Mary Gill is a financial advisor at Cetera with 10 years of industry experience. She holds Series 63 and Series 65 credentials and has a background that includes ownership of Canyon Tax Associates LLC, where she provides tax preparation services, and Gill & Ghabbani Financial LLC. Additionally, she operates as an insurance agent assisting seniors with Medicare and final expense options. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts through a nationwide network of independent advisors. The firm offers a multi-manager platform with diverse investment approaches ranging from model portfolios to bespoke strategies, managing over $256 billion in assets.

Taunya Villicana is a financial advisor with LPL Financial in Tucson, AZ, holding Series 63 and Series 65 credentials and 29 years of industry experience. She has been with LPL Financial since 2004. Outside of her advisory role, she is a managing partner of Peaks, LLC, a company involved in commercial real estate rental. 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 investment adviser representatives. The firm offers a wide range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Skyler Richins is a financial advisor at Edward Jones with 10 years of industry experience. He holds the CFP® and ChFC® designations and has previously worked at J.P. Morgan Securities, Wells Fargo Bank, and The Vanguard Group. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, and operates under a fiduciary standard.

Zachary Parker is a financial advisor with LPL Financial in Tucson, AZ, holding a Series 66 designation and seven years of industry experience. Prior to joining LPL Financial in 2025, he worked at Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. from 2018 to 2025. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, research, and various management approaches.

Gail Giclas is a financial advisor at Raymond James & Associates with 42 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Bank of America and Merrill. Gail is based in Tucson, Arizona. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Carlota Larson is currently a Planning Consultant at Fidelity Investments, a position she has held since 2023. In this role, she focuses on developing financial plans that align with the goals and priorities of her clients and their families. She emphasizes building strong and trusting relationships by understanding what is important to her clients. Her professional experience spans several roles in the financial services industry. Prior to her current position, she was an Administrative Manager at Ridgway Private Wealth from 2021 to 2023. Before that, she served as Vice President, Premier Banker II at Wells Fargo Bank from 2009 to 2021, and began her career as a Teller at Chase Bank from 2006 to 2009. No additional information about her education, credentials, personal interests, or community involvement has been provided.

Stacey Zeluff Bisher is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. Prior to joining Wells Fargo in 2026, she worked at Edward Jones for two years and has held roles at several other firms and companies in different industries. 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 offers a range of brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third-party sources.

Marc Lock is a financial advisor with Morgan Stanley in Tucson, AZ, holding a Series 63 designation and 40 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial and estate planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling as part of its process.

Daniel Kinnear is a financial advisor at Wells Fargo Clearing with five years of industry experience. He holds a Series 63 designation and has been with Wells Fargo since 2020. Kinnear also serves as an adjunct lecturer at the University of Arizona's Eller College of Management, teaching various finance courses including Introduction to Finance and Applied Investment Management. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, notably insurance-related vehicles and bank deposit sweep programs.

Nathan Clark is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 20 years of experience in financial planning. He specializes in comprehensive planning, investment management, and risk mitigation, focusing on helping clients pursue their financial goals through personalized wealth management strategies. Nathan’s approach emphasizes understanding clients’ life priorities to create flexible plans aligned with their family, goals, and aspirations. Nathan holds the Accredited Domestic Partnership Advisor™ (ADPA™) and Accredited Wealth Management Advisor™ (AWMA™) designations, reflecting his expertise in addressing the unique needs of high net-worth individuals, families, and business owners. He earned a Bachelor's Degree from Western International University and a Master of Business Administration (MBA) from the University of Phoenix. In addition to his professional work, Nathan is actively involved in the community. He serves on the boards of several non-profit organizations, including the Reid Park Zoological Society, Reid Park Zoological Foundation, and Step Up to Justice. Outside of his advisory role, Nathan enjoys interior decorating, reading, and spending time with his family.

Elizabeth Apking is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 25 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with an investment menu that includes insurance-related vehicles and bank deposit sweep options in addition to traditional products.

David Garcia is a financial advisor with Primerica Advisors in Tucson, AZ, holding Series 65 and Series 63 licenses and having seven years of industry experience. His work history includes roles at Primerica Advisors since 2019 and at ABLE Engineering for ten years. Primerica Advisors sponsors and manages a wrap-fee asset management program serving primarily individual investors, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors and $15.5 billion in assets under management, delivering advisory services through model-based recommendations overseen by external asset managers.

Fernando Cubillas is a financial advisor with Merrill in Tucson, AZ, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. His career includes roles at Bank of America, N.A., Merrill, PFS Investments Inc., Primerica Financial Services, and Morgan Stanley. Outside of his advisory work, he owns Watch Plating Professionals LLC, a small business focused on gold-plated watches. 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 a range of clients, including individuals, high-net-worth investors, and institutions, with portfolio implementation varying by strategy and incorporating tactical asset allocation and tax-aware options.

Patrick Moonga is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and four years of industry experience. His prior work includes roles at Wells Fargo Clearing, Citigroup, and JPMorgan Chase Bank. Outside of finance, he owns and operates two businesses: a family-owned food delivery service and a customer service company. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Shannon Soto is a financial advisor at Morgan Stanley with 18 years of industry experience. She has worked at Morgan Stanley since 2009 and holds Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a variety of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved tools.

Ernest Escarcega Jr. is a financial advisor with Primerica Advisors in Tucson, AZ, holding a Series 63 designation and 39 years of industry experience. He has been with Primerica Advisors since 1985 and Primerica Financial Services since 1991. Outside of his advisory role, he is involved in sales of home security and automation products through affiliated companies and owns EDESVP, LLC, a legal entity formed for Primerica business purposes. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating under a tiered wrap-fee structure.

Andres Parada Hernandez is a financial advisor at Morgan Stanley with two years of industry experience. He holds a Series 66 designation and has prior work experience that includes roles in the restaurant industry and the gig economy. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services, supporting clients through firm-approved planning tools and comprehensive investment resources.

Jesus Gonzalez is a financial advisor with Merrill in Tucson, AZ, holding a Series 66 designation and four years of industry experience. His career includes roles at Bank of America, N.A. since 2022 and Merrill since 2019, with earlier experience at Family Dollar. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies developed by internal and third-party managers. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

James Allen III is a financial advisor with LPL Financial in Tucson, AZ, holding Series 63 and Series 65 licenses and having 32 years of industry experience. He worked at PFG Advisors from 2015 to 2017 before joining LPL Financial in 2009. Outside of his advisory role, he umpires high school baseball games. LPL Financial is a nationally registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charities through a broad network of investment adviser representatives, offering a range of advisory programs, financial planning, and retirement consulting services.

Daryl Harper is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and five years of industry experience. His work history includes roles at Edward Jones, U.S. Bank, and T-Mobile. Outside of his advisory role, he owns and operates businesses in real estate and event coordination. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and investment manager searches. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering services on a non-discretionary basis.