Rachel Covey is an Investment Consultant at Fidelity Investments, a position she has held since 2026. She has been with Fidelity Investments since 2022, progressing through roles including Investment Management Consultant II, Investment Management Consultant I, Central Relationship Manager, and High Net Worth Service Associate. Prior to joining Fidelity, Rachel worked as an Insurance Agent and Registered Representative at New York Life Insurance Company from 2020 to 2022. Rachel is a Certified Financial Planner dedicated to assisting clients in achieving their personal life goals through financial wellness. She emphasizes an approachable and committed approach to guiding individuals through their financial journeys with confidence and clarity. Outside of her professional work, Rachel enjoys activities involving family, fitness, food, pets, reading, and traveling.

Chad Horton is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing 24 years of experience in serving a multi-generational clientele across Arizona and more than 20 other states. His practice focuses on working with active and retired business owners, corporate executives, and physicians, particularly during times of transition such as retirement or changes in family status. Chad emphasizes personalized financial strategies that align with clients’ risk tolerance, liquidity needs, and long-term objectives. Chad holds a Bachelor's Degree from Arizona State University and earned the Certified Investment Management Analyst (CIMA®) certification, along with the Personal Investment Advisor (PIA) designation. He integrates Merrill Lynch’s strategies and research to customize client portfolios and collaborates closely with clients’ CPAs and attorneys to support tax minimization and estate planning. Chad prioritizes clear communication with both spouses and addresses issues such as Social Security, long-term care, healthcare costs, and tax-efficient wealth transfer in his comprehensive advisory approach. Originally from Phoenix, Chad grew his interest in investments early, which he further developed at Arizona State University. He lives in Tucson with his wife and two children. Outside of work, Chad enjoys spending time with his family, hiking, and working as a handyman.

Steven Dalton is a CFP® and ChFC® credentialed advisor with 18 years of industry experience. He is currently affiliated with Cetera and has held prior roles at Cambridge Investment Research and Brophy Wealth Management. Dalton serves as a board member of the Mary Gale Foundation, which provides financial assistance to elderly women in Manchester, NH. Cetera Investment Advisers LLC is an SEC-registered adviser operating a multi-manager platform that serves individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, and access to third-party money managers through a variety of program structures and custodial relationships.

Robert Edwards is a financial advisor at LPL Financial with 24 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Planmember Securities Corporation for 11 years. Edwards is also involved in a direct sales venture, Super Health Pioneers, LLC, outside of his investment advisory activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, various advisory programs, and retirement plan consulting, utilizing discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

Jessica Conner is a financial advisor at Charles Schwab with seven years of industry experience. She has been with Charles Schwab & Co. Inc. since 2017 and previously worked at The Learning Journey International. Outside of financial advising, she also engages in freelance graphic design projects. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Kirsten Dawson is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. She has held positions at Wells Fargo Bank, CIT Bank, Bank of the West, BMO Harris Bank, and Mission Federal Credit Union. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial products than typical institutional advisors, such as insurance-related vehicles and bank deposit sweep options.

Timothy Sinclair is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan in various roles since 2013. Outside of his advisory work, he serves as an elder on the board of Holy Cross Presbyterian Church in Tucson, AZ, where he participates in financial decision-making for the nonprofit. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations to deliver comprehensive financial services.

Stacy Quiri is a CFP® and holds a Series 66 license, with 18 years of experience in the financial services industry. She has worked at RBC Capital Markets since 2017, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. 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 variety of advisory programs tailored to client risk profiles, utilizing a combination of in-house and third-party investment managers and flexible portfolio management options.

Karen Carter is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 17 years of industry experience. She has been with Wells Fargo Clearing since 2016 and with affiliated Wells Fargo firms since 2009. Outside of her advisory role, she owns and operates a cake decorating business and works as a mystery shopper and delivery driver. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, retirement plan consulting, and brokerage solutions to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors, utilizing research and analytics from its investment institute alongside diversification and modern portfolio theory in its approach.

Emily Wade is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at Ameriprise since 2022. Her prior roles include positions at The Ameriflex Group, Sagepoint Financial, and Voya Financial Advisors. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to support client planning, delivering recommendations through a centralized consulting team.

Brandon Rinker is a financial advisor with Merrill in Tucson, AZ. He holds a Series 66 designation and has been in the industry for less than one year. His prior work experience includes multiple roles at Carmax and Bank of America. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Roberto Leyva is a financial advisor with Wells Fargo Clearing in Tucson, AZ, holding a Series 66 designation and 14 years of industry experience. He has been with Wells Fargo and its affiliates since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Randal Cox is a financial advisor with RBC Capital Markets in Tucson, AZ, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has worked at RBC Capital Markets since 2008 and at City National Bank since 2018. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a wide range of clients including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, tailoring strategies to client risk profiles and utilizing both in-house and third-party investment managers.

Mario Molina is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. for much of his career, with a brief tenure at Morgan Stanley. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm delivers its program on a non-discretionary basis, combining institutional advisory capabilities with brokerage and investment management services.

William Babicke is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 36 years of industry experience. His career includes long tenures at MetLife Securities Inc. and Metropolitan Life Insurance Company before joining Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company. Babicke is also an independent insurance agent specializing in life, accident, and health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, emphasizing collaborative, annual planning engagements that focus on investment strategies rather than specific product selections.

Richard Burrows is a financial advisor at Wells Fargo Clearing with 45 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

David Hermann is a financial advisor at LPL Financial with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Ameriprise and MassMutual in various capacities. Outside of his advisory role, he is involved with Evexias Health Solutions in Tucson, AZ. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Thomas Mccausland III is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 credentials and having 43 years of industry experience. He has been with RBC Capital Markets since 2008. Mccausland has served on the board of the Tucson Conquistadores Foundation, which supports Southern Arizona youth athletic programs. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers customized advisory programs and portfolio management services, utilizing both in-house and third-party investment managers while providing access to a wide range of investment options.

Biancha Infante is a financial advisor with Wells Fargo Clearing in Tucson, AZ, holding a Series 66 designation and eight years of industry experience. She has worked at Wells Fargo Clearing since 2017 and previously at CUNA Brokerage Services, Inc. from 2016 to 2017. Outside of advising, she owns Soledad Studios LLC, a photography business based in Oro Valley, AZ. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Richard Johnson is a financial advisor at Merrill with 40 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Merrill since 2003 and Bank of America, N.A. since 2011. Outside of advising, he is a co-owner of a family rental property. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional investors, offering managed account programs, discretionary portfolio management, and brokerage execution services. The firm integrates closely with Bank of America affiliates and emphasizes manager selection, monitoring, and tax-efficient investment strategies.