FINANCIAL CLARITY, EDUCATION, AND PEACE OF MIND FOR WOMEN From one woman to another, I understand the unique challenges you face in having an empowered relationship with your money. I am here to help you navigate your finances, no matter what your stage of life. I CAN’T WAIT TO MEET YOU! Please schedule a complimentary, no-obligation first appointment. This gives us the chance to chat, get to know one another, and determine if my services are going to be a good fit for you You can reach me directly with an email to mnolte@imaginefinancialservices.com, give me a call at (760) 472-5155, or tap that big blue button to the left that reads "Contact Marianne Nolte". Best regards, Marianne M Nolte, CFP® Imagine Financial Services www.imaginefinancialservices.com Read Marianne's blog posts here: https://www.imaginefinancialservices.com/blog

Walter Ruddiman is a financial advisor with American Independent Securities Group, LLC, holding Series 63 and Series 65 registrations and bringing 29 years of industry experience. He has worked at American Independent Securities Group since 2005 and has been the owner of Ruddiman Insurance Agency Inc. since 1980, specializing in life and health insurance sales and service. American Independent Securities Group provides investment advisory and financial planning services to a diverse client base, including individual investors, pension plans, charitable organizations, and corporations. The firm offers tailored portfolio management and access to multiple custodial and advisory platforms, managing most assets on a non-discretionary basis while maintaining an affiliated FINRA broker-dealer.

Jaimi Dennehy is a financial advisor at Mercer Global Advisors Inc. with 15 years of industry experience. She holds Series 63 and Series 66 designations and has worked at firms including J.P. Morgan Securities Inc. and Cresset Asset Management, LLC. Dennehy serves as a board member of the Western Arizona Humane Society. Mercer Global Advisors provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth families, small business owners, and nonprofit organizations. The firm’s investment approach emphasizes globally diversified, risk-appropriate portfolios using low-cost index vehicles and multi-factor strategies, along with comprehensive financial and retirement planning services.

George Martell is a financial advisor at Centaurus Financial, Inc. with 31 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Crown Capital Securities, LP for 16 years. In addition to his advisory role, he is an agent for medical, dental, and employee ancillary insurance group plans, primarily serving 401(k) clients. Centaurus Financial, Inc. provides advisory services through a network of independent representatives to individuals, families, businesses, and institutions. The firm offers financial planning, investment management, access to third-party managers, and retirement-plan advisory services.

Brian Springberg is a financial advisor with OSAIC, holding CFP® and Series 63 credentials and bringing 30 years of industry experience. His prior roles include a decade at SagePoint Financial and over two decades at Springberg, Mcandrew Financial Services. He serves as a board member of LifePoint Hospital, advising on community health care needs. OSAIC Wealth, Inc. is an SEC-registered investment adviser and FINRA member broker-dealer serving a diverse client base, including individual investors, pension plans, corporations, and charitable organizations. The firm utilizes a comprehensive investment process combining risk tolerance assessments and portfolio optimization tools, supporting thousands of advisors and managing approximately $200 billion in assets.

Brandon Warner is a Series 66-licensed financial advisor with Edward Jones in Lake Havasu City, Arizona, where he has worked since 2016. He has nine years of industry experience and previously worked at Mohave Community College for 13 years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, and manages approximately $1.01 trillion in assets.

Scott Hartman is a financial advisor with Edward Jones in Lake Havasu City, AZ, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones in 2023, he served for 25 years with the Lake Havasu City Fire Department. Outside of financial advising, he owns a home-based firearms sales business, Blue Water Firearms. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment advisory programs and affiliated financial services, supported by a nationwide network of over 23,000 advisors.

Brett Graham is a Series 66 licensed financial advisor with LPL Financial, based in Las Vegas, NV, and has 11 years of industry experience. Prior to joining LPL Financial in 2019, he worked at Citigroup from 2016 to 2019 and Waddell & Reed, Inc from 2015 to 2016. Outside of his advisory role, he is involved with Havasu AZ 2023 LLC, a business entity for tax and investment purposes. LPL Financial provides advisory and brokerage services to a diverse client base including individual investors, retirement plan sponsors, banks, and high-net-worth households. The firm offers a variety of financial planning and investment management options supported by an in-house research team and a broad platform combining advisory and brokerage services.

Traci Vaught is a financial advisor at Edward Jones in Lake Havasu City, AZ, holding a Series 66 designation and with seven years of industry experience. She has been with Edward Jones since 2018 and previously worked at TMX Finance from 2014 to 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with more than $1 trillion in assets under management. The firm offers a range of advisory programs and investment solutions, supported by a national network of financial advisors and branch offices.

Billie Van Lith is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. Their career includes over two decades at Cetera Advisor Networks and roles at various firms before joining J.P. Morgan in 2019. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Laura Prahl is a CFP® professional with 17 years of industry experience, currently serving as a financial advisor at Edward Jones since 2006. She holds Series 63 and Series 66 licenses. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions through a large network of financial advisors and branch offices.

Robert Dobos Bubno is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving 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 emphasizes a structured planning process that utilizes firm-approved tools and modeling techniques.

David Combs is a Series 66-licensed financial advisor with Edward Jones in Lake Havasu City, Arizona, where he has worked since 2018. He has seven years of industry experience, including nine years at Frontier Financial Credit Union and a year spent on extended travel. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of investment strategies and services, including discretionary and non-discretionary wrap fee programs, separately managed accounts, affiliated mutual funds, and tax-efficient solutions, supported by a large national network of financial advisors and branch offices.

