Michael De Luz is a financial advisor at Williams & Novak Wealth Management, LLC with 29 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Vistia Capital, LLC and Thornton and Associates. Outside of advisory roles, he manages a tax advisory and bookkeeping business through RMD Consulting LLC. Williams & Novak Wealth Management is a team-based registered investment adviser managing approximately $343 million for individuals, corporations, pension plans, and charitable organizations. The firm employs a combination of proprietary model portfolios, sub-advisor solutions, and direct-indexing strategies to provide customized portfolio management and financial 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, AZ, holding a Series 66 designation and 10 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. The firm offers a range of investment strategies and affiliated products, operates under a fiduciary standard, and is notable for its extensive network of advisors and branch offices.

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.

Marcellus Massari is a financial advisor at Raymond James & Associates with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Raymond James & Associates since 2008, as well as at Citigroup Global Markets from 1997 to 2008. Massari serves as Treasurer and board member for MVAA, a role he has held since 2018. Raymond James & Associates is a large dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and advisory services supported by comprehensive research and a range of portfolio management styles.

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.

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.