Hugo Frausto is a financial advisor at Morgan Stanley with six years of industry experience. He holds a Series 66 credential and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2019. Prior to joining Morgan Stanley, he was employed by the Department of Veterans Affairs from 2015 to 2019. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. Their planning process includes structured discovery and firm-approved tools, with an emphasis on advisory services rather than individual security recommendations.

Joseph Poliseo is a Senior Financial Advisor with Merrill Lynch Wealth Management. He began his career with Merrill in 1998, initially serving as Head Operations Controller in New Jersey. Over the years, Joseph held various roles in client service and management, later moving to Arizona in 2005 to become Client Relationship Manager for the Phoenix-Tucson Complex, overseeing client services for seven offices and 150 Financial Advisors. He transitioned to a Financial Advisor role in Tucson, Arizona in 2015, focusing on providing comprehensive wealth management solutions that address clients' evolving needs and financial goals. Joseph’s areas of expertise include college education planning, personal retirement planning, portfolio management services, tax minimization, and retirement income strategies. He holds the Chartered Retirement Planning Counselor™ (CRPC™) designation and the Personal Investment Advisor (PIA) designation, demonstrating his commitment to ongoing professional development. Joseph earned a Bachelor of Science degree in Technological Entrepreneurship and Management from Arizona State University, complementing his extensive experience in financial services. Outside of his professional work, Joseph enjoys spending time with his wife, Marissa, and their three daughters. He also has personal interests in basketball, music, and watching movies.

Julian Benitez is a financial advisor with Cambridge Investment Research Advisors, holding the ChFC® designation and Series 63, 65, and 66 licenses. He has 33 years of industry experience, including prior roles at Commonwealth Financial Network. Outside of his advisory work, Benitez is a managing partner in a life insurance sales firm and also provides notary services. Cambridge Investment Research Advisors is a large SEC-registered firm serving a broad range of clients, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, with investment strategies that include proprietary models and access to third-party managers.

Cheryl Ray is a financial advisor at Wells Fargo Clearing with a Series 63 designation and two years of industry experience. She has been with Wells Fargo Bank, N.A. since 2013 and joined Wells Fargo Clearing in 2023. 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 advisory solutions grounded in modern portfolio theory. The firm’s approach includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Joey Valenzuela is a financial advisor with Wells Fargo Clearing in Tucson, AZ, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. He previously worked at J.P. Morgan Securities for 10 years before joining Wells Fargo Clearing in 2022. 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 incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Aaron Brewer is a CFP® with 18 years of industry experience, currently affiliated with Wells Fargo Clearing since 2022. He previously worked at J.P. Morgan Securities for 10 years. 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 range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Michael Mansour is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has prior work history that includes roles at Bank of America, Northern Arizona University, Peak Corrosion Control, and local educational institutions. 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 plans, corporations, and charitable organizations.

Michelle Dojaquez is a Financial Advisor with Merrill Lynch Wealth Management. She has been in the financial industry since 2018 and joined Merrill Lynch in 2024. In her role, Michelle focuses on building trusted relationships and supporting clients through personalized financial strategies that align with their unique goals and priorities. Her areas of expertise include retirement income planning, portfolio management, tax minimization, small business strategies, special needs planning, and managing wealth for diverse client groups such as women and the LGBT community. Michelle emphasizes understanding clients' personal perspectives to create tailored plans encompassing education funding, retirement lifestyle coverage, and long-term family goals. Michelle holds a Bachelor's Degree from Northern Arizona University and an MBA from the University of Phoenix. She also holds the Personal Investment Advisor (PIA) designation. Outside of work, she enjoys activities such as chess, cooking, music, reading, swimming, watching movies, and spending time with her family.

Reyna Ward is a financial advisor with Charles Schwab in Tucson, AZ, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. Her work history includes roles at Charles Schwab and Fidelity Brokerage Services. Outside of financial services, she promotes a global beauty brand focusing on haircare, skincare, and wellness products. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers both non-discretionary advisory guidance and access to discretionary separately managed accounts, combining multi-asset model portfolios with a centralized operational structure.

Garrett Rustand is a financial advisor with LPL Financial in Tucson, AZ, holding a Series 66 designation and 24 years of industry experience. He has been with LPL Financial since 2010. Outside of his advisory role, he is involved with RustandCapital Management, a business entity for tax and investment purposes. 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 representatives. The firm offers a broad range of advisory programs and financial planning services, utilizing model portfolios, third-party subadvisors, and technology-driven solutions.

