Danielle Williams is a financial advisor at RFG Advisory, LLC with one year of industry experience. She holds a Series 66 designation and has worked with RFG Advisory and its dba Cambium Wealth Partners since 2025. Outside of her advisory role, she leads and assists with workshops focused on personal growth, community, fulfillment, and sustainable living, and provides coaching services supporting clients’ personal and professional development. RFG Advisory is a multi-team registered investment adviser with approximately 179 advisors managing about $8 billion for more than 17,000 clients. The firm serves individuals, high-net-worth households, trusts, retirement plans, and institutional accounts, employing a mix of actively managed and passive strategies with an emphasis on risk-managed portfolios and access to alternative investments.

Matthew McMahon is a CFP® and Series 65-licensed financial advisor with 12 years of industry experience. He has worked at Sowell Management Services since 2018 and previously at Four Peaks Wealth Management, LLC from 2015 to 2018. McMahon is also a licensed insurance agent since 2010. Sowell Management is a multi-team registered investment adviser serving individuals, retirement plans, corporations, and other RIAs. The firm offers discretionary and non-discretionary portfolio management and financial planning services through over 100 independent investment adviser representatives, employing multiple management styles and a variety of investment solutions.

Douglas Rader is a CFP® with 37 years of industry experience, currently serving at Geneos Wealth Management, Inc. since 2006. He also operates his own CPA firm, Doug Rader CPA PLLC. Rader is involved in community activities as the treasurer of Yavapai Silent Witness. Geneos Wealth Management serves a diverse client base including individuals, trusts, estates, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, investment advisory, and brokerage services, utilizing a range of analytic approaches and investment strategies from long-term buy-and-hold to tactical timing and options.

Joseph Lynch is a financial advisor with Sowell Management in Flagstaff, AZ, holding a Series 65 license and five years of industry experience. Prior to joining Sowell Management, he worked at Strategic Financial Planning, LLC, Vora Wealth Management, and the National Bank of Arizona. Outside of his advisory role, he is the president and owner of CMON6 Inc., a sales and data management business, and also works as a marketing specialist for Veregy, LLC, a construction company. Sowell Management is a multi-team registered investment adviser serving individuals, retirement plans, corporations, and other RIAs with discretionary and non-discretionary portfolio management, financial planning, and retirement-plan advisory services. The firm operates through an independent-contractor model with over 100 investment advisor representatives and employs multiple management styles including strategic and tactical allocation, individual equity selection, and customized portfolio designs.

Kenneth Nowland is a financial advisor at AE Wealth Management, LLC with seven years of industry experience. He holds a Series 65 credential and has worked at AE Wealth Management since 2019. Prior to that, he spent 13 years at United Financial Solutions, LLC. Outside of his advisory role, Nowland is the owner of Summit Retirement Services, where he is involved in insurance sales. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base, including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a platform-centered approach featuring model portfolio solutions, discretionary asset management, financial planning, and ERISA plan services.

Eric Bowdler is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at Independent Financial Group, LLC since 2019. His prior experience includes roles at United Planners' Financial Services and Rogers & Kirby. Bowdler owns Fulton Springs Financial, LLC, which he uses for marketing purposes, and provides client referrals and witness services for a local attorney’s office. Independent Financial Group, LLC offers investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, and institutional entities, utilizing a combination of firm- and third-party models to tailor investment strategies aligned with client risk profiles.

William Morrison Jr. is a ChFC® with 45 years of experience in the financial services industry. He is currently with Ameritas Advisory Services, LLC and has been associated with Ameritas Investment Corp. since 1997 and owns Benefit & Financial Strategies LLC, where he is licensed as an independent insurance agent selling fixed insurance products. Morrison also serves as managing partner of 510 N Humphreys LLC, a single-asset LLC that houses his insurance and investment operations. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to individual investors, retirement plans, charitable organizations, and corporate clients. The firm offers a variety of managed account programs and fee-based management of variable annuity and variable universal life subaccounts, supported by a network of Investment Adviser Representatives and multiple custodial platforms.

Corey Raths is a CFP® professional with 26 years of experience in the financial services industry. He is currently affiliated with Ameritas Advisory Services, LLC and has previously worked with Raymond James and Merrill. In addition to his advisory role, he serves as an assistant professor of finance at Northern Arizona University. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to a diverse client base, including individual investors, retirement plans, charitable organizations, and corporate clients, utilizing multiple managed account programs and third-party consulting support.

Tayton Bair is a financial advisor with Ameritas Advisory Services, LLC, holding a Series 66 designation and two years of industry experience. He has been affiliated with Ameritas Advisory Services and related entities since 2023 and is also involved with Benefit and Financial Strategies. Outside of advising, he has worked in roles connected to Flyrs and Fat Olives since 2021. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to individual investors, retirement plans, charitable organizations, and corporate clients. The firm offers a variety of managed account programs and fee-based management of variable annuity and life insurance subaccounts, supported by both discretionary and non-discretionary advisory relationships.

