Jorge Ramos Terrazas is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. His prior roles include positions at Charles Schwab & Co., Inc. and The Vanguard Group, Inc. Outside of advisory work, he is a partner in a restaurant and bar business based in Phoenix, Arizona. Morgan Stanley Wealth Management offers a broad range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by structured discovery processes and firm-approved tools.

Jake Dahmer is a financial advisor with J.P. Morgan Securities in Tempe, Arizona. He holds Series 66 and Series 63 licenses and has two years of industry experience. Prior to joining J.P. Morgan Securities in 2026, he worked at Charles Schwab from 2024 to 2026. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their advisory process combines quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting.

Brian Urry is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2013. He provides financial guidance aimed at helping clients make informed decisions to achieve their long-term goals, such as retirement planning, investment management, tax minimization, and liquidity management. Brian leverages the resources of Merrill and Bank of America, along with his team's expertise, to support individuals and families in managing their wealth confidently. Brian holds a Bachelor of Science degree in Finance from Arizona State University. He also earned the Certified Private Wealth Advisor (CPWA) designation, an advanced professional certification awarded by the Investments & Wealth Institute, which serves advisors working with high-net-worth clients. Additionally, he holds the Personal Investment Advisor (PIA) designation. Outside of his professional role, Brian is involved in his community through church assignments and youth sports coaching. He resides in Gilbert, AZ, with his wife and five children.

Linda Netjes is a financial advisor with Wells Fargo Clearing in Scottsdale, AZ, holding Series 63 and Series 65 licenses and 27 years of industry experience. She has worked with Wells Fargo entities since 2004, including Wells Fargo Investments, LLC, and currently serves as co-trustee for her spouse’s trust. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and other sources.

Brien Laster is a financial advisor at Morgan Stanley in Gilbert, AZ, holding a Series 66 designation. He has one year of industry experience, with previous roles at Charles Schwab, Array Technologies, Omni Hotels, and other companies. Morgan Stanley Wealth Management is a large registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning supported by structured processes and advanced modeling tools.

Andrew Denys is a Series 66-credentialed advisor at Merrill with 12 years of industry experience. He has been with Merrill and Bank of America, N.A. since 2014. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using a range of model-based and discretionary investment strategies.

Michael Zamboni is a financial advisor with LPL Financial in Gilbert, AZ, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He has been with LPL Financial since 2010. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management solutions, utilizing various strategic and tactical approaches supported by research and technology tools.

Richard Smith is a financial advisor with Cetera in Scottsdale, AZ, holding Series 63 and Series 65 licenses and having 32 years of industry experience. His prior roles include positions at First Financial Equity Corporation and participation in the United States Marshals Posse. He also works as an insurance agent selling life, annuities, and long-term care products. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, overseeing more than $256 billion in assets through over 10,000 advisors.

Martin Jakubowski is a financial advisor with Merrill in Gilbert, Arizona, holding Series 63 and Series 66 licenses and with 43 years of industry experience. He has worked at Merrill Lynch Pierce Fenner & Smith, Inc. and Bank of America, N.A. since 2003 and 2011, respectively. Outside of his advisory role, he is a general partner in a for-profit leasing business that rents refrigerated truck trailers to a trucking company. 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 to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Meghavi Rosean is a financial advisor with J.P. Morgan Securities in Tempe, AZ, holding Series 63 and Series 66 licenses and 15 years of industry experience. Her career includes roles at J.P. Morgan Securities, JPMorgan Chase Bank, Citizens Securities, and Santander Securities. 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 approach combines quantitative and qualitative research to develop model asset allocations and incorporates a range of investment strategies including ESG considerations.

Sallah Warrayat is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at Bank of America and Merrill. Outside of his advisory role, he owns a window tinting sole proprietorship. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and strategies.

Michael Jones is a financial advisor at Charles Schwab with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at various Charles Schwab entities since 2012, including the Schwab Premiere Bank, Trust Bank, and Charles Schwab bank in Phoenix, AZ. Charles Schwab & Co., Inc. serves 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts, using multi-asset model portfolios and a centralized operational structure.

Mohammad Alnajdawi is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. Before joining Merrill, he held positions at Hilton Hotels, Arizona State University, Uber, and Best Buy. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies supported by internal and third-party managers.

Sean Degenhart is a financial advisor at Wells Fargo Clearing with a Series 66 designation and five years of industry experience. He has been with Wells Fargo Clearing since 2020 and has worked at Wells Fargo Bank, N.A. since 2012. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven, based on modern portfolio theory, and includes a broader set of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Michael Lopez is a financial advisor at J.P. Morgan Securities in Tempe, Arizona, holding Series 63 and Series 66 licenses with six years of industry experience. He has worked at J.P. Morgan Securities since 2020 and previously held roles at TD Ameritrade, Grant Thornton, and Texas A&M University. Outside of his advisory work, he has an administrative role in a children’s book business owned by his wife. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process incorporates quantitative and qualitative research, offers ESG considerations, and includes broader derivatives and commodities capabilities.

David Oster is a financial advisor at Edward Jones in Tempe, AZ, holding Series 63 and Series 65 credentials with 17 years of industry experience. Prior to joining Edward Jones in 2018, he worked at JP Morgan Securities and Wells Fargo Advisors. Outside of his advisory role, Oster is an active musician performing under his own entertainment business, Bishop Industries, and is involved with the Knights of Columbus, a Catholic fraternal service organization. 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 strategies, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Ethan Crupe is a financial advisor at Morgan Stanley with one year of industry experience. He has worked previously at The Vanguard Group, Inc. for four years and has experience in lending and entrepreneurial activities. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning supported by structured processes and firm-approved tools.

Alexandra Teague is a Series 66 credentialed financial advisor with 13 years of industry experience. She has worked at J.P. Morgan Securities since 2026 and previously spent 14 years with Edward Jones. Alexandra is based in Tempe, AZ. 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 within a non-discretionary advisory program.

Zachary Smolens is a financial advisor with Merrill holding a Series 66 designation and has been in the industry since 2024. His prior experience includes roles at JPMorgan Chase and Bank of America, N.A. Outside of financial services, he has worked in various sectors including food delivery and retail. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Suzanne King is a CFP® with 32 years of industry experience, all of which she has spent at Robert Baird & Co. since 1994. She holds a Series 63 designation and is based in Gilbert, AZ. She is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers customized financial planning and portfolio management services, utilizing a range of strategies including separately managed accounts and overlay services.