Zoe Colovic is a financial advisor with Morgan Stanley in Bloomfield Hills, MI, holding Series 63 and Series 65 licenses and having three years of industry experience. Her prior roles include positions at Extended Vacation and Advanced Customer Services, with a substantial period spent in education before entering the financial industry. Morgan Stanley Wealth Management serves individual and institutional clients by providing 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 modeling techniques to support its financial planning process.

Ramiro Ramirez is a financial advisor at Morgan Stanley with eight years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley since 2018, following prior roles at Merrill and Wells Fargo. Outside of his advisory work, Ramirez is the sole proprietor of an online retail business based in Phoenix, Arizona. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and analyses.

Stephen Surat is a Financial Consultant at Fidelity Investments, a role he has held since 2022. In this capacity, he partners with clients to understand their personal and family priorities, developing customized financial plans tailored to their unique needs. He emphasizes forming and maintaining strong, trusting relationships to serve the evolving financial needs of his clients and their families. Prior to his current position, Stephen worked at Vanguard from 2015 to 2022, where he gained experience as a Business Development Associate and later as a High Net Worth Financial Advisor. He holds an Arkansas Insurance License, supporting his advisory capabilities. Outside of his professional work, Stephen has interests in cars, family activities, hiking, parenthood, and volunteering.

Pierce Brown is a financial advisor with LPL Financial in Tempe, AZ, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Morgan Stanley and Charles Schwab & Co., Inc. Outside of his advisory work, he is employed part-time with rideshare companies including Uber, Lyft, and DoorDash. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and consulting services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Gary Chamberlain is a financial advisor with Edward Jones in Gilbert, AZ, holding Series 63 and Series 66 designations and 21 years of industry experience. He has been with Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of investment solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Jonathan Downs is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in corporate executive services, family wealth management strategies, legacy planning, personal retirement planning, socially responsible and ESG investing, special needs planning strategies, individual and corporate investment strategy, tax minimization, and retirement income. Jonathan aims to connect all aspects of his clients' financial lives to help prioritize and pursue the goals that matter most to them. Jonathan holds a Bachelor's degree in Personal Financial Planning from Arizona State University's W.P. Carey School of Business. During his studies, he participated in the Financial Planning Student Association. He holds the designations of CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional work, Jonathan is involved with Gilbert Toastmasters and the Chandler Horizon Rotary, organizations that provide opportunities to develop public speaking and leadership skills. Born and raised in Chandler, Arizona, he enjoys spending time with his family and friends, traveling, going to the gym, and attending sporting events.

Macauley Beloney is a financial advisor at LPL Financial with 34 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Woodbury Financial Services and OSAIC. Outside of advising, he is involved in managing an insurance agency and a business entity called Avery Island LLC. LPL Financial is an SEC-registered investment adviser and broker‑dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a broad range of advisory programs, financial planning, and brokerage services with both discretionary and non-discretionary management, supported by research from LPL and third-party subadvisors.

Trumaine Gammage is a financial advisor at Charles Schwab in Phoenix, AZ, with 15 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Charles Schwab since 2010. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational and supervisory capabilities.

Tracy Mccormick is a Series 66-credentialed financial advisor with Edward Jones, based in Tempe, AZ, and has 14 years of industry experience. She has been with Edward Jones since 2008. Outside of her advisory role, she provides dog sitting services in Mesa, AZ on an as-needed basis. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a wide range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices.

Julianna Elsesser is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Her prior work includes roles at EPSARC and FedEx Ground. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research and quantitative analysis to construct model portfolios across mutual funds, ETFs, and ETPs. The firm also serves as an advisor to registered investment companies and utilizes algorithmic methods and AI in its investment process.

Jennifer Aringdale is a financial advisor at Merrill with 12 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2011. Outside of her advisory role, she serves as an executor for two estates in Arizona. 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 a range of clients including individuals, high-net-worth clients, and institutional entities.

Cord Crismon is a financial advisor at Ameriprise with a Series 66 credential and one year of industry experience. Prior to joining Ameriprise, he worked at Solar Pros and Managed Wealth Financial, and he also has experience in education and community roles including time at Brigham Young University-Idaho and The Church of Jesus Christ of Latter-day Saints. He is involved in managing an advisory business outside of Ameriprise through Alta Management Group. Ameriprise is a large institutional firm that offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendations, primarily for clients holding assets in Ameriprise-managed accounts.

Maggie Zaun is a financial advisor at Edward Jones in Mesa, AZ, holding a Series 66 designation with six years of industry experience. She has worked at Edward Jones since 2017 and previously held positions at UHC Optum 360 and Green Mill. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, managing approximately $1.01 trillion in assets.

Michael Vazquez is a financial advisor with J.P. Morgan Securities LLC based in Tempe, AZ. He holds Series 63 and Series 66 licenses and has seven years of industry experience. His prior roles include positions at The Vanguard Group, Robinhood Financial, and several other companies. Outside of his advisory work, he also works as an independent contractor for DoorDash on weekends and evenings. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through a program that combines quantitative asset-allocation modeling with centralized due diligence, offering non-discretionary, customized investment advice.

Edmond Presz is a financial advisor at Morgan Stanley in Gilbert, AZ, holding Series 63 and Series 66 licenses with three years of industry experience. He previously worked at Charles Schwab for two years and M Group & Associates for one year. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured discovery and planning tools to develop financial plans and provides a broad range of advisory programs and investment products.

Jan R. Klype is a financial advisor at J.P. Morgan Securities with eight years of industry experience and holds the Series 66 designation. His prior work history includes roles at Schwab Private Client Investment Advisory, Inc. and Charles Schwab. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Simon Whitaker is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at J.P. Morgan Securities since 2018, following a brief tenure at Capital One Advisors and Capital One Investing. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to inform its recommendations.

Richard Bonge is a financial advisor with Ameriprise in Phoenix, AZ, holding Series 65 and Series 66 licenses and 12 years of industry experience. He has been with Ameriprise and its predecessor entities since 2012, with a brief hiatus in 2020. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning focused on dependable income and tax-aware withdrawal strategies.

Michael Barlow is a financial advisor with Wells Fargo Clearing in Gilbert, AZ, holding Series 63 and Series 65 licenses and 43 years of industry experience. He has been with Wells Fargo Clearing since 2016, following four years at Wells Fargo Advisors. 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 brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute and third-party data.

Brandon Whiteley is a Financial Consultant at Fidelity Investments, a role he has held since 2025. Prior to this, he accumulated experience at Fidelity Investments in various positions including Planning Consultant from 2024 to 2025, Relationship Manager from 2023 to 2024, and Financial Representative from 2022 to 2023. In his current capacity, he partners with clients to develop strategies and analyses tailored to their specific goals. Brandon holds insurance licenses in Arkansas and California. His approach centers on the personalized application of financial insights to assist clients in working toward their objectives. Outside of his professional activities, Brandon has interests in comedy, fitness, food, music, outdoor adventures, and volunteering.