Patricia Carnovale is a financial advisor with Ameriprise in Tucson, AZ, holding Series 63 and Series 66 licenses and bringing 40 years of industry experience. She has been with Ameriprise and its affiliate since 1995. Carnovale serves on the Board of Directors for Friends of Western Art. Ameriprise is a large institutional firm that offers a retirement-income planning service for individuals nearing or in retirement with significant investable assets. The firm provides advisory, brokerage, and insurance solutions through affiliated companies, using research-driven and algorithm-assisted methods to generate and tailor retirement income recommendations.

James Stark is a financial advisor at Cetera with 36 years of industry experience. He holds the CFP® designation and securities licenses Series 63 and 65. His career includes roles at Wells Fargo Advisors Financial Network LLC and managing multiple wealth management firms. Stark serves on the board of Unite 4 Africa, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm that provides services through a large nationwide network of independent advisors. The firm serves individuals, retirement plans, corporate and charitable clients, and institutional accounts with a multi-manager platform offering a range of portfolio management and financial planning solutions.

Selina Rojas is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds the Series 66 designation and has worked with Morgan Stanley Smith Barney since 2012 and Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, she is the sole proprietor of MJS Rojas Properties LLC. Morgan Stanley Wealth Management is a large institution serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and firm-approved processes to develop its financial plans.

Christopher Boyd is a financial advisor with Charles Schwab, holding Series 63 and Series 66 registrations and 14 years of industry experience. He has worked at Charles Schwab Bank since 2012 and Charles Schwab & Co., Inc. since 2009. Outside of his advisory role, he serves on the board of Legacy of Excellence, a nonprofit organization where he assists with the financial committee in managing scholarship donations. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed accounts. The firm offers both non-discretionary and discretionary investment services, combining multi-asset model portfolios with centralized custody and operational support.

Robert Mclaughlin Jr. is a financial advisor with Morgan Stanley, holding a Series 63 designation and bringing 33 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutional clients, including customized financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling as part of its advisory services.

Layla Tovar is a Senior Financial Advisor at Merrill Lynch Wealth Management. She focuses on creating personalized wealth management strategies tailored to clients' unique financial situations and goals. Her areas of expertise include college education planning, divorce transition planning, family wealth management strategies, personal retirement planning, small business strategies, special needs planning, and retirement income. Layla follows the Merrill tradition of community involvement through volunteer work with local organizations. Outside of her professional role, she pursues a variety of personal interests including basketball, chess, cooking, dancing, football, golfing, hiking, music, traveling, and yoga.

Thomas Robertson IV is a financial advisor at Wells Fargo Advisors with Series 66 credentials and four years of industry experience. He has held roles within Wells Fargo since 2015, including positions at Wells Fargo Payroll Services and Wells Fargo Merchant Services prior to his current advisory role. Robertson serves on the investment committee of the Rotary Club of Tucson and is a board member of the Fox Theatre in Tucson. Wells Fargo Advisors is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services facilitated by proprietary research and planning tools, with clients able to implement recommendations through various brokerage or advisory programs.

Cruz Poeppelman is a financial advisor at Ameriprise with one year of industry experience. He holds the Series 66 designation and has a diverse background including service in the United States Army and roles in higher education. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing planning advice focused on retirement income, using proprietary research and third-party data within a defined investment framework.

Michael Short is a financial advisor with LPL Financial in Tucson, AZ, holding Series 63 and Series 66 licenses and four years of industry experience. Prior to rejoining LPL Financial, he worked at Edward Jones and ADP LLC. Outside of his advisory career, he is a coach at CrossFit Saguaro. 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, and retirement consulting, providing both discretionary and non-discretionary management supported by research and model portfolios.

Michelle Bredehoft is a financial advisor at Morgan Stanley in Tucson, AZ, with five years of industry experience. She holds a Series 66 designation and previously worked at Amy Perl and Ben Parson State Farm. Outside of financial advising, she is involved in property management through MJM Rojas Properties, Inc. Morgan Stanley Wealth Management serves individual and institutional clients, providing tailored financial planning and advisory programs supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and offers a broad range of investment and planning services.

