Burt Derman is a CFP®-credentialed financial advisor with 39 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. He is based in Tucson, AZ. 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 advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

David Keefe is a financial advisor with Cetera, holding Series 65 and Series 66 designations and 25 years of industry experience. He has been affiliated with Cetera and related entities since 2022 and holds roles including branch manager and senior wealth manager. Outside of his advisory work, he owns a group health insurance business and manages a vacation rental property. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management through a multi-manager platform, with access to a range of model portfolios, third-party managers, and customized strategies.

Stephen Neff is a financial advisor with Raymond James & Associates in Tucson, AZ, holding Series 63 and Series 65 licenses and bringing 48 years of industry experience. He worked at Merrill for 40 years before joining Raymond James in 2017. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and public entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Richard Blythe is a financial professional with 45 years of industry experience, currently affiliated with Cetera. He holds Series 63 and Series 65 licenses and has worked at Cetera and its related entities since 2014. Outside of his advisory role, he operates a health insurance sales and services business as a sole proprietor. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform, supporting both discretionary and non-discretionary strategies across various program structures.

Aaron Crowley is a financial advisor at RBC Capital Markets with 15 years of industry experience. He holds Series 63 and Series 66 designations and has worked at RBC Capital Markets since 2011 and City National Bank since 2017. Outside of his advisory role, Crowley serves as a committee member for the Pima Community College Foundation and as secretary on the board of directors for the Tucson Conquistadores. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual and institutional clients with discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services. The firm offers tailored strategies through multiple wrap fee advisory programs, leveraging both in-house and third-party investment resources.

Amy Braunz is the Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2022. She draws on her background as an engineer to assist clients in designing and implementing financial plans that align with their goals and values. Amy has previous experience as a Private Wealth Advisor at Goldman Sachs, where she worked from 2012 to 2015. She holds a California Insurance License. Her approach focuses on building trust and dependability through attentive listening and disciplined execution of financial strategies.

Abhishek Gaur is a financial advisor with Merrill, holding a Series 66 designation and seven years of industry experience. He has worked at Merrill and Bank of America since 2017 and spent one year at Wells Fargo Bank. Outside of his advisory role, he serves as a power of attorney for a family member. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Napoleon King is a financial advisor with Thrivent Investment Management based in Tucson, AZ. He holds a Series 66 designation and has one year of industry experience. Prior to joining Thrivent, he worked at MML Investors Services, MassMutual Life Insurance, and Lenox Advisors. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based analyses without managing client portfolios directly. The firm offers planning and managed-account services separately, with options for consolidated billing under its “WealthPlan” program.

Fernando Arreola Tapia is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and its Private Bank since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools.

Wendy Miller is a financial advisor at Thrivent Investment Management in Tucson, AZ, with one year of industry experience. She holds a Series 66 designation and previously operated Miller Design for 14 years. From 2021 to 2024, she was involved with Gospel Rescue Mission. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based planning across various financial topics and combines planning with managed-account programs under a consolidated billing option called "WealthPlan."

Michael Carley is a financial advisor with LPL Financial in Tucson, AZ. He holds the Series 63 and Series 65 designations and has 26 years of industry experience, including 17 years with LPL Financial. 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, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Lemar Edwards is a financial advisor with Strategic Advisers LLC, a Fidelity Investments company, holding the Series 63, Series 65, and Series 66 licenses. His professional background includes roles at Transamerica Financial Advisors, World Financial Group, and service in the United States Navy. Edwards is currently based in Tucson, AZ. Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm utilizes proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Tracy Mcnamara is a financial advisor with Merrill in Tucson, AZ, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. She has been with Merrill since 1983. Outside of her advisory role, she is involved in a family-held landscaping business, where she manages financial transactions. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Mikey Marquez is a Planning Consultant at Fidelity Investments, a position he has held since 2025. Prior to this role, he worked at Fidelity Investments as a Relationship Manager from 2024 to 2025 and as a Financial Representative from 2023 to 2024. Before joining Fidelity, Mikey was a Financial Professional at MassMutual from 2019 to 2023. Mikey emphasizes providing each client with a world-class experience, leading interactions with empathy and genuine candor to ensure clients feel welcome and secure. He believes in meeting clients where they are to create financial plans that can lead to positive changes. Outside of his professional work, Mikey enjoys football, golf, hiking, movies, outdoor adventures, and yoga.

Laurence Goldstein is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He has worked with Cetera and its affiliates since 2022 and previously spent six years at First Financial Equity Corporation. Outside of his advisory roles, he owns Constellation College Planning, a business that assists families with navigating the college process, and serves as a minister performing marriage ceremonies. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving 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 third-party managers.

Ivan De La Hoya Meza is a financial advisor with Wells Fargo Clearing in Yuma, AZ, holding Series 63 and Series 66 licenses and six years of industry experience. He has been with Wells Fargo Clearing since 2019 and has worked at Wells Fargo Bank, NA since 2013. 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. The firm’s process is guided by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Richard Phillips is a financial advisor at Wells Fargo Advisors with 33 years of industry experience. He holds Series 63 and Series 66 registrations and has worked at various Wells Fargo entities since 2009. Outside of his advisory role, he serves as a personal representative for a family estate and as a co-trustee for his parent's trust. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad planning menu with specialized services, using proprietary research and tools to develop tailored recommendations delivered through meetings and written summaries.

Christine Aronoff is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. She 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 and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory solutions grounded in modern portfolio theory and tailored to plan-specific objectives and risk tolerances.

Joel Estes is a financial advisor with Raymond James & Associates in Tucson, AZ, holding a Series 63 designation and bringing 36 years of industry experience. Prior to joining Raymond James in 2018, he worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. He serves as a business advisor to the Tucson Conquistadores Foundation. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a wide range of portfolio management styles and affiliated research.

Jennifer Hurtado is a financial advisor with Merrill in Tucson, AZ, holding Series 63 and Series 66 credentials and six years of industry experience. Her career includes roles at Bank of America N.A., Wells Fargo Clearing, and Wells Fargo Bank, NA. 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.