more to Life than money

Manny Loyden is an Employee Benefits Consultant with Amalyn Consulting / The Partners Group, where he helps Arizona organizations build thoughtful employee benefits strategies. Born in Cartagena, Colombia, and raised in Arizona, Manny credits his Colombian-American upbringing with shaping his work ethic, values, and approach to building meaningful relationships. He is also the founder of HR Fuse, an Arizona-wide community created to give HR leaders a place for genuine connection, conversation, and peer support. Beyond his professional work, Manny serves as Board Vice President of the Homeless ID Project and has been involved with nonprofit and industry organizations since his early twenties. At the heart of Manny's work is a commitment to people, curiosity, discipline, and building a life where career, family, relationships, and community all work together with purpose.

In this special episode of the more to Life than money® Podcast, JW reflects on the 25th anniversary of September 11, 2001 - remembering the lives impacted, the unity that followed, and the choices we each have to bring people together. As we honor the past, JW invites us to consider what true wealth and abundance look like and how we can contribute to stronger, more united communities moving forward.

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more to Life than money - Real people, real stories, and real conversations about wealth and abundance with your host, JW Rayhons, Financial Advisor - [email protected]. Guests are not affiliated with or registered with Cetera Wealth Services, LLC. Any information provided by guests is in no way related to Cetera Wealth Services, LLC or its registered representatives. Unless otherwise noted as a representative of Cetera Wealth Services, LLC. The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete.

Securities offered through Cetera Wealth Services, LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA/SIPC. Cetera is under separate ownership from any other named entity. CA Insurance License #0M15552.

313 N Gilbert Rd, Ste 200, Gilbert, AZ 85234

Mo Brings Plenty, an enrolled member of the Cheyenne River Sioux Tribe of South Dakota, is an actor best known for his roles on the hit series "Yellowstone" and "Marshals," and valued American Indian consultant. Mo prides himself in wholeheartedly believing the good in humanity still exists and seeing the world through the lens of the sacrifices his family and ancestors made so that he could be here today. Joining the Ridge Riders in a cultural leadership role, Mo will bring his unique perspective for the diverse history of the western landscape to every aspect of the team.

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more to Life than money - Real people, real stories, and real conversations about wealth and abundance with your host, JW Rayhons, Financial Advisor - [email protected]. Guests are not affiliated with or registered with Cetera Wealth Services, LLC. Any information provided by guests is in no way related to Cetera Wealth Services, LLC or its registered representatives. Unless otherwise noted as a representative of Cetera Wealth Services, LLC. The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete.

Securities offered through Cetera Wealth Services, LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA/SIPC. Cetera is under separate ownership from any other named entity. CA Insurance License #0M15552.

313 N Gilbert Rd, Ste 200, Gilbert, AZ 85234

Lalitha Immaneni is a Vice President of Semiconductor Research & Development in the Assembly Test Technology Development organization for Intel Corporation. Lalitha manages a world class and diverse team of packaging architects, designers, and specialized engineers in the "Advanced Design & Customer Enabling" group, spanning multiple geographies (USA, Malaysia, and India). She leads the Back end technical interface to Intel's foundry customers. Lalitha is responsible for developing substrate/silicon, assembly, and board design rules, designing essential building blocks for emerging packaging technologies, developing electrical and physical design methodologies for packaging as well as delivering product package architectures, supporting product electrical analysis, and executing product designs for Intel Foundry. She is also responsible for the thermal, mechanical, and electrical analysis of Intel's packaging choices and the implications across the product envelopes while also delivering industry leading power delivery and HSIO solutions. Lalitha owns the vision and execution of a centralized package and board flows/tools as well as enabling the EDA ecosystem readiness for Intel's packaging and board design needs. Lalitha is a global leader and role model with a 30-year track record of stellar technical achievement in the semiconductor packaging industry. Her technical accomplishments include leading Intel through multiple transitions in the package design tools towards better efficiency and quality. Widely recognized within the packaging EDA partner community, Lalitha is known for driving design tool capabilities for die disaggregation. She has led many "firsts," including enabling the definition of the first industry EDA packaging tool and leading package co-design for the first Foveros and EMIB products. She recently led the Package Assembly Design Kit delivery for Intel foundry Services and is currently focused on EDA ecosystem enablement, interoperable formats, and standards for chiplets. Lalitha volunteers extensively as a coach and mentor for Positive Paths, a non-profit organization serving women in Phoenix. She is a co-chair for the Intel Network of Executive Women (iNEW). She is a renowned mentor and coach to countless engineers within and outside Intel

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more to Life than money - Real people, real stories, and real conversations about wealth and abundance with your host, JW Rayhons, Financial Advisor - [email protected]. Guests are not affiliated with or registered with Cetera Wealth Services, LLC. Any information provided by guests is in no way related to Cetera Wealth Services, LLC or its registered representatives. Unless otherwise noted as a representative of Cetera Wealth Services, LLC. The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete.

