David Ruff is a CFA® charterholder with 35 years of industry experience. He has worked at Advisors Capital Management, LLC since 2018 and previously spent 10 years with Forward Management LLC. Based in Reno, NV, Ruff holds Series 63 and Series 65 licenses. Advisors Capital Management, LLC provides discretionary portfolio management and proprietary model strategies to both individual and institutional clients. The firm serves a diverse client base including high-net-worth individuals, retirement plans, charitable organizations, corporations, and government entities, employing a combination of top-down macro analysis and bottom-up fundamental, quantitative, and qualitative research.

Adam Hicks is a CFP® professional with four years of industry experience. He has worked at Empower Advisory Group since 2025 and previously held roles at Fulcrum Capital, LLC and TCI Wealth Advisors, Inc. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail clients. The firm uses an integrated model connected to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and client savings rates in its planning services.

Timothy Viancourt is a financial advisor at Empower Advisory Group with two years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at JPM Chase N.A. and Recreational Equipment Inc. Outside of his advisory role, he was involved with Hoof Hearted Brewery for two years. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage clients. The firm integrates its services with Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

William Willson is a CFP® professional with 31 years of industry experience, currently serving at Money Concepts Capital Corp since 2018. He previously worked at Greater Nevada Credit Union for ten years. Willson also owns Willson Wealth Management, LLC. Money Concepts Capital Corp is an enterprise-scale adviser managing approximately $4.07 billion in client assets and serves a diverse client base including individuals, pension plans, trusts, and corporations. The firm employs model-driven and asset-allocation approaches, offering both discretionary and non-discretionary portfolio programs supported by third-party managers and advanced platform services.

Matthew Erbentraut is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding a Series 65 designation and four years of industry experience. His prior roles include positions at Equius Partners and Dimensional Fund Advisors. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and employs a diversified investment approach combining passive and active strategies overseen by an internal Investment Committee.

Mitchell Laughton is a financial advisor with Kestra Advisory, holding the ChFC® designation along with Series 63 and 65 licenses. He has 43 years of experience in the financial services industry, including long-term roles at Kestra Investment Services and ownership of The Laughton Company. Outside of his advisory work, he serves on the board of the JUSTin Hope Foundation and is vice president of The Prospectors Club. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a broad range of institutional and individual clients, including large plan sponsors. The firm offers services such as fiduciary consulting, plan-level investment advice, and employee education, supporting investments with due diligence and serving clients that include sovereign wealth funds.

Willie Hayes III is a financial advisor at Empower Advisory Group with four years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Empower Advisory Group, he had roles at CollegeInvest, MassMutual, Hornor, Townsend & Kent, Altitude Financial Partners, Northwestern Mutual, and NYLIFE Securities. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm delivers services through an integrated model linked to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing in its planning approach.

Enda Washington is a financial advisor with Empower Advisory Group in Sparks, NV, holding Series 63 and Series 66 credentials and bringing 23 years of industry experience. His work history includes roles at Gwfs Equities, Inc. since 2021 and both MML Distributors LLC and Massachusetts Mutual Life Insurance Company from 2016 to 2021. Washington served in the U.S. Army Reserve for 38 years, from 1986 to 2024. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders, through an integrated model connected to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing in its planning services and operates at a large scale with close integration to affiliated Empower entities.

Joe Macaluso is a Series 66 credentialed financial advisor with Valic Financial Advisors, where he has worked for 23 years. He has 25 years of industry experience and also serves as an agent for non-securities insurance products with Agia. Valic Financial Advisors serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, and employer-sponsored retirement participants, offering portfolio management and financial planning through a large network of advisors. The firm utilizes discretionary unified managed accounts and emphasizes centralized technology and model solutions across its extensive client base.

Steven Rose is a CFP® with 21 years of industry experience, currently serving as a financial advisor at CWM, LLC and Art of Wealth Management since 2022. His prior experience includes roles at Legacy Wealth Planning, LLC and LPL Financial, LLC. Outside of advisory work, he is involved in the sale of health, life, disability, and other insurance products through an insurance agency and operates S Rose LLC. CWM, LLC is an SEC-registered investment adviser with over 600 advisors serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients. The firm manages portfolios primarily on a discretionary basis using model portfolios, combining fundamental and technical analysis, third-party sub-advisors, and customization tools, with a strong focus on retirement-plan services and fiduciary processes.

