Philip Natale is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career in financial services in 2007 as a bank teller and joined Merrill Lynch Wealth Management as a Financial Advisor in 2011. Philip works with clients on a comprehensive range of financial needs including investments, banking, retirement, lending, insurance, and estate planning to provide a well-rounded approach. He holds a Bachelor's Degree from the University of Nevada and is a Personal Investment Advisor (PIA). Philip is involved in several professional and community organizations, including Junior Achievement of Southern Nevada and Knights of Columbus. He volunteers with Junior Achievement teaching financial literacy, entrepreneurship, and economics to high school students, and participates in activities through the Catholic Church. Outside of his professional work, Philip enjoys running, writing, playing with his dog, and has lived in both New York City and Henderson, Nevada. He maintains ongoing communication with his clients and values both digital and face-to-face interactions to establish lifelong relationships.

Melissa Durante is a financial advisor with Wells Fargo Clearing in Las Vegas, NV, holding a Series 66 designation and 17 years of industry experience. She has worked within various Wells Fargo entities since 2007, including Wells Fargo Bank, N.A. and Wells Fargo Advisors LLC. Outside of her advisory role, she serves as a trustee for a family trust. 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 investment approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Louis Larson is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and has previously worked in facilities management and nonprofit roles, including with the University of St. Thomas and MNFEI, a nonprofit organization. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Steven Lloyd is a financial advisor with LPL Financial in Las Vegas, NV, holding a Series 66 designation and 15 years of industry experience. Prior to joining LPL Financial in 2017, he worked at MML Investors Services, MassMutual Life Insurance Company, and Merrill. Outside of his advisory role, he is a 50% owner of a local business, VJ Kings, LLC, which operates under the name Junk King. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, supported by a broad platform of investment options and operational tools.

Anna Kareis is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and eight years of industry experience. She previously worked at Northwestern Mutual in various capacities from 2018 to 2022 and spent a year with City Year San Antonio. 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 written recommendation reports and ongoing annual planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Heather Henderson is a Financial Advisor with Merrill Lynch Wealth Management, operating out of the Summerlin Office in Tivoli Village in Las Vegas. She joined the firm in 2020 after a career in sports marketing and holds her Series 7 and 66 FINRA registrations along with the Accredited Asset Management Specialist™ (AAMS™) designation. Her approach centers on providing clients with financial confidence by customizing financial plans tailored to their lives and priorities. Heather's responsibilities include portfolio review management, marketing and event efforts, and team member training. She holds a Bachelor of Science degree in Business Administration with a focus on Marketing from the University of Nevada, Las Vegas. Heather has a background in digital marketing, having worked with a local Triple-A Baseball Team prior to entering financial services. She continues to pursue her interest in athletics by coaching a youth club volleyball team. Additionally, Heather is active in philanthropic efforts, serving on the Advisory Board of Moonrise NextGen and participating on her local Merrill office's Philanthropy Committee and Women's Exchange. She has been recognized by Bank of America for contributing over 100 volunteer hours.

Jemel Lewis is a financial advisor at Wells Fargo Clearing with one year of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo Bank, Thrivent Financial, and Bankers Life. Lewis served in the Army National Guard from 2014 to 2020. 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 process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Ottilia Cserenko is a financial advisor with Ameriprise in Henderson, Nevada, holding a Series 63 designation and nine years of industry experience. She has worked at Ameriprise since 2022 and previously held roles at Thrivent Financial and other firms from 2016 to 2020. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service focused on retirement income planning, utilizing research, third-party data, and algorithmic tools to provide written recommendations and ongoing advice.

Shawn Whitmore is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and previously worked at Ameriprise and State Farm. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Jared York is a financial advisor with Merrill in Las Vegas, NV, holding a Series 66 designation and four years of industry experience. He has been associated with Bank of America and Merrill since 2017, and previously worked at Sea Quest and The Church of Jesus Christ of Latter-day Saints. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies tailored for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Betsy Gaytan Leon is a financial advisor at Ameriprise in Las Vegas, NV, holding a Series 66 designation with less than one year of industry experience. Her prior work includes roles at Monument Title Insurance Inc and teaching positions at the University of Nevada, Las Vegas, and the College of Southern Nevada. She also serves as a Notary Public. Ameriprise offers a retirement-income planning service targeting individuals near or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary recommendations in partnership with clients’ financial advisors.

