David Lewark is a financial advisor at OSAIC with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Lincoln Financial Advisors Corporation and Edward Jones. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and advisory services with access to various investment solutions, utilizing asset-allocation tools, risk-tolerance assessments, and third-party managed-account programs.

Elaine O'Neil is a financial advisor at Fidelity with Series 63 and Series 66 credentials and eight years of industry experience. Her prior work includes roles at Wells Fargo Clearing and Wells Fargo Bank, NA. She currently works with Strategic Advisers LLC, a Fidelity Investments company. Strategic Advisers provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm utilizes a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios across mutual funds, ETFs, and ETPs.

Mikayla Lemon is a financial advisor at Fidelity with eight years of industry experience. She holds Series 63 and Series 66 credentials. Prior to joining Fidelity, she worked at The Vanguard Group, Inc. for seven years. Outside of finance, Mikayla is involved in entrepreneurial ventures including an apothecary business where she creates herbal products. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Brett Woods is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has served since 2009. He has been in the financial services industry since 2004, providing personalized wealth management strategies tailored to clients' individual financial goals. Brett specializes in areas such as college education planning, investment consulting for defined contribution plans, personal retirement planning, portfolio management services, and retirement income. Brett holds a Bachelor's Degree from Idaho State University, where he attended on a golf scholarship. He has earned the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification and the Chartered Retirement Planning Counselor™ (CRPC™) designation, as well as the Personal Investment Advisor (PIA) credential. Born and raised in Laurel, Montana, Brett relocated to Arizona in 2004 to begin his career in financial services. In addition to his professional work, Brett is engaged in community service and volunteers with local organizations, reflecting his commitment to the communities he serves. His personal interests include basketball, football, golfing, hiking, running, and traveling.

Steven Berryman is a financial advisor at Ameriprise with nine years of industry experience. Prior to joining Ameriprise in 2024, he worked at The Vanguard Group for eight years and has a Series 63 designation. Outside of finance, he has been involved with Windmill Roasters since 2021. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service, providing detailed retirement planning and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Dat Pham is a financial advisor at Fidelity with five years of industry experience. He holds a Series 66 designation and has worked at Fidelity Investments since 2021. Prior to that, he was employed at Wells Fargo Bank and Wells Fargo Clearing. Outside of his advisory role, he works as an independent contractor driving for Uber. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, offering model portfolios built from mutual funds, ETFs, and ETPs.

Jason Edwards is a financial advisor with Fidelity, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Thrivent Financial, Fidelity Brokerage Services LLC, and Public Square LLC. Fidelity’s Strategic Advisers LLC, where he is affiliated, provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, delegation to sub-advisers, and advisory roles to multiple registered investment companies.

Timothy Divito is a financial advisor with Raymond James Financial in Goodyear, Arizona, holding a Series 66 designation and 15 years of industry experience. He has worked at Raymond James Financial Services Advisors, Inc. since 2017 and previously at Edward Jones from 2011 to 2017. Outside of his advisory role, he is an officer and CEO of Providence Financial Services and a part owner of TLT Partners LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, institutions, and nonprofit organizations. The firm offers tailored, non-discretionary planning and consulting supported by analytical modeling and maintains specialized services such as municipal finance advisory and SIMPLE IRA employer consulting programs.

Raul Enriquez is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. His work history includes roles at Wells Fargo Bank NA and Wells Fargo Clearing Services LLC prior to joining Fidelity. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and delivery of model portfolios. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as a registered commodity pool operator with a formal advisory role to multiple registered investment companies.

Garrett Smith is a Series 66-licensed financial advisor with Ameriprise in Tucson, AZ, and has 13 years of industry experience. He has been with Ameriprise and its affiliates since 2015. Outside of his advisory role, he serves on multiple nonprofit boards, including CEDO, BBB, and Interfaith Community Services. Ameriprise offers retirement-income planning services focused on clients approaching or in retirement, utilizing a combination of research, modeling, and tax-efficiency analysis to provide tailored recommendations primarily for individuals with significant investable assets. The firm delivers a wide range of advisory, brokerage, and insurance solutions through its large institutional platform.

Chad Bettelon is a financial advisor with Merrill in Peoria, AZ, holding a Series 66 designation and having 13 years of industry experience. He has been with Merrill since 2003. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Steven Hecht is a financial advisor with Primerica Advisors in Goodyear, AZ, holding a Series 63 designation and 42 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1984. Outside of his advisory role, he serves as an umpire for the Arizona Interscholastic Association. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and offices, delivering advisory services through model-based strategies managed by third parties and supported by BNY Mellon Advisors and Pershing for trade execution and custody.

Brandi Palomo is a financial advisor at Mass Mutual Investors Services with seven years of industry experience. She holds Series 65 and Series 63 licenses and has been with Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company since 2016. Outside of her advisory work, she owns Ember Sky Publishing, a company used to self-publish fiction novels. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements and various investment programs, including wrap and money-manager offerings.

Monica Joffre is a financial advisor at Fidelity with 34 years of industry experience. She holds Series 63 and Series 66 designations. Her prior work includes roles at USAA Investment Services Company, Morgan Stanley, LPL Financial, and Charles Schwab. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm employs a systematic investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction, supporting services such as discretionary portfolio management and fund advisory.

Nicholas Fieldson is a financial advisor at LPL Financial with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has been with LPL Financial since 2010. Outside of his advisory work, he is also active as a musician. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment services, including model portfolios and third-party asset management, supported by a large network of advisors and extensive operational tools.

Micah Davidson is a financial advisor at Thrivent Investment Management with credentials including Series 63 and Series 65 licenses. He began his advisory career in 2025, with prior experience at Trinity Wealth Securities, LLC and Florida Financial Advisors DBA Four Corners Financial Advisors. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering one-time or ongoing planning engagements that cover a broad range of financial topics without implementing recommendations directly. The firm combines holistic, goal-based analyses with a managed-account program under a consolidated billing option called “WealthPlan,” while maintaining separation between planning and portfolio management services.

Christopher Armenta is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds the Series 66 designation and has previously worked at USAA Investment Services Company and USAA Life Insurance Company. Outside of his advisory role, he is involved with the Church of God for the Nations in Phoenix, where he participates as a worship team member providing musical support. J.P. Morgan Securities LLC offers institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering 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.

David Bown is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Woodbury Financial Services, Questar Asset Management, and Mass Mutual Investors Services. Outside of his advisory role, he owns a sole proprietorship that produces a Christian radio show focused on Bible lessons, personal empowerment, and success strategies. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services with a range of portfolio management options and access to multiple third-party money managers.

Camille Rosen is a CFP® with seven years of industry experience, currently serving as a financial advisor at Fidelity in Glendale, AZ. Her career includes prior roles at Charles Schwab and Nordstrom, with a consistent focus on investment advisory services. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base that includes retail and institutional investors, offering discretionary and non-discretionary portfolio management alongside model portfolio construction using proprietary research and quantitative methods.

Evelyn Quintanar is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. She previously worked at Edward Jones and Bank of America, where she had a 19-year tenure. Outside of her advisory role, Evelyn serves as a Member at Large for the Centennial Packbackers, a booster club supporting student and parent participation in local football programs through fundraising and volunteer efforts. Merrill, along 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, and institutions.