Nicholas Ramirez is a Financial Advisor with Merrill Lynch Wealth Management. He partners with business owners, physicians, successful professionals, and families to create personalized financial strategies. His work focuses on areas such as family wealth management, retirement planning, legacy planning, liquidity management, and tax minimization. Through Merrill and the banking capabilities of Bank of America, Nicholas provides clients with access to comprehensive resources to address both personal and business planning needs. Nicholas emphasizes understanding each client's unique story to tailor financial plans that align with their goals and values. His approach centers on building trust and maintaining transparent, candid conversations to support informed decision-making. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Saint Leo University. Nicholas is a member of the Association of Latino Professionals for America and the Las Cruces Chamber of Commerce. In addition to his professional work, Nicholas participates in community education workshops. He is fluent in English and Spanish. His personal interests include camping, cooking, football, gardening, hiking, pickleball, rock climbing, and spending time with his family.

Kenneth Fanning is a financial advisor with Cetera who holds a Series 66 credential and has 22 years of industry experience. He has been with Cetera Wealth Services since 2013 and currently works at Cetera. Outside of advising, he is involved in sales and service of fixed life insurance and operates Fanning Financial LLC, a financial services business. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform that includes access to affiliated and third-party managers and various program structures.

Antavius Greathouse is a financial advisor with LPL Financial, holding a Series 66 designation and 12 years of industry experience. Prior to joining LPL Financial in 2022, he worked at Voya Financial Advisors, Inc., Albuquerque Public Schools, and Morgan Stanley. He serves on the board of the New Mexico Black Leadership Council. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting, utilizing research from LPL Research and third-party subadvisors across diversified and alternative strategies.

Dustin Soflin is a financial advisor with Mass Mutual Investors Services in Albuquerque, NM, holding Series 65 and Series 63 licenses with nine years of industry experience. He has been with MML Investors Services, LLC and Mass Mutual Life Insurance Company since 2016. Outside of his advisory role, he serves as Secretary for the Albuquerque Youth Symphony Program. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser affiliated with MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, ongoing financial planning engagements using firm-approved software to analyze client goals and offers specialized services such as Divorce Planning and employer-sponsored planning programs.

Anthony Allbright is a financial advisor at LPL Financial with over 32 years of industry experience. He holds CFP® and ChFC® designations and has previously worked at firms including Nusenda Credit Union, CUSO Financial Services, Ameriprise Financial Services, and BOK Financial Securities. He serves on the board of St. Mary's Episcopal Church in Albuquerque, NM. 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 of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and access to research and model portfolios from LPL Research and third-party subadvisors.

Cathan Wilkins is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds the Series 66 designation and has prior experience at Bank of America, Merrill, and JPMorgan Chase Bank. Before entering finance, he worked briefly at Chick-fil-A and the United States Postal Service. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its recommendations.

Richard Pellegrino is a Financial Consultant currently working at Fidelity Investments since 2015. He has a client-centric approach to financial planning, focusing on understanding the priorities of his clients and their families to empower them in making informed decisions. His process is organized and straightforward, aiming to develop strategies tailored to individual situations. Prior to his current role, Richard worked as a Financial Advisor at Merrill Lynch from 2009 to 2015 and as an Investment Banker at Blinder Robinson & Company in 1990.

Rosanna Lucero Torrez is a Wealth Management Advisor with Merrill Lynch Wealth Management. She works closely with high-net-worth individuals, families, and businesses to develop personalized financial strategies aimed at meeting both short- and long-term goals. Her client focus areas include college education planning, family wealth management strategies, legacy planning, retirement income, and investment consulting for defined contribution plans. Rosanna emphasizes a one-on-one approach to create flexible strategies that adapt to changing market conditions. Rosanna holds a Bachelor's Degree from the University of New Mexico and has earned multiple professional designations, including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is committed to community involvement and volunteers with local organizations, reflecting the Merrill tradition of service. Outside of her professional work, Rosanna enjoys cooking, gardening, golfing, hiking, music, spending time with her family, and traveling.

