Israh Gharib is a financial advisor with Cambridge Investment Research Advisors in Phoenix, AZ, holding a Series 66 designation and three years of industry experience. Prior to joining Cambridge, Israh worked at JPMorgan Securities LLC and JPMorgan Chase Bank, NA. Outside of finance, Israh has been involved with the Morgridge Center for Public Service and the Literacy Network. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals. The firm supports both discretionary and non-discretionary management and provides access to proprietary and third-party investment strategies.

Laura Olson is a financial advisor with Ameriprise in Glendale, AZ, holding Series 66 and Series 63 licenses and bringing 24 years of industry experience. She has been with Ameriprise and its affiliate since 2004. Outside of her advisory work, Olson is a co-owner of a personal fitness training business and is involved with New Life Community Church, supporting missionary activities and organizing mission services. Ameriprise Financial Services is a large diversified firm serving individual and institutional clients, offering specialized retirement income planning that includes written recommendation reports and ongoing advice focused on tax-aware withdrawal strategies and dependable income sources.

Eric Cook is a financial advisor with LPL Financial in Phoenix, AZ, holding a Series 66 designation and 24 years of industry experience. He previously worked at National Planning Corporation for 15 years before joining LPL Financial in 2017. In addition to his advisory role, Cook is involved in fixed insurance sales, including life, health, disability, and long-term care insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a network of over 22,800 advisors. The firm offers a range of financial planning, model portfolios, third-party asset management, and institutional platforms, combining advisory services with non-advisory financial products and extensive operational support tools.

Joshua Willard is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining OSAIC in 2024, he worked at Securities America Advisors, Inc. for over two decades and has been affiliated with Coghlan Financial Group, Inc. since 2007. Outside of his advisory role, Willard owns Willard Capital Consulting, which provides business office organization and workflow consulting. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients. The firm offers a range of brokerage and advisory services emphasizing model-based asset allocation and portfolio optimization, supported by a complex affiliate network and multiple program offerings.

Harry Calivas is a CFP® with 25 years of industry experience and has been with Wells Fargo Clearing since 2016. He is based in Peoria, AZ. Outside of his advisory role, he serves as a trustee for his parent's trust. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm offers both brokerage and advisory solutions, leveraging research and analytics to support portfolio diversification and investment evaluation.

Jeffrey Lamp is a financial advisor at Wells Fargo Advisors with 21 years of industry experience. He holds a Series 66 designation and has worked at several Wells Fargo affiliated firms since 2009, as well as Merrill from 2005 to 2009. Outside of his advisory role, he has ownership interests in JJL Capital LLC and OneWealth LLC, both investment-related businesses. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning solutions and integrates advisory services with other financial products and referral channels.

Cameron Whelan is a financial advisor with Fidelity in Phoenix, AZ, holding Series 63 and Series 66 licenses and 10 years of industry experience. He has worked with Fidelity and its brokerage services since 2015. Outside of his advisory role, he is involved in real estate renting and flipping. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a wide range of clients, including retail and institutional investors. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including model portfolios delivered to intermediary platforms.

Kevina Ramirez is a financial advisor at Fidelity with eight years of industry experience. She holds Series 63 and Series 66 designations. Prior to her current role, she has worked at Fidelity Brokerage Services LLC, Cognizant, and in the restaurant industry. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm serves a broad range of clients, including registered investment companies and charitable funds, and is noted for its use of systematic methodologies and oversight controls.

Humberto Yee Flores Jr. is a financial advisor at Edelman Financial Engines with 18 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at The Vanguard Group and Financial Engines Advisors. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven modeling process combined with planner delivery and online tools, offering diversified portfolios and fiduciary services for retirement accounts.

Michelle Miller is a financial advisor at Fidelity with 16 years of industry experience. She holds Series 66 and Series 63 licenses and has previously worked at The Vanguard Group, Inc. for 13 years and Peloton Interactive for one year. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base including retail and institutional investors. The firm employs a blend of proprietary fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs, and maintains a formal advisory role to multiple registered investment companies.

Zachary Lichlyter is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities since 2024. Outside of his advisory role, he manages a residential rental property through his ownership of ZNL Rentals LLC. J.P. Morgan Securities provides institutional consulting services focused on asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. Their advisory process integrates quantitative and qualitative research supported by a manager solutions team and includes capabilities in derivatives and commodities through related affiliates.

Monessa Duran is a financial advisor at LPL Financial with 15 years of industry experience. She holds Series 63 and Series 65 credentials and has previously worked at The Vanguard Group and Bancwest Investment Services. Duran is also affiliated with BMO Bank NA in an advisory capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services through a broad network of advisers, utilizing both proprietary and third-party strategies across discretionary and non-discretionary accounts.

James Vaccaro is a financial advisor with Ameriprise in Glendale, AZ, holding Series 63 and Series 66 licenses and bringing 38 years of industry experience. His prior roles include positions at First International Bank and Trust, LPL Financial, Arizona Bank and Trust, and BMO Harris. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning with a written Recommendation Report and ongoing advice based on proprietary research and third-party data.

Christina Riffle is a financial advisor at Wells Fargo Clearing with nine years of industry experience. She holds a Series 66 designation and has been with Wells Fargo in various roles since 2002. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of investment advisory services, financial planning, and retirement plan consulting, employing research and analytics guided by diversification principles and modern portfolio theory.

Tyson Dredge is a Planning Consultant at Fidelity Investments. In his current role, he works closely with clients to develop comprehensive financial plans and clear investment strategies tailored to their unique priorities. Tyson emphasizes the importance of building genuine relationships and ensuring client confidence in their financial decisions. He began his tenure at Fidelity Investments in 2022 as a Workplace Planning Consultant 2 before advancing to his current position in 2023. Prior to that, Tyson worked as a Senior Financial Service Representative 3 at Mountain America Federal Credit Union from 2016 to 2022. Outside of his professional career, Tyson enjoys activities such as visiting the beach, playing board games, fitness, scuba diving, and traveling.

Robert Anderson is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and 17 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at Jpmorgan Chase Bank, N.A. since 2009. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their advisory process combines quantitative screening and qualitative research to offer written asset allocation advice, investment manager searches, and customized performance reporting.

Andrew Tuell is a financial advisor with LPL Financial in Peoria, AZ, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. His prior roles include nine years at Lincoln Financial Advisors and three years at Equitable Advisors. Tuell also operates a business entity for tax and investment purposes under his name. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management access, and institutional platforms, supported by a network of over 22,800 advisors.

Brittinie Saylor is a financial advisor at LPL Financial in Phoenix, AZ, holding Series 63 and Series 65 licenses with seven years of industry experience. She has previously worked at Ameriprise and Waddell & Reed among other firms. She is also a commissioned notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies supported by advanced operational tools.

Stephen Arntson is a financial advisor at J.P. Morgan Securities with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Questar Asset Management and Raymond James Financial Services. J.P. Morgan Securities provides institutional consulting services focused on asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. The firm’s advisory process combines quantitative and qualitative research and may incorporate ESG criteria, with implementation support from affiliated investment-management entities.

Brittany Trapasso is a financial advisor with Merrill in Phoenix, AZ, holding a Series 66 designation and bringing 12 years of industry experience. She has been with Merrill since 2013 and concurrently with Bank of America since 2014. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.