Jessica Yates is a financial advisor at Primerica Advisors with 10 years of industry experience. She holds the Series 63 and Series 65 designations. Her prior work includes roles with PG&E, San Luis Obispo County District Attorney, and San Luis Obispo County Sheriff’s Office. In addition to advisory work, she is involved in the sale of loan products and home security service referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies managed by third-party asset managers and operates at scale with approximately $15.5 billion in assets under management.

Derek Johnson is a CFP® professional with eight years of industry experience, currently advising clients at LPL Financial. Prior to joining LPL in 2018, he worked at Wilmer Cutler Pickering Hale and Dorr and was affiliated with the San Francisco Forty-Niners. 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 advisory services including financial planning, model portfolios, and institutional platforms, supported by a large network of investment adviser representatives.

Ronald Vyse is a Series 66-licensed financial advisor with Morgan Stanley, based in Nipomo, California, with 12 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Bank before joining Morgan Stanley in 2021. Vyse serves as a co-trustee of a family trust and is a board member of the Exit Planning Institute’s San Francisco Bay Area Chapter. Morgan Stanley Wealth Management provides 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 planning process utilizes structured discovery conversations and analytical tools but generally acts in an advisory capacity without providing individual security recommendations as part of standalone planning.

Kyle Hunt is a financial advisor with Wells Fargo Clearing and holds a Series 66 designation. He has been with Wells Fargo Clearing since 2026 and has prior experience at Wells Fargo Bank since 2014. Outside of financial services, he has been involved with Heat Fitness since 2018. 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, offering both brokerage and advisory solutions across a large national platform.

Jessica Tosti is a financial advisor with Wells Fargo Clearing, holding Series 65 and Series 63 licenses and possessing 11 years of industry experience. She has been with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Bank NA starting in 2012. Outside of her advisory role, she is involved in agricultural operations through ownership of J. Tosti Farms LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement consulting services. 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 databases.

Robert Rich is a CFP®-certified financial advisor with Edward Jones in Orcutt, CA, and has 11 years of industry experience. He has been with Edward Jones since 2014. Outside of his advisory role, he is a member of a band called Carry the 9, which sells merchandise online and at shows. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients and managing approximately $1.01 trillion in assets. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Terry Dworaczyk is a financial advisor with Ameriprise in Santa Maria, CA, holding Series 63 and Series 66 licenses and having 26 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory work, he serves on the boards of Revival Tabernacle and the Marian Foundation. Ameriprise offers retirement-income planning services targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency strategies to provide non-discretionary, written recommendations. The firm also provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

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.

Nathan Alvarado is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 42 years of industry experience. He has worked at Wells Fargo since 2016 and previously spent 11 years at A. G. Edwards & Sons, Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics.

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 with Wells Fargo Clearing, holding a Series 63 designation and 34 years of industry experience. He has worked at Wells Fargo Clearing since 2016, with prior roles at Wells Fargo Investments, Chase Investment Services, and Wamu Investments. Outside of advising, Koester is involved in rental property management in Santa Maria, CA, alongside his spouse. Wells Fargo Advisors serves individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services, managing approximately $671 billion in assets and employing over 14,000 advisors nationwide.

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.

Troy Prober is a financial advisor with LPL Financial in Arroyo Grande, CA, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Edward Jones and Bank of America. 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 other institutions through a large network of investment adviser representatives.

Doroteo Cabral is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 15 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm uses research and analytics to guide investment decisions and offers a range of brokerage and advisory solutions.

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.

Jerry Gunn is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 45 years of industry experience. He has been with Wells Fargo Clearing since 2016. 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 supported by research from Wells Fargo Investment Institute and third-party sources.