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.

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.