Mark Lance Jr. is a financial advisor at Merrill with 10 years of industry experience. He holds the Series 66 designation and has worked at both Bank of America, N.A. and Merrill since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies developed by internal teams and third-party managers, with various portfolio implementation approaches tailored to client needs.

Edward Ross is a financial advisor at Morgan Stanley with six years of industry experience. He holds a Series 66 designation and has previously worked at E*TRADE Securities, Northwestern Mutual, PennyMac Loan Services, and the University of Arizona. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Anthony Covarrubias is a financial advisor at Edward Jones in Tempe, AZ, holding a Series 66 designation with three years of industry experience. Before joining Edward Jones in 2023, he worked at PayPal from 2014 to 2022. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households, corporate clients, and charitable organizations. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Stephen Liepold is a financial advisor with Charles Schwab in Chandler, AZ, holding Series 63 and Series 66 designations and bringing 30 years of industry experience. He has been with Charles Schwab since 1995 and has worked at Charles Schwab Bank since 2008. Outside of his advisory role, he owns and manages a small real estate business. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a mix of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and alternative investment due diligence, with an integrated operational structure across advisory, brokerage, and custody services.

Cylesce Aguilera is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. She has worked at Bank of America, Merrill, Redpoint, Nike, Bath and Body Works, and Arizona State University. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michelle Delgado is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. She has been with J.P. Morgan Securities and JP Morgan Chase Bank N.A. since 2012 and previously worked at Chase Investment Services Corp. Michelle is also a co-owner of SOMOS Weddings LLC, a business supporting her husband’s wedding officiant services by managing administrative and client logistics. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory program combines quantitative and qualitative due diligence with an ESG eligibility framework and includes derivatives and commodities capabilities.

John Chapman V is a financial advisor with Raymond James Financial Services Advisors, Inc. in Gilbert, AZ. He holds Series 63 and Series 66 designations and has one year of industry experience. Prior to joining Raymond James, he worked at Morgan Stanley and has a varied background including roles at GradGuard Insurance and educational institutions. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, corporations, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and uses analytical tools such as risk profiling and probability modeling to support client goals.

Lauren Michelotti is a financial advisor with LPL Financial in Chandler, AZ, holding Series 63 and Series 65 licenses and eight years of industry experience. Prior to joining LPL Financial in 2018, she held roles at multiple firms including Securian Financial Services and North Star Resource Group. She is also involved in Wealthnest Tax Services, providing tax preparation and accounting work. 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 wide range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by technology tools and a large network of investment adviser representatives.

Lyle Zaichkin is a CFP®-designated financial advisor with Edward Jones, based in Mesa, AZ, with 12 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving individual and institutional clients across a broad spectrum of financial needs. The firm manages over $1 trillion in assets through a nationwide network of approximately 23,700 advisors, offering a range of investment strategies and fiduciary advisory services.

Joshua Dean is a financial advisor at Edward Jones in Tempe, Arizona, holding a Series 66 designation with 12 years of industry experience. He has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of approximately 23,701 advisors and 15,121 branches.

Robb Stocks is a financial advisor at Raymond James Financial with 16 years of industry experience. He holds Series 66 and Series 63 licenses and previously worked for Charles Schwab for 20 years. Outside of his advisory role, he is associated with Buechting Financial, where he provides client services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, and institutional clients. The firm provides tailored, non-discretionary planning and employs analytical tools to support client goals.

Connor Gilbert is a financial advisor at Merrill with Series 66 and Series 63 licenses and two years of industry experience. Prior to joining Merrill and Bank of America, he worked at Vanguard Marketing Corporation and The Vanguard Group, Inc. He is also engaged with DoorDash outside of his advisory role. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joseph Garner Jr. is a financial advisor with LPL Financial in Chandler, AZ, holding a Series 63 designation and bringing 46 years of industry experience. He has been with LPL Financial since 1997. Outside of his advisory role, he has been involved in managing client communications through Send Out Cards, Inc. as an artist, dedicating a small portion of his time to this activity. 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, model portfolio programs, third-party asset management, and institutional platforms.

Benjamin Katz is a financial advisor at Morgan Stanley in Gilbert, AZ, holding the Series 66 designation with five years of industry experience. His prior work includes roles at Bank of America Merrill Lynch and University Beyond. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

John Peters is a CFP® professional with 20 years of industry experience, currently advising clients at Edward Jones since 2016. Prior to this, he has been involved in various business ventures, including operating several real estate-related LLCs and working as an Uber driver. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, managing approximately $1.01 trillion in assets. The firm offers both discretionary and non-discretionary investment solutions and provides additional services such as tax-efficient strategies and affiliated mutual funds.

Austin Nehls is a financial advisor at Merrill based in Chandler, AZ, holding a Series 66 designation with six years of industry experience. His prior work includes roles at Bank of America, DoorDash, Ball State University, Sonora Investment Management, and Central Connecticut State University. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gary Bettencourt is a financial advisor with Fidelity Investments in Chandler, Arizona, holding Series 63 and Series 66 licenses and having 11 years of industry experience. His prior work includes roles at Wells Fargo Bank NA and Wells Fargo Clearing. Outside of advisory work, he owns and operates an adult soccer business involved in event planning and fee collection. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

Alfredo Fragoso is a financial advisor at Edward Jones in Tempe, AZ, holding a Series 66 designation with 10 years of industry experience. He has been with Edward Jones since 2016. 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 strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Gary Phillips is a CFP®-credentialed financial advisor with 29 years of industry experience. He is currently with J.P. Morgan Securities in Chandler, AZ, where he has worked since 2020. His prior experience includes roles at Bank of America, Merrill, Fidelity, and CUNA Brokerage Services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm employs a centralized due diligence process combining quantitative and qualitative research and incorporates an ESG eligibility framework in its recommendations.

Eliot Lincoln is a financial advisor at Morgan Stanley in Gilbert, AZ, holding Series 66 and Series 63 licenses with one year of industry experience. His prior work includes roles at Merrill, Sandhills Global, and Mirabella at ASU, among others. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and methodologies.