Kevin Peasley is an Investment Consultant at Fidelity Investments, where he works closely with clients to develop and maintain financial planning strategies. He focuses on understanding each client's unique situation and goals to co-create customized financial plans that align with their vision for the future. Kevin's professional experience includes serving as a Financial Representative at Fidelity Investments from 2023 to 2024 before becoming an Investment Consultant in 2024. His work encompasses planning for retirement, wealth accumulation, and risk management through methodical analysis and thoughtful recommendations. Outside of his professional role, Kevin enjoys board games, cooking and baking, puzzles, and snowboarding.

Andrew Blease is a financial advisor with LPL Financial in Tucson, AZ, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with LPL Financial since 2007. Outside of his advisory role, he is involved in non-variable insurance products, including long-term care insurance, fixed annuities, life and disability insurance. 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 financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from LPL Research and third-party subadvisors.

Christopher Graves is a CFP® professional with 28 years of experience in the financial services industry. He has been with Morgan Stanley since 2008, including roles at Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney. He is based in Tucson, AZ. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individuals and institutions. The firm offers tailored financial planning and a variety of investment services, managing approximately $2.74 trillion in client assets.

Brian Gard is a financial advisor at Edward Jones in Tucson, AZ, holding the CFP® designation and a Series 66 license with seven years of industry experience. Prior to joining Edward Jones in 2018, he worked at APPS Paramedical and served for 23 years with the Northwest Fire District. He is a board member of the Marana Chamber of Commerce, where he meets monthly to provide guidance on community economic development. 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 strategies supported by a nationwide network of over 23,000 financial advisors and more than 15,000 branch offices.

Ian Sanchez is a financial advisor with Merrill in Tucson, AZ, holding Series 63 and Series 66 licenses with one year of industry experience. Prior to joining Merrill and Bank of America in 2025, he worked at Wells Fargo Clearing and Wells Fargo Bank from 2018 to 2025 and has experience in the education sector from Desert Rose Academy. Outside of his advisory role, he is a general partner and managing member of YWOP Enterprise, where he performs accounting and maintenance activities. Merrill, along 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Myron Hicks is a CFP®-certified financial advisor with 34 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, Hicks holds ownership interests in several local Tucson businesses, including Tucson Screamers LLC and The Slaughterhouse DBA Biocare Global, where he is involved in fundraising, marketing, and consulting activities. 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 and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Nancy Kelsey is a financial advisor at OSAIC with 39 years of industry experience. She held advisory roles at Securities America Advisors, Inc. and Securities America, Inc. from 2009 to 2024 before joining OSAIC. Outside of her advisory work, she is involved in a cat rescue and rehoming effort in Tucson, Arizona. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services along with financial planning and access to third-party money managers. The firm utilizes various asset allocation tools and supports discretionary and non-discretionary account management across multiple investment types.

Julian Benitez II is a financial advisor with Cambridge Investment Research Advisors in Tucson, AZ, holding a Series 66 designation and nine years of industry experience. He has worked with Cambridge Investment Research and JNJ Wealth Management Group since 2017 and was previously with Commonwealth Financial Network from 2015 to 2017. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through independent Financial Professionals, employing a range of portfolio management strategies across multiple custody platforms.

Jonathan M Mitchell is a financial advisor with UBS Financial Services in Tucson, AZ, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with UBS since 2011. Outside of his advisory work, Jonathan volunteers as a private investigator and is a silent partner in a fast-casual restaurant serving Poke. He also serves as secretary and treasurer of a family foundation. UBS Financial Services serves individual, corporate, and institutional clients through a blend of brokerage and investment advisory services, utilizing model-based asset allocations and proprietary research to tailor client plans. The firm combines institutional trading capabilities with wealth management offerings, including fiduciary financial planning and capital markets services.

Ashley Pearson is a financial advisor with LPL Financial in Tucson, AZ, holding a Series 66 designation. Pearson has one year of industry experience and has previously worked at Edward Jones, Research Development Services at the University of Arizona, and Cardinal Reality. Prior to entering the financial industry, Pearson held various roles including positions at Twin Peaks Veterinary Center and Chipotle Mexican Grill. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, research, and various management strategies.