Securities offered through Cetera Wealth Services, LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA/SIPC. Cetera is under separate ownership from any other named entity. CA Insurance License #0M15552.

313 N Gilbert Rd, Ste 200, Gilbert, AZ 85234

Rob Duggan is a 27-year veteran of the Gilbert Fire and Rescue Department (GFRD) with approximately 32 total years of public safety experience. He has served as the Gilbert Fire & Rescue Department Fire Chief for the past four years. His work experience includes 3.5 years at the Casa Grande Fire Department and 2 years at the Rincon Valley Fire District. Prior to his lengthy fire department career, Rob worked for a private ambulance company in Tucson and taught EMT and Firefighter courses for local community colleges.

Rob and his wife, Sally, both hold a bachelor's degree in microbiology from their beloved University of Arizona. Rob also received his master's in public administration degree from Park University as part of the Town of Gilbert - Park University cohort one class. Rob achieved his Executive Fire Officer credential from the National Fire Academy in January, 2022. He and Sally have lived in Gilbert since 2002. Their daughter, Maddie, recently graduated from the Pratt Institute in Brooklyn. After graduating from Pratt, Maddie moved to England, where she will spend two years with her very serious boyfriend, Brandon.

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more to Life than money - Real people, real stories, and real conversations about wealth and abundance with your host, JW Rayhons, Financial Advisor - [email protected]. Guests are not affiliated with or registered with Cetera Wealth Services, LLC. Any information provided by guests is in no way related to Cetera Wealth Services, LLC or its registered representatives. Unless otherwise noted as a representative of Cetera Wealth Services, LLC. The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete.

Securities offered through Cetera Wealth Services, LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA/SIPC. Cetera is under separate ownership from any other named entity. CA Insurance License #0M15552.

313 N Gilbert Rd, Ste 200, Gilbert, AZ 85234

RUFUS GLASPER, Ph.D. Rufus Glasper is President and CEO of the League for Innovation in the Community College, an international nonprofit organization with a mission to cultivate innovation in the community college environment in a continuing effort to advance the community college field and make a positive difference for students and communities. Dr. Glasper, Chancellor Emeritus of the Maricopa Community Colleges, served as Chancellor from 2003 through February 2016, and held district leadership positions for three decades. Nationally, Dr. Glasper serves as an advisory board member for the Center for Community College Student Engagement, The University of Texas at Austin; Community College Research Center, Teachers College, Columbia University; The Belk Center for Community College Leadership and Research, North Carolina State University. Dr. Glasper serves on the board of directors for the Education Design Lab; and COMAP, the Consortium for Mathematics and Its Applications. He also served as trustee for the Higher Learning Commission and the American Council on Education. Dr. Glasper is an active community member, serving on the boards of the Arizona State University Center for the Study of Race and Democracy, and the Sandra Day O'Connor Institute for American Democracy. He is also an emeritus member of Greater Phoenix Leadership. Dr. Glasper earned a bachelor's degree in business administration from Luther College, as well as a master's and advanced degrees in school business administration from Northern Illinois University. He received his Doctor of Philosophy degree in higher education finance from the University of Arizona. Previously, licensed as a Certified Public Accountant in the State of Arizona.

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more to Life than money - Real people, real stories, and real conversations about wealth and abundance with your host, JW Rayhons, Financial Advisor - [email protected]. Guests are not affiliated with or registered with Cetera Wealth Services, LLC. Any information provided by guests is in no way related to Cetera Wealth Services, LLC or its registered representatives. Unless otherwise noted as a representative of Cetera Wealth Services, LLC. The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete.

Securities offered through Cetera Wealth Services, LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA/SIPC. Cetera is under separate ownership from any other named entity. CA Insurance License #0M15552.

313 N Gilbert Rd, Ste 200, Gilbert, AZ 85234

Emma Bay

Born and raised in Gilbert, Emma Bay holds dual bachelor's degrees in Communications and Family and Human Development. Driven by a deep interest in how people connect and thrive, Em brings heart to everything she does. As a Visibility and Engagement Strategist, she focuses on strengthening relationships and amplifying community impact.

Emily Perkins

My name is Emily, and I am passionate about helping individuals and families build financial confidence and long-term security. I am currently pursuing a Bachelor's degree in Financial Planning at Arizona State University, with the goal of becoming a Certified Financial Planner (CFP®). I'm excited to grow with the Rayhons Financial team, learn from experienced professionals, and build the skills needed to support clients in making informed financial decisions.

