Scott Engelhardt is a financial advisor at Primerica Advisors with 30 years of industry experience. He holds Series 63 and Series 65 designations and has been with Primerica Advisors and Primerica Financial Services since 1996. Engelhardt has also been involved with Red Rock Running Company and operates an investment-related legal entity for Primerica business purposes. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm relies on model-delivery strategies from unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Nathan Curran is a Financial Advisor at Merrill Lynch Wealth Management. He has over 25 years of experience in financial services, working with families and business owners to develop clear and meaningful plans that support their goals and create multigenerational impact. Nathan holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). Nathan completed a non-accredited certificate program at Fullerton College. His approach to financial advising emphasizes education, purpose, and doing what is right, with a focus on teaching and empowering clients to build clarity, confidence, and lasting financial independence. Nathan prioritizes putting people before products in his work.

Geoffrey Lee is a financial advisor at Ameriprise with 22 years of industry experience and holds a Series 66 designation. He has been with Ameriprise and its related entities since 2003. Ameriprise offers a retirement-income planning service targeted at individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver non-discretionary recommendations. The firm serves a broad client base through advisory, brokerage, and insurance solutions typical for a large institutional firm.

Douglas Heck is a financial advisor with Merrill in Las Vegas, NV, holding Series 65 and Series 66 licenses and bringing 27 years of industry experience. He has worked with Merrill since 2009 and Bank of America, N.A. since 2010. 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, and institutional investors.

Brook Benson is a financial advisor at Ameriprise in Las Vegas, NV, holding a Series 66 designation and five years of industry experience. His work history includes roles at Equitable Advisors, LV Premier Marketing, and the University of Nevada Las Vegas. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning services that focus on dependable income sources and tax-aware withdrawal strategies. The firm’s approach integrates investment research and algorithmic tools to support asset allocation and Social Security decisions within a defined investment universe.

Ian Lowe is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds the Series 66 credential and has previously worked at Ameriprise, U.S. Bank, and several other firms. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and incorporates ESG criteria.

Warren Kim is a financial advisor at LPL Financial with 25 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank N.A. in addition to his current role. Outside of advising, he is involved with JSWK Co., LLC. LPL Financial serves a wide range of clients including individuals, retirement plans, and institutions, offering financial planning, advisory programs, retirement plan consulting, and brokerage services. The firm provides both discretionary and non-discretionary management supported by various investment models and research resources.

Carlos Bega is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Wells Fargo in 2025, he worked at J.P. Morgan Securities and JPMorgan Chase from 2008 to 2025. 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.

Shahzad Ali is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with Cetera and its affiliated entities since 2014. Outside of his advisory role, Ali serves as CEO of TIMC LLC, which operates multiple financial service businesses, and is a board member of Sure Wave, a nonprofit assisting children in East Africa. He also teaches financial education through the American Financial Education Alliance. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a multi-manager platform, allowing advisors to utilize affiliated and third-party managers, with assets under management exceeding $256 billion across a network of more than 10,000 advisors.

Justin Oubre is a financial advisor with Merrill in Las Vegas, NV, holding Series 63 and Series 66 licenses. He has 12 years of industry experience, including prior roles at Wells Fargo Clearing and Bank of America. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors. The firm integrates internal Chief Investment Office teams and third-party managers to implement portfolio strategies that include tactical asset allocation and tax-aware options.

Heather Navarro is a financial advisor at Merrill with 23 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Bank of America, N.A. and Merrill since 2016, based in Las Vegas, NV. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Walter Harroll is a financial advisor with Morgan Stanley in Las Vegas, NV, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a wide range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling as part of its financial planning process.

Jacob Church is a Financial Advisor with Merrill Lynch Wealth Management. He holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Jacob completed a Non Accredited Certificate Program at College Southern Nevada and earned a High School Diploma/GED from Rancho Medical Academy. He also attended the University of Nevada Las Vegas, although no degree was conferred.

Mark Howard is a financial advisor with Ameriprise in Las Vegas, NV, holding a Series 63 designation and 28 years of industry experience. He has been with Ameriprise and its predecessor entities since 1997. Outside of his advisory role, he works part-time delivering pizzas for Domino's. Ameriprise provides a retirement-income planning service designed for clients nearing or in retirement with significant investable assets. The firm employs a centralized consulting team that combines research, modeling, and tax-efficiency analysis to produce tailored, non-discretionary recommendation reports, primarily for clients holding assets in Ameriprise-managed accounts.

Raymond Yin is a financial advisor with Mass Mutual Investors Services in Las Vegas, NV, holding the CFA® designation and Series 63 and 66 licenses. He has 12 years of industry experience, including roles at UBS Asset Management and Chongyang International Asset Management. From 2024 to 2026, he took a break for extended travel. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser under MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes annual, collaborative planning engagements using firm-approved software to analyze client goals and offers event-driven planning services such as divorce and estate settlement planning.