Alex Ramos is the Vice President and Wealth Planner at Fidelity Investments, a role he has held since 2018. He brings extensive experience in financial consulting and wealth planning, having worked with Fidelity Investments in various capacities since 1999, as well as a period at E*Trade Securities. Throughout his career, Alex has focused on understanding clients' family dynamics, goals, wishes, and priorities to help navigate financial decisions within the context of a comprehensive financial plan. His professional background includes multiple roles at Fidelity Investments, from Financial Representative to Vice President, Financial Consultant, and currently Vice President, Wealth Planner. Outside of his professional responsibilities, Alex enjoys family activities, golf, and hiking.

Stephanie Ruehl is a financial advisor at Morgan Stanley with three years of industry experience. Prior to joining Morgan Stanley in 2022, she worked at General Motors for seven years. She holds the Series 65 and Series 63 designations. Ruehl also serves as a trustee or co-trustee of a trust in Marana, Arizona. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment modeling in its financial planning process.

Donna Crawford is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. She holds the Series 66 designation and has worked at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, and Chase Investment Services Corp. since 2006. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Tom Binder is a financial advisor with Wells Fargo Advisors in Tucson, AZ, holding a Series 66 designation and 29 years of industry experience. His prior roles include positions at City National Bank, RBC Capital Markets, and Merrill Lynch. Wells Fargo Advisors is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services and utilizes proprietary research and tools to develop tailored recommendations delivered through meetings and client summary letters.

John Simonson is a financial advisor with Cetera, holding a Series 66 credential and one year of industry experience. He has worked at several firms, including Altium, Matthews Real Estate Investment Services, and Pacifica Real Estate Services, and currently is involved with FFEC Wealth Partners and Simonson Wealth Management in marketing and business development. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, and institutional accounts, offering portfolio management, financial planning, and access to third-party money managers through a multi-manager platform and various program structures.

Martin Philpot is a CFP® professional with 21 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked with Wells Fargo Advisors, LLC from 2014 to 2016. Outside of his advisory role, he owns and operates Classic Creations, LLC, a business focused on research and work on classic cars. 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 grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Patrick Chaboya is a financial advisor at Equitable Advisors in Tucson, AZ, holding Series 63 and Series 66 licenses with eight years of industry experience. He has been with Equitable Advisors since 2018 and previously worked at AXA Advisors, LLC. In addition to his advisory role, he has been affiliated with the University of Arizona and Banner University Medical Centers since 2010. Equitable Advisors serves individual clients—including both non-high-net-worth and high-net-worth individuals—pension and profit-sharing plans, corporations, charitable organizations, and other institutions. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing a combination of proprietary and third-party advisory models.

Adriana Perez is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds the Series 66 designation and previously worked at Ameriprise for five years. Outside of her advisory role, she is involved with Twinspired Events & Decor. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Derek Allsup is a financial advisor with Wells Fargo Clearing in Tucson, AZ, holding a Series 66 designation and 12 years of industry experience. His prior roles include positions at LPL Financial and National Bank of Arizona. Outside of advising, he is president of the Tangerine North Homeowner's Association and co-owns a graphic design business held within a family trust. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm’s advisory process includes preparation of investment policy statements, plan benchmarking, and a broader range of financial product options including insurance-related vehicles and bank deposit sweep programs.

Joseph Sivilli is a financial advisor with Wells Fargo Advisors in Tucson, AZ, holding Series 63 and Series 65 licenses and having 11 years of industry experience. He has been with Wells Fargo Advisors Financial Network since 2015. Outside of his advisory work, he tutors in the Norwegian Critical Languages Program at the University of Arizona and is active as an artist, creating and selling his artwork. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services and integrates advisory services with other financial products and referral channels.