Alejandra Baduqui

Hello! My name is Alejandra Baduqui and I am a Marketing and Management student at Arizona State University. Outside of school, I enjoy spending time with friends and family and listening to music. I am passionate about digital marketing and marketing research, and I look forward to growing my skills alongside Rayhons Financial!

Nyah Hager

Nyah was raised in Phoenix, Arizona. After graduating high school, she moved to Oklahoma City to study youth ministries at Heartland Baptist Bible College. During a summer break, she joined Rayhons Financial as an intern and later transitioned into her current role as our Marketing and Administrative Assistant. Outside of work, Nyah enjoys discovering new coffee shops with her husband, diving into music and creativity, adventuring with family and friends, and growing her love for photography. She is passionate about growing in her role and is dedicated to supporting the Rayhons Financial team and the clients we serve.

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more to Life than money - Real people, real stories, and real conversations about wealth and abundance with your host, JW Rayhons, Financial Advisor - [email protected]. Guests are not affiliated with or registered with Cetera Wealth Services, LLC. Any information provided by guests is in no way related to Cetera Wealth Services, LLC or its registered representatives. Unless otherwise noted as a representative of Cetera Wealth Services, LLC. The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete.

Securities offered through Cetera Wealth Services, LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA/SIPC. Cetera is under separate ownership from any other named entity. CA Insurance License #0M15552.

313 N Gilbert Rd, Ste 200, Gilbert, AZ 85234

An experienced leader and nonprofit executive, Dr. Karen D. Johnson has spent her career advancing organizations dedicated to education and to young people. She has expertise in all areas of external relations, focusing on communications and marketing, fundraising and development, and C-level leadership. She has served as Board President for two outstanding Phoenix nonprofits, as well as Chair for several large fundraising campaigns and events. For 27 years, Dr. Johnson served as Vice President of University Relations at Midwestern University, with campuses located in Glendale, AZ, and Downers Grove, IL. A member of the President's Executive Management Team, she led the offices of admissions, marketing & communications, development & alumni relations, and media resources for the growing healthcare university, which serves nearly 8,000 students in 23 graduate degree programs. In 2021, she took on a new leadership role as President & CEO of New Pathways for Youth in Phoenix, AZ. Serving more than 600 teens, the organization is focused on transforming the lives of youth by providing the support, skills, and stability they need to flourish. The program includes 1:1 mentoring for the youth with a dedicated adult and a proven program for personal growth and goal setting. In her tenure, she has overseen the rebranding of the program as "Level Up," has created the Level Up Academy (a school-based program featuring the organization's unique personal development curriculum), has worked with the Board of Directors to adopt and implement an Equity, Diversity, and Inclusion Policy, has established a Mentor Advisory Council, and has raised more than $3M annually to grow the organization. Dr. Johnson is also a mentor to an 18-year-old youth in the program. Dr. Johnson holds academic degrees from the College of Wooster (B.A.), Northwestern University (M.A.), and Loyola University Chicago (Ph.D.). She has lived in Arizona since 2000 and shares her Glendale home with two dogs and two cats.

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more to Life than money - Real people, real stories, and real conversations about wealth and abundance with your host, JW Rayhons, Financial Advisor - [email protected]. Guests are not affiliated with or registered with Cetera Wealth Services, LLC. Any information provided by guests is in no way related to Cetera Wealth Services, LLC or its registered representatives. Unless otherwise noted as a representative of Cetera Wealth Services, LLC. The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete.

Securities offered through Cetera Wealth Services, LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA/SIPC. Cetera is under separate ownership from any other named entity. CA Insurance License #0M15552.

