James Godwin is a financial advisor at OSAIC with 24 years of industry experience. He holds the Series 66 designation and previously worked for Pinnacle Taxx, where he provided tax preparation services for 13 years. Outside of his advisory work, he is involved in tax preparation through Pinnacle Taxx and has experience as a statutory agent in the sale of life, health, and disability insurance. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services. The firm utilizes asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios that may include various asset classes, and it operates a complex platform network with multiple advisory programs and third-party service arrangements.

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 at Raymond James & Associates with 18 years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones for 18 years before joining Raymond James. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses, supporting both retail and institutional clients through various advisory programs.

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.

David Smith is a financial advisor with Merrill in Tucson, AZ, holding a Series 66 designation and three years of industry experience. Prior to joining Merrill and Bank of America in 2022, he worked in various roles including positions at Club Champion Golf, The Preserve Golf Club, Arizona State University, and Dick's Sporting Goods. He also serves as a trustee for a family revocable trust. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Patrice Njento is a financial advisor with Merrill Lynch Wealth Management. He focuses on providing personalized financial guidance by building strong, lasting relationships with individuals, families, and business owners. Patrice works to align clients' finances with their goals, values, and vision for the future. He specializes in areas such as college education planning, divorce transition planning, legacy planning, liquidity management, personal retirement planning, portfolio management, and small business strategies. Patrice is a Personal Investment Advisor (PIA) and assists clients with a broad range of needs from general investing to retirement preparation. Patrice holds a Bachelor's Degree in Business Law and a Master of Business Administration in Finance, both from National University San Diego. He is multilingual, speaking English, Spanish, and French. Additionally, he is associated with the IFORFACT GROUP LLC and is involved with the 355th Medical Group in Tucson, AZ. Outside of his professional role, Patrice has interests in cooking, dancing, football, golfing, interior decorating, running marathons, soccer, spending time with family, woodworking, and writing.

Cary Walsh is a financial advisor with Fidelity, holding Series 63 and Series 66 credentials and 12 years of industry experience. He has been affiliated with Fidelity Brokerage Services, LLC since 2013 and currently works with Fidelity Investments. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to retail and institutional clients, as well as registered investment companies and charitable funds. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across a variety of asset classes.

William Holmes is a financial advisor with Morgan Stanley in Tucson, AZ, holding Series 63 and Series 66 licenses and eight years of industry experience. His prior roles include positions at Wells Fargo Advisors and Nova Home Loans. Outside of financial advising, he is involved as an employee and contractor in food delivery services, including DoorDash and Grubhub. Morgan Stanley Wealth Management is an SEC-registered firm offering a broad range of advisory programs to individuals and institutional clients, including customized financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services that span from retail advisory to institutional investment solutions.

Taylor Clark is a financial advisor with Robert Baird & Co. in Tucson, AZ. He holds the Series 66 designation and has industry experience dating from 2020, including prior roles at U.S. Bank and Faithful & Gould. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management department, which serves individuals, corporate clients, pensions, and charitable organizations. The firm offers a variety of financial planning and portfolio management services, utilizing both internal research and external manager strategies, and reported approximately $394 billion in regulatory assets under management as of December 31, 2025.

Mckinley Griffith is a financial advisor with Morgan Stanley in Tucson, AZ, holding a Series 66 credential and 11 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2014 and 2015, respectively. Outside of his advisory work, Griffith serves as president of the board for the University of Arizona Alumni Association's East Valley Cats Chapter. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and maintains a diverse offering that includes relationships with investment companies, private funds, and principal trading activities.

Terese Loscalzo is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning services. The firm employs a structured planning process using proprietary tools and investment research, managing approximately $2.74 trillion in client assets.

Larry Mathias is a financial advisor with Edward Jones in Tucson, AZ, holding a Series 66 designation and five years of industry experience. He has worked at Edward Jones since 2020 and previously worked at Kamps Inc from 2016 to 2019. Outside of advisory work, he is a partner in Pacific Cathedral SRL, a company that owns a vacation home. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Renee Ann Duryea is a Financial Solutions Advisor with Merrill Lynch Wealth Management. In her role, she works directly with clients to define their financial goals and develop portfolio strategies aimed at helping them pursue those goals. She provides ongoing advice and adjusts portfolio recommendations as clients' situations evolve. Her expertise includes general investing, retirement planning, and preparing for unexpected financial needs. Renee values getting to know her clients personally to understand what matters most to them, enabling her to tailor strategies accordingly. Renee holds a Bachelor's Degree from the University of the Philippines. She has earned professional designations including the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA).