Wayne Ballinger is a financial advisor at Wells Fargo Clearing with 39 years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes roles at Morgan Stanley and Citigroup Global Markets. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, retirement plan consulting, and brokerage solutions, leveraging research and analytics to support portfolio management.

Michael Mcavoy is a financial advisor with Wells Fargo Clearing in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. His prior work includes roles at Oppenheimer & Co and Morgan Stanley Smith Barney. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Amanda Fox is a CFP® professional with 17 years of industry experience. She currently works at Fidelity Investments and has previously held roles at Morgan Stanley and The Vanguard Group. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm’s distinctive operations include managing fund-of-funds structures and employing AI-driven methods in portfolio development.

James Wade is a financial advisor at OSAIC with 21 years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at Triad Advisors, Inc. and Truist Investment Services, Inc. OSAIC serves a diverse group of clients including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm’s investment approach focuses on model-based asset allocation and portfolio optimization, offering a range of advisory and brokerage services delivered via affiliated broker-dealer and RIA relationships.

Gurgen Terlemezian is a financial advisor with J.P. Morgan Securities based in Scottsdale, AZ. He holds Series 63 and Series 66 registrations and has seven years of industry experience. His work history includes roles at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., as well as Wells Fargo Bank, N.A. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary written asset allocation advice and customized performance reporting. The firm’s process combines quantitative and qualitative research to build model asset allocations, with a focus on eligible strategies that may incorporate ESG criteria.

Michael Hay is a financial advisor with Wells Fargo Clearing in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. His prior roles include over a decade at Morgan Stanley and its affiliates from 2001 to 2012. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by in-house research and third-party analytics.

Nathaniel Stangler is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has previously worked at Merrill Lynch and BMO Harris Bank. 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. Their advisory process combines quantitative screening and qualitative research, with an emphasis on model asset allocations supported by centralized due diligence.

John Findley is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Lincoln Financial Advisors Corporation for 36 years. Outside of advisory services, he owns Momentum Value Partners LLC, through which he manages fixed and indexed annuities, long-term care, and traditional life insurance offerings. OSAIC Wealth serves a diverse client base, including retail and institutional investors, providing brokerage and advisory services through a multi-advisor platform. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, offering a range of managed accounts and third-party money manager programs.

Richard Riemer is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities LLC since 2012, also maintaining a role with JPMorgan Chase Bank, N.A. since 2007. Prior to that, he spent a year with Equitable Advisors. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a select group of Wealth Advisors. The firm offers non-discretionary asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and an ESG eligibility framework.

John Chitwood is a financial advisor with OSAIC in Scottsdale, AZ, holding Series 63 and Series 66 designations and bringing 34 years of industry experience. He has been with Sagepoint Financial, Inc. since 2009. Outside of his advisory role, he serves as a successor trustee for the Caruso Family Trust. OSAIC Wealth serves a diverse client base, including individual investors, retirement plans, charities, and corporations, offering a range of brokerage and advisory services. The firm employs a model-based investment approach emphasizing asset allocation, portfolio optimization, and risk management, supported by various managed account strategies and third-party managers.

Tamara Frattarelli is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. She has worked at SagePoint Financial since 2017 and previously spent four years with BMO Harris Financial Advisors. OSAIC Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and retirement plan consulting. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization, supporting various strategies and third-party manager selections.

Hunter Cruise is a financial advisor at Morgan Stanley in Scottsdale, AZ, holding a Series 66 designation with three years of industry experience. Prior to joining Morgan Stanley, he worked at QuikTrip and Papa Johns, and has several years of experience in education at Red Mountain High School and Fremont Junior High. Outside of his advisory role, he owns a sole proprietorship involved in property management and customer service. Morgan Stanley Wealth Management is a large SEC-registered investment 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 planning process supported by firm-approved tools.

David Wyzgowski is a financial advisor with LPL Financial in Scottsdale, AZ, holding a Series 66 credential and 20 years of industry experience. His prior experience includes 16 years at VALIC Financial Advisors. Outside of his advisory role, he is involved with Miriam Financial LLC, a business entity for tax and investment purposes. 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, supported by technology such as machine learning and a broad platform that integrates advisory and non-advisory financial activities.

Suzanne Appleby is a financial advisor with Merrill in Scottsdale, AZ, holding a Series 66 designation and over 20 years of industry experience. She has been with Merrill since 1996. 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.

Julie Mitchell is a financial advisor with Ameriprise in Cave Creek, AZ, holding a Series 66 designation and 21 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2014. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and delivers recommendations through a centralized consulting team in partnership with advisors like Mitchell.

David Debellis is a financial advisor with Equitable Advisors in Scottsdale, AZ, holding a Series 66 designation and eight years of industry experience. He previously worked at Axa Advisors and has experience outside finance, including operating a sports bar and grill. Equitable Advisors serves a diverse client base ranging from individual investors to institutional clients, providing financial planning, retirement consulting, and asset management through a network of representatives and third-party programs.

Gay Melynne Writer is a Wealth Management Senior Relationship Manager at Fidelity Investments, where she manages client relationships and serves as the primary point of contact for Private Wealth Management clients and their families. She focuses on delivering personalized service and facilitating wealth planning discussions to enhance client experience. Her professional experience spans multiple roles in the financial services industry, including positions as a Financial Consultant at Fidelity Investments and Charles Schwab & Co., a Financial Solutions Advisor at Bank of America Merrill Lynch, and roles at TD Ameritrade, Boeing Employees Credit Union, and Wells Fargo Bank. This background encompasses client service, financial consulting, and relationship management. Outside of her professional work, Gay enjoys beach activities, hiking, puzzles, skiing, traveling, and yoga.

Melissa Brasseur is a financial advisor at Osaic with 18 years of industry experience. She holds a Series 66 designation and previously worked at Edward Jones from 2009 to 2015 before joining SAGEPOINT FINANCIAL in 2015. Osaic Wealth serves a diverse group of retail and institutional clients through a large multi-advisor platform, offering brokerage and advisory services that include financial planning, managed portfolios, and retirement plan consulting. The firm’s investment approach is model-based, emphasizing asset allocation and portfolio optimization supported by various tools and discretionary strategies.

Christian Serena serves as Senior Resident Director at Merrill, where he leads a nine-person team delivering solutions for clients with complex financial needs. He advises on asset and liability management along with trust and estate planning strategies. In his role as Resident Director, he manages an office of ten advisors who deliver advisory services to their clients. Christian focuses on working closely with ultra-high net worth individuals, families, and business owners across the United States to keep client priorities front and center while maintaining a market-focused approach. His team provides a comprehensive range of strategies including investment and risk management, concentrated stock strategies, credit and lending solutions, insurance, access to family office services and private banking, alternative investments, and philanthropy. He collaborates with attorneys, CPAs, valuation experts, and real estate specialists to build integrated strategies tailored for complexity. Christian holds a Bachelor's degree from Western New Mexico University, an Accredited Certificate from New York University, and an MBA from the University of Chicago. He has earned several professional designations including Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He resides in Scottsdale, AZ with his wife and three daughters. His personal interests include boating, cooking, horseback riding, reading, spending time with family, traveling, and yoga. He is involved in professional organizations such as the City of Scottsdale Planning Commission, Scottsdale ARTS AG2 (Young Professionals), Scottsdale Museum of Contemporary Art, and Scottsdale Prevention Institute.

Loy Hibbs IV is a financial advisor at OSAIC with 15 years of industry experience and holds a Series 66 designation. He owns and serves as CEO of Alliance Wealth Management, specializing in insurance sales and service. His career includes roles at LPL Financial, Waddell & Reed, and operating his own LLC for business management. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations through a multi-advisor platform offering both brokerage and advisory services. The firm utilizes model-based asset allocation and portfolio optimization strategies and is notable for its scale, complex affiliate network, and recent consolidation activity.