Brett Andrews is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 26 years of industry experience. His prior work history includes roles at First Allied Advisory Services, Inc. and First Allied Securities, Inc. He is involved in several business activities outside of advisory services, including leadership and ownership roles in multiple financial and insurance-related firms, as well as education and consulting positions. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets.

Doris Guardiola is a financial advisor at Primerica Advisors with two years of industry experience. She holds Series 63 and Series 65 licenses and has a background that includes a long tenure at the Department of the Treasury from 1984 to 2024. Outside of her advisory role, she is involved in sales of loan products and home security referrals through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm employs a tiered wrap-fee structure and curates third-party asset managers while delegating trading responsibilities to BNY Mellon Advisors.

Courtney Schuh is a financial advisor with Cetera in Phoenix, AZ, holding Series 63 and Series 65 credentials and bringing 20 years of industry experience. Prior to joining Cetera in 2019, she worked for Foresters Financial Services and Foresters Advisory Services. She is also active in child advocacy through her involvement with the Arizona Parent Teacher Association. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting discretionary and non-discretionary accounts across various investment program structures.

Carl Alvarez is a financial advisor with Cambridge Investment Research Advisors holding a Series 66 designation and 12 years of industry experience. Prior to joining Cambridge in 2026, he spent over a decade with First Command in various advisory and financial planning roles. Alvarez is also the owner of Carl Alvarez Wealth Management, an independent wealth management firm based in Glendale, AZ. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and retirement-plan sponsors. The firm offers a range of financial planning and investment management services through independent Financial Professionals, utilizing multiple custody and platform arrangements and both proprietary and third-party investment strategies.

Kimberly Leach is a financial advisor with Ameriprise in Peoria, AZ, holding a Series 66 designation and 11 years of industry experience. She previously worked at Wedbush Securities Inc before joining Ameriprise Financial Services, Inc. and later Ameriprise. Leach is co-owner of Horizon Management Group LLC, a business related to managing her Ameriprise practice. Ameriprise offers retirement-income planning services targeted at individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to produce tailored recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Jonathan Miles is a financial advisor at Edward Jones with 20 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2006. The firm serves more than four million individual and institutional clients, offering a range of wealth management services including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. Edward Jones is noted for its extensive retail advisor network and affiliated capabilities such as a trust company and securities-based lending.

Crystal Leon is a financial advisor at Merrill with six years of experience in the industry and holds a Series 66 designation. Her prior work includes roles at Bank of America, N.A., Phillips Law Group, Anderson and Cabrera Law Group, and Regus Business Centers. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Savannah Hanepen is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 12 years of industry experience. Her previous roles include positions at Foresters Financial Services, MML Investors Services LLC, and MassMutual Life Insurance Company. Outside of finance, she is involved in modeling and acting with Signature Models and Talent Agency and performs as a dancer and interactive talent for various entertainment companies. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to affiliated and third-party managers.

Joseph Truscott is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds a Series 66 designation and has worked at firms including Wells Fargo and The Prudential Insurance Company of America. Truscott is based in Sun City, AZ. 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 brokerage, distribution, and investment management capabilities.

Thomas Delnoce is a financial advisor with Wells Fargo Advisors, holding Series 63, 65, and 66 licenses and bringing 50 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2011 and has operated his own advisory practice since 1993. He serves as a FINRA arbitrator in investment-related disputes on a monthly basis. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and planning services to individuals, trusts, and institutions. The firm offers a broad range of financial planning services that include specialized areas such as business-owner transition planning and special-needs analysis, delivering tailored recommendations through research and planning tools.

Michael Riviere is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2025. He has been with Fidelity Investments since 2014, progressing through positions including Financial Consultant, Investment Consultant, and Financial Representative. Michael works closely with clients to understand their financial situations and priorities, developing personalized strategies that align with their goals and preferences. He holds a California Insurance License. Michael integrates values such as loyalty, duty, respect, selfless service, honor, integrity, and personal courage into his professional and personal life. Outside of work, his interests include family activities, fitness, military service, motorcycles, pets, and scuba diving.

Efrain Ramirez is a financial advisor with Edward Jones in Peoria, AZ, holding a Series 66 designation and two years of industry experience. His prior work includes roles at ADP and USAA. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment strategies. The firm has over 23,700 financial advisors and manages approximately $1.01 trillion in assets, offering services such as discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Eric Peterson is a financial advisor at Cambridge Investment Research Advisors with Series 66 credentials. He has one year of industry experience, including prior roles at Northern Trust and Avenue North. Outside of financial services, he has experience working in the restaurant industry. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing both proprietary and third-party investment strategies across multiple platform arrangements.

David Todd is a financial advisor with Wells Fargo Clearing in Peoria, AZ, holding Series 63 and Series 65 designations and 37 years of industry experience. He has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, delivering both discretionary and non-discretionary services. The firm’s advisory process is driven by investment policy statements and modern portfolio theory, offering a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Ethan Meade is a Planning Consultant who develops engagement strategies tailored to each client's unique needs and collaborates with clients to construct individualized financial plans aimed at achieving their goals. He has professional experience as a Financial Analyst at RR Donnelley from 2023 to 2026 and as a Service Relationship Professional at Morgan Stanley from 2022 to 2023. Outside of his professional work, Ethan has interests in comedy, football, golf, movies, and traveling.

Denise Veerhusen is a financial advisor at Wells Fargo Clearing with 24 years of industry experience. She holds a Series 66 designation and has worked with Wells Fargo since 2009, including time at Wells Fargo Advisors LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Eva Obregon is a financial advisor at Osaic with 15 years of industry experience. She holds a Series 66 designation and has previously worked at Lincoln Financial Advisors and Edward Janulis. Outside of her advisory work, she provides notary public services as a free community offering and manages a separate legal entity to oversee business expenses. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm employs asset-allocation tools, risk-tolerance assessments, and efficient-frontier analysis to build diversified portfolios, offering a range of advisory platforms and third-party managed solutions.

Matthew Mac Lean is a financial advisor at Ameriprise with 21 years of industry experience. He holds the ChFC® and Series 66 designations and has worked at Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Mac Lean serves as president of Quenched, a nonprofit organization, and is a member of the Grand Canyon University College of Business Advisory Board. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, offering tailored, research-driven recommendations that integrate tax efficiency and adaptive withdrawal strategies. As a large institutional firm, Ameriprise also delivers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Cody Wheeler is a financial advisor at Fidelity with two years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley. Cody’s background also includes roles at the University of Arizona and Byrne and Jones. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across mutual funds, ETFs, and ETPs.

Adryana Geyser is a financial advisor at OSAIC with a Series 66 credential and two years of industry experience. Her prior work includes roles at Equitable Advisors and JPMorgan Chase & Co., as well as experience outside finance as a bartender at Civana Wellness Resort & Spa. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers and wrap programs. The firm utilizes a variety of asset-allocation tools and manages portfolios across multiple investment types, serving clients with both discretionary and non-discretionary account management options.