John Verducci is a financial advisor with Voya Financial Advisors, Inc. in Reno, NV, holding Series 63 and Series 65 licenses and seven years of industry experience. His prior roles include positions at New York Life Insurance Co and Nylife Securities LLC. Voya Financial Advisors, Inc. serves individual and institutional clients such as retirement plan sponsors, charitable organizations, corporations, and high-net-worth individuals. The firm offers financial planning, portfolio management, wrap programs, third-party money manager access, and plan-sponsor consulting, delivering advice primarily through non-discretionary recommendation-based relationships across multiple program structures.

Raymond Joakimson is a financial advisor with Money Concepts Capital Corp and holds Series 63 and Series 65 designations. He has 38 years of industry experience and has worked at Money Concepts Capital Corp since 1993 and Summit Financial Group since 1992. Outside of his advisory work, he serves as an election poll manager. Money Concepts Advisory Service provides portfolio management, financial planning, and consulting to individuals, pension and profit-sharing plans, trusts, charitable organizations, and corporations. The firm employs a range of managed programs and investment strategies, including proprietary retirement model portfolios and third-party sub-advisers, serving approximately 14,700 clients with about $3.33 billion in assets under management.

Bryton Lewis is a financial advisor with TIAA-CREF in Reno, NV, holding Series 63, Series 65, and Series 66 licenses and having 14 years of industry experience. He has worked at TIAA-CREF since 2018 and was previously with LPL Financial from 2016 to 2018. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm operates a vertically integrated advisory model that includes both point-in-time financial planning and ongoing discretionary portfolio management.

Alycia Smelser is a financial advisor with Empower Advisory Group holding Series 63 and Series 66 designations and three years of industry experience. Her work history includes roles at Empower Financial Services, Wells Fargo Bank, and Summit Funding, Inc. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, delivering services through integrated platforms that emphasize long-term portfolio returns and annual rebalancing.

Tabitha Aspling is a financial advisor at Cerity Partners LLC with 11 years of industry experience. She holds Series 65 and Series 66 licenses and has previously worked at Keating Wealth Management, LLC and the University of Nevada, Reno. Cerity Partners provides customized wealth management services to a diverse national client base, including individuals, families, trusts, business entities, and institutional investors. The firm employs tailored asset allocation, manager selection, and proprietary quantitative screening in its investment approach, and offers a range of services including portfolio management, financial planning, retirement consulting, and access to alternative investments.

William Chatham is a financial advisor with Primerica Advisors and holds the ChFC® designation along with Series 63 and Series 65 licenses. He has 41 years of industry experience, including roles at Park Avenue Securities and Guardian Life Insurance Company. Outside of his advisory work, he owns mineral rights from which he collects royalties. Park Avenue Securities LLC serves a broad retail client base, offering both transaction-based brokerage and fee-based advisory services. The firm provides various proprietary and third-party investment programs, financial planning, retirement consulting, and business consulting services.

Patrick Forderhase is a CFP® and Series 65 credentialed advisor with two years of industry experience. He is currently affiliated with CWM, LLC, and has prior experience with Carson Group, Condon Insurance Group, and roles in the golf industry. Forderhase also spent nine years in full-time education. CWM, LLC is an SEC-registered investment adviser serving a diverse client base including individuals, high-net-worth families, foundations, corporations, and institutional clients. The firm provides portfolio management, financial planning, sub-advisory and retirement plan services, employing a discretionary, model portfolio approach supported by an in-house Investment Committee and various customization tools.

Dory Alvarenga is a financial advisor with D.A. Davidson & Co. in Sparks, NV, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. Prior to joining D.A. Davidson in 2019, Alvarenga worked at Morgan Stanley Smith Barney for 24 years. Outside of advisory work, Alvarenga operates an online store on Etsy selling print-on-demand clothing and accessories. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including retirement plans, individual and high-net-worth investors, and charitable and corporate clients. The firm offers various advisory solutions under fiduciary standards and distinguishes itself through municipal advisory services and affiliated trust companies.

Mason Michalski is a financial advisor at Voya Financial Advisors, Inc. He holds a Series 66 designation and joined the firm in 2026. Prior to his current role, he held various positions including roles at Ameriprise and Allstate. Outside of financial services, he has experience with businesses such as Aquablue Aquarium Solutions and Mosquito Hunters. Voya Financial Advisors, Inc. serves a diverse client base including individual and institutional clients, offering financial planning, portfolio management, and retirement plan consulting. The firm provides advice through multiple program structures, emphasizing non-discretionary recommendations and operating as both an SEC-registered investment adviser and a broker-dealer.

Cade Mc Cusker is a financial advisor at Empower Advisory Group with a Series 66 designation and one year of industry experience. His prior work includes roles at VALIC Financial Advisors Inc and Ameriprise Financial Services LLC. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage clients. The firm integrates its services with Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing in its financial planning approach.