Nicholas Hough is a Financial Consultant at Fidelity Investments, where he partners with clients to understand their financial situations and co-create personalized financial plans. He holds the CERTIFIED FINANCIAL PLANNER® designation. Nicholas has been with Fidelity Investments since 2021, serving in various roles including Relationship Manager and Planning Consultant before becoming a Financial Consultant in 2024. Prior to joining Fidelity, he worked as a Financial Advisor at Edward Jones and as a Financial Representative at North Western Mutual. Outside of his professional work, Nicholas has interests in baseball, comedy, football, golf, movies, and parenthood.

Nicholas Abdy is a financial advisor at UBS Financial Services with 22 years of industry experience. He has been with UBS since 2011 and holds a Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services and provides access to proprietary research and capital markets solutions.

Joshua Gigstad is a financial advisor with Thrivent Investment Management based in Tucson, AZ. He holds a Series 66 designation and has been with Thrivent since 2025. Outside of his advisory role, he coaches brass players in the Sabino High School Marching Band. 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 analyses and allows clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”

Ernesto Duran is a financial advisor at RBC Capital Markets in Tucson, AZ, holding a Series 66 designation with three years of industry experience. His work history includes roles at City National Bank, Doordash, Postmates, and Advantage Air Mechanical. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charities. The firm offers multiple advisory programs with discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services, tailoring strategies to each client’s risk profile and utilizing both in-house and third-party investment managers.

Scott Forgues is a CFP® with 19 years of industry experience, currently serving as a financial advisor at OSAIC since 2024. His prior experience includes roles at Securities America Advisors, Inc. and Kms Financial Services, Inc. He holds an Arizona Real Estate Broker license and occasionally facilitates personal real estate transactions for family members. OSAIC Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm combines brokerage and advisory services with advanced portfolio construction tools, offering access to multiple investment strategies and third-party money managers.

Alex Ramos is the Vice President and Wealth Planner at Fidelity Investments, a role he has held since 2018. He brings extensive experience in financial consulting and wealth planning, having worked with Fidelity Investments in various capacities since 1999, as well as a period at E*Trade Securities. Throughout his career, Alex has focused on understanding clients' family dynamics, goals, wishes, and priorities to help navigate financial decisions within the context of a comprehensive financial plan. His professional background includes multiple roles at Fidelity Investments, from Financial Representative to Vice President, Financial Consultant, and currently Vice President, Wealth Planner. Outside of his professional responsibilities, Alex enjoys family activities, golf, and hiking.

John Simonson is a financial advisor with Cetera, holding a Series 66 credential and one year of industry experience. He has worked at several firms, including Altium, Matthews Real Estate Investment Services, and Pacifica Real Estate Services, and currently is involved with FFEC Wealth Partners and Simonson Wealth Management in marketing and business development. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, and institutional accounts, offering portfolio management, financial planning, and access to third-party money managers through a multi-manager platform and various program structures.

Martin Philpot is a CFP® professional with 21 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked with Wells Fargo Advisors, LLC from 2014 to 2016. Outside of his advisory role, he owns and operates Classic Creations, LLC, a business focused on research and work on classic cars. 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.

Patrick Chaboya is a financial advisor at Equitable Advisors in Tucson, AZ, holding Series 63 and Series 66 licenses with eight years of industry experience. He has been with Equitable Advisors since 2018 and previously worked at AXA Advisors, LLC. In addition to his advisory role, he has been affiliated with the University of Arizona and Banner University Medical Centers since 2010. Equitable Advisors serves individual clients—including both non-high-net-worth and high-net-worth individuals—pension and profit-sharing plans, corporations, charitable organizations, and other institutions. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing a combination of proprietary and third-party advisory models.

Adriana Perez is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds the Series 66 designation and previously worked at Ameriprise for five years. Outside of her advisory role, she is involved with Twinspired Events & Decor. 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.

Derek Allsup is a financial advisor with Wells Fargo Clearing in Tucson, AZ, holding a Series 66 designation and 12 years of industry experience. His prior roles include positions at LPL Financial and National Bank of Arizona. Outside of advising, he is president of the Tangerine North Homeowner's Association and co-owns a graphic design business held within a family trust. 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 advice grounded in modern portfolio theory. The firm’s advisory process includes preparation of investment policy statements, plan benchmarking, and a broader range of financial product options including insurance-related vehicles and bank deposit sweep programs.

Joseph Sivilli is a financial advisor with Wells Fargo Advisors in Tucson, AZ, holding Series 63 and Series 65 licenses and having 11 years of industry experience. He has been with Wells Fargo Advisors Financial Network since 2015. Outside of his advisory work, he tutors in the Norwegian Critical Languages Program at the University of Arizona and is active as an artist, creating and selling his artwork. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services and integrates advisory services with other financial products and referral channels.

Alfonso Carreno II is a financial advisor with J.P. Morgan Securities in Tucson, AZ, holding Series 63 and Series 65 designations and with 19 years of industry experience. He has worked with JPMorgan Chase NA since 2007 and has served at J.P. Morgan Securities since 2012. Carreno is also the owner of Arca Investments LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its investment recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

Steven Magnuson is a CFP®-certified financial advisor with 11 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC from 2014 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 services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Chad Winn is a financial advisor at LPL Financial with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with firms including Waddell & Reed and various insurance carriers prior to joining LPL Financial in 2019. Winn also operates Winnme LLC, an entrepreneurial venture. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing discretionary and non-discretionary management supported by research, model portfolios, and technology-driven strategies.

Analicia Grant is a financial advisor with RBC Capital Markets in Tucson, AZ. She holds a Series 66 designation and has two years of industry experience, including prior roles at Edward Jones and Bank of America. Outside of finance, she is involved with Acknowledging the Lord, LLC, a business designing faith-based apparel and managing related social media marketing. RBC Wealth Management serves a wide range of clients from individual investors to institutions, offering discretionary and non-discretionary portfolio management, financial planning, and brokerage services. The firm customizes strategies based on client risk profiles, utilizing both in-house and third-party investment managers, and provides access to alternative investments and integrated capital markets capabilities.

Amy Lightner is a financial advisor with Primerica Advisors in Tucson, AZ, holding a Series 63 designation and 23 years of industry experience. She has been with Primerica Advisors since 2002 and has worked with Primerica Financial Services since 2000. Outside of advisory services, she is involved in sales of loan products and home security and automation referrals through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options under a wrap-fee structure. The firm evaluates unaffiliated asset managers and uses third-party providers for trading and custody, maintaining an operational model focused on curated third-party asset management.

Craig Mccrindle is a financial advisor with Wells Fargo Clearing in Tucson, AZ, holding Series 63 and Series 66 licenses and possessing 29 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, performance reporting, participant education, and plan benchmarking. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes both non-discretionary and discretionary options, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Abraham Islas is a financial advisor with Fidelity, holding a Series 66 designation and one year of industry experience. His prior experience includes roles at Gugliemo and Associates and Allworth Financial. Fidelity, through its Strategic Advisers LLC division, offers investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage portfolios across mutual funds, ETFs, and other investment vehicles.

Rebecca Johnson is a financial advisor with Ameriprise in Tucson, AZ, holding a Series 63 designation and bringing 40 years of industry experience. She has been with Ameriprise and its affiliate since 2005. Johnson serves on the Board of Directors for the Sahuaro Girl Scout Council SO Property Board. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team. The firm also offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.