FINANCIAL CLARITY, EDUCATION, AND PEACE OF MIND FOR WOMEN From one woman to another, I understand the unique challenges you face in having an empowered relationship with your money. I am here to help you navigate your finances, no matter what your stage of life. I CAN’T WAIT TO MEET YOU! Please schedule a complimentary, no-obligation first appointment. This gives us the chance to chat, get to know one another, and determine if my services are going to be a good fit for you You can reach me directly with an email to [email protected], give me a call at (760) 472-5155, or tap that big blue button to the left that reads "Contact Marianne Nolte". Best regards, Marianne M Nolte, CFP® Imagine Financial Services www.imaginefinancialservices.com Read Marianne's blog posts here: https://www.imaginefinancialservices.com/blog

Michael De Luz is a financial advisor with Williams & Novak Wealth Management, LLC, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. His prior roles include positions at Vistia Capital, LLC, Thornton and Associates, Kovack Advisors, Inc., and Lazari Capital Management. He is also involved in managing non-investment businesses related to tax advisory and compliance consulting through RMD Consulting LLC. Williams & Novak Wealth Management serves individual and high-net-worth clients, as well as trusts, estates, retirement plans, and businesses, providing discretionary and non-discretionary portfolio management, financial planning, and consulting services. The firm employs a long-term investment process integrating fundamental and technical analysis and offers services including direct indexing, tax-loss harvesting, and educational workshops.

Walter Ruddiman is a financial advisor with American Independent Securities Group, LLC, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with American Independent Securities Group since 2005 and has operated the Ruddiman Insurance Agency, Inc. since 1980, specializing in life and health insurance sales and service. American Independent Securities Group, LLC provides investment advisory and financial planning services to individuals, pension plans, charitable organizations, and businesses, offering portfolio management through both discretionary and non-discretionary arrangements alongside access to third-party managers and estate-planning services.

Jaimi Dennehy is a financial advisor at Mercer Global Advisors Inc. with 15 years of industry experience. She holds Series 63 and Series 66 designations and has worked at firms including J.P. Morgan Securities Inc. and Cresset Asset Management, LLC. Dennehy serves as a board member of the Western Arizona Humane Society. Mercer Global Advisors provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth families, small business owners, and nonprofit organizations. The firm’s investment approach emphasizes globally diversified, risk-appropriate portfolios using low-cost index vehicles and multi-factor strategies, along with comprehensive financial and retirement planning services.

George Martell is a financial advisor at Centaurus Financial, Inc. with 31 years of industry experience. He holds the Series 63 and Series 65 designations. Prior to joining Centaurus Financial in 2023, he worked for Crown Capital Securities, LP for 16 years. Martell also serves as an agent for medical, dental, and employee ancillary insurance group plans, focusing primarily on 401(k) clients. Centaurus Financial, Inc. provides advisory and brokerage services to individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management, retirement-plan consulting, and specialized advisory services, utilizing both discretionary and non-discretionary arrangements with varied analytical approaches.

Brian Springberg is a CFP® professional with 31 years of industry experience. He is currently with OSAIC and has worked previously at SagePoint Financial and his own firm, Springberg, Mcandrew Financial Services. He serves as a board member at LifePoint Hospital, advising management on community health care needs. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers. The firm utilizes asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios managed on either a discretionary or non-discretionary basis.

Brandon Warner is a financial advisor with Edward Jones in Lake Havasu City, Arizona, holding a Series 66 designation and nine 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, including both non-high-net-worth and high-net-worth households. The firm offers a range of investment strategies and advisory services, operates under a fiduciary standard, and has approximately $1.01 trillion in assets under management.

Scott Hartman is a financial advisor with Edward Jones in Lake Havasu City, AZ, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones in 2023, he served for 25 years with the Lake Havasu City Fire Department. Outside of financial advising, he owns a home-based firearms sales business, Blue Water Firearms. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment advisory programs and affiliated financial services, supported by a nationwide network of over 23,000 advisors.

Traci Vaught is a financial advisor with Edward Jones, holding a Series 66 designation and eight years of industry experience. She has been with Edward Jones since 2018, following prior roles at TMX Finance. 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 solutions, supported by a large network of financial advisors and branch offices across the United States.

