William Brooks is a financial advisor at Cetera with 27 years of industry experience. He holds the CFP® and ChFC® designations, along with a Series 66 license. Brooks has been affiliated with Cetera and its affiliates since 2013. Outside of his advisory work, he serves as a soccer referee for youth leagues and is president of his own financial services firm, William Brooks, Inc. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporations, charities, and institutions. The firm offers diverse portfolio management options and financial planning through a multi-manager platform with access to both affiliated and third-party managers.

Tommie Bonner is a financial advisor at Edward Jones in Gilbert, AZ, holding a Series 66 designation with nine years of industry experience. He has been with Edward Jones since 2015. Outside of his advisory role, he is involved in managing several rental property LLCs. 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 and investment solutions, supported by a nationwide network of over 23,000 financial advisors and operates under a fiduciary standard.

Shana Despres is a financial advisor with MassMutual Investors Services in Phoenix, AZ, holding Series 63 and Series 65 registrations and bringing 30 years of industry experience. Her prior work includes 13 years at Metlife Securities Inc. and a decade with MassMutual Life Insurance Company. She is also CEO and financial planner at Milestone Financial, LLC, where she provides financial advice and planning strategies. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charities, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, employing firm-approved software to develop collaborative, written recommendations.

Andrew Fugate is a financial advisor with Morgan Stanley in Gilbert, AZ, holding Series 63 and Series 66 licenses and nine years of industry experience. He previously worked at E*TRADE Securities LLC before joining Morgan Stanley, where he has been since 2023. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services through both direct and corporate financial planning agreements.

Nicole Babcock is a Series 66-credentialed financial advisor with Edward Jones in Tempe, AZ, where she has worked since 2012, totaling 13 years of industry experience. She has been with Edward Jones throughout her advisory career. 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 advisory programs, including discretionary and non-discretionary wrap fee strategies, access to separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Joshua Mogush is a CFP® professional with 22 years of experience in the financial services industry. He is currently affiliated with Cetera Wealth Services, LLC and Cetera, having previously worked at Avantax Advisory Services and H&R Block among other firms. Mogush also holds power of attorney responsibilities for family members, assisting with their financial matters due to health-related issues. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options and program structures, supported by a large network of over 10,000 advisors and substantial assets under management.

Monica Melvin is a financial advisor at Merrill with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill since 2014, with concurrent experience at Bank of America, N.A. since 2017. 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.

William Acosta is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds the Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2013. Outside of his advisory role, he manages Dolphin Bay Rentals LLC, a family investment offering vacation rentals in San Carlos, Mexico, and is involved in other real estate ventures including managing rental properties. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory capabilities with brokerage and investment management functions, offering recommendations on a non-discretionary basis while clients maintain final decision authority.

Nicholas Guaragna is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley. Outside of financial advising, he was involved with True Merch LLC and Sale O Matic from 2019 to 2021. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Candice Guadagnino is a financial advisor at Merrill with nine years of industry experience and holds a Series 66 designation. She has been with Merrill since 2017 and previously worked at Charleston's Restaurant. Candice serves as a board member for the AZTEC Wrestling Booster Club, where she helps organize events and plan activities for a high school wrestling team. 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, pension plans, corporations, and charitable organizations.

Julia Mc Cray is a CFP®-certified financial advisor with 22 years of industry experience. She is currently with J.P. Morgan Securities, where she has worked since 2019. Prior to that, she was with Schwab Private Client Investment Advisory and Charles Schwab from 2014 to 2019. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory capabilities with affiliated brokerage, distribution, and investment management services.

Charles Mills is a Series 66-registered financial advisor with Edward Jones in Gilbert, Arizona, where he has worked since 2008. He has 17 years of industry experience. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management, offering a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products supported by a nationwide network of more than 23,700 financial advisors.

Derek Maisel is a financial advisor at Morgan Stanley in Gilbert, AZ, holding Series 63 and Series 66 licenses with four years of industry experience. Prior to joining Morgan Stanley in 2022, he worked at The Vanguard Group and has experience in educational technology companies including TutorABC, Cambly Inc., and AirTutors. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate strategies, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and modeling techniques to develop financial plans, generally acting in an advisory capacity.

Thomas Verde is a financial advisor with Edward Jones in Tempe, AZ, holding Series 63 and Series 66 licenses and having 14 years of industry experience. He has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Mlungisi Sibanda is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., he worked at Vanguard and has earlier experience at Empowerbank Ltd and Homelink Private Limited. 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 applying an ESG eligibility framework in its investment recommendations.

Nathan Schilling is a financial advisor at Merrill with Series 66 and Series 63 licenses and four years of industry experience. His prior work includes roles at Bank of America, JPMorgan Chase Bank, J.P. Morgan Securities, Altabank, and The Domani Group. He has also been involved with a Christmas tree farm and held positions at Utah Valley University and Arizona State University. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Martha Landon is a financial advisor at Fidelity with 26 years of industry experience. She holds Series 63 and Series 65 credentials and has worked previously at The Vanguard Group and Bank of America. She is also a notary public in Phoenix, Arizona. 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 from a broad range of mutual funds, ETFs, and ETPs.

Timothy Orendorff is a financial advisor with Edward Jones in Tempe, Arizona, holding a Series 66 designation and 16 years of industry experience. He has been with Edward Jones since 2007. Outside of his advisory work, he owns and operates a sports photography business photographing his son's school and club basketball games. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory solutions including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Dave Bealer is a financial advisor at Edward Jones in Phoenix, AZ, holding a Series 66 designation with seven years of industry experience. Prior to joining Edward Jones in 2018, he worked at Slalom LLC and spent 18 years at T-Mobile USA, Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a variety of advisory programs and investment strategies supported by a nationwide network of more than 23,700 financial advisors.

Robert Urbano is a financial advisor with Morgan Stanley in Tempe, AZ, holding a Series 66 designation and six years of industry experience. He previously worked at Merrill for four years and has experience outside finance at Papa Murphy's and Central Arizona College. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including customized financial planning and estate strategies. The firm manages approximately $2.74 trillion in assets and employs structured planning tools such as Monte Carlo simulations to support client outcomes.