313 N Gilbert Rd, Ste 200, Gilbert, AZ 85234

Susan Connelly-Wright is the CEO of Chrysalis, a transformational leader, speaker, and advocate whose life is a testament to resilience, reinvention, and purpose. At just 20 years old, Susan made the courageous decision to leave an abusive relationship, taking her children with her to a shelter in search of safety and a second chance. With no roadmap and every obstacle in front of her, she began rebuilding from the ground up—starting with earning her GED, proving one thing: she would not quit on her future. Susan came to believe that education was a vehicle out of poverty—and she drove it with everything she had. She earned her associate degree, then a bachelor's degree in criminal justice, and pushed even further, obtaining her master's degree in management and leadership in her 40s. Each step forward was a declaration that her past would not define her. But her journey was not without devastating setbacks. In 2016, Susan lost everything and had to start over—again, with no idea where to begin. Determined to stand back up, she went door to door painting addresses on curbs just to survive. That season of humility and grit became another turning point. When she needed help, she turned to St. Joseph the Worker—an organization that helped her get back on her feet. Today, in a full-circle moment that speaks to the power of perseverance, Susan now serves on their Board of Directors. From that reset, Susan rebuilt not only her life, but her career. She went on to spend eight years in higher education, rising from admissions to Regional Student Services Manager, where she oversaw retention efforts across five campuses. She became known for strengthening culture, improving both employee and student experiences, and driving meaningful outcomes. Her ability to connect people and drive results led her into business-to-business sales development, and later into a Sales Manager role within HVAC distribution. There, she focused on realigning culture, improving sales performance, and upskilling teams to support organizational growth—bringing people together to execute on a shared vision. Her path has been shaped by both failure and triumph, and she no longer separates the two. What once tried to break her has become the catalyst for her passion and purpose. Throughout her journey, Susan has remained deeply committed to serving others—through recovery work, church leadership, board service, and volunteering. For years, she intentionally kept this passion separate from her professional career, ensuring her motives remained clear. In hindsight, that separation became one of her greatest strengths, equipping her with the leadership and experience she now uses to serve at a greater level. Today, those two worlds have powerfully converged. While leading in the distribution industry, Susan was approached in late 2025 to step into the role of CEO at Chrysalis—a moment where her professional expertise and personal mission aligned in a way she never imagined. Today, she leads Chrysalis with both executive strength and lived experience, committed to creating real, lasting impact for those facing domestic violence. Because she knows firsthand what it means to need help—and is determined to ensure others not only find it, but rise because of it.

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more to Life than money - Real people, real stories, and real conversations about wealth and abundance with your host, JW Rayhons, Financial Advisor - [email protected]. Guests are not affiliated with or registered with Cetera Wealth Services, LLC. Any information provided by guests is in no way related to Cetera Wealth Services, LLC or its registered representatives. Unless otherwise noted as a representative of Cetera Wealth Services, LLC. The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete.

Securities offered through Cetera Wealth Services, LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA/SIPC. Cetera is under separate ownership from any other named entity. CA Insurance License #0M15552.

313 N Gilbert Rd, Ste 200, Gilbert, AZ 85234

Carrie Masters was on her way to becoming a statistic.

Raised by parents who struggled with drug addiction, in an environment where abuse was rampant, Carrie lived a childhood filled with setbacks, heartbreak and challenges. At 14, her parents left her and her three siblings to live alone. Carrie started working as a teenager to ensure her survival and to help support her remaining family. At the young age of 20, she became a single mother to a beautiful daughter.

It would have been easy for her to follow in her parent's footsteps, to succumb to the pressures of drugs and poverty, to end up in prison or dead as many of her family members did.

But Carrie's path would be different and would lead her to a successful life filled with an exciting career and a loving family. There wasn't one moment when she had some sort of epiphany — she just kept moving forward, kept surviving. She eventually found a job as an administrative assistant with LGE Design Build. She kept climbing over the course of 19 years – to office manager, to director of HR, to Chief Operating Officer, to the head of a charitable foundation, to a partner in multiple business ventures.

Carrie Masters could have been a statistic. Instead, she became a leading force for one of the Valley's top commercial design build firms — and a proud mother as well. After almost 20 years at LGE, Carrie has taken a leap of faith and decided to depart LGE without any real plan other than focusing on what brings her joy, peace and fulfillment. Her combination of perseverance, empathy, life experience and professional experience differentiate her and make her an ideal woman to connect with in the Valley business and philanthropic community.

Carrie is now the CEO of St. Joseph the Worker, a nonprofit in Phoenix and Mesa that empowers unhoused and low-income individuals with pathways to stability through quality employment. Since becoming CEO in March 2023, Masters has led the organization to its most successful fiscal year, expanding client services and strengthening programs like Workforce Development and the 90-day Workforce Housing initiative. Her career began at LGE Design Build, where she rose from receptionist to chief operating officer and she helped start and lead The David R. Sellers Foundation, supporting local nonprofits. Outside of work, Masters is a mentor with New Pathways for Youth and a Homeless ID Project Board Member.

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more to Life than money - Real people, real stories, and real conversations about wealth and abundance with your host, JW Rayhons, Financial Advisor - [email protected]. Guests are not affiliated with or registered with Cetera Wealth Services, LLC. Any information provided by guests is in no way related to Cetera Wealth Services, LLC or its registered representatives. Unless otherwise noted as a representative of Cetera Wealth Services, LLC. The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete.

Securities offered through Cetera Wealth Services, LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA/SIPC. Cetera is under separate ownership from any other named entity. CA Insurance License #0M15552.

313 N Gilbert Rd, Ste 200, Gilbert, AZ 85234