Billie Van Lith is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. Their career includes over two decades at Cetera Advisor Networks and roles at various firms before joining J.P. Morgan in 2019. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Laura Prahl is a CFP® professional with 17 years of industry experience, currently serving as a financial advisor at Edward Jones since 2006. She holds Series 63 and Series 66 licenses. 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 through a large network of financial advisors and branch offices.

Robert Dobos Bubno is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured planning process that utilizes firm-approved tools and modeling techniques.

David Combs is a Series 66-licensed financial advisor with Edward Jones in Lake Havasu City, Arizona, where he has worked since 2018. He has seven years of industry experience, including nine years at Frontier Financial Credit Union and a year spent on extended travel. 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 investment strategies and services, including discretionary and non-discretionary wrap fee programs, separately managed accounts, affiliated mutual funds, and tax-efficient solutions, supported by a large national network of financial advisors and branch offices.

Ryan French is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 licenses and bringing six years of industry experience. He has been with J.P. Morgan Securities since 2020 and has worked at JPMorgan Chase Bank in Arizona since 2011. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering customized asset-allocation advice, investment manager searches, and performance reporting. The firm uses a quantitative asset-allocation process combined with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Sean Goldney is a financial advisor with LPL Financial in Lake Havasu City, AZ, holding a Series 66 designation and 16 years of industry experience. Prior to joining LPL Financial in 2018, he worked at Cetera Advisor Networks LLC from 2013 to 2018. Outside of his advisory role, he is involved in managing his own business entities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Robert Stephenson is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. His prior roles include positions at Principal Financial Group, Farm Bureau Financial Services, and LPL Financial. 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 recommendations.

Karen Savage is a financial advisor with LPL Financial, holding CFP® and Series 66 credentials and bringing 27 years of industry experience. She previously worked for ten years at Raymond James Financial Services Advisors before joining LPL Financial in 2019. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research to support diversified investment strategies.

Brandi Litzkow is a financial advisor at Primerica Advisors with Series 63 and Series 65 licenses and five years of industry experience. She has worked at Primerica since 2019 and previously spent over two decades in education with the Snowline Joint Unified School District and Hesperia Unified School District. In addition to her advisory role, she participates in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which provides model-delivery strategies and separately managed account options to individual and high-net-worth clients under a wrap-fee structure. The firm curates third-party asset managers and uses an independent due-diligence consultant to oversee portfolio management.

Teri Derosa is a financial advisor with Ameriprise in Lake Havasu City, AZ, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. Her prior roles include positions at Ameriprise Financial Services Inc., Rodan & Fields, Western Welcome, Waddell & Reed, Inc., and AIIZ Cooling and Heating. Ameriprise provides retirement-income planning services primarily for clients with substantial investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Samuel Springberg is a CFP® with six years of industry experience, currently serving as a financial advisor at Osaic and Springberg Wealth Management. His prior experience includes roles at AssetMark Financial Holdings, Equitable Advisors, and AXA Advisors. Osaic Wealth, Inc. serves a diverse client base ranging from individual investors to institutional entities, providing integrated brokerage, advisory, and financial planning services. The firm employs a variety of asset-allocation tools and third-party platforms to construct and manage portfolios tailored to client risk tolerance and investment preferences.

Timothy Eckerdt is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 18 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2022, and previously spent a decade with Bank of America and Merrill. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Lucia Fondano is a financial advisor at J.P. Morgan Securities with 33 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012, having also worked with Jpmorgan Chase Bank, N.A. and Valley National Bank of Arizona since 1983. 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 integrates advisory services with brokerage, distribution, and investment management capabilities.

Heath Haynes is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. He has been with LPL Financial since 2010. Outside of his advisory work, he is involved in fixed insurance sales, including annuities and life insurance products, through a related business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Jacob Shulam is a financial advisor with LPL Financial, holding the ChFC® and Series 63 designations and bringing 43 years of industry experience. He previously worked at VOYA Financial Advisors for six years before joining LPL Financial in 2018. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services with both discretionary and non-discretionary management options supported by research and multiple investment strategies.

Joshua Halu is a financial advisor at Edward Jones in Lake Havasu City, AZ, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he worked in technology and psychedelic exchange sectors. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies and maintaining a large national network of financial advisors and branch offices.