David Ayala is a financial advisor with Raymond James Financial Services Advisors, Inc. based in Phoenix, AZ, holding a Series 66 designation and 17 years of industry experience. His prior experience includes roles at Edward Jones and MassMutual Life Insurance Company. In addition to his advisory work, he co-manages Heritage Wealth Solutions, LLC, where he provides account management, trading, and financial planning services. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting through Wealth Advisory Services and institutional consulting, with a focus on tailored financial plans and a wide range of implementation options.

Mark Callahan is a financial advisor with Morgan Stanley in Peoria, AZ, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, as well as having experience with Citigroup Global Markets dating back to 1995. Morgan Stanley Wealth Management provides a broad range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers services that include both direct financial planning and Corporate Financial Planning agreements.

James Arnold is a CFP® with 26 years of industry experience. He is currently with Raymond James Financial Services Advisors, having joined in 2026 after 14 years at Commonwealth Financial Network. Arnold is the sole owner of Door Creek Financial, an investment-related business operating at his branch location. Raymond James Financial Services Advisors provides financial planning and investment consulting to a diverse client base, including individual and high-net-worth investors, charitable organizations, and government entities. The firm offers tailored, typically non-discretionary advisory services and maintains notable municipal and public finance affiliations.

Chester Mccoy is a financial advisor with Primerica Advisors in Goodyear, AZ, holding a Series 63 credential and one year of industry experience. His work history includes roles at Nellis Auction, Alpha Dog Firearms, and PFS Investments Inc., alongside a six-year tenure at Primerica Financial Services. He is involved in the sale of investment and loan products, as well as referrals for home security and automation services through affiliated companies. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable organizations. The firm offers a wrap-fee asset management program that uses model-delivery strategies managed by unaffiliated asset managers, supported by an overlay manager and custodial services.

Patrick Devlin is a Financial Consultant at Fidelity Investments, where he provides financial planning support and investment guidance tailored to individual goals and long-term investment strategies. He has been with Fidelity Investments since 2023, holding various roles including Retirement Planner, Director, Retirement Planner, and Planning Consultant prior to his current position. Before joining Fidelity, Patrick worked as a Client Support Representative at Robinhood from 2021 to 2022 and as a Financial Advisor at Northwestern Mutual from 2020 to 2021. His career experience spans financial consulting, retirement planning, and client support within the financial services industry. Outside of his professional work, Patrick engages in golf and hiking during his personal time.

Jennifer Kim is a CFP® professional with 18 years of industry experience. She is currently with Fidelity Investments, having joined in 2022, and previously worked at Ameriprise Financial Services, Raymond James & Associates, Bank of America, and Merrill. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage portfolios using mutual funds, ETFs, and ETPs, and it is notable for its use of AI-driven methodologies and its formal advisory roles within the investment industry.

Jennifer Vidaure is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds a Series 66 designation and has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2018, following a 19-year tenure at JPMChase 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. As a subsidiary of J.P. Morgan, the firm integrates advisory services with brokerage, distribution, and investment management capabilities.

John Porco is a financial advisor with Morgan Stanley in Peoria, AZ. He holds the Series 66 designation and has recently transitioned from roles at Sei and HCA Healthcare. Porco’s background includes experience in healthcare and financial services since 2015. Morgan Stanley Wealth Management provides a range of advisory programs for individuals and institutions, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers both direct and employer-sponsored financial planning services.

Michael Massarelli is a financial advisor with Wells Fargo Clearing, holding Series 65 and Series 63 licenses and two years of industry experience. His prior roles include positions at The Vanguard Group, Federal First Lending, and Northwestern Mutual. Outside of finance, he was involved with Ten Ninety Brewing Company for two years. 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 both brokerage and advisory solutions.

Thomas Howard is a financial advisor at Ameriprise in Phoenix, AZ, holding a Series 66 designation with three years of industry experience. Prior to joining Ameriprise, he worked at Culinary Dropout and FedEx. He also has experience as a paraplanner with Heick, Hester, Smith & Associates LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service, providing tailored retirement planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Mark Trefzger is a financial advisor at Edward Jones in Phoenix, AZ, holding a Series 66 designation with 11 years of industry experience. He has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households across various net worth levels, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of more than 23,700 financial advisors and offers a range of advisory programs and investment solutions under a fiduciary standard.

