Paula Gonzales is a Wealth Management Advisor leading a Merrill wealth management team that assists individuals, families, and businesses in approaching their wealth with thoughtful and strategic planning. She has been with Merrill Lynch Wealth Management since 1994 and brings more than 25 years of experience to her role. Paula helps clients from various states and backgrounds, including those contemplating retirement, actively building wealth, and extended family members of current clients seeking personalized care. Paula's expertise extends beyond investment management. She dedicates time to understanding her clients' unique financial situations, including budgeting, asset consolidation, trust and estate planning options, and lending opportunities through Bank of America. Her approach involves designing balanced portfolios tailored to client priorities. Prior to her current role, she served as a Premier Banker, providing her with insight into the lending process. She holds a B.S.B.A. in Finance and Real Estate from the University of Arizona and has earned the Certified Private Wealth Advisor® and the Chartered Retirement Planning Counselor™ designations. Within the firm, Paula serves on the Leadership Team for the Merrill Women's Exchange as the Tucson liaison and as Mentor Chair, fostering mentor-mentee relationships among advisors. Outside of work, she enjoys spending time with her family, traveling, attending live music events, and photography.

David Vogelson is a financial advisor with OSAIC in Oro Valley, AZ, holding Series 63 and Series 65 designations and 35 years of industry experience. He has been with OSAIC since 1995. In addition to his advisory role, he owns a sole proprietorship that services variable annuities and life insurance policies. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs, utilizing various asset-allocation tools and portfolio construction strategies.

Judith Lewis is a financial advisor with Merrill, holding a Series 66 credential and 26 years of industry experience. She has worked at Merrill since 1999 and Bank of America, N.A. since 2009. Outside of her advisory work, she participates in Desert Angels, Inc., a nonprofit organization that serves as a forum for accredited investors interested in venture capital for Southwest regional startup and early stage companies. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Garret Warren is a financial advisor with Fidelity Investments in Tucson, AZ, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Longview Insurance & Investments and G&A CPAs & Advisors. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios across mutual funds, ETFs, and ETPs.

John Allanson is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and bringing 54 years of industry experience. He has been with UBS since 1971. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and offers proprietary research and capital markets solutions.

James Ruboyianes is a financial advisor with UBS Financial Services in Tucson, AZ, holding Series 63 and Series 65 licenses and bringing 54 years of industry experience. He has been with UBS since 1978. Outside of his advisory role, he manages a sole proprietorship involved in real estate rental activities. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, employing proprietary research and model-based asset allocations to tailor client plans. The firm combines institutional trading capabilities with wealth management services, including fiduciary financial planning and capital markets activities.

Alejandro Burrola Hernandez is a financial advisor with Raymond James & Associates in Tucson, AZ, holding a Series 66 designation and 19 years of industry experience. He previously worked at Morgan Stanley and its affiliated entities from 2011 to 2019 before joining Raymond James in 2019. Outside of advising, he operates a personal vehicle rental business through Turo, Inc. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, and municipalities. The firm offers financial planning and investment consulting with a variety of portfolio management styles, municipal advisory services, and an extensive affiliate network.

Derek Patla is a Senior Financial Advisor with Merrill Lynch Wealth Management. He focuses on a range of client needs including college education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, socially responsible and values-based investing, as well as retirement income strategies. Derek began his financial services career in Tucson in 1997 and has been active in professional and community organizations. He holds a Bachelor of Science degree in Finance from the University of Arizona and has earned several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Derek's professional approach is defined by the principles of trust, simplicity, and purpose. A native of Tucson, Arizona, Derek is a founding member and president of the Rotary Club of Tucson Presidio. He has also previously served as the guild president for the Vail Youth Symphony. Outside of work, Derek enjoys spending time with his wife and four children, as well as pursuing interests in music and photography.

Krystine Botkin is a Financial Consultant at Fidelity Investments, a position she has held since 2018. She has accumulated 20 years of experience in the financial industry, with previous roles including Investment Consultant and Financial Representative at Fidelity Investments, Financial Consultant at LPL, Financial Adviser and Branch Office Administrator at Edward Jones, and Sales and Service Specialist at Bank of America. Throughout her career, Krystine has focused on guiding clients through complex financial matters, utilizing Fidelity's tools and resources to simplify financial decision-making. Her expertise lies in educating and empowering clients to make informed financial choices. Outside of her professional work, Krystine has interests in baseball, family activities, fitness, golf, and music.

