Kristen Tricarico is a financial advisor at OSAIC with 11 years of industry experience. She holds Series 63 and Series 65 designations. Her prior roles include positions at Triad Advisors, LLC and Raymond James Financial Services, Inc. Outside of her advisory career, she was involved with Cigar City Crossfit from 2021 to 2024. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm uses a model-based investment process focused on asset allocation and portfolio optimization, offering a range of brokerage and advisory services through a large multi-advisor platform.

Joseph Koenig is a financial advisor with OSAIC, holding a Series 66 designation and 26 years of industry experience. He previously worked at Lincoln Financial Advisors and Lincoln Financial Securities Corporation for 25 years. Outside of his advisory role, Koenig owns Information Forge LLC, a publishing company focused on web and traditional book publishing as well as custom product merchandising. OSAIC serves a diverse client base including retail and institutional investors, offering a range of brokerage and advisory services such as comprehensive financial planning and retirement plan consulting. The firm’s investment approach centers on model-based asset allocation, portfolio optimization, and the use of discretionary strategies supported by proprietary models and third-party managers.

Joseph Jaros Jr. is a Series 66-credentialed financial advisor at OSAIC with eight years of industry experience. Prior to joining OSAIC in 2024, he worked at Securities America, Inc. for seven years and has been an independent contractor rideshare driver for Uber since 2018. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach relies on model-based asset allocation and portfolio optimization, supported by various tools and multiple program options including Unified Managed Accounts and third-party money manager strategies.

Emily Fiabane is a financial advisor at OSAIC with 12 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Royal Alliance Associates, FIS Global, AXA Equitable, and Capital Client Group. There are no additional outside activities noted. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by a variety of managed account programs and third-party manager options.

Teresa Fukumoto Beebe is a financial advisor at Edward Jones in Scottsdale, AZ, holding a Series 66 credential with 14 years of experience at the firm. She has been with Edward Jones since 2012. 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 supported by a nationwide network of more than 23,700 advisors.

Susan Roberts is a Series 66-credentialed financial advisor with six years of industry experience. She currently works at Osaic Wealth Inc and has prior experience at firms including NEXT Financial, Securities America, and Bank of the West. OSAIC serves a wide range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment process focuses on model-based asset allocation and portfolio optimization, supporting various discretionary and third-party strategies.

Matthew Hanna is a CFP® professional with 21 years of industry experience, currently serving as a financial advisor at Ameriprise since 2018. He previously worked at Invesco Advisers, Inc. and Invesco Distributors, Inc. from 2010 to 2018. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides retirement planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Anthony Patino is a financial advisor at OSAIC with eight years of industry experience. He holds the Series 66 designation and worked previously with Securities America Advisors and its affiliated entities from 2016 to 2024. Patino is based in Scottsdale, Arizona. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services including financial planning, advisor-managed portfolios, and retirement plan consulting. The firm’s investment approach emphasizes model-based asset allocation, portfolio optimization, and a range of customizable strategies supported by advanced tools and multiple custodial arrangements.

Timothy Street is a financial advisor with J.P. Morgan Securities in Scottsdale, AZ, holding Series 63, Series 65, and Series 66 credentials and 15 years of industry experience. He has worked at JP Morgan Chase Bank since 2019 and previously at JP Morgan Securities, LLC, and Tandem Wealth Advisors. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process includes centralized due diligence and uses quantitative and qualitative research to build model asset allocations that may incorporate ESG criteria.

Kevin Deluca is a financial advisor at Charles Schwab with nine years of industry experience. He holds a Series 66 designation and has been with Charles Schwab & Co., Inc. since 2016, including a role at Charles Schwab Bank, SSB since 2021. Outside of his advisory work, he serves as the Treasurer for The Phoenix Iowa Club, a volunteer position involving financial reporting and fund management. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separate managed accounts and offers a broad range of investment guidance through multi-asset model portfolios and alternative investment programs.

Christie Jones Popour is a CFP®-designated financial advisor with 24 years of industry experience, currently with Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Investments, LLC from 2003 to 2011. Outside of finance, she is involved in a modeling and acting agency based in Scottsdale, NV. 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 employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

Crystal Barcello is a financial advisor with Edward Jones in Anthem, AZ, holding Series 63 and Series 65 credentials and 24 years of industry experience. She previously worked at Stifel Nicolaus & Co Inc for seven years before joining Edward Jones in 2020. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, access to separately managed accounts, and affiliated mutual funds.

Shelley Sedor is a financial advisor at Wells Fargo Clearing with 41 years of industry experience. She holds a Series 63 designation and has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Donovan Zimmerman is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He previously worked at Concourse Financial Group Securities Inc for 19 years before joining Cetera in 2025. Outside of advisory work, he serves as an elder at Sunnyslope Mennonite Church, providing leadership and spiritual guidance. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to affiliated and third-party investment strategies.

Jennifer Hersh serves as a Senior Financial Advisor at Merrill Lynch Wealth Management, where she has contributed since 2007. With a career beginning in 1999, Jennifer has developed specialized expertise in income planning and retirement strategies, focusing on comprehensive financial guidance for business owners, corporate executives, and multigenerational families. Her approach emphasizes collaboration, continuity, and thoughtful planning aligned with each client's long-term objectives. Jennifer holds a Bachelor's degree from Arizona State University and professional designations including Certified Divorce Financial Analyst (CDFA), Chartered Retirement Planning Counselor (CRPC), and Certified Plan Fiduciary Advisor (CPFA). She works with diverse client needs such as retirement income, legacy planning, socially responsible investing, and wealth management strategies for women, LGBT clients, and small businesses. Outside her professional commitments, Jennifer is involved in community organizations including the Valley of the Sun United Way, Women's Leadership Council, National Charity League, and serves on the board of Hunkapi Programs, a nonprofit providing equine-assisted therapy. She enjoys horseback riding, spending time with her family, tennis, and traveling.

Roger Beguiristain is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute and third-party databases.

Joe Carter is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and eight years of industry experience. He has worked at Merrill and Bank of America, N.A., and has been with J.P. Morgan Securities and JP Morgan Chase Bank since 2021. Outside of finance, he is an owner and partner of Sweet Wheels LLC, a restaurant business specializing in ice cream. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory program offers non-discretionary, written asset allocation advice and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Michael Palmer is a financial advisor at Wells Fargo Clearing with 44 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2020, following six years at Ameriprise Financial Services, Inc. located in Scottsdale, AZ. 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 notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Eric Brown is a financial advisor at OSAIC with Series 65 and Series 66 licenses and five years of industry experience. His prior roles include positions at Securities America, Inc., Prostatis Group LLC, and McPherson Financial Group. Outside of his advisory work, he volunteers on the fundraising committee for Unique Foundations, Inc., a nonprofit organization. OSAIC Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm's investment approach focuses on model-based asset allocation and portfolio optimization, supported by various tools and strategies tailored to client risk tolerance and preferences.

Tom Mc Dermott is a financial advisor at OSAIC with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Securities America Inc. and Mutual of Omaha. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services through a multi-advisor platform, utilizing model-based asset allocation and portfolio optimization supported by various independent and proprietary investment strategies.