Tate Kopulos is a financial advisor at J.P. Morgan Securities with a Series 66 designation and two years of industry experience. He has worked at several firms, including Thompson Wealth Management and Harbour Investments, Inc., before joining J.P. Morgan Securities. 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 investment recommendations.

Kirby Pederson is a financial advisor with MassMutual Investors Services in Phoenix, AZ, holding CFP® and ChFC® designations and possessing 14 years of industry experience. He has been with MassMutual and its affiliated firms since 2011 and has additional experience dating back to 2010 with Dollarhide Financial Group. Outside of his advisory role, Pederson serves as treasurer on the board of Fatih Lutheran Preschool, where he assists with budgeting and serves on the executive committee. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides comprehensive financial planning, asset management, and educational programs, employing firm-approved analytical tools to deliver customized financial recommendations.

Natalie Rivosecchi is a CFP® with 16 years of industry experience, currently serving at Charles Schwab in Phoenix, AZ. Her work history includes roles at HF Management LLC since 2017 and Schwab Wealth Advisory Inc. from 2015 to 2025. Outside of her advisory career, she is involved in real estate through ownership and decision-making in a property management LLC. 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 and offers a multi-asset investment approach supported by centralized operations and due diligence on alternative investments.

Joshua Goudreau is a financial advisor at Merrill with 12 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Victor Danzo is a financial advisor with Charles Schwab in Phoenix, Arizona, holding Series 63 and Series 66 designations and 27 years of industry experience. He has been with Charles Schwab since 1997. 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by a multi-asset investment approach and centralized operational infrastructure.

Stanton Dwight is a financial advisor at Ameriprise in Scottsdale, AZ, holding Series 63 and Series 65 designations with 40 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with substantial investable assets, providing detailed Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach and delivers recommendations through a centralized consulting team.

Kelly Luft is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds the Series 66 designation and has been with JPMORGAN Chase Bank, N.A. and J.P. Morgan Securities since 2015. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Nancy Luc is the Vice President and Branch Leader at Fidelity Investments, where she leads a team of financial consultants dedicated to understanding clients' priorities and assisting them in developing and implementing financial plans tailored to their needs. She has served in this role since 2020. With experience at Fidelity Investments dating back to 2011, Nancy has held positions including Vice President, Regional Planning Consultant from 2015 to 2020, and Vice President, Financial Consultant from 2013 to 2015 before becoming Branch Leader. She holds a California Insurance License, which supports her work in financial consulting. Throughout her career, Nancy's focus has been on guiding clients toward their financial goals through careful planning and strategy implementation.

Andrew Genco is a financial advisor at Charles Schwab with 18 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Charles Schwab since 2006, including a role at Charles Schwab Bank since 2018. 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 affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Ricky Walsh is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2019. In this capacity, he collaborates with clients to understand their unique financial situations and goals, working to implement comprehensive financial plans. He offers access to Fidelity's brand resources, technology, investment platforms, and client-focused approach. Prior to joining Fidelity, Ricky accumulated experience in various financial roles, including Branch Manager at TD Ameritrade in 2019, Platform Development Manager and Investment Consultant at Merrill Edge from 2011 to 2018, and roles at Scottrade, Charles Schwab, and Northwestern Mutual dating back to 2006. He holds insurance licenses for the states of Arkansas and California.

Luke Murray is a CFP® professional with 12 years of experience, currently serving as a financial advisor at Edward Jones since 2014. He holds the Series 66 designation and is based in Gilbert, AZ. Outside of his advisory role, he owns rental properties in Queen Creek, AZ. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment solutions. The firm operates under a fiduciary standard and is notable for its extensive national network of advisors and branch offices, as well as its affiliated trust company and proprietary investment options.

John Hardison II is a financial advisor at Merrill with three years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America and in the hospitality industry with The Cosmopolitan of Las Vegas and MGM Resorts International. Outside of his advisory role, he is involved in a lifestyle company called The Collective Group, which produces body care items and apparel. 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, and institutions.

Lori Walters is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and 16 years of industry experience. She has worked at Charles Schwab since 2006, with a three-year period at TD Ameritrade from 2021 to 2024. Charles Schwab & Co., Inc. serves a large client base, 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 offers both non-discretionary and discretionary investment guidance, combining centralized custody and order-routing with access to affiliated investment management and alternative investments.

Andrew Miller is a financial advisor at Thrivent Investment Management with 14 years of industry experience. He holds the Series 66 designation and has worked at Thrivent Financial and Thrivent Investment Management since 2021, following a seven-year tenure at CUSO Financial Services, LP. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a large network of Financial Advisors. The firm offers goal-based, holistic planning on a range of topics and allows clients to combine planning with managed accounts under a consolidated billing option, while keeping these services separate.

Scottie Bayles is a financial advisor with J.P. Morgan Securities LLC, holding a Series 66 credential and bringing six years of industry experience. His background includes roles at Securian Financial, Renaissance Financial Corp, and Minnesota Life Insurance Co. Outside of finance, he works seasonally as a scorekeeper and sight supervisor for the City of Scottsdale Adult Sports. 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 an ESG eligibility framework in its investment approach.

Hunter Jensen is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and four years of industry experience. He has worked at J.P. Morgan Chase Bank NA and JPMorgan Securities LLC since 2022. 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 team of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Teodoro Esparza is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and previously worked at The Home Depot for four years. Outside of his advisory role, he is the sole owner and manager of PopCap LLC, a for-profit entity created for fun and potential future ventures. 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 strategies for a range of clients including individuals, high-net-worth investors, and institutional accounts.

Nicholas Covert is a Series 66-licensed financial advisor with Morgan Stanley in Tempe, Arizona. He has two years of industry experience, including prior roles in education and retail. Outside of finance, he creates non-finance-related videos on social media and streams on Twitch.TV after work hours. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, providing tailored financial planning supported by structured discovery conversations and firm-approved tools.

Gregory Stark is a CFP® with 30 years of industry experience, currently serving as a financial advisor at Raymond James Financial. He has been with Raymond James Financial Services Advisors, Inc. since 2016. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional entities. The firm offers non-discretionary planning tailored to client goals, utilizing analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Scott Holman Jr. is a financial advisor at Cetera with 13 years of industry experience. He holds the Series 63 and Series 66 designations and has previously worked at Edward Jones. Holman is based in Phoenix, AZ. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services, operating as a multi-manager platform with access to both affiliated and third-party investment strategies.