Ashley Kovich is a financial advisor at Merrill in Reno, NV, with seven years of industry experience. She holds a Series 66 designation and has worked at Merrill and Bank of America since 2014. Prior to that, she was associated with My Biz Team LLC for one year. 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 and profit-sharing plans, corporations, and charitable organizations.

Edgar Manjarrez is a financial advisor with J.P. Morgan Securities, holding a Series 66 credential and six years of industry experience. His prior roles include positions at Bank of America Corporation, Merrill, and Morgan Stanley. Outside of finance, he was involved with the Boys & Girls Club of Truckee Meadows for five years. J.P. Morgan Securities LLC 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 combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Patricia Dunham is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 31 years of industry experience. She has been with Cetera Advisors LLC since 2013 and with Cetera since 2024. Dunham serves as a director for Soroptimist International of Truckee Meadows, a local service club. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving a diverse client base including individuals, retirement plans, corporations, charities, and institutions. The firm offers a range of portfolio management and financial planning services through various program platforms and third-party managers.

David Justman is a financial advisor with Wells Fargo Clearing Services, LLC, holding Series 63 and 65 licenses and bringing 50 years of industry experience. He previously worked at UBS Financial Services for ten years. Outside of his advisory role, he serves as an advisor for the Donovan & Bank Foundation, which provides counseling and mentorship for veterans. 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 through a large network of financial advisors and combines research-driven investment evaluation with a broad range of financial products.

Angel Sandoval is a financial advisor with Morgan Stanley in Reno, NV, holding Series 63 and Series 65 licenses and possessing 23 years of industry experience. He has been with Morgan Stanley Smith Barney since 2010. Morgan Stanley Wealth Management is an SEC-registered advisory and broker-dealer firm managing approximately $2.74 trillion in client assets. It provides a variety of advisory programs to individuals and institutions, emphasizing structured financial planning supported by firm-approved tools and investment research.

Brianna Lundy is a financial advisor with UBS Financial Services in Reno, NV, holding Series 65 and Series 63 licenses and six years of industry experience. Her prior roles include positions at Merrill and Cornerstone Retirement Group, Inc. She also has experience outside finance, having worked with SixFour Growlers. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment plans.

Kenneth Lutz Jr. is a Senior Financial Advisor at Merrill Lynch Wealth Management. Since joining Merrill in 2014, he has focused on implementing a planning-based approach that prioritizes clients' personal and financial concerns. He works to help clients and their families feel confident about financial decisions and aims to educate them on contributing to long-term financial success. Ken began his financial services career in 2010 at Bank of America, where he advanced into management positions. He has expertise in identifying opportunities in business, residential, and securities-based lending and serves as a liaison to Bank of America specialists, including trust professionals and business bankers. His client focus areas include college education planning, family wealth management strategies, employee financial health, retirement planning, tax minimization, and managing new wealth. Ken holds a Bachelor's degree in Business Management and an MBA from the University of Phoenix. He also earned the Chartered Retirement Planning Counselor (CRPC) designation. He resides in Reno, Nevada with his wife, Christina, and enjoys hiking, lifting weights, and playing golf.

Stacy Muirhead is a financial advisor with Morgan Stanley in Reno, NV, holding Series 63 and Series 66 licenses and 29 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment committee inputs as part of its advisory process.

Norman Sarafian is a financial advisor at RBC Capital Markets with 52 years of industry experience. He holds Series 63 and Series 66 credentials. His prior work includes City National Bank since 2018, alongside his ongoing tenure at RBC Capital Markets beginning in 2009. Outside of his advisory role, he serves on the Board of Directors for the Pasadena City College Educational Foundation and assists in providing information for a biography of his father. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse clientele including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers tailored portfolio management and advisory services through various programs, leveraging both in-house and third-party investment managers and emphasizing customizable strategies based on client risk profiles.

Jared Marchegger is a Series 66-credentialed financial advisor with Morgan Stanley, based in Reno, NV. He has one year of industry experience, including prior roles at Alliance Trust Company of Nevada and involvement in the automotive sector through Capitol Automotive. Outside of finance, he has worked in automotive and transportation services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Prudence Dowling is a financial advisor with Edward Jones in Reno, NV, holding a Series 66 designation and 3 years of industry experience. She has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory services including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Daniel Woods is a Senior Vice President and Wealth Management Advisor at Merrill Lynch Wealth Management. He has been a financial advisor since 1988, beginning his career at Prudential, and later serving in management at A.G. Edwards for eleven years, where he led an integrated approach focused on growth, preservation, and protection of client wealth. Daniel is also a qualified Portfolio Advisor and holds the Personal Investment Advisor (PIA) designation. Throughout his career, Daniel has helped clients navigate various market conditions by emphasizing process, discipline, and clear communication regarding their investments. His experience allows him to assist clients at all stages, including wealth accumulation, distribution, and legacy planning, through customized financial strategies. Outside of his professional work, Daniel enjoys spending time with his wife Tracey and their three adult children. His personal interests include fitness activities such as CrossFit, pickleball, golf, skiing, and mountain biking, along with reading. He earned his high school diploma from Canyon High School.

Daniel Bowler is a financial advisor with LPL Financial in Carson City, NV, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He worked at Raymond James Financial and Raymond James Financial Services for 25 years prior to joining LPL Financial in 2025. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, retirement advice, and institutional platforms, with advisors implementing a range of strategic and tactical investment approaches.

David Bogart is a financial advisor at Wells Fargo Clearing with 38 years of industry experience. He holds the Series 63 and Series 65 designations and has worked with Wells Fargo firms since 2011. Outside of his advisory role, he has ownership interests in hospitality businesses, including a restaurant and bar in Reno, NV. 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 advice grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related investment options.

Suzanne Jones is a financial advisor at Wells Fargo Clearing with a Series 66 designation and three years of industry experience. She has been with Wells Fargo Clearing since 2014. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Randy Malm is a financial advisor with LPL Financial in Reno, NV, holding a Series 66 designation and 17 years of industry experience. His career includes roles at Wells Fargo Clearing, Wells Fargo Advisors, and Edward Jones. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a variety of financial planning and investment management solutions, utilizing both proprietary and third-party strategies across discretionary and non-discretionary accounts.

Laurie Edwards is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Ryan Weberg is a financial advisor with Edward Jones in Reno, NV, holding Series 63 and Series 65 licenses and eight years of industry experience. His previous roles include positions at JP Morgan Chase Bank NA, JP Morgan Securities LLC, Morgan Stanley, and PFS Investments Inc. He also worked briefly in talent agency and retail sectors. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment products, supported by a large national network of financial advisors and branch offices.

Michael Ashton is a Series 66-registered financial advisor at Edward Jones with three years of industry experience. Prior to joining Edward Jones in 2022, he worked for the Douglas County Professional Education Association and spent 20 years with the Douglas County School District. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

John Caverhill is a financial advisor with Wells Fargo Clearing in Reno, NV, holding a Series 63 designation and bringing 43 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and 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.