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.

Edward Ethington is a CFP® professional with 17 years of industry experience, currently affiliated with Cetera in Tucson, AZ. His previous roles include work with Avantax and Edward Jones. Outside financial advising, he is involved in several business ventures including a specialty food company and serves as treasurer for a local Boy Scout troop. Cetera Investment Advisers LLC operates a multi-manager platform serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and advisory services, leveraging both affiliated and third-party managers within diverse program structures.

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.

James Godwin is a financial advisor with OSAIC in Tucson, AZ, holding a Series 66 designation and 24 years of industry experience. He has been with OSAIC since 2003. Outside of his advisory role, he is involved in tax preparation services through Pinnacle Taxx. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services using advanced asset-allocation tools and offers access to a wide range of investment products and third-party managed account solutions.

Licio Liberato is a financial advisor with Primerica Advisors in Tucson, AZ, holding Series 63 and Series 65 licenses and over 31 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1993. Outside of advisory work, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-based strategies and a limited number of discretionary separately managed accounts to individual and high-net-worth clients, with a focus on wrap-fee solutions rather than institutional plan management.

Jeffry La Beff is a financial advisor with Raymond James & Associates in Tucson, AZ, holding a Series 66 license and 18 years of industry experience. He spent 18 years at Edward Jones before joining Raymond James in 2025. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional and pension plans, and charitable organizations, offering financial planning and consulting through a range of portfolio management styles and research resources.

Lyle Deo is a financial advisor with Cetera and holds the ChFC® designation and Series 63 license. He has 48 years of industry experience and has worked with Cetera since 2022, also serving as managing partner at DKGB Financial since 2016. Outside of advising, he is involved in selling fixed insurance and life settlements. Cetera Investment Advisers LLC serves a broad client base including individual investors, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform with various discretionary and non-discretionary portfolio management options and access to third-party money managers.

Wayne Griffith is a financial advisor with Morgan Stanley in Tucson, Arizona, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets since 2009. Griffith also serves as a trustee involved in investment decisions. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and investment models to support its advisory offerings.

Jesse Huggins Jr. is a financial advisor with Mass Mutual Investors Services holding a Series 66 credential and five years of industry experience. He has worked at various MassMutual entities since 2019 and has prior experience in hospitality and catering industries. Outside of financial advising, he is involved in nonprofit fundraising for a performing arts organization. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, employing firm-approved tools and a collaborative approach to develop written recommendations.

Hector Aguilar Figueroa is a financial advisor at Edward Jones with three years of industry experience. He holds a Series 66 designation and previously worked at Merrill for nine years. His background also includes roles at the University of Phoenix, EEGEES, and Pima Community College. 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 and investment strategies, supported by a large network of financial advisors and branch offices across the United States.

Niklas Scherer is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been employed since December 1992. He specializes in areas including college education planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. He earned a Bachelor of Science in Business Administration from the University of Arizona in December 1988 and holds the Chartered Retirement Planning Counselor (CRPC™) certification from the College for Financial Planning Institutes Corp., awarded in November 2004. Niklas is also recognized as a Personal Investment Advisor (PIA). His community involvement includes serving as a member of the Assistance League of Tucson Advisory Council. Outside of his professional work, Niklas resides in Tucson with his family. He enjoys activities such as movies, off-roading in his RZR, skiing with his sons, adventure sports, hiking, music, traveling, and spending time with his family.

John O'Neill is a financial advisor with Ameriprise in Tucson, AZ, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2015. Ameriprise offers a retirement-income planning service targeting individuals with at least $1 million in net investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary retirement-income recommendations through a centralized consulting team.

Alejandro Ursua is an International Wealth Advisor at Merrill Lynch Wealth Management and a member of The GTZ Group. He joined the firm in 2015 and focuses on relationship management while providing client service. Alejandro contributes to team efforts by identifying opportunities and supporting the achievement of client objectives. He also represents Wealth Management Client Associates on the International Wealth Management Client Associates Working Group, supporting international offices. Alejandro earned a Bachelor of Science in Business Administration with a certificate in Finance from the University of Arizona in 2017. Prior to joining Merrill Lynch, he worked as a Financial Consultant for New York Life. He holds the Accredited Asset Management Specialist (AAMS) and Personal Investment Advisor (PIA) designations. Born in Colima, Mexico, Alejandro has spent most of his life in Arizona. He is a member of the Eller Centurion at the University of Arizona and participates in local soccer leagues. In his free time, he enjoys traveling and spending time with family and friends.

George Herget Jr. is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds a Series 63 designation and has been with Morgan Stanley since 2009, including work at Morgan Stanley Private Bank, National Association since 2015. Outside of his financial career, he serves as the Pima County Sheriff's Mounted Search and Rescue Captain. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to both individual and institutional clients, focusing on tailored financial planning and estate strategies.