings.

Lorena Boyce is a Senior Financial Advisor with Merrill Lynch Wealth Management. She initially joined Merrill in 1983 as a futures and options specialist in Capital Markets at the Sears Tower in Chicago. From 1987 to 2015, she concentrated on fixed income securities sales to insurance companies before rejoining Merrill in 2016 to focus on alternative and private equity investments. Her expertise centers on the Merrill Private Equity and Alternatives Platform, providing private equity solutions tailored for foundations, endowments, institutions, and high-net-worth individuals. Lorena’s client focus areas include divorce transition planning, family wealth management strategies, and both individual and corporate investment strategies. She holds a Bachelor's Degree and a Master of Business Administration (MBA), both from the University of Virginia. She also holds the Personal Investment Advisor (PIA) professional designation. Lorena’s professional affiliations include membership in the Illinois Society of Colonial Warriors. Outside of her professional work, Lorena has been engaged in equestrian activities throughout much of her life, having ridden hunter-jumpers and, in more recent years, participated in race-horse ownership. She also enjoys biking, horseback riding, music, and skiing. In the community, she has volunteered with Lake Forest Hospice.

Brian Tevenan is a financial advisor at Merrill with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Bank of America and Merrill Lynch since 2010. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Tara Moayer is an Investment Consultant at Fidelity Investments, a role she has held since 2026. In her current position, she partners with clients to understand their unique financial goals, reviews their existing strategies, and identifies opportunities to strengthen their overall financial plans. Tara holds a California Insurance License, which supports her ability to advise clients effectively in their insurance and investment needs.

Stephen Kally is a CFP® with 42 years of industry experience, currently serving as a financial advisor at Stifel since 2012. He holds Series 63 and Series 65 licenses. Outside of his advisory role, he co-owns a property management business with his spouse. Stifel serves a diverse client base including individuals, institutions, and charitable organizations, providing brokerage and advisory services. The firm’s investment approach is guided by proprietary analysis and probabilistic modeling developed by its Investment Strategy Group.

Shawn Hill is a financial advisor with UBS Financial Services, holding a Series 66 credential and 19 years of industry experience. His prior experience includes roles at Merrill and Citigroup Global Markets. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory services, combining wealth management with institutional trading capabilities and research from its Chief Investment Office and global teams.

Jason Guevara-Martinez is a Financial Consultant at Fidelity Investments, a position he has held since 2026. He is dedicated to building trusted relationships through meaningful conversations and personalized guidance, helping clients develop strategies that align with their goals, values, and financial priorities while providing ongoing support as their needs evolve. Prior to his current role, Jason held several positions at Fidelity Investments, including Investment Consultant (2025-2026), Planning Consultant (2023-2025), and Relationship Manager (2022-2023). He also worked as a Relationship Banker at Wells Fargo Bank from 2016 to 2022. Jason holds a California Insurance License. Outside of his professional career, he enjoys activities such as spending time at the beach, cooking and baking, football, music, outdoor adventures, and traveling.

Gabriel Swan is a financial advisor at LPL Financial in Ventura, CA, holding a Series 66 designation with 14 years of industry experience. He previously worked at Western International Securities, Inc., Ameritas Investment Corp., and PHP Agency, Inc., and has operated Swan Retirement Planning since 2016. Outside of advisory work, Mr. Swan is involved with Flying Axe Distillery LLC, which holds the trademark for the distillery. 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 financial planning and asset management services, utilizing model portfolios, third-party subadvisors, and technology tools to support its network of over 22,800 advisors.

Dennis Boneck is a financial advisor at Stifel with 40 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services Inc for 15 years. Boneck is based in Santa Barbara, CA. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and advisory services. The firm’s investment approach is supported by proprietary methodology from its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to inform asset allocation and financial planning analyses.

Jerrad Burford is a financial advisor with Morgan Stanley in Montecito, CA, holding Series 63 and Series 65 licenses and with 34 years of industry experience. His career includes roles at Merrill, Citigroup Global Markets, and Morgan Stanley Smith Barney and Private Bank, where he has worked since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a wide range of advisory programs including tailored financial planning. The firm utilizes structured planning processes and tools, with a focus on advisory services supported by extensive resources and broad financial offerings.

Burke Francis is a financial advisor at LPL Financial with 59 years of industry experience. His prior roles include long tenures at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and third-party asset management access, supported by extensive advisor tools and a large network of investment professionals.

Robin Kopeikin is a CFA® charterholder and holds Series 63 and Series 65 licenses, with 29 years of industry experience. He has worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. since 2023, with prior roles at First Republic Investment Management and Starbuck Tisdale & Associates. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Clarisa Andrade is a financial advisor with Merrill in Santa Barbara, CA, holding a Series 66 designation and 16 years of industry experience. Her prior roles include positions at Wells Fargo Advisors and Wells Fargo Investments, LLC. 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 investment strategies for individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.