Jonathan Rafferty is a Financial Advisor with Merrill Lynch Wealth Management. He began his career in financial services in 2013 and holds the Personal Investment Advisor (PIA) designation. Jonathan has an Associate degree in Pre-Business from New Mexico State University and has also attended Colorado State University and Liberty University, although no degrees were conferred from these institutions. Jonathan's expertise encompasses college education planning, legacy planning, managing new wealth, personal retirement planning, tax minimization, and retirement income. He works closely with clients to define their financial goals and develop portfolio strategies tailored to their needs, providing ongoing advice to adapt to changing circumstances. Originally from Colorado Springs, Jonathan grew up in an Air Force family and was medically discharged from the U.S. Air Force Reserve while attending college. He is active in community initiatives, volunteering with organizations such as Habitat for Humanity, Junior Achievement, and RSL-AZ Southern Arizona. Outside of work, he enjoys spending time with his family, participating in various sports, running, cooking, and music.

Yamen Fellah is a financial advisor at Raymond James Financial with 15 years of industry experience. He holds a Series 66 designation and has previously worked at Edward Jones and Merrill. Fellah serves as a Finance and Investment Committee Member for the Community Foundation of Southern Arizona. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and uses analytical tools to support client goals, while also maintaining specialized services such as municipal advisory and SIMPLE IRA Employer Advisory programs.

Kimberly Watkinson is a financial advisor at RBC Capital Markets with 11 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Wells Fargo Bank, Wells Fargo Clearing, Fidelity Investments, and WELLS FARGO Advisors. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers a range of advisory programs with tailored portfolio management and financial planning services, utilizing both in-house and third-party investment managers.

Sara Watson is a Planning Consultant at Fidelity Investments, a role she has held since 2025. She has experience in various capacities within the financial services industry, including positions as a Relationship Manager at Fidelity Investments, Operations Specialist II at TCI Wealth Advisors, Client Services Associate at UBS Financial Services, and Financial Representative at Fidelity Investments. This range of experience has provided her with practical knowledge in client relationship management, operations, and financial planning. Sara holds a background in Philosophy and an MBA, which she integrates into her professional approach to financial consulting. Her method emphasizes ethical insight and strategic thinking to assist clients in making informed, value-driven financial decisions. She focuses on combining critical analysis with practical financial expertise to deliver personalized planning that supports clients' long-term goals. Outside of her professional commitments, Sara's interests include board games, concerts, family activities, social events, music, and parenthood.

Cathleen Pike is a financial advisor with RBC Capital Markets, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC, with a long tenure at Wells Fargo Bank, NA. Outside of her advisory role, she manages several long-term and short-term rental properties in Tucson, AZ. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individuals, institutions, corporations, and nonprofit organizations. The firm offers tailored investment programs combining in-house and third-party managers, with options for portfolio customization and integrated financial services.

Geoffrey Miller is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Outside of his advisory role, he is a member of Revivify Capital Fund 1, LLC, and is involved with the Arizona Captive Insurance Association, which promotes Arizona as a captive insurance domicile. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, providing tailored financial planning and estate planning services supported by firm-approved tools and a structured discovery process.

Brian Crawford is a financial advisor with Wells Fargo Advisors in Tucson, AZ, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His prior roles include positions at Wells Fargo Advisors LLC and Wells Fargo Clearing. Outside of his advisory work, he is involved as an investment committee member for the Rotary of Tucson and has ownership interests in NALLY JAMES PLLC and CRAWFORD GP LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services that address a wide range of planning needs, including niche areas such as business-owner transition and special-needs analysis. The firm offers tailored recommendations supported by proprietary research and planning tools, with flexible implementation options through brokerage or advisory programs.

Luke Kacer is a financial advisor with Ameriprise in Tucson, AZ, holding Series 63 and Series 65 credentials and four years of industry experience. Prior to Ameriprise, he worked at Northwestern Mutual in various roles including wealth management, investment services, and life insurance. He was also employed by the University of Arizona for five years. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service offering retirement planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Jeff Dinning is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2023. He has been with Fidelity Investments since 2016, progressing through roles including Financial Consultant, Investment Consultant, and Relationship Manager. Prior to Fidelity, Jeff held financial advisory and management roles at Lincoln Financial, Merrill Lynch, Bank of America, Wells Fargo Financial, and Chase. With over 20 years of experience in financial services, Jeff specializes in developing customized financial plans that align with clients' unique goals and adapt to their changing needs across different life phases. He is a Certified Financial Planner™ practitioner and a University of Arizona graduate. Outside of his professional work, Jeff enjoys activities such as biking, fitness, hiking, music, snowboarding, and traveling.