Ryan French is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and with over 12 years of experience in the financial industry. He has worked at JPMorgan Chase Bank, N.A. since 2011 and has been with J.P. Morgan Securities since 2020. J.P. Morgan Securities 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 delivers these services alongside affiliated brokerage and investment management capabilities through a non-discretionary program where clients retain final decision-making authority.

Sean Goldney is a financial advisor with LPL Financial, holding a Series 66 designation and 16 years of industry experience. He has worked at LPL Financial since 2018 and previously at Cetera Advisor Networks LLC from 2013 to 2018. Outside of his advisory work, he is involved in managing a small business entity unrelated to investments. LPL Financial serves a broad range of clients, including individual investors, retirement plans, institutions, charities, and high-net-worth households. The firm offers diverse advisory and brokerage services supported by an in-house research team that provides model portfolios and various investment strategies through a large network of investment adviser representatives.

Salvatore Petetti Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 26 years of industry experience. He previously worked at Citigroup Global Markets for three years before joining LPL Financial in 2018. Outside of his advisory role, he is a managing member of several business entities established for tax and investment purposes. LPL Financial serves a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a range of advisory and brokerage services supported by an in-house research team that develops model portfolios and alternative investment strategies, delivered through a large network of investment adviser representatives.

Robert Stephenson is a Certified Financial Planner® at LPL Financial with 17 years of industry experience. His prior roles include positions at Principal Financial Group and several other financial services firms. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households, offering a range of investment solutions supported by an in-house research team and a large network of investment adviser representatives.

Karen Savage is a CFP® with 27 years of industry experience. She has worked at LPL Financial since 2019 and previously spent a decade with Raymond James Financial Services. LPL Financial provides advisory and brokerage services to a wide range of clients, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers diverse investment solutions supported by an in-house research team and combines advisory operations with non-advisory product offerings.

Stuart Cohen is a financial advisor with LPL Financial, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at Wells Fargo Clearing, WELLS FARGO Advisors, LLC, and Morgan Stanley Private Bank. Cohen is based in Las Vegas, NV. LPL Financial serves a diverse client base including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a range of advisory and brokerage services supported by an in-house research team that develops model portfolios and provides both strategic and tactical investment options.

Brandi Litzkow is a financial advisor at Primerica Advisors with Series 63 and Series 65 licenses and five years of industry experience. She has worked at Primerica since 2019 and previously spent over two decades in education with the Snowline Joint Unified School District and Hesperia Unified School District. In addition to her advisory role, she participates in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which provides model-delivery strategies and separately managed account options to individual and high-net-worth clients under a wrap-fee structure. The firm curates third-party asset managers and uses an independent due-diligence consultant to oversee portfolio management.

Teri Derosa is a financial advisor with Ameriprise in Lake Havasu City, AZ, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. Her prior roles include positions at Ameriprise Financial Services Inc., Rodan & Fields, Western Welcome, Waddell & Reed, Inc., and AIIZ Cooling and Heating. Ameriprise provides retirement-income planning services primarily for clients with substantial investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Richard Goldstein is a financial advisor with Primerica Advisors, holding a Series 63 designation and 16 years of industry experience. He has worked at PFS Investments Inc. since 2012 and has been with Primerica Financial Services since 2003. Outside of his advisory role, he is involved in sales of loan products and home security services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options primarily to individual and high-net-worth clients. The firm uses third-party asset managers and maintains discretion over model selection within a tiered wrap-fee structure.

Samuel Springberg is a CFP® with five years of industry experience, currently serving as a financial advisor at Osaic and Springberg Wealth Management. His prior experience includes roles at AssetMark Financial Holdings, Equitable Advisors, and Axa Advisors. OSAIC Wealth, Inc. is an SEC-registered investment adviser and FINRA member broker-dealer that serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations. The firm offers a range of advisory and brokerage services through a large network of advisors and employs a technology-driven investment process combining risk tolerance assessments with portfolio optimization tools.

Timothy Eckerdt is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 18 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2022, and previously spent a decade with Bank of America and Merrill. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Lucia Fondano is a financial advisor at J.P. Morgan Securities with 33 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012, having also worked with Jpmorgan Chase Bank, N.A. and Valley National Bank of Arizona since 1983. 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 through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm integrates advisory services with brokerage, distribution, and investment management capabilities.

Heath Haynes is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 24 years of industry experience. He has been with LPL Financial since 2010. Outside of his advisory role, he is engaged in fixed insurance sales through Haynes Investment Management, focusing on annuities, whole life, term, and long-term care insurance. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house Research team and a large network of investment adviser representatives.

Jacob Shulam is a financial advisor at LPL Financial with 42 years of industry experience. He holds the ChFC® and Series 63 designations. Prior to joining LPL Financial in 2021, he worked at VOYA Financial Advisors from 2015 to 2021. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a range of financial planning and asset management solutions supported by an in-house research team and a large network of investment adviser representatives.

Ronald Hawley is a financial advisor at Edward Jones in Lake Havasu City, AZ, holding a Series 66 designation with seven years of industry experience. Prior to joining Edward Jones in 2018, he worked at Manpower of Central KY and AECOM. Edward Jones is a full-service wealth management firm with over 23,700 financial advisors serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies under a fiduciary standard.