Derek Skains is a financial advisor at OSAIC with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Securities America Advisors and Raymond James Financial. Outside of advisory work, he collects royalties from family land in Louisiana and serves as president of Skains Investment Partners, an insurance-related business. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm uses model-based asset allocation and portfolio optimization tools to support discretionary and advisor-managed investment strategies.

Clifford Selsor III is a financial advisor at Edward Jones in Peoria, AZ, holding a Series 66 designation with 12 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and is notable for its large network of advisors and branch offices, as well as its affiliated capabilities beyond traditional advisory services.

Scarlet Filmore is a CFP® professional with 17 years of experience in the financial services industry. She has worked at Ameriprise since 2018, following roles at 1st Global Advisors Inc., 1ST Global Capital Corp., and Monheit Financial Group. Outside of her advisory work, she is involved with Young Living Essential Oils, where she occasionally purchases products for personal use. Ameriprise provides retirement-income planning services tailored to clients approaching or in retirement, typically those with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Jacqueline Villa is a financial advisor at OSAIC Wealth Inc with 19 years of industry experience. She holds the Series 66 designation and has previously worked at Cetera, Woodbury Financial Services, National Planning Corporation, and the Airforce Department of State. She is also involved with Phoenix Financial Group, where she performs administrative and client service duties. OSAIC Wealth serves a diverse range of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization, with options for discretionary or advisor-managed strategies and access to third-party money managers.

Matthew Goldman is a financial advisor with Charles Schwab in Peoria, AZ, holding Series 63 and Series 65 licenses and four years of industry experience. His prior work includes roles at Charles Schwab Bank and Yard House, as well as public service with the Jurupa Community Services District. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering both non-discretionary investment guidance and access to discretionary separately managed accounts through an integrated and large-scale operational platform.

Tyler Zavala is a CFP® with seven years of industry experience, currently affiliated with LPL Financial since 2022. He previously worked at AE Wealth Management, LLC and Independent Wealth Management. In addition to his advisory role, Zavala is involved in tax preparation and accounting through his work with Rock Martin Private Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individual and institutional clients through a large network of advisors. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supporting advisors with advanced research and operational tools.

Miguel Hernandez Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and six years of industry experience. He has worked at J.P. Morgan Securities since 2019 and has been with JPMorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Alan Conrad is a financial advisor with Raymond James Financial in Goodyear, AZ. He holds the Series 66 designation and has one year of industry experience. Prior to joining Raymond James, he worked in various roles including positions at Family Tree Health Care and Prospect Blue. He owns Blue Sky Financial Services PLLC, through which he operates as an independent contractor for Raymond James. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, and institutional investors. The firm offers tailored, non-discretionary advisory services and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Michael Kincaid is a financial advisor with LPL Financial in Phoenix, AZ, holding Series 63 and Series 65 credentials and 28 years of industry experience. His prior roles include positions at OneAZ Credit Union, New York Community Bank, UBS Financial Services, and KeyBanc Capital Markets. Outside of his advisory work, he is part owner of a gymnastics and cheerleading facility with his wife. 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 financial planning, model portfolio programs, third-party asset management access, and institutional platforms, utilizing a range of customizable investment strategies and advisor support tools.

Christine Villacis is a Series 66-registered financial advisor at Merrill with four years of industry experience. She has worked at Bank of America since 2022 and has been with Merrill since 2005. Outside of her advisory role, she operates a sole proprietorship related to raising backyard chickens as a hobby with her son. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jason Covington is a CFP® professional with 25 years of experience in the financial services industry. He is currently with Cetera and has previously worked at Schwab Private Client Investment Advisory, Inc. and Charles Schwab. He is also the owner of Covington Wealth Strategies LLC, which operates as a DBA for his Cetera business. Cetera Investment Advisers LLC is an SEC-registered advisory firm serving a broad client base that includes individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management and consulting services, serving over 10,000 advisors and managing more than $256 billion in assets.

Jason Peterson is a financial advisor at Edward Jones with 12 years of industry experience. He has held his position at Edward Jones since 2013. Outside of his advisory role, he owns two consulting businesses focused on business development and energy optimization. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of investment strategies and advisory services supported by a large network of financial advisors and branch offices nationwide.

Charles McGrath Jr. is a CFP® with 30 years of experience in the financial services industry. He is currently with LPL Financial and previously worked at Lincoln Financial Advisors Corporation, Avantax, and 1st Global Advisors. In addition to his advisory role, he has extensive experience as a CPA and tax professional, and he also serves as a soccer referee and instructor for tax software. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a wide range of financial planning and investment management services through a large network of advisors and utilizes various investment platforms and operational tools.

George Denham is a financial advisor at Edelman Financial Engines with two years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including OneAmerica Securities, American United Life, Pembroke Financial Services, and Bordier & Cie (UK). Edelman Financial Engines provides technology-enabled investment advisory and financial planning services for individual investors, retirement-plan participants, and institutional clients. The firm combines proprietary modeling with planner delivery and online tools, offering diversified portfolios, periodic rebalancing, and fiduciary oversight under ERISA and DOL guidelines.

Vincent Fitzpatrick is a CFP®-designated financial advisor with Edward Jones in Surprise, AZ, bringing 25 years of industry experience. Before joining Edward Jones in 2018, he worked at Scottrade for five years. Outside of his advisory work, he serves as a golf course ranger at Granite Falls Golf Course on weekends. Edward Jones is a full-service wealth management firm serving over four million clients, including individuals, institutions, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated funds, operating under a fiduciary standard.

Michael Ulrich is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since beginning his career in wealth management in 1999, Michael has focused on serving high net worth retirees, corporate executives, business owners, and philanthropists. He utilizes the Total Merrill platform as the foundation for his work with clients, creating personalized wealth management strategies aimed at pursuing long-term financial goals. Michael holds a Bachelor's Degree from Northern Arizona University and an Accredited Certificate from Ottawa University. He has earned professional designations including Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He joined Merrill in 2005 and has been recognized on the Forbes Best-in-State Wealth Advisors list in 2022, 2023, 2024, 2025, and 2026. Outside of his professional role, Michael is involved in community organizations such as the Dysart Education Foundation, Der Valley Unified School District #97, St. Jude's Children Hospital, and Stars FC USL2 Soccer. His personal interests include golfing, photography, soccer, swimming, and spending time with his family.

Michael Van Horn is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo in various capacities since 2006, including ten years at Wells Fargo Clearing and nearly 20 years at Wells Fargo Bank. His prior experience also includes a position at Chase Investment Services Corp. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with services that include investment advisory, financial planning, and retirement plan consulting. The firm employs over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions supported by in-house research and third-party analytics.

Lance Baxter is a CFP® and holds a Series 66 designation, with 11 years of experience in the financial industry. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

John Rinehart is a financial advisor at Ameriprise with 13 years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones for 13 years before joining Ameriprise. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides retirement planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Erica Molina is a CFP® professional with 22 years of industry experience, currently serving with Cambridge Investment Research Advisors. Her prior roles include positions at The Vanguard Group, Charles Schwab, and USAA Financial Planning Services. In addition to her financial advisory work, she is an independent travel advisor. Cambridge Investment Research Advisors serves a diverse client base, including individual and institutional clients, by offering financial planning, investment management, and retirement-plan advisory services through various platforms and proprietary model strategies.