A set of sensitivity experiments are performed with a two-way coupled and nested ocean-atmosphere forecasting system in order to deconvolve how dense phytoplankton stocks in a coastal embayment may impact thermal energy exchange processes. Monterey Bay simulations parameterizing solar shortwave transparency in the surface ocean as an invariant oligotrophic oceanic water type estimate consistently colder sea surface temperature (SST) than simulations utilizing more realistic, spatially varying shortwave attenuation terms based on satellite estimates of surface algal pigment concentration. These SST differences lead to an similar to 88% increase in the cumulative turbulent thermal energy transfer from the ocean to the atmosphere over the thre...