Mathew Brown is a financial advisor at Morgan Stanley in Tucson, AZ, holding a Series 66 designation with eight years of industry experience. His career includes roles at Latin Securities Inc, Jefferies LLC, Morgan Stanley Smith Barney LLC, and Wells Fargo Clearing Services, LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that incorporates firm-approved tools and market-based return estimates.

Estel Freese is a financial advisor at Cetera with 25 years of industry experience and holds a Series 66 designation. Prior to joining Cetera in 2025, she spent six years at Avantax Investment Services and 17 years with 1ST Global Advisors. Outside of her advisory role, she consults on tax issues and retirement planning for employee benefit plans as an outside consultant for WEST & COMPANY, LLC, CPAs. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a wide range of portfolio management and financial planning services, managing over $256 billion in assets through more than 10,000 advisors nationwide.

Ivan Escobosa is a CFP® professional with nine years of industry experience, currently serving at Edward Jones since 2017. He previously worked at Morgan Stanley and was affiliated with the University of Arizona. Outside of his advisory role, he serves on the Audit Committee of The Gregory School in Tucson, AZ. Edward Jones is a full-service wealth management firm serving over four million clients across individual and institutional segments, offering a range of advisory programs and investment options supported by a large nationwide network of advisors and branches.

Keith Courser is a financial advisor with Merrill Lynch Wealth Management and a U.S. Air Force veteran. He brings a disciplined and strategic approach to financial planning, drawing on his military background and academic training in economics. Keith focuses on providing tailored guidance in areas such as college education planning, family wealth management, legacy planning, retirement income, and tax minimization. With a Bachelor of Arts in Economics from the University of Arizona and the Personal Investment Advisor (PIA) designation, Keith leverages his understanding of economic trends and financial markets to help clients navigate their financial futures. His experience encompasses portfolio management services and personalized retirement planning, serving individuals, families, and businesses. Outside of his professional work, Keith enjoys golfing, hiking, pickleball, reading, running, and spending time with his family. His commitment to providing practical, informed financial advice is grounded in a philosophy of empowering clients to achieve long-term financial security and build lasting wealth.

Tim Beithon is a financial advisor with Wells Fargo Clearing in Tucson, AZ, holding a Series 66 designation and 17 years of industry experience. He worked at Edward Jones for 18 years before joining Wells Fargo Clearing in 2026. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Alicia Riddle serves as a Branch Leader at Fidelity Investments, a role she has held since 2023. She began her tenure at Fidelity in 2020 as a Financial Consultant before advancing to her current leadership position. Prior to joining Fidelity, Alicia worked as a Financial Advisor at JP Morgan from 2019 to 2020 and as a Financial Solutions Advisor at Merrill from 2016 to 2019. Her career in financial advisory started at Edward Jones, where she was employed from 2014 to 2016. Throughout her career, Alicia has focused on assisting individuals and families in achieving financial peace of mind. Her professional experience spans various facets of financial advising and consulting, reflecting a commitment to client service and financial planning. Outside of her professional responsibilities, Alicia engages in activities such as biking, playing musical instruments, caring for pets, reading, and traveling.

Elroy Masters Jr. is a financial advisor with Raymond James & Associates, holding a Series 66 designation and six years of industry experience. Before joining Raymond James in 2020, he worked at UDR from 2017 to 2020 and was a student at Colorado State University from 2013 to 2017. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets, serving a diverse client base that includes individuals, institutions, and municipal entities. The firm offers financial planning and consulting services through various advisory programs, utilizing multiple portfolio management styles and affiliated research resources.

Jane Rojas is a financial advisor at Morgan Stanley with 42 years of industry experience. She has held roles with Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank, National Association since 2015. Rojas serves as president of the Tucson Professional Chapter of the Association of Latino Professionals in Finance and Accounting and is a member of the InvestmentNews Diversity Advisory Board. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning and utilizing firm-approved tools and methodologies to model outcomes.

Michaelle Martinez is a financial advisor with Morgan Stanley in Tucson, AZ, holding Series 63 and Series 66 designations and bringing 32 years of industry experience. She has worked with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market modeling to support its financial planning services.

