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.

Linda Martino is a financial advisor with Primerica Advisors in Tucson, AZ, holding Series 63 and Series 65 credentials and 24 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2001. In addition to her advisory role, she participates in the sale of non-investment products such as home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management via its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap fee structure, focusing on retail rather than institutional portfolio management.

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.

Sandra Thompkins is a financial advisor with LPL Financial in Tucson, AZ, holding Series 63 and Series 66 credentials and over 40 years of industry experience. She previously worked at CUSO Financial Services, LP and Tucson Federal Credit Union, and has had two separate tenures with LPL Financial. 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, offering a range of advisory programs, retirement plan consulting, and brokerage services.

Joanna Westcott is a financial advisor with LPL Financial in Tucson, AZ, holding a Series 66 designation and 22 years of industry experience. She has been with LPL Financial since 2003. Outside of her advisory role, she is involved with Event Driven Media Partners, a media and public relations LLC, and serves as an insurance agent for Senior Healthcare Partnerships, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning services, and both discretionary and non-discretionary portfolio management supported by LPL Research and third-party subadvisors.

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.

Thomas Taylor is a financial advisor with Wells Fargo Advisors in Tucson, AZ, holding Series 63 and Series 65 credentials and 13 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Wells Fargo Clearing, among other Wells Fargo affiliates. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, utilizing Wells Fargo research and planning tools to develop tailored recommendations for clients who meet specific net-worth thresholds.

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.

Martin Beard is a financial advisor with LPL Financial based in Tucson, AZ, holding the CFP® and ChFC® designations and having 25 years of industry experience. He has worked with firms including H.D. Vest Advisory Services and Jackson Hewitt Tax Services. Outside of advisory roles, Beard is involved in tax preparation services and works as a ride-share driver with companies such as Uber and Lyft. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, financial institutions, and charitable organizations. The firm offers various advisory programs, retirement plan consulting, and brokerage services supported by research and technology-driven portfolio management.

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.

Jeanette De Bray is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 17 years of industry experience. She has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment management and advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

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.

Linda Fulgenzi is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. She previously worked at Merrill for nine years before joining Raymond James, where she has been since 2008. Fulgenzi serves as a committee member on the Tucson Botanical Gardens Endowment Investment Committee. Raymond James & Associates is a dually registered broker-dealer and investment adviser with around $501 billion in assets under management. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and investment consulting through various advisory programs and drawing on multiple portfolio management styles and affiliated research.

Jessica Hayes is a financial advisor with Wells Fargo Clearing in Tucson, AZ, holding Series 66 and Series 63 licenses with four years of advisory experience. She has been affiliated with Wells Fargo Bank, N.A. since 2006. 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 provides both brokerage and advisory solutions.