Michael Sherwood is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. He has been with Ameritas Investment Corp since 2003 and has operated Benefit & Financial Strategies since 2002. Outside of his advisory role, Sherwood is a licensed independent insurance agent and serves as a referring agent for a Christian cost-sharing health program. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to a diverse client base including individuals, retirement plans, charitable organizations, and corporate clients. The firm offers various managed account programs and fee-based management solutions, supported by an Investment Committee and third-party partners, with services delivered on discretionary and non-discretionary bases.

Derrick Jackson is a financial advisor with Kestra Advisory, holding a Series 66 designation and 22 years of industry experience. He previously worked at Edward Jones from 2008 to 2020 before joining Kestra Advisory in 2020. Jackson is also the managing advisor and sole investment representative of Ryleigh Wealth Management, where he operates as a business owner. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a wide range of institutional and individual clients, including plan sponsors. The firm offers services such as fiduciary consulting, plan design, compliance testing, and employee education, supporting its recommendations with thorough due diligence and serving clients that include very large institutional investors.

James Straight is a financial advisor with Ameritas Advisory Services, LLC and holds the Series 66 designation. He has 18 years of industry experience, including roles at Ameritas Investment Corp since 2008 and Benefit and Financial Strategies since 2010. He is also a licensed independent insurance agent authorized to sell fixed insurance products. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to individual investors, retirement plans, charitable organizations, and corporate clients through a network of Investment Adviser Representatives. The firm offers a variety of managed account programs and fee-based management of variable annuity and universal life subaccounts, utilizing risk questionnaires, model portfolios, and third-party support in portfolio construction and oversight.

Andy Phillips is a financial advisor with Ameritas Advisory Services, LLC, holding Series 65 and Series 63 licenses and six years of industry experience. He has worked at multiple firms including Arizona Federal Credit Union and Young and Associates, Inc., and owns a commercial photography business, Great Outdoor Photography. He also operates APConsultingNow LLC, providing commercial loan underwriting services. Ameritas Advisory Services, LLC delivers investment advisory and financial planning services to individual investors, retirement plans, charitable organizations, and corporate clients through a network of Investment Adviser Representatives. The firm offers a variety of managed account programs and integrates multiple custodial platforms with third-party tools to support portfolio construction and management.

Terence Smith is a financial advisor at PlanMember Securities Corporation with 23 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at firms including Securities America Advisors, Inc. and Aspen Grove Advisory Group, LLC. He also operated T. Smith Medicare Solutions for nine years. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, serving as an ERISA Section 3(38) fiduciary for many plans. The firm employs a strategic asset allocation framework and manages risk-based mutual fund portfolios, while also offering education and support services to plan sponsors and participants.

Richard Darrow is a financial advisor at J. W. Cole Advisors, Inc. with 46 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J. W. Cole Advisors and J.W. Cole Financial since 2013. He serves as co-trustee for the Darrow/Nordahl Trust and the Darrow Family Trust. J. W. Cole Advisors is an SEC-registered investment adviser that serves individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm offers portfolio management, fee-based financial planning, access to third-party investment managers, and multiple managed account solutions.

John Kolody Jr. is a financial advisor at Independent Financial Group, LLC with 38 years of industry experience. He holds Series 63 and Series 65 licenses and maintains an active CPA practice focused on tax preparation and accounting for individuals and businesses. His prior experience includes roles at Ic Advisory Services Inc, The Investment Center Inc, and Securities America, among others. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse clientele, including individuals, high-net-worth clients, trusts, and corporate and retirement plans. The firm employs a combination of discretionary and non-discretionary portfolio management strategies using firm- and third-party models, integrating both passive and active investment exposures across standard risk profiles.

John Sanford is a financial advisor with Morgan Stanley in Flagstaff, AZ, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Morgan Stanley and its affiliates since 2009, including Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm utilizes structured discovery processes and approved planning tools, managing approximately $2.74 trillion in client assets.

Robb Burris is a financial advisor with Wells Fargo Clearing, holding Series 63, 65, and 66 licenses and bringing 29 years of industry experience. He has worked with Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

John Burgraff is a financial advisor with Morgan Stanley, holding a Series 63 designation and 40 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Burgraff is based in Flagstaff, AZ. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers advisory programs to both individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and emphasizes structured financial planning supported by firm-approved tools and market simulations.

Brian Flader is a financial advisor with Raymond James & Associates in Flagstaff, AZ, holding Series 63 and Series 65 licenses with 30 years of industry experience. His prior roles include positions at City National Bank and RBC Capital Markets. Outside of his advisory work, he serves on the board of the Arcadia Camelback Mountain Neighborhood Association in Phoenix. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, and municipal entities—and offers financial planning, investment consulting, and institutional advisory services through a range of portfolio management styles and affiliated research.