Miguel Hernandez Jr. is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2019, having also worked at JPMorgan Chase Bank, N.A. since 2012. 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.

Alan Conrad is a financial advisor with Raymond James Financial in Goodyear, AZ, holding a Series 66 designation and one year of industry experience. He has previously worked at various organizations including Prospect Blue, Family Tree Health Care, Phoenix Children's Hospital, and academic institutions such as Arizona State University and Estrella Mountain Community College. He is also an owner and associate of Blue Sky Financial Services PLLC, where he works as an independent contractor. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, charitable organizations, and governmental entities. The firm offers tailored, typically non-discretionary advisory solutions and maintains a notable presence in municipal and public finance through its affiliations and specialized programs.

Gina Mancebo is an Executive Planning Consultant at Fidelity Investments, a role she has held since 2025. She collaborates with executives to develop personalized financial strategies that align with their goals and changing needs. Gina focuses on simplifying complex financial decisions and fostering long-term relationships with her clients. Her experience at Fidelity Investments spans several positions since 2015, including Benefits and Planning Consultant, Branch Planning Consultant, Relationship Manager, and Financial Representative. This range of roles has given her a broad perspective on financial planning and client service. Gina holds a California Insurance License. Outside of her professional responsibilities, she has interests in hiking, running, traveling, volunteering, and spending time with her pets.

Christine Villacis is a financial advisor at Merrill with three years of industry experience. She holds a Series 66 designation and has previously worked at Bank of America since 2022. Outside of her advisory work, she owns a small sole proprietorship related to raising backyard chickens and selling eggs and chicks as a hobby involving her young son. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, and institutional investors.

Jason Covington is a financial advisor with Cetera, holding the CFP® designation and Series 63 and 66 licenses, with 25 years of industry experience. He has worked at Cetera since 2023 and was previously with Schwab Private Client Investment Advisory, Inc. for 10 years. He is the owner of Covington Wealth Strategies LLC, a business affiliated with Cetera. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to affiliated and third-party managers and various program structures.

Charles McGrath Jr. is a CFP®-certified advisor with 30 years of industry experience currently affiliated with LPL Financial. His prior roles include positions at Lincoln Financial Advisors, Avantax Advisory Services, and a 22-year tenure at 1st Global Advisors. In addition to his advisory work, he is a practicing CPA, teaches virtual tax software classes, and serves as a soccer referee. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, retirement plan consulting, and brokerage services, supported by model portfolios, third-party research, and technology-driven solutions.

George Denham is a financial advisor at Edelman Financial Engines with two years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including OneAmerica Securities, American United Life, Pembroke Financial Services, and Bordier & Cie (UK). Edelman Financial Engines provides technology-enabled investment advisory and financial planning services for individual investors, retirement-plan participants, and institutional clients. The firm combines proprietary modeling with planner delivery and online tools, offering diversified portfolios, periodic rebalancing, and fiduciary oversight under ERISA and DOL guidelines.

Vincent Fitzpatrick is a CFP® with 25 years of industry experience, currently serving as a financial advisor at Edward Jones since 2018. He previously worked at Scottrade for five years and has a brief period listed as seeking employment in 2018. Outside of his advisory role, Vincent works as a golf course ranger at Granite Falls Golf Course in Surprise, AZ on weekends. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets with a nationwide network of financial advisors and branch offices, offering a range of advisory services under a fiduciary standard.

Julia Hearn is a financial advisor at Edward Jones with 13 years of industry experience and holds a Series 66 designation. She has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets under management and operates a nationwide network of over 23,700 financial advisors and 15,000 branch offices.

Michael Ulrich is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. He has been active in wealth management since 1999 and joined Merrill in 2005. His professional focus encompasses serving high net worth retirees, corporate executives, business owners, and philanthropists, utilizing the Total Merrill platform to support his advisory services. Michael holds a Bachelor's Degree from Northern Arizona University and has completed an Accredited Certificate Program at Ottawa University. He holds several professional designations, including Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He has been recognized on the Forbes “Best-in-State Wealth Advisors” list for several consecutive years, including 2022 through 2025. In addition to his professional commitments, Michael is involved in community organizations such as Der Valley Unified School District #97, Dysart Education Foundation, St. Judes Children Hospital, and Stars FC USL2 Soccer. His personal interests include golfing, photography, soccer, swimming, and spending time with his family.

Paul Lyon is a CFP® with 29 years of industry experience, currently affiliated with LPL Financial since 2024. He previously spent 19 years at Financial Dimensions Group, Inc. and Osaic Wealth, Inc. (formerly Royal Alliance Associates, Inc.). Lyon is also involved in selling non-variable life and long-term care insurance through Brokerage Resources Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning services, and utilizes model portfolios and third-party research to support both discretionary and non-discretionary management strategies.

Alice Kasel is a financial advisor at Fidelity with 28 years of industry experience. She holds the Series 63 and Series 66 designations and has worked in various divisions of Fidelity since 2000. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio construction. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to serve its clients.

Maria Monroe is a financial advisor at LPL Financial with 22 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Equitable Advisors and Axa Advisors, LLC. Based in Phoenix, AZ, Monroe has been with LPL Financial since 2022. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large national network. The firm offers a range of financial planning and advisory programs, including both discretionary and non-discretionary management, supported by research from LPL and third-party subadvisors.

Michael Van Horn is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. He has worked with Wells Fargo Bank since 2007 and has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory options. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a broader range of financial products including insurance-related vehicles and bank deposit sweep options.

Lance Baxter is a CFP® and holds a Series 66 designation, with 11 years of experience in the financial industry. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

John Rinehart is a financial advisor at Ameriprise with 13 years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones for 13 years before joining Ameriprise. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides retirement planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Erica Molina is a CFP® certificant with 22 years of industry experience, currently serving as a financial advisor at Cambridge Investment Research Advisors since 2024. Her prior experience includes roles at The Vanguard Group and Charles Schwab. Outside of her advisory work, she is also an independent travel advisor. Cambridge Investment Research Advisors serves a broad range of clients, including individuals, pension plans, charitable organizations, and retirement-plan sponsors, providing financial planning, investment management, and retirement advisory services through a large network of independent professionals. The firm offers both discretionary and non-discretionary investment management across multiple platforms and utilizes a mix of proprietary and third-party strategies.

Lori Derrick is a financial advisor at Edward Jones with 12 years of industry experience. She holds a Series 66 designation and has worked at Edward Jones and Raymond James Financial Services, Inc. She also manages Derrick Family Financial. Edward Jones is a full-service wealth management firm serving a broad client base including individual and institutional investors, with approximately $1.01 trillion in assets under management and a nationwide network of over 23,000 advisors. The firm offers a range of investment strategies and affiliated services under a fiduciary standard.

Tony Anderson is the Vice President, Wealth Planner at Fidelity Investments, a role he has held since 2024. In this capacity, he partners with clients to design, implement, and monitor investment strategies aimed at achieving their long-term investment goals. His professional journey at Fidelity Investments began in 2004 and includes a series of roles with increasing responsibility in investment services and management. His experience spans various positions such as Investment Management Consultant IV, Investment Strategist, Senior Portfolio Specialist, and Portfolio Advisory Service Investment Consultant. Tony holds a California Insurance License, which supports his advisory capabilities within the financial services sector. Outside of his professional work, Tony has interests in camping, outdoor adventures, and traveling.

David Cardiff is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. He holds the Series 66 designation and has worked previously at Wells Fargo Clearing and Wells Fargo Bank. 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 team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.