Derek Chow is a financial advisor with Fidelity, holding Series 63, 65, and 66 credentials and 31 years of industry experience. His prior roles include positions at Foreside Fund Services, International Value Advisers, XMS Capital Partners, Matthews International Capital Management, Voya Investment Management, Lincoln Financial Distributors, and Strong Capital Management. He is currently with Strategic Advisers LLC, a Fidelity company that provides investment management and advisory services to retail and institutional clients, including managing proprietary model portfolios through a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction.

Debra Coyle is a financial advisor at Ameriprise with 25 years of industry experience and holds a Series 66 designation. She has worked at Ameriprise and its related entities since 2009. Outside of her advisory role, she serves on the Board of Directors for the University of Michigan Tucson Alumni Club and officiates collegiate track and field meets for the University of Arizona athletics department several times a year. Ameriprise is a large institutional firm that provides retirement-income planning services and a broad range of advisory, brokerage, and insurance solutions. Its retirement-income service offers tailored, research-driven recommendations for clients generally holding significant investable assets, combining algorithmic tools with personalized financial advice.

James Wood is a Wealth Management Advisor with Merrill Lynch Wealth Management. He and his team, The Wood/Cuesta Group, provide financial coordination and customized wealth management strategies for families, corporate executives, and small business owners in Tucson, Arizona, and across the country. Their approach focuses on simplifying clients’ financial lives through a Goals Based Wealth Management process and collaborating with attorneys, tax professionals, and insurance experts to deliver comprehensive service. Beginning his career at Merrill Lynch in 2008, James has held roles including Client Associate in Phoenix and Client Relationship Manager in Indian Wells, California, before becoming a partner in the Wood Group in 2014. He holds a Bachelor's Degree from Arizona State University and has earned the Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA) designations. His areas of expertise include family wealth management, retirement planning, philanthropic planning, portfolio management, socially responsible investing, and tax minimization. James is active in his community as a board member of the Father's Day Council Tucson benefiting Type 1 Diabetes research, Rotary Club of Tucson, and DM50, a nonprofit supporting Davis-Monthan Air Force Base and its personnel. He also serves as an Honorary Commander for the Air Force base and participates in its Military Affairs Committee. Residing in Tucson, James prioritizes time with his family and enjoys sports, cooking, and golf.

Samuel Garrison is a CFP® and holds a Series 66 designation with eight years at Edward Jones and seven years of industry experience overall. Prior to joining Edward Jones in 2018, he worked at Huntingdon College and the National Council for Preservation Education. He is based in Tucson, AZ. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates through a nationwide network of more than 23,000 financial advisors and over 15,000 branch offices.

Jill Bosland is a financial advisor with Wells Fargo Clearing based in Tucson, AZ, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. Her prior roles include positions at PNC Investments, BBVA Wealth Solutions Inc., BBVA Securities Inc., BBVA Compass Insurance Agency, Inc., and Compass Bank. 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 grounded in modern portfolio theory and tailored to plan objectives and risk tolerances.

Earl Micklewright is a CFP® and holds a Series 66 license with nine years of industry experience. He has worked at Wells Fargo Clearing since 2017 and previously was employed at Larry H. Miller Dodge Ram Tucson from 2013 to 2017. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a combination of brokerage and advisory solutions supported by extensive research and analytics.

Nicholas Hough is a Financial Consultant at Fidelity Investments, where he partners with clients to understand their financial situations and co-create personalized financial plans. He holds the CERTIFIED FINANCIAL PLANNER® designation. Nicholas has been with Fidelity Investments since 2021, serving in various roles including Relationship Manager and Planning Consultant before becoming a Financial Consultant in 2024. Prior to joining Fidelity, he worked as a Financial Advisor at Edward Jones and as a Financial Representative at North Western Mutual. Outside of his professional work, Nicholas has interests in baseball, comedy, football, golf, movies, and parenthood.

Nicholas Abdy is a financial advisor at UBS Financial Services with 22 years of industry experience. He has been with UBS since 2011 and holds a Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services and provides access to proprietary research and capital markets solutions.

John Wilson Sr. is a financial advisor at Ameriprise with 12 years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones for six years before joining Ameriprise in 2019. Outside of advising, he co-owns an HVAC service and repair business as well as a real estate company. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research and modeling with tax-efficient withdrawal strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

Joshua Gigstad is a financial advisor with Thrivent Investment Management based in Tucson, AZ. He holds a Series 66 designation and has been with Thrivent since 2025. Outside of his advisory role, he coaches brass players in the Sabino High School Marching Band. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based analyses and allows clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”

Ernesto Duran is a financial advisor at RBC Capital Markets in Tucson, AZ, holding a Series 66 designation with three years of industry experience. His work history includes roles at City National Bank, Doordash, Postmates, and Advantage Air Mechanical. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charities. The firm offers multiple advisory programs with discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services, tailoring strategies to each client’s risk profile and utilizing both in-house and third-party investment managers.

James Dretler is a financial advisor at Morgan Stanley with 44 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials and has been with Morgan Stanley and its affiliates since 2009. He is based in Tucson, AZ. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes that utilize firm-approved tools and economic modeling techniques.

Scott Forgues is a CFP® with 19 years of industry experience, currently serving as a financial advisor at OSAIC since 2024. His prior experience includes roles at Securities America Advisors, Inc. and Kms Financial Services, Inc. He holds an Arizona Real Estate Broker license and occasionally facilitates personal real estate transactions for family members. OSAIC Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm combines brokerage and advisory services with advanced portfolio construction tools, offering access to multiple investment strategies and third-party money managers.

William Altruda is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 66 designations and has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by firm-approved tools and offers a range of investment and advisory services.

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.