George Gonzalez is a financial advisor at Cetera with 42 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at firms including First Financial Equity Corp and Cetera Wealth Services, LLC. Gonzalez is currently based in Phoenix, AZ. Cetera Investment Advisers LLC is an SEC-registered adviser supporting a nationwide network of independent advisors. The firm serves a diverse client base including individuals, retirement plans, and institutional accounts, offering portfolio management, financial planning, and access to third-party money managers through a multi-manager platform.

Christopher Basque is a financial advisor with Cambridge Investment Research Advisors in Phoenix, AZ, holding Series 63 and Series 66 designations and accumulating 25 years of industry experience. His prior work includes roles at Charles Schwab, Triad Advisors, Fidelity Investments, Raymond James Financial Services Advisors, and Morgan Stanley. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning and investment management through a network of independent professionals, utilizing proprietary and third-party strategies across various platform arrangements.

Matthew Julian is a financial advisor at Cetera with 22 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Cetera since 2019. Outside of his advisory role, he has ownership interests in Arizona Capital Management, LLC, and Cactus Jiu Jitsu, where he is also actively involved. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients nationwide. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supported by a large network of advisors and extensive assets under management.

Shefali Collins is a financial advisor at Robert W. Baird & Co. with two years of industry experience. She holds a Series 66 designation and has worked at Robert W. Baird since 2022. Prior to her current role, she was employed at DD Med Trans and also worked as a freelance photographer. She works within The DDK Group, a team in Baird’s Private Wealth Management practice that serves individuals, families, pensions, corporations, and institutional clients. The group offers customized financial planning and portfolio management services, utilizing a combination of in-house and third-party managers across a range of investment strategies.

Stephanie Morales is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. She has worked at Cetera since 2019, including Cetera Wealth Services, and previously spent 19 years with Cuna Mutual Group. Morales is also the recording secretary for the Madison Traditional Academy Guild, an educational nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and provides access to multiple program structures and third-party managers.

Patricia Nyborg is a financial advisor with Robert Baird & Co. who holds a Series 66 designation and has 13 years of industry experience. Her prior work includes roles at Morgan Stanley and Edward Jones. Outside of finance, she operates an e-commerce business buying and reselling items on platforms such as eBay and Etsy. She is part of The DDK Group within Robert Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and charitable organizations. The group offers customized financial planning and portfolio management using a range of traditional and alternative investment strategies.

Joseph Winters is an Investment Consultant at Fidelity Investments, a position he has held since 2025. He joined Fidelity in 2022 and has held various roles including Planning Consultant and Relationship Manager, bringing a comprehensive understanding of investment and financial planning to his current role. Prior to joining Fidelity, he worked as an Investment Specialist at Merrill Edge from 2021 to 2022. Joseph focuses on developing personalized financial strategies that align with his clients' goals, values, and lifestyles. His approach involves taking the time to understand what matters most to each client to help them pursue their financial objectives effectively. Outside of his professional work, Joseph has interests in board games, cars, social events, parenthood, reading, and traveling.

Demetrius Warren is a financial advisor with Cambridge Investment Research Advisors in Phoenix, AZ, holding Series 66 and Series 63 licenses with three years of industry experience. His prior roles include positions at Thrivent Financial, American Express, Merrill, and founding marketing firms such as Dream Chasers Marketing LLC. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers a range of financial planning and investment management services delivered through independent financial professionals using both proprietary and third-party strategies.

Andrew Kovalcik is a financial advisor at Edelman Financial Engines with 11 years of industry experience. He holds a Series 66 designation and has worked at Financial Engines Advisors L.L.C. since 2017, following prior roles at Bank of America and Merrill from 2014 to 2017. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub-advisory services, and supports a large client base through both advisor-led and online platforms.