Carol Sarracino is a financial advisor with LPL Financial in Albuquerque, NM, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has worked at LPL Financial since 2021 and has been president of Worth Financial Planning since 2009. She also has a long history of involvement with various insurance carriers for W&R Insurance Agencies dating back to 1996. 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 advisory programs, financial planning, and retirement plan consulting with access to model portfolios and research from multiple sources.

Nathan Anderson is a financial advisor at RBC Capital Markets with 13 years of industry experience. He holds a Series 66 designation and previously worked for eight years at U.S. Bancorp Investments, Inc. before joining RBC in 2024. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various wrap fee advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, supporting discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services.

Quentin Heffron is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broad investment menu that includes insurance-related vehicles and bank deposit sweep options.

Katherine Woods is a financial advisor at Morgan Stanley with 28 years of industry experience. She has been with Morgan Stanley since 2014 and holds Series 63 and Series 65 licenses. Outside of her advisory role, she is involved with Blue Sky Dental in Albuquerque, New Mexico, where she contributes to accounting and bookkeeping. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers a broad range of investment and financial planning services.

Kenneth Johnston is a financial advisor with Ameriprise, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has been with Ameriprise and its affiliated entities since 2010. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver written, non-discretionary recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Desiree Lujan is a financial advisor at Raymond James & Associates with 11 years of industry experience. She has previously worked at Vanguard Advisers and Walmart. She holds Series 63 and Series 66 licenses. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering financial planning and non-discretionary investment consulting supported by a nationwide network of advisers.

Kelley Tredwin is a financial advisor with LPL Financial in Albuquerque, NM, holding a Series 66 designation and four years of industry experience. Prior to joining LPL Financial and Altalune Wealth Advisors in 2021, Kelley worked at Edward Jones for eight years. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by model portfolios and third-party research.

Alfredo Bocanegra is a Financial Advisor with Merrill Lynch Wealth Management, dedicated to providing personalized financial strategies tailored to the unique needs of individuals and families. He works closely with clients to develop plans that address a range of goals, including college and education planning, retirement income, family wealth management, and supporting women in wealth management. With expertise in navigating complex financial decisions and adapting strategies to changing market conditions, Alfredo emphasizes a deep understanding of each client’s full financial picture. He holds the Personal Investment Advisor (PIA) designation and completed his high school education at Austin High School. Alfredo is bilingual, fluent in both English and Spanish. Outside of his professional role, Alfredo has personal interests in cooking, photography, soccer, and tennis. His approach centers on uncovering what matters most to clients and creating strategies to help them pursue their financial goals with confidence.

Tylen Kattenhorn is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with RBC Capital Markets since 2009. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs tailored to clients’ risk profiles and employs a combination of in-house and third-party investment managers alongside various portfolio management features.

Jason Penn is a financial advisor with UBS Financial Services in Albuquerque, NM. He holds a Series 66 designation and has five years of industry experience. Prior to joining UBS in 2019, he worked at Symmetry Financial Group and has operated a small gemstone-cutting business, Jason Penn Designs, for over 30 years, participating in trade shows and selling to wholesalers. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management through proprietary research and tailored asset allocation strategies.

Christopher Enright is a CFP® with 14 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors, LLC from 2011 to 2016. He serves as a trustee for family trusts related to a ranch in Placitas, NM. 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 advisory process is IPS-driven, incorporates modern portfolio theory, and includes a broader set of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Samantha Romero is a Financial Consultant I currently working at Fidelity Investments. In her role, she partners with clients to develop, review, and maintain their financial plans, aiming to support them in working towards their life goals. She has experience in financial planning and participant services, having served as a Planning Consultant at Fidelity Investments since 2022 and previously as Manager of Participant Services from 2013 to 2022. A New Mexico native, Samantha has a particular interest in financial education and planning.