Brian Fenn is a financial advisor with Mass Mutual Investors Services in Tucson, AZ, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. His career includes roles at Northwestern Mutual companies from 2008 to 2017 before joining Mass Mutual and its subsidiaries in 2017. Outside of his advisory work, Fenn is active in the sales and service of insurance products. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management to individuals, business owners, trusts, estates, and charitable organizations, with specialized offerings such as divorce planning and employer-sponsored programs.

Scott Tobin is a Wealth Management Advisor currently with Merrill Lynch Wealth Management. He began his financial services career as a high school intern at Merrill Lynch and rejoined the firm in 2010 after earning a bachelor's degree in political science from the University of Washington in 2009. Over the years, Scott has worked in the Phoenix and New York City offices before returning to Tucson. Scott provides clients with well-informed, goals-based financial recommendations to simplify their financial lives. He works with individual clients, families, business owners, and 401(k) plans, focusing on performance analysis, portfolio manager tracking, and strategic asset modeling. His expertise includes employee benefits planning, family wealth management strategies, retirement income, portfolio management services, and tax minimization. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Scott and his wife Tracy live in Tucson with their two children. They enjoy hiking with their dog Pete, traveling, and supporting local restaurants. Scott is an avid Arizona Basketball fan. He is also involved in the community through volunteer work with organizations such as Jewish Philanthropies of Southern Arizona, Southern Arizona Community Food Bank, and United Way of Tucson and Southern Arizona.

Sonya Johnson is a Series 66-credentialed financial advisor with 19 years of industry experience, currently with Wells Fargo Advisors in Tucson, AZ since 2023. She previously held roles within Wells Fargo Clearing and Wells Fargo Advisors, LLC from 2016 to 2023. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services tailored to clients meeting net-worth thresholds, supported by Wells Fargo research, planning tools, and multiple financial product offerings.

Michael Stromenger is a financial advisor at Edward Jones with eight years of industry experience. He holds a Series 66 designation and previously worked at Bank of America and Merrill from 2014 to 2022. He serves as President and Board Member of Candlelighters: Childhood Cancer Foundation of Southern Arizona. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory programs and affiliated investment products, operating under a fiduciary standard and supported by a large network of advisors and branch offices nationwide.

Michael Nienaber is a financial advisor with Primerica Advisors in Tucson, AZ, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. His prior career includes over 40 years at Avaya Inc. Outside of his advisory role, he owns M&J Nienaber in Loveland, CO, and engages in the sale of home security and automation products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, delivering advisory services through a large network of financial advisors. The firm employs model-driven investment strategies managed by third parties and supports trade execution and custody through Pershing.

Matthew Rosen is a financial advisor with Wells Fargo Advisors in Tucson, AZ, holding Series 63 and Series 65 licenses and having 14 years of industry experience. He has been with Wells Fargo Advisors since 2011. Outside of his advisory role, he serves as a trustee for multiple Finet Practice 401(k) plans. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options, utilizing proprietary research and planning tools, with services spanning retirement, education, risk management, wealth transfer, and specialized areas such as business-owner transition and special-needs planning.

Travis Dillard is a financial advisor with Wells Fargo Clearing in Tucson, AZ, holding Series 63 and Series 65 licenses and possessing 38 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a year 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 investment advisory services. The firm’s process is driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Matthew Lang is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works closely with clients to develop strategies that address their short-, mid-, and long-term financial goals. He provides resources and guidance on topics including general investing, retirement planning, and saving for unexpected events. Additionally, he facilitates access to Bank of America specialists for banking, credit, home financing, and small business solutions. Matthew holds a Bachelor's Degree from the University of Arkansas and has earned the Personal Investment Advisor (PIA) designation. He emphasizes building lasting relationships with clients based on trust, integrity, and education, aiming to empower individuals and businesses to achieve financial confidence and long-term success through personalized and transparent strategies. Outside of his professional work, Matthew enjoys basketball, golfing, pickleball, and spending time with his family.

Melissa Robles is a financial advisor with LPL Financial in Tucson, AZ, holding a Series 66 designation. She has been in the industry since 2021, with prior experience at Underhill Financial Advisors, SagePoint Financial, Carmichael Financial, and Osaic Wealth. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, with access to model portfolios, research, and various portfolio management services.

Mary Williamson is a financial advisor with Merrill in Tucson, Arizona, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. She has been with Merrill Lynch Pierce, Fenner & Smith, Inc. since 2011. Outside of her advisory role, she manages Flourish Aromatherapy Studio, LLC, a family business where she creates skin care products. 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, and institutional investors, implementing a mix of internal and third-party management and tactical asset allocation.