• Discover the keys to financial mastery at our dynamic seminar: "Mastering Money Matters." Delve into the world of finance, strategic planning, and the strategic advantages of LLCs with our lineup of seasoned experts. Gain invaluable insights, strategies, and practical tips to optimize your financial health and business success. Don't miss this transformative event that promises to empower you with the knowledge and tools you need to thrive in today's financial landscape! Register now to secure your spot!
    Speakers to be announced soon!
    This Month's Breakfast is generously donated by The Human Bean - Central California featuring breakfast burritos (locally made by Sylvester's Burgers), Morning Buns (locally made by Back Porch Bakery) and The Human Bean coffee.

  • Headshot of Scott Collins

    Steve Ocheltree, CPA
    Ocheltree CPA 

    Steve has been in the public accounting field since 1982. Steve specializes in a variety of  client solutions including business counseling, business start-ups, mergers and acquisitions, complex taxation issues,  tax planning and tax preparation. He is a member of the QuickBooks  ProAdvisor Program and a Sage Software authorized consultant. Steve volunteers his time teaching classes on business start-up and QuickBooks at the local branch of SCORE, a partner of the U.S. Small Business Administration. He is the recipient of SCORE's 2014 "Volunteer of the Year" Award. Steve's years of experience give him a deep understanding of seemingly unsolvable taxation issues and a know-how for achieving results with the IRS and the State of California (and other states). Steve has spent countless hours serving our community on non-profit boards, including The Fresno Rescue Mission, SCORE (a partner of the U.S. Small Business Administration),  local school boards and church boards. In his spare time, Steve likes to cycle, garden, read mystery novels, travel, cook and enjoy his family and pets. He and Carolyn have been married since 1979. They have four adult sons.   


    Judy Mahan
    Senior Economic Development Director

    Cal Poly CIE SBDC

    Judy runs the CIE Incubator and is the head of CalPoly CIE Small Business Development Center (SBDC) programs. The SBDC provides high-quality complimentary business assistance to startups and established companies. So, if you need help with your business or startup, get in touch with Judy!

    At the CIE HotHouse, she leads programming to assist in the business development of over a dozen currently incubating companies.  On the SBDC side, Judy manages the pool of expert consultants who support SBDC clients. With her experience as a corporate and securities attorney, Judy also provides legal guidance to more than 150 company clients within the SLO County SBDC network.

    She also just happens to have a law degree, speaks French and teaches yoga. Her favorite dessert is cheese.


    Lisa Yray
    Branch Service Officer
    Mechanics Bank

    Lisa has been working in banking since 2005 when she started off as a teller at Patelco Credit Union.  Since that time, she has worked at a few different financial institutions, mostly credit unions preceding her time at Mechanics Bank.  She has worked with most aspects of the banking industry from basic teller transactions, loan processing, loan funding, account opening, auditing and branch management.  Lisa has been at the Morro Bay Mechanics Bank since Dec 2022 and looks forward to assisting everyone.


  • Past Breakfasts

  • April 2024 Bold Journeys: Celebrating Woman Entrepreneurs


  • Thanks to our Generous Breakfast on the Bay Sponsors

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    Beads by the Bay and Garden Shop Logo



    Member Pricing

    $20 – Early Bird Single Breakfast

    $25 – Single Breakfast

    $75 – 4 Pass Bundle

    $200 – Annual Package

    $15  Virtual Ticket

    Future Member Pricing

    $25 – Early Bird Single Breakfast

    $30 – Single Breakfast

    $95 – 4 Pass Bundle

    $250 – Annual Package

    $20  Virtual Ticket

    Please see Terms & Conditions at the bottom of the page for ticket details

  • Upcoming Topics

    May 15: Mastering Money Matters: A Seminar on Finance, Strategic Planning, and the Power of LLCs 
    June 19: Diversity in Education & Business: A Prideful Seminar Showcasing LGBTQ Entrepreneurs and Educational Excellence 
    July 17: Business Brilliance: Unveiling the Tapestry of Small Business Success Stories
    August 21: Creativity Unleashed: Spotlight on Artistic Triumphs and Inspiring Journeys
    September 18: Policy Pulse: Navigating the Latest in Governmental Affairs and Committee Updates
    October 16: Sailing with the Wind: Charting the Course of Offshore Wind and Wind’s Impact on Aquatic Enterprises
    November 20: Holiday Hope: A Showcase of Nonprofit Impact and Giving Back During the Festive Season

  • Terms & Conditions

    Annual pass

    All in with our Breakfast on the Bay (BOTB) program and want to come every month? Get a discount with an annual pass! Good for one year of BOTB. Your annual pass starts with the first breakfast you attend and ends after one year. If the Chamber cancels a BOTB for any reason your annual pass will be extended for one month. If you cannot attend a BOTB, you may transfer your ticket to another person as long as you email jody@morrochamber.org ahead of time to let her know of the substitution.

    4 Pass Bundle

    Want to come to multiple Breakfast on the Bays (BOTBs)or bringing a group? Get a discount with a 4 Pass Bundle to come to 4 BOTBs! This option is good for any single four BOTBs or multiple people attending a BOTB. If you are attending multiple BOTBs, you will be automatically added to four consecutive months unless you email jody@morrochamber.org ahead of time to let her know you will not be there. You may also let her know which ones you would like to attend at the time of purchase. If you are bringing multiple people to a single BOTB (or two people to two BOTBs), please email Jody to let her know the additional guests names and emails and she will add to the registration list. Must be used within one (1) year of date of purchase.

    Early Bird Pricing

    Early bird pricing is available for single tickets purchased prior 3:00 pm of the Monday before the breakfast date.

    Virtual Ticket

    This option is exclusively for live participation, and our team will be actively monitoring the Zoom Chat to address any questions you may have during the event. Zoom link will be sent out 1 hour prior to the start of the Breakfast Program. Registration and payment are required prior to the event.

    Refund Policy

    Refunds will be managed based on receipt of a written request for cancellation/refund.

    7 DAYS PRIOR TO EVENT: registration fees will be refunded IN FULL
    7 DAYS OR LESS PRIOR TO EVENT: registration fees will NOT BE REFUNDED

    All on-site registrants for any Chamber event must be paid in full upon admittance and cannot be invoiced.  On-site registration is not allowed for every event and is based upon capacity.