Daniel Geffre is a financial advisor with Edward Jones in Scottsdale, AZ, holding Series 63 and Series 66 credentials and 37 years of industry experience. He has been with Edward D. Jones & Co., L.P. since 1993. Outside of his advisory role, Geffre has taught a basic financial markets class through Moorhead Community Education. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, operates under a fiduciary standard, and maintains a large network of advisors and branch offices nationwide.

Jorge Ramos Terrazas is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. His prior roles include positions at Charles Schwab & Co., Inc. and The Vanguard Group, Inc. Outside of advisory work, he is a partner in a restaurant and bar business based in Phoenix, Arizona. Morgan Stanley Wealth Management offers a broad range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by structured discovery processes and firm-approved tools.

Jake Dahmer is a financial advisor with J.P. Morgan Securities in Tempe, Arizona. He holds Series 66 and Series 63 licenses and has two years of industry experience. Prior to joining J.P. Morgan Securities in 2026, he worked at Charles Schwab from 2024 to 2026. 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 process combines quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting.

Dustin Ziegler is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing seven years of industry experience. He has worked at Charles Schwab since 2018, including a role at Charles Schwab Bank, SSB, since 2021. Prior to joining Schwab, he was employed at Natural Grocers from 2014 to 2017. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to affiliated discretionary separate managed accounts, supported by a centralized operational structure.

Linda Netjes is a financial advisor with Wells Fargo Clearing in Scottsdale, AZ, holding Series 63 and Series 65 licenses and 27 years of industry experience. She has worked with Wells Fargo entities since 2004, including Wells Fargo Investments, LLC, and currently serves as co-trustee for her spouse’s trust. 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 a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and other sources.

Andrew Denys is a Series 66-credentialed advisor at Merrill with 12 years of industry experience. He has been with Merrill and Bank of America, N.A. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using a range of model-based and discretionary investment strategies.

Richard Smith is a financial advisor with Cetera in Scottsdale, AZ, holding Series 63 and Series 65 licenses and having 32 years of industry experience. His prior roles include positions at First Financial Equity Corporation and participation in the United States Marshals Posse. He also works as an insurance agent selling life, annuities, and long-term care products. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, overseeing more than $256 billion in assets through over 10,000 advisors.

Nathan Bardin is a financial advisor with Edelman Financial Engines in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. He has worked with Financial Engines Advisors L.L.C. and Financial Engines Advisor, LLC for the past decade. Edelman Financial Engines offers technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines committee-driven proprietary models with planner delivery and online tools, managing diversified portfolios with a long-term focus and serving approximately 477,000 clients.

Meghavi Rosean is a financial advisor with J.P. Morgan Securities in Tempe, AZ, holding Series 63 and Series 66 licenses and 15 years of industry experience. Her career includes roles at J.P. Morgan Securities, JPMorgan Chase Bank, Citizens Securities, and Santander Securities. 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. The firm’s advisory approach combines quantitative and qualitative research to develop model asset allocations and incorporates a range of investment strategies including ESG considerations.

Michael Jones is a financial advisor at Charles Schwab with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at various Charles Schwab entities since 2012, including the Schwab Premiere Bank, Trust Bank, and Charles Schwab bank in Phoenix, AZ. 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, using multi-asset model portfolios and a centralized operational structure.

Mohammad Alnajdawi is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. Before joining Merrill, he held positions at Hilton Hotels, Arizona State University, Uber, and Best Buy. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies supported by internal and third-party managers.

Sean Degenhart is a financial advisor at Wells Fargo Clearing with a Series 66 designation and five years of industry experience. He has been with Wells Fargo Clearing since 2020 and has worked at Wells Fargo Bank, N.A. since 2012. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven, based on modern portfolio theory, and includes a broader set of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Michael Lopez is a financial advisor at J.P. Morgan Securities in Tempe, Arizona, holding Series 63 and Series 66 licenses with six years of industry experience. He has worked at J.P. Morgan Securities since 2020 and previously held roles at TD Ameritrade, Grant Thornton, and Texas A&M University. Outside of his advisory work, he has an administrative role in a children’s book business owned by his wife. 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. Their advisory process incorporates quantitative and qualitative research, offers ESG considerations, and includes broader derivatives and commodities capabilities.

David Oster is a financial advisor at Edward Jones in Tempe, AZ, holding Series 63 and Series 65 credentials with 17 years of industry experience. Prior to joining Edward Jones in 2018, he worked at JP Morgan Securities and Wells Fargo Advisors. Outside of his advisory role, Oster is an active musician performing under his own entertainment business, Bishop Industries, and is involved with the Knights of Columbus, a Catholic fraternal service organization. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Ethan Crupe is a financial advisor at Morgan Stanley with one year of industry experience. He has worked previously at The Vanguard Group, Inc. for four years and has experience in lending and entrepreneurial activities. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning supported by structured processes and firm-approved tools.

Julie Lalwani is a CFP® with 15 years of experience in the financial services industry. She is currently with Ameriprise and has previously worked at Edward Jones, Bank of America, and Merrill. Lalwani is based in Phoenix, AZ. Ameriprise provides retirement-income planning services for individuals approaching or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Alexandra Teague is a Series 66 credentialed financial advisor with 13 years of industry experience. She has worked at J.P. Morgan Securities since 2026 and previously spent 14 years with Edward Jones. Alexandra is based in Tempe, AZ. 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 within a non-discretionary advisory program.

Robert Daugherty is a financial advisor at Cetera with five years of industry experience and holds a Series 66 designation. He has worked at Renaissance Financial Corp and various insurance firms since 2021, and has also been affiliated with Cetera since 2023. Outside of advisory roles, he has experience as an insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is a nationwide SEC-registered advisor serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio solutions, incorporating third-party managers and bespoke strategies across various program structures.

Zachary Smolens is a financial advisor with Merrill holding a Series 66 designation and has been in the industry since 2024. His prior experience includes roles at JPMorgan Chase and Bank of America, N.A. Outside of financial services, he has worked in various sectors including food delivery and retail. 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, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Heather Coleman is a financial advisor at Edward Jones in Tempe, AZ, holding Series 63 and Series 66 licenses with five years of industry experience. She previously worked at TIAA and Charles Schwab & Co., Inc. Coleman is involved with Big Brothers Big Sisters of Central Arizona as a mentor, providing guidance and community engagement to youth. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a wide range of advisory programs and investment solutions supported by a large national network of advisors and branch offices.