Cheryl Schuler is a financial advisor with Wells Fargo Clearing in Tucson, AZ, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She previously worked at Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing. Outside of finance, she is an independent beauty consultant for Mary Kay and owns a photography business. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and utilizes research from Wells Fargo Investment Institute and third-party sources to guide its diversified investment approach.

Jennifer Tarpening is a financial advisor at Merrill with eight years of industry experience. She holds the Series 66 designation and has been with Merrill since 2015. 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 and profit-sharing plans, corporations, and charitable organizations.

David Hammond is a CFP® and ChFC® with 56 years of industry experience. He is currently with Cetera, having been associated with Cetera Wealth Services, LLC since 2013. Outside of his advisory role, Hammond serves as a notary and is involved in managing office building signage and a homeowners association. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and unaffiliated managers and various program options.

Rachael Le Fave is a financial advisor at Edward Jones with 22 years of industry experience. She has held her current position since 2014 and holds Series 63 and Series 66 credentials. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm manages approximately $1.01 trillion in assets under management, offering a range of advisory programs and investment products supported by a nationwide network of more than 23,700 financial advisors.

Ashley Zamora is a Financial Consultant at Fidelity Investments, where she helps clients develop long-term financial plans by understanding their family and financial needs. She has been in this role since 2023. Prior to this, Ashley served as a Relationship Manager at Fidelity Investments from 2022 to 2023. Before joining Fidelity, she worked as a Premier Banker at Wells Fargo from 2012 to 2022. Outside of her professional career, Ashley's personal interests include visiting museums, parenthood, reading, soccer, traveling, and volunteering.

Luis Martinez is a financial advisor with Morgan Stanley in Tucson, Arizona, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that utilizes firm-approved tools and scenario modeling.

Henry Maxwell is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2023. He has been with Fidelity Investments since 2016, progressing through roles including Financial Consultant, Investment Consultant, Senior Relationship Manager, Relationship Manager, and Financial Representative. Prior to joining Fidelity, he worked as an Ownership Transition Specialist at Bank of America - Merrill Edge from 2015 to 2016. In his role, Henry focuses on helping clients develop and maintain comprehensive financial plans tailored to their unique needs. He emphasizes educating clients on their current financial status to empower informed decision-making for their future. Outside of his professional work, Henry enjoys golf, music, skiing, and snowboarding.

Fred Brown Jr. is a financial advisor with Primerica Advisors in Oro Valley, AZ, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Primerica Advisors since 1982 and Primerica Financial Services since 1991. Outside of his advisory role, he owns a restaurant business in Freeport, New York. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which serves individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and provides wrap-fee solutions rather than managing institutional pension or profit-sharing plans.

Kimberly Didra is a financial advisor with Robert W. Baird & Co. in Tucson, Arizona, holding a Series 66 designation and six years of industry experience. Prior to joining Baird in 2018, she worked at Cartel Coffee Lab for six years and had brief roles at Midtown Artisans and Extended Travel. She is part of The DDK Group, a team within Baird’s Private Wealth Management practice that serves individuals, families, pensions, corporations, and charitable organizations. The group offers tailored consulting and portfolio services, including discretionary management and separately managed accounts, utilizing a range of traditional and non-traditional investment strategies.

Mariah Etchart is a financial advisor at Ameriprise with Series 66 credentials and one year of industry experience. Prior to joining Ameriprise, she held positions at Sabino Hills Family Dentistry and Tj Maxx. 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 annual, tax-aware retirement planning focused on dependable income sources, supported by proprietary research and algorithmic tools.

William Westcott is a financial advisor at LPL Financial with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has been with LPL Financial in various capacities since 2003. Westcott serves as a board member of Potoff Private Philanthropy, a nonprofit organization. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, and institutions. The firm offers financial planning, advisory programs, and retirement consulting supported by research and technology-driven portfolio management.

Nicholas Warren is a financial advisor at Wells Fargo Advisors in Tucson, AZ, holding a Series 66 designation with one year of industry experience. Prior to joining Wells Fargo Advisors in 2025, he worked at Arcis Golf and spent several years at the University of Arizona and Ironwood Ridge High School. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including niche areas such as business-owner transition and special-needs analysis, using proprietary research and planning tools to tailor recommendations for clients.

Katherine Simmonds is a financial advisor with RBC Capital Markets in Tucson, AZ, holding a Series 66 designation and bringing 12 years of industry experience. She has been with RBC Capital Markets since 2013. Outside of her advisory role, she owns an embroidery business called Graphix Xpressions and has recently begun working part-time as a travel agent. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with tailored investment strategies, offering discretionary and non-discretionary portfolio management alongside financial planning and custody services. The firm utilizes a mix of in-house and third-party managers and provides clients with options for rebalancing, tax management, and responsible investing.

Denielle Palting is a financial advisor at LPL Financial with 14 years of industry experience. She holds the Series 66 designation and has been with LPL Financial since 2012. Outside of her advisory role, she is an author and owns a separate business entity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, combining discretionary and non-discretionary management with research-supported model portfolios.

Carolyn Sitkowski is a financial advisor at Morgan Stanley with 10 years of industry experience. She has been with Morgan Stanley since 2018 and previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Outside of her advisory role, she manages rental property in Tucson, AZ. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individuals and institutions with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured, data-driven planning process.

Tiffany Callahan is a CFP® with 19 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, she worked at WELLS FARGO Advisors, LLC for one year. Outside of her advisory role, she holds an active real estate license in Arizona and is involved in the purchase and sale of primary or secondary residences. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven, incorporating modern portfolio theory and a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Karen Stewart is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. She has worked at J.P. Morgan Securities since 2018 and previously at J.P. Morgan Chase Bank. Outside of finance, she is involved in Stewart Telecommunications Co., LLC, where she performs light bookkeeping and serves as a signer. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Ben Palazzo is a financial advisor at Stifel with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus & Co. Inc. since 2010. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach incorporates a proprietary methodology developed by its Investment Strategy Group, using forward-looking capital market assumptions and probabilistic modeling to assist with asset allocation and financial planning.

Patrick O'Neill is a financial advisor at Ameriprise with 24 years of industry experience. He holds the Series 66 designation and previously worked at American Express Financial Advisors for 19 years before joining Ameriprise in 2020. Outside of his advisory role, he serves as a sports official and works as an assistant golf coach for a high school in Tucson, AZ. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset criteria, combining research and modeling with tax-efficient strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities typical of a large institutional firm.

Richard Brennan Jr. is a financial advisor at Edward Jones with 29 years of industry experience. He holds Series 63 and Series 66 designations. Prior to rejoining Edward Jones in 2024, he worked at the firm from 2017 to 2024 and briefly at Mass Mutual in 2016. 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, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, while operating under a fiduciary standard.