Pablo Sandoval is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 13 years of industry experience. He previously worked at Merrill and PNC Financial before joining J.P. Morgan in 2024. Outside of finance, he owns a DJ services business, Bring the Entertainment LLC, based in Tucson, AZ. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, providing investment consulting and advisory services through a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Kalila Munoz is a financial advisor at Equitable Advisors with one year of industry experience. She holds Series 63 and Series 65 licenses. Her prior work includes roles at Agero, Inc., Adecco USA, DoorDash, Fry's Food Stores, and Pima Community College. Equitable Advisors serves individuals across a range of wealth levels, as well as pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management programs through a network of Investment Adviser Representatives and third-party managers.

Andrew Wirth is a financial advisor with Wells Fargo Clearing in Tucson, AZ, holding a Series 66 designation and 20 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. Outside of his advisory role, he serves as co-trustee of his mother’s revocable trust. 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 includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Sal Cabibo is a Financial Consultant currently working at Fidelity Investments. He collaborates with a diverse group of clients to create personalized financial plans that align with their values and objectives. Sal is committed to helping clients work towards financial success and security by providing dedicated service and support. His professional experience includes roles as an Investment Consultant, Relationship Manager, and Financial Representative at Fidelity Investments, spanning from 2021 to the present. Prior to this, he worked as a Private Client Banker at JPMorgan Chase Bank from 2018 to 2021 and as a Financial Professional at AXA Advisors from 2015 to 2018. Outside of his professional work, Sal enjoys activities such as baseball, spending time with family and friends, attending social events, and traveling.

Kathleen Witt is a financial advisor at Raymond James Financial Services Advisors, Inc. with 39 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Raymond James since 2012. Witt serves as a member of the finance subcommittee on the advisory board of Pima College. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and uses analytical tools to support client goals, with specialized services in municipal and public finance.

Jeffrey Belokin is a financial advisor at OSAIC with 17 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Woodbury Financial Services and Questar Capital Corporation. He is also involved as an insurance agent specializing in fixed, life, disability, and long-term care insurance. OSAIC serves a diverse client base ranging from individual investors to institutions and offers integrated brokerage and advisory services through a large network of financial advisers. The firm employs a range of asset-allocation tools and third-party platforms to construct portfolios across various asset classes, managing accounts on both discretionary and non-discretionary bases.

Nicole Vance Rowe is a CFP® with 20 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. She previously worked at Ameriprise Financial Services, Inc. for 14 years. 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 a written Recommendation Report and ongoing annual planning advice focused on retirement income strategies and tax-aware withdrawals.

Jason Marchant is a Vice President Private Wealth Management Advisor at Fidelity Investments. In this role, he partners with clients and their families to understand their goals and develop personalized wealth strategies. He coordinates the involvement of a team including an Investment Manager, Planning Consultant, and members of the Advanced Planning team to provide service to his clients. Jason has been with Fidelity Investments since 1998 and has held several positions within the company. His experience includes roles as Vice President, Financial Consultant; Financial Planning Consultant; Retirement Income Planner and Account Executive; and Investments Representative. He holds an insurance license in Arkansas. No additional information regarding education or personal interests was provided.

La Shaun Shelby is a financial advisor with Cetera, holding a Series 66 designation and three years of industry experience. She has worked with multiple Cetera entities since 2020 and is involved in divorce financial planning through Divorce Financial Consultants, LLC. Shelby also serves as a youth director at Rising Star Missionary Baptist Church in Tucson, AZ. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supported by a large network of over 10,000 advisors.

Frank Almada is a Financial Consultant at Fidelity Investments, a position he has held since 2024. Prior to this role, he served as an Investment Consultant at Fidelity Investments from 2023 to 2024. Frank has extensive experience in the financial services industry, having worked as a Senior Financial Advisor at Union Capital Company from 2018 to 2023 and as an Operations Manager at the same firm from 2014 to 2018. His professional focus includes providing personalized financial guidance and co-creating financial plans that align with clients' priorities. Frank emphasizes an educational approach to financial planning, utilizing Fidelity's technology, insights, and principles to support clients and their families. Further details regarding his education, credentials, personal interests, or community involvement were not provided.

J Martinez is a financial advisor with RBC Capital Markets in Tucson, AZ, holding a Series 66 designation and bringing 23 years of industry experience. Prior to joining RBC in 2017, he worked at UBS Financial Services for 12 years. He serves on the boards of several local nonprofit organizations, including the Educational Enrichment Foundation and the Cascade Foundation of Southern Arizona. RBC Wealth Management serves individual and institutional clients with tailored investment strategies and a range of advisory programs, combining in-house and third-party managers to implement portfolios according to client risk profiles.