Jose Suastez is a financial advisor at J.P. Morgan Securities with a Series 66 designation and three years of industry experience. His prior roles include positions at Bank of America, Merrill, Voya Financial, and Wells Fargo. Outside of finance, he owns an art design business specializing in artistic paint and dye work on men's shoes. 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 through a select group of Wealth Advisors. The firm delivers recommendations on a non-discretionary basis and combines large institutional advisory operations with broker-dealer and investment adviser registrations.

Lavande Verhaart is a financial advisor with Merrill and holds the Series 66 designation. Based in Tucson, AZ, they have one year of industry experience, including roles at Bank of America and Merrill. Prior to entering the financial industry, Verhaart worked in retail and completed education at ROC van Amsterdam College. 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, institutions, and nonprofit organizations.

Anthony Loscalzo is a Series 66-registered financial advisor with Morgan Stanley in Tucson, AZ, bringing three years of industry experience. His background includes roles at Morgan Stanley Private Bank and Walt Disney Parks and Resorts, as well as work in the hospitality sector with The Hotel Congress and The Ritz-Carlton Hotel Company. Morgan Stanley Wealth Management provides 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 offers services both directly and through employer-sponsored financial planning agreements.

Brian Dubyk is a financial advisor at Wells Fargo Advisors with 16 years of industry experience. He holds Series 63 and Series 66 credentials. His prior experience includes roles at Raymond James & Associates and Wells Fargo Clearing, as well as a position at the University of New Mexico. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and investment solutions, utilizing proprietary research and planning tools to develop tailored recommendations for its clients.

Matthew Apostolik serves as Senior Resident Director and Wealth Management Advisor at Merrill, where he has worked since 1996. He leads the Tucson Merrill office and is a senior partner with SAS Wealth Management. Matthew supports individual clients in articulating their financial objectives and developing investment and wealth management strategies centered on their goals. Additionally, he assists institutional clients through 401(k) education and enrollment meetings. Matthew earned dual bachelor's degrees in finance and business economics from the University of Arizona. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Certified Exit Planning Advisor (CEPA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is a member of the Investments and Wealth Institute, the CFP Board of Standards, and the Financial Planning Association. Residing in Tucson with his wife Carmen, Matthew and his family enjoy outdoor activities such as hiking, skiing, fly-fishing, rock climbing, tennis, biking, camping, fishing, golfing, hunting, photography, and canyoneering. They also participate in community service efforts, including volunteering at the Community Food Bank of Southern Arizona.

Sheila Quattlander is a financial advisor with Ameriprise in Tucson, AZ, holding a Series 66 designation and bringing 16 years of industry experience. She previously worked at Securities America Advisors and Ameriprise Financial Services Inc before joining Ameriprise in 2020. Outside of her advisory role, she owns a home bakery business and participates in independent retail sales. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service providing written recommendation reports and ongoing planning advice focused on retirement income sources, tax-aware withdrawal strategies, and Social Security options.

Adrian Arvayo is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds the Series 66 designation and has worked at J.P. Morgan Securities since 2018, following seven years at Chase Bank. 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 institutional advisory operations with brokerage, distribution, and investment management capabilities.

James Godwin is a financial advisor with OSAIC in Tucson, AZ, holding a Series 66 designation and 24 years of industry experience. He has been with OSAIC since 2003. Outside of his advisory role, he is involved in tax preparation services through Pinnacle Taxx. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services using advanced asset-allocation tools and offers access to a wide range of investment products and third-party managed account solutions.

Jeffry La Beff is a financial advisor with Raymond James & Associates in Tucson, AZ, holding a Series 66 license and 18 years of industry experience. He spent 18 years at Edward Jones before joining Raymond James in 2025. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional and pension plans, and charitable organizations, offering financial planning and consulting through a range of portfolio management styles and research resources.

Lyle Deo is a financial advisor with Cetera and holds the ChFC® designation and Series 63 license. He has 48 years of industry experience and has worked with Cetera since 2022, also serving as managing partner at DKGB Financial since 2016. Outside of advising, he is involved in selling fixed insurance and life settlements. Cetera Investment Advisers LLC serves a broad client base including individual investors, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform with various discretionary and non-discretionary portfolio management options and access to third-party money managers.

Wayne Griffith is a financial advisor with Morgan Stanley in Tucson, Arizona, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets since 2009. Griffith also serves as a trustee involved in investment decisions. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and investment models to support its advisory offerings.