Michael Hood is a financial advisor with Wells Fargo Clearing in Las Vegas, NV, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He previously worked at UBS Financial Services from 2011 to 2019 before joining Wells Fargo Clearing in 2019. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, delivering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and based on modern portfolio theory, offering a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Matthew Lawler is a financial advisor at Osaic Wealth, Inc. with 35 years of industry experience. He has held positions at Securities America Advisors, Inc. and Dakota County Insurance Agency. Lawler also serves as a financial advisor for F&M Bank, where he provides financial advising, investments, insurance, estate, and tax planning. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services with a focus on diversified portfolios using various asset classes and multiple advisory platforms.

Natalie Abraham is a CFP® and ChFC® credentialed financial advisor at UBS Financial Services with seven years of industry experience. She previously worked at Merrill and has held roles in banking and at the University of Nevada, Las Vegas. Outside of her advisory work, she is the managing member of a locksmith business, Allcity Lock & Safe, though she does not participate in its daily operations. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans and portfolio management. The firm combines institutional trading capabilities with wealth management services and operates as a broker-dealer, investment adviser, and futures commission merchant.

Gary Cranford is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in developing personalized financial strategies tailored to clients' individual goals, focusing on areas such as family wealth management, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Gary holds a Bachelor's Degree from the University of Northern Colorado and maintains professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). He follows the Merrill tradition of community involvement and spends time volunteering with local organizations. Outside of work, Gary enjoys hiking, reading, and running.

Kurt Maier is a financial advisor with UBS Financial Services in Las Vegas, NV, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been with UBS Financial Services since 2015. UBS Financial Services 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 utilizes proprietary research and model-based asset allocations to tailor financial plans.

James Zapotocky is a financial advisor at Raymond James & Associates with 12 years of industry experience. He previously worked at Morgan Stanley and its private banking divisions for a decade. Outside of his advisory role, he has a business interest in a rental real estate venture called The Wine Down Paso. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser serving individuals, institutions, and municipal clients. The firm offers financial planning and consulting through a range of investment strategies and is notable for its municipal advisory services and employer retirement plan consulting programs.

Vincent Bono is a financial advisor with Wells Fargo Clearing in Henderson, NV, holding Series 63 and Series 65 licenses and possessing 33 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. 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 advisory solutions grounded in modern portfolio theory. The firm is noted for including insurance-related vehicles and bank deposit sweep options among its investment offerings.

Dustin Engel is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing nearly two decades of experience serving high net worth individuals, families, and businesses. Since joining the firm in 2003, Dustin has focused on developing customized financial strategies based on clients’ risk tolerance, time horizon, liquidity needs, investment goals, and associated costs. His approach centers on understanding each client’s unique financial situation and aspirations, allowing him to tailor asset allocations and recommend solutions across investments, business services, retirement, and estate planning. Dustin emphasizes open and honest communication, maintaining regular reviews and being accessible to address clients’ questions or concerns throughout market fluctuations and life changes. Dustin’s expertise includes divorce transition planning, family wealth management strategies, managing new wealth, personal retirement planning, and investment consulting for both defined benefit and defined contribution plans. He holds professional designations including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His educational background includes a high school diploma from Valley High School, with additional studies at the University of Nevada - Las Vegas and the University of Surrey. Residing in the Las Vegas valley for over 30 years, Dustin engages with the community through local charities such as St. Baldricks and serves as a board member for the Candlelighters Childhood Cancer Foundation of Nevada. He is also part of the Leadership Las Vegas Class of 2025. Outside of his professional and community activities, Dustin enjoys reading, attending live music events, traveling, and spending time with his family.

Carrie Rueckl is a financial advisor at Thrivent Investment Management with 15 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Bankers Life Securities, Inc. and The American College. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering holistic, goal-based financial analyses and written recommendations across various planning topics. The firm combines planning with managed-account services under a consolidated billing option while maintaining separate service structures.