Michael Costelloe is a CFP® with 36 years of experience in the financial services industry. He is currently with LPL Financial, where he has worked since 2019, following prior roles at H. Beck, Inc., Transamerica Financial Advisors, and Waddell & Reed. In addition to his advisory work, he teaches a retirement planning class at Truckee Meadows Community College. 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, including financial planning and model portfolio programs, with a focus on providing both discretionary and non-discretionary account management supported by research and operational tools.

Adam Saporsky is a financial advisor with Edward Jones in Reno, NV, holding a Series 66 designation and 18 years of industry experience. He has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Matthew Laverone is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 21 years of industry experience. He has been with Cetera since 2013. Outside of his advisory work, he is involved in ranch operations where he participates in tasks such as irrigating, trimming trees, and harvesting. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and advisory services, supported by a nationwide network of over 10,000 advisors.

Janeen Ingram is a financial advisor with LPL Financial in Carson City, NV, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. Her prior experience includes roles at Calton & Associates, Smoke Junction Inc., Ameritas Investment Corp, and Morgan Stanley DW Inc. Since 2015, she has been involved in non-variable insurance commission trails related to investment activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions with a range of advisory and brokerage services, including financial planning and model portfolio programs.

Kelly Jay is a financial advisor with UBS Financial Services in Incline Village, NV, holding Series 63 and Series 65 licenses and with 49 years of industry experience. He has been with UBS Financial Services since 2008. Outside of his advisory role, he serves on the board of directors for the California Liver Institute, contributing to financial and corporate governance. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm offers fee-based financial planning and portfolio management supported by proprietary research and a broad platform of capital markets services.

Edward Scheingold is a financial advisor at UBS Financial Services with 32 years of industry experience. He previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney, serving clients for a combined 20 years. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and access to proprietary research and institutional trading capabilities.

Howard Colgan is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Wells Fargo entities since 2016. 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 advice. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable range of investment options including insurance-related vehicles and bank deposit sweep programs.

Kendra Wilson is a financial advisor at Edward Jones in Carson City, NV, with 11 years of industry experience. She holds the ChFC® and Series 66 designations and has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment solutions, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

David Justman is a financial advisor with Wells Fargo Clearing Services, LLC, holding Series 63 and 65 licenses and bringing 50 years of industry experience. He previously worked at UBS Financial Services for ten years. Outside of his advisory role, he serves as an advisor for the Donovan & Bank Foundation, which provides counseling and mentorship for veterans. 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 through a large network of financial advisors and combines research-driven investment evaluation with a broad range of financial products.

Daniel Bowler is a financial advisor with LPL Financial in Carson City, NV, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He worked at Raymond James Financial and Raymond James Financial Services for 25 years prior to joining LPL Financial in 2025. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, retirement advice, and institutional platforms, with advisors implementing a range of strategic and tactical investment approaches.

Michael Ashton is a Series 66-registered financial advisor at Edward Jones with three years of industry experience. Prior to joining Edward Jones in 2022, he worked for the Douglas County Professional Education Association and spent 20 years with the Douglas County School District. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Jennifer Nelson is a financial advisor with Cetera in Carson City, NV, holding a Series 66 designation and four years of industry experience. She has worked at Avantax Advisory Services and Avantax Insurance Agency, and has been associated with Sierra Financial Advisors, LLC since 2011 in a client relations role. In addition to her advisory work, she is an insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform that includes model portfolios, third-party managers, and custom strategies.

Andrew Visci is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and 26 years of industry experience. He has been with Charles Schwab since 2001 and Charles Schwab Bank SSB since 2005. Outside of his advisory role, he owns land in Ohio that is rented for hunting season. Charles Schwab serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory services and access to discretionary separately managed accounts, supported by centralized custody and operational resources.

Joseph Tartaglini Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked with JPMorgan Chase Bank and J.P. Morgan Securities since 2017 and previously held roles at Bank of America and Merrill from 2012 to 2017. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting through Wealth Advisors, delivering services alongside affiliated brokerage and investment management capabilities.

Leilani Borer is a financial advisor with Ameriprise in Carson City, NV, holding a Series 66 designation and 25 years of industry experience. She has been with Ameriprise and its affiliated entities since 2009. Outside of her advisory role, she serves on the Board of Directors for JW House, where she also acts as a student board moderator. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset thresholds, using a centralized consulting team to deliver non-discretionary, research-driven recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of large institutional firms.

William Radtke is a financial advisor at UBS Financial Services with 25 years of industry experience. He has been with UBS since 2002 and holds Series 63 and Series 66 credentials. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor plans to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services and provides a wide range of financial products and capital markets services.

Jennifer Rust is a financial advisor at Edward Jones with 17 years of industry experience. She holds the ChFC® designation and Series 66 license, and has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

John Merkouris is a financial advisor with Edward Jones in Carson City, NV, holding Series 63 and Series 66 credentials and 20 years of industry experience. He has been with Edward Jones since 2005. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a broad range of advisory programs and investment solutions, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets under management through a large national network of advisors and branch offices.

Robert Cleland is a financial advisor with Ameriprise in Campbell, CA, holding a Series 63 designation and 34 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he serves as President on the Board of Directors for Shelley Estates Homeowners Association. Ameriprise provides a retirement-income planning service aimed at individuals near or in retirement who meet certain asset thresholds. The firm uses a centralized consulting team to deliver non-discretionary, research-driven recommendations incorporating tax-efficiency and withdrawal strategies, primarily for clients with assets managed within Ameriprise accounts.

Jeffrey Klinger is a financial advisor with UBS Financial Services in Incline Village, NV, holding Series 63 and Series 66 licenses and possessing 25 years of industry experience. Prior to joining UBS in 2023, he worked at Bank of America and Merrill from 2013 to 2023. He has a partnership interest in an equine therapy and injury recovery business owned by his wife, established for estate planning purposes. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor client plans.