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® with 22 years of experience in the financial advisory industry. He currently works at Cetera and has previously held roles at Avantax Advisory Services and H&R Block. He also serves as power of attorney for family members managing their financial affairs due to health-related issues. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

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 with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. He has been with J.P. Morgan Securities since 2013 and previously worked at Chase Investment Services Corp. Acosta is also involved in managing private real estate ventures, including vacation rentals in Mexico. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting.

Nicholas Guaragna is a financial advisor at J.P. Morgan Securities in Tempe, AZ, holding a Series 66 designation with four years of industry experience. Prior to joining J.P. Morgan Securities and JPMORGAN Chase Bank in 2025, he worked at Morgan Stanley from 2021 to 2025. From 2019 to 2021, he was involved with True Merch LLC. / Sale O Matic. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their advisory approach combines quantitative and qualitative research to offer written asset allocation advice, investment manager searches, and customized performance reporting, with clients retaining final decision-making authority.

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.

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 with Series 63 and Series 66 credentials and four years of industry experience. Prior to joining Morgan Stanley in 2022, he held roles at The Vanguard Group, AirTutors, Cambly Inc., and TutorABC. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process utilizes structured discovery conversations and proprietary tools, and serves clients through both direct and corporate agreements.

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.

Edward Marshall is a CFP® and PFS™ with 27 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2009 and previously was with Avantax Advisory Services for six years. In addition to his advisory role, he serves as Treasurer and Board Member for the Eldorado on 1st Homeowners Association and provides tax preparation and consulting services. Cambridge Investment Research Advisors serves a diverse range of individual and institutional clients by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management through multiple platforms and maintains proprietary model strategies under the Founders Gate Capital brand.

Mlungisi Sibanda is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 licenses and one year of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., he worked at Vanguard and held roles at Empowerbank Ltd and Homelink Private Limited. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative manager due diligence and incorporates an ESG eligibility framework.

Michael Loftus is a financial advisor with OSAIC based in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior roles include positions at American Portfolios Financial Services, Regal Investment Advisor, Regulus Advisors, and Woodbury Financial Services. Outside of his advisory work, Loftus serves on the Board of Directors for the Camelback Kiwanis Memorial Fund, a charity focused on educational scholarships. OSAIC Wealth serves a diverse client base including retail investors, high-net-worth households, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform featuring model-based asset allocation, portfolio optimization, discretionary managed strategies, and access to third-party money managers through a complex network of affiliated broker-dealers, RIAs, and asset management entities.

Nathan Schilling is a financial advisor at Merrill with Series 66 and Series 63 licenses and four years of industry experience. His prior roles include positions at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, and Altabank. He also has experience outside finance, including operating a Christmas tree farm and working in various roles while attending university. 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, with a range of tactical and strategic asset allocation options.

John Sacco is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. His career at Morgan Stanley spans various roles since 2007, including positions at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management serves both individual and institutional clients, offering advisory programs that include tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

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.

Nicholas Penido is a financial advisor with Mass Mutual Investors Services in Scottsdale, AZ, holding Series 63 and Series 65 licenses and possessing 15 years of industry experience. He has been with Mass Mutual Investors Services since 2016 and with Massachusetts Mutual Life Insurance Co since 2015. Outside of his advisory role, Penido is involved in public speaking on business planning for MassMutual groups and owns a concierge service specializing in booking experiences and gifts for companies. He also serves on the finance committee of Scottsdale Bible Church. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser offering ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes annual, collaborative planning engagements using firm-approved tools and offers a range of investment programs and educational seminars.

Gage Hropoff is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill and Bank of America, he held positions at Lowe's, Fry's Food Store, and worked in education at Grand Canyon University, Higley High School, and Sossaman Middle School. 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.

Samuel Thomas is a financial advisor at Merrill with 11 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Merrill since 2014. Prior to this, he has been affiliated with Bank of America since 2021. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for 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 clients, and institutions.