John Paul Kauinana is a financial advisor with LPL Financial in Reno, NV, holding Series 63 and Series 66 credentials and 24 years of industry experience. Prior to joining LPL Financial in 2021, he worked for Waddell & Reed, Inc and various insurance carriers affiliated with W&R Insurance Agencies, Inc from 2009 to 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management alongside model portfolios and research.

Bill Harkey is currently employed as a Planning Consultant at Fidelity Investments, a position he has held since 2021. Prior to this role, he worked as a Relationship Manager at Fidelity Investment from 2019 to 2021 and as a Financial Advisor at Edward Jones from 2017 to 2019. He holds a California Insurance License. Bill focuses on developing long-lasting relationships with clients to understand what is important to them and to assist them in working toward their financial goals. His experience spans client relationship management and financial advising. Outside of his professional work, Bill has interests in baseball, concerts, golf, reading, theater, and traveling.

William Creekbaum is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 credentials and has 33 years of industry experience. He has been associated with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Creekbaum also owns multiple rental properties in various locations. Morgan Stanley Wealth Management provides a broad range of advisory services to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process utilizes structured discovery and advanced modeling tools, serving clients through both direct agreements and corporate partnerships.

Albert Cartlidge III is a financial advisor with Cetera, holding a Series 66 designation and 26 years of industry experience. He has worked with firms including Avantax Advisory Services and operates his own CPA firm, Cartlidge, Belnap & Helmers, LLC. Outside of financial advising, he serves as managing member of this CPA firm. Cetera Investment Advisers LLC is a nationwide SEC-registered advisor serving a diverse client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform that allows advisors to utilize affiliated and third-party model portfolios or create bespoke investment strategies across various program structures.

Joel McConnell is a financial advisor with Morgan Stanley in Reno, NV, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, McConnell serves on the Elko County Advisory Board to Manage Wildlife, a nonprofit organization focused on wildlife management. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s approach emphasizes structured discovery conversations and firm-approved planning tools without providing individual security recommendations as part of standalone planning.

Jennifer Rogers Markwell is a financial advisor at LPL Financial with 15 years of industry experience. She holds the Series 66 designation and has previously worked at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services LLC. Outside of her advisory role, she is the owner of Luxury in Love LLC, hosts the Platinum Talks Wealth Podcast, and contributes as a book author. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios from internal and third-party sources.

Rachel Eckard is a Series 66-licensed financial advisor with Edward Jones, where she has worked since 2019. She has eight years of industry experience, including prior roles at Morgan Stanley and Morgan Stanley Private Bank. Outside of finance, she is active as a fitness instructor, teaching yoga, spin, and Pilates classes at several local fitness centers. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated investment products.

Richard Reynolds is a financial advisor with Stifel in Reno, NV, holding a Series 63 designation and 36 years of industry experience. He has been with Stifel Nicolaus since 2013. Reynolds serves on the Advisory Board and Investment Committee of the Community Foundation of Northern Nevada and is a board member of The Susanne and Gloria Young Foundation, assisting with evaluation of grant requests. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment analysis methodology developed by its Investment Strategy Group.

Robert Hill is a Series 66-licensed financial advisor with RBC Capital Markets in Reno, NV, where he has worked since 2013. He has 12 years of industry experience. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with tailored investment strategies, combining in-house and third-party managers, and provides a range of portfolio management, financial planning, custody, and brokerage services.

Clifford Iubelt is a financial advisor at RBC Capital Markets with 14 years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, N.A. and Merrill Lynch, Pierce, Fenner & Smith Incorporated. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers a range of advisory programs featuring discretionary and non-discretionary portfolio management tailored to clients’ risk profiles, supported by in-house and third-party investment managers.

Marshal Barnes is a financial advisor with LPL Enterprise holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Wells Fargo Advisors, Bank of America, Merrill, Edward Jones, and AT&T. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers a range of services such as financial planning, access to model portfolio programs, third-party asset management, and brokerage and insurance products.

Hawley Maclean is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Cambridge since 2016 and serves on multiple boards, including the University of Nevada, Reno College of Science Advisory Council and the California State Railroad Museum Foundation. Maclean is also involved in several business ventures, including managing a travel agency and authoring an upcoming book. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing both proprietary and third-party investment strategies tailored to client objectives.

Herbert Nichols is a financial advisor with Merrill based in Reno, NV, holding Series 63 and Series 65 designations and 56 years of industry experience. He has been with Merrill since 1992 and concurrently with Bank of America, NA since 2009. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and other fiduciaries. The firm operates within Bank of America’s broader corporate platform, providing access to a wide array of products and services.

Shannon Hawthorne is a financial advisor at Morgan Stanley in Reno, NV, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, Shannon worked for Tahoe Mountain Sports and owns WanderDog Designs, a retail and online business. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and extensive resources.

Clarissa Engelbrecht is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 13 years of industry experience. She has worked within various Wells Fargo entities since 2007. Outside of her advisory role, she is involved in home support services in Sacramento, providing transportation, meal preparation, and light duties. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Angela Wright is a Series 66-licensed financial advisor at Morgan Stanley in Reno, NV, with nine years of industry experience. She has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and modeling techniques.

Rolandas Banys is a Financial Advisor with Merrill Lynch Wealth Management, bringing over a decade of experience in the financial industry. He works with affluent families, business owners, and nonprofits to simplify complex financial decisions and build strategies that support long-term success. His practice focuses on managing investments, retirement planning, tax minimization, managing new wealth, legacy and family wealth management strategies, as well as small business strategies and liquidity management. Rolandas holds professional designations including Accredited Wealth Management Advisor (AWMA), Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA). He earned both his Bachelor's Degree and Master of Business Administration from the University of Nevada - Reno. In his approach, Rolandas emphasizes creating disciplined, adaptable plans tailored to each client's goals, aligning resources with what matters most, and fostering confidence to maintain those plans over time. Beyond his professional role, he spends time volunteering with community organizations and enjoys interests such as basketball, football, golfing, reading, soccer, spending time with family, swimming, and traveling.

Kathryn Ragaisis is a financial advisor at Cambridge Investment Research Advisors with eight years of industry experience. Her prior work includes roles at Charles Schwab and Credit Suisse Securities. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers comprehensive financial planning and investment management services through a network of independent professionals, with investment strategies ranging from proprietary models to third-party manager referrals.

Andrew Pesha is a financial advisor at OSAIC with 31 years of industry experience. He holds the Series 63 and Series 65 designations and has worked previously with Woodbury Financial Services, Inc. and Questar Asset Management. Pesha is also a director of the Spartan Quarterback Club, a nonprofit supporting the San Jose State football program through fundraising. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charities through a large network of affiliated advisers. The firm offers a range of brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios across multiple investment vehicles.

Philip Randazzo is a financial advisor at Merrill with 10 years of industry experience. He holds the Series 66 designation and has worked with Merrill and Bank of America, N.A. since 2016. His prior roles include positions at JP Morgan Chase Bank, N.A., and JP Morgan Securities, LLC. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, and other fiduciaries. The firm integrates investment management with broader banking services, including lending and custody, and employs strategies that may include taxable, tax-aware, and related portfolio options.