Debra Coyle is a financial advisor at Ameriprise with 25 years of industry experience and holds a Series 66 designation. She has worked at Ameriprise and its related entities since 2009. Outside of her advisory role, she serves on the Board of Directors for the University of Michigan Tucson Alumni Club and officiates collegiate track and field meets for the University of Arizona athletics department several times a year. Ameriprise is a large institutional firm that provides retirement-income planning services and a broad range of advisory, brokerage, and insurance solutions. Its retirement-income service offers tailored, research-driven recommendations for clients generally holding significant investable assets, combining algorithmic tools with personalized financial advice.

James Wood is a Wealth Management Advisor with Merrill Lynch Wealth Management. He and his team, The Wood/Cuesta Group, provide financial coordination and customized wealth management strategies for families, corporate executives, and small business owners in Tucson, Arizona, and across the country. Their approach focuses on simplifying clients’ financial lives through a Goals Based Wealth Management process and collaborating with attorneys, tax professionals, and insurance experts to deliver comprehensive service. Beginning his career at Merrill Lynch in 2008, James has held roles including Client Associate in Phoenix and Client Relationship Manager in Indian Wells, California, before becoming a partner in the Wood Group in 2014. He holds a Bachelor's Degree from Arizona State University and has earned the Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA) designations. His areas of expertise include family wealth management, retirement planning, philanthropic planning, portfolio management, socially responsible investing, and tax minimization. James is active in his community as a board member of the Father's Day Council Tucson benefiting Type 1 Diabetes research, Rotary Club of Tucson, and DM50, a nonprofit supporting Davis-Monthan Air Force Base and its personnel. He also serves as an Honorary Commander for the Air Force base and participates in its Military Affairs Committee. Residing in Tucson, James prioritizes time with his family and enjoys sports, cooking, and golf.

Nicholas Hough is a Financial Consultant at Fidelity Investments, where he partners with clients to understand their financial situations and co-create personalized financial plans. He holds the CERTIFIED FINANCIAL PLANNER® designation. Nicholas has been with Fidelity Investments since 2021, serving in various roles including Relationship Manager and Planning Consultant before becoming a Financial Consultant in 2024. Prior to joining Fidelity, he worked as a Financial Advisor at Edward Jones and as a Financial Representative at North Western Mutual. Outside of his professional work, Nicholas has interests in baseball, comedy, football, golf, movies, and parenthood.

Nicholas Abdy is a financial advisor at UBS Financial Services with 22 years of industry experience. He has been with UBS since 2011 and holds a Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services and provides access to proprietary research and capital markets solutions.

John Wilson Sr. is a financial advisor at Ameriprise with 12 years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones for six years before joining Ameriprise in 2019. Outside of advising, he co-owns an HVAC service and repair business as well as a real estate company. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research and modeling with tax-efficient withdrawal strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

Ernesto Duran is a financial advisor at RBC Capital Markets in Tucson, AZ, holding a Series 66 designation with three years of industry experience. His work history includes roles at City National Bank, Doordash, Postmates, and Advantage Air Mechanical. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charities. The firm offers multiple advisory programs with discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services, tailoring strategies to each client’s risk profile and utilizing both in-house and third-party investment managers.

James Dretler is a financial advisor at Morgan Stanley with 44 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials and has been with Morgan Stanley and its affiliates since 2009. He is based in Tucson, AZ. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes that utilize firm-approved tools and economic modeling techniques.

William Altruda is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 66 designations and has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by firm-approved tools and offers a range of investment and advisory services.

Alex Ramos is the Vice President and Wealth Planner at Fidelity Investments, a role he has held since 2018. He brings extensive experience in financial consulting and wealth planning, having worked with Fidelity Investments in various capacities since 1999, as well as a period at E*Trade Securities. Throughout his career, Alex has focused on understanding clients' family dynamics, goals, wishes, and priorities to help navigate financial decisions within the context of a comprehensive financial plan. His professional background includes multiple roles at Fidelity Investments, from Financial Representative to Vice President, Financial Consultant, and currently Vice President, Wealth Planner. Outside of his professional responsibilities, Alex enjoys family activities, golf, and hiking.

Stephanie Ruehl is a financial advisor at Morgan Stanley with three years of industry experience. Prior to joining Morgan Stanley in 2022, she worked at General Motors for seven years. She holds the Series 65 and Series 63 designations. Ruehl also serves as a trustee or co-trustee of a trust in Marana, Arizona. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment modeling in its financial planning process.

Donna Crawford is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. She holds the Series 66 designation and has worked at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, and Chase Investment Services Corp. since 2006. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.