Deborah Kerr is a financial advisor with Thrivent Investment Management in Tucson, AZ, holding Series 63 and Series 65 licenses and having 23 years of industry experience. Her prior roles include positions at Vanguard Investment Group and Journey Advisory Group, LLC. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial planning without discretionary trading authority. The firm offers ongoing and one-time planning engagements covering a wide range of topics, and clients can combine planning with managed accounts through a consolidated billing option called WealthPlan.

Alfonso Carreno II is a financial advisor with J.P. Morgan Securities in Tucson, AZ, holding Series 63 and Series 65 designations and with 19 years of industry experience. He has worked with JPMorgan Chase NA since 2007 and has served at J.P. Morgan Securities since 2012. Carreno is also the owner of Arca Investments LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its investment recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

Steven Magnuson is a CFP®-certified financial advisor with 11 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC from 2014 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Jazlee Cossio is a Senior Financial Advisor with Merrill Lynch Wealth Management. She joined Merrill Lynch in 2019 and works with individuals, families, foundations, corporations, and business owners to deliver customized wealth management strategies. Her approach emphasizes understanding clients’ financial, business, and personal life goals, incorporating factors such as risk tolerance, time horizon, and liquidity needs to provide tailored solutions. Her expertise includes retirement income planning, portfolio and risk management, 401(k) retirement plans, alternative investments, wealth transfer and legacy planning, long-term care, and lending services through Bank of America, N.A. Jazlee holds a Bachelor's degree from the University of Arizona, where she studied International Studies with minors in Business Administration and Spanish. She carries professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Prior to her financial advisory career, she worked for nearly a decade in Wine and Liquor sales across Southern Arizona. Originally from Phoenix, Arizona, Jazlee relocated to Tucson in 2004 and is active in the local community, serving as Vice President of her neighborhood association. She is married with two daughters and two French Bulldogs. Outside of work, she enjoys cooking, dancing, music, traveling, yoga, and spending time with her family.

Chad Winn is a financial advisor at LPL Financial with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with firms including Waddell & Reed and various insurance carriers prior to joining LPL Financial in 2019. Winn also operates Winnme LLC, an entrepreneurial venture. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing discretionary and non-discretionary management supported by research, model portfolios, and technology-driven strategies.

Analicia Grant is a financial advisor with RBC Capital Markets in Tucson, AZ. She holds a Series 66 designation and has two years of industry experience, including prior roles at Edward Jones and Bank of America. Outside of finance, she is involved with Acknowledging the Lord, LLC, a business designing faith-based apparel and managing related social media marketing. RBC Wealth Management serves a wide range of clients from individual investors to institutions, offering discretionary and non-discretionary portfolio management, financial planning, and brokerage services. The firm customizes strategies based on client risk profiles, utilizing both in-house and third-party investment managers, and provides access to alternative investments and integrated capital markets capabilities.

Carol Ruehl is a financial advisor with Morgan Stanley in Tucson, Arizona, holding Series 63 and Series 65 designations and over 20 years of industry experience. She has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Amy Lightner is a financial advisor with Primerica Advisors in Tucson, AZ, holding a Series 63 designation and 23 years of industry experience. She has been with Primerica Advisors since 2002 and has worked with Primerica Financial Services since 2000. Outside of advisory services, she is involved in sales of loan products and home security and automation referrals through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options under a wrap-fee structure. The firm evaluates unaffiliated asset managers and uses third-party providers for trading and custody, maintaining an operational model focused on curated third-party asset management.

Craig Mccrindle is a financial advisor with Wells Fargo Clearing in Tucson, AZ, holding Series 63 and Series 66 licenses and possessing 29 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, performance reporting, participant education, and plan benchmarking. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes both non-discretionary and discretionary options, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Abraham Islas is a financial advisor with Fidelity, holding a Series 66 designation and one year of industry experience. His prior experience includes roles at Gugliemo and Associates and Allworth Financial. Fidelity, through its Strategic Advisers LLC division, offers investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage portfolios across mutual funds, ETFs, and other investment vehicles.