Melanie Cash is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 19 years of industry experience. She has worked at J.P. Morgan Securities and Jpmorgan Chase Bank in Arizona since 2011. 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 and fund searches, and customized performance reporting. Their advisory process combines quantitative screens and qualitative research to develop model asset allocations, with a broader derivatives and commodities capability reflected in their unique regulatory registrations and affiliations.

Madelaine Steiner is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2017. Prior to joining Merrill, she worked at the University of Arizona for one year. 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 individual and institutional clients.

Steven Andrews is a financial advisor with LPL Enterprise, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Ski Pro and BeatBox Beverages LLC. Outside of advisory work, he has been involved in employment at Ski Pro and data entry for Fairytale Brownies. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a network of investment adviser representatives. The firm uses a model-driven investment approach and offers financial planning, access to third-party asset managers, and participation in wrap programs, alongside affiliated insurance and trust services.

Adam Dugaw is a financial advisor with Wells Fargo Clearing in Scottsdale, AZ, holding Series 63 and Series 66 designations and 16 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and has been with Wells Fargo Bank N.A. since 2007. 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 both brokerage and advisory solutions.

Chase Cates is a financial advisor at RBC Capital Markets with Series 63 and Series 66 credentials and three years of industry experience. Prior to joining RBC in 2026, he worked at MFS Fund Distributors, Inc. for four years. His background also includes roles outside of finance, such as positions at Cooper's Hawk Winery and Restaurant and the Chicago Justice Project. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, and charitable organizations. The firm offers various wrap fee advisory programs with tailored strategies implemented through a mix of in-house and third-party investment managers.

Benjamin Cohen is a financial advisor at Charles Schwab with nine years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Schwab in 2021, he worked at Vanguard from 2016 to 2020 and was self-employed for a period. Outside of his advisory work, he also drives for Uber and Lyft on a part-time basis. 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 client advisory relationships with access to discretionary separately managed accounts, offering multi-asset model portfolios and alternative investment options, supported by a large-scale integrated operational structure.

Steven Binder is a financial advisor with Ameriprise Financial Services, LLC, holding a Series 63 designation and bringing 33 years of industry experience. Prior to joining Ameriprise, he worked at Merrill and LPL Financial. He also owns Retirement Wealth Strategies, LLC, a consulting business unrelated to investment management. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement planning advice focused on income sources and tax-aware withdrawal strategies.

Michael Digrazia is a CFP® professional with 27 years of industry experience, currently serving at Wells Fargo Advisors since 2023. He spent 19 years at UBS Financial Services prior to joining Wells Fargo. Outside of his advisory role, he has ownership in RMD Development LLC, a home renovation business based in Scottsdale, AZ. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services utilizing proprietary research and tools, with clients able to implement recommendations through various brokerage or advisory programs.

Tonya Stockton is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 17 years of industry experience. She has worked at Empower Retirement for 17 years and more recently at AssetMark Financial Holdings and Cetera since 2022. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, retirement plan, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with access to multiple investment programs and third-party managers.

Richard Wilson is a Wealth Management Advisor and First Vice President at Merrill Lynch Wealth Management, where he has been serving clients since 1997. He focuses on constructing wealth management strategies and asset allocation tailored to clients and their families, emphasizing college education planning, family wealth management strategies, personal retirement planning, philanthropic planning, and tax minimization. He holds the CERTIFIED FINANCIAL PLANNER4 designation and the Personal Investment Advisor credential. Mr. Wilson graduated magna cum laude from Arizona State University and is fluent in Portuguese, with conversational skills in Spanish. He has served as president of the BYU Management Society Phoenix Chapter and as a board member of the BYU Alumni 09 Arizona Chapter. Currently, he assists his wife in stewarding the non-profit organization Hello Sunshine. Outside of his professional role, Richard enjoys spending time with his wife, Maryjane, and their five children. His personal interests include golfing, basketball, hiking, traveling, cooking, gardening, and spending time with family.

Scott Hutto is a financial advisor with J.P. Morgan Securities in Cave Creek, Arizona, holding Series 63 and Series 65 licenses and 14 years of industry experience. His prior work includes roles at TD Ameritrade, Scottrade, Bank of America, and Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm integrates quantitative and qualitative research with forward-looking capital market assumptions to develop model asset allocations and offers a range of derivatives and commodities capabilities.

John Harman V is a financial advisor with Mass Mutual Investors Services in Scottsdale, AZ. He holds the Series 66 designation and has one year of industry experience, having previously worked in dental care and other fields. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, utilizing firm-approved analytical tools to develop collaborative, ongoing planning relationships.

Alexandra Whitcher is a financial advisor at Cetera with one year of industry experience. She holds a Series 66 designation and has worked in client service and account maintenance roles at Mosaic Financial Associates since 2024. Prior to her advisory career, she held various positions in the hospitality and retail sectors. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and provides access to multiple program structures and third-party money managers.

Kurt Klingenberg is a financial advisor with Raymond James & Associates in Scottsdale, AZ, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has been with Raymond James & Associates since 2016. Outside of his advisory role, he is a managing partner of a family limited partnership. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base that includes individuals, institutions, pension plans, and municipal entities, providing financial planning and investment consulting services through various specialized programs.

Matthew Eherts is a financial advisor with Merrill in Glendale, AZ, holding a Series 66 designation and seven years of industry experience. His work history includes roles at Bank of America and Social Tap. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Rod Glisic is a financial advisor at Merrill with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Bank of America and Merrill for the past 13 years. Outside of his advisory role, he is a co-owner of a family rental property in Peoria, Arizona. 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, offering model-based and discretionary investment strategies developed by internal teams and third-party managers.

James Boullion is a financial advisor with UBS Financial Services in Phoenix, AZ, holding a Series 63 designation and bringing 33 years of industry experience. He has been with UBS Financial Services since 2001. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings to tailor solutions based on proprietary research and capital market assumptions.

Daniel Saba is a financial advisor at Wells Fargo Advisors in Scottsdale, AZ, holding a Series 66 designation with 11 years of industry experience. He has been with Wells Fargo Advisors since 2015. Outside of his advisory role, he is a co-trustee for a 401(k) plan and has a minority interest in a rental property business. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients who meet a net-worth threshold, utilizing proprietary research and tools to develop recommendations.

Ryan Hansen is a financial advisor at LPL Financial with four years of industry experience. Prior to joining LPL Financial and OneAZ Credit Union in 2025, he worked at Edward Jones for three years and Rocket Mortgage for six years. Hansen holds a Series 66 designation. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a network of over 22,800 advisors.

Ryan Becerra is a Series 65-licensed financial advisor at Edelman Financial Engines with four years of industry experience. He has worked at Edelman Financial Engines since 2026 and previously at Financial Engines Advisors L.L.C. from 2022 to 2026. His background also includes roles at ZipRecruiter Inc and Swiftpage. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services for individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven modeling process combined with planner delivery and online tools, offering diversified, long-term oriented investment solutions across various account types.