Terry Heimes is a Certified Financial Planner® with 31 years of experience, currently affiliated with Commonwealth Financial Network and co-owner of CalmWater Financial Group. He has been with both Commonwealth and CalmWater Financial Group since 2011. He also owns On Time, LLC, a private entity unrelated to investments. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors and manages around $212.7 billion in client assets. The firm offers a range of managed account programs, access to third-party asset managers, and comprehensive back-office services.

Anthony Remund is a CFP® with 11 years of industry experience, currently serving as a financial advisor at Kestra Advisory. His prior experience includes roles at Remund Financial, Commonwealth Financial Network, and Edward Jones. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients, offering services such as fiduciary consulting, plan design, and employee education. The firm manages approximately $79.8 billion in assets and serves large institutional investors, including sovereign wealth funds.

Travis Mcgann is a CFP® professional at Independent Financial Partners with 20 years of industry experience. He has worked at several firms including LPL Financial and Wells Fargo Advisors. Outside of his advisory role, he is involved in overseeing operations and serving as a primary advisor at Cogent Wealth Management, LLC, and works as a life insurance agent. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm supports a multi-advisor platform serving a diverse client base and offers both decentralized investment strategies and centralized asset management options.

Timothy Trimmell is a Series 66-licensed financial advisor with First Command Advisory Services, where he has worked since 2021. He has five years of experience in the financial industry and previously served in the U.S. Air Force for 33 years. He is also the owner of Tim Trimmell Wealth Management LLC, which he plans to operate beginning in 2025. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs, with investment management conducted through a centralized team that selects model portfolios and third-party managers from approved lists.

Gary Rogers is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has worked at Rogers Wealth Management since 2020 and previously held roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory work, he is a co-owner of Arizona Alternative Materials, LLC, an environmental materials company based in Peoria, AZ. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and support services, including wealth management and retirement plan consulting, while offering advisors discretion in constructing client portfolios from diverse securities and insurance products.

Chico Huang is a Series 66-licensed financial advisor at Transamerica Financial Advisors with one year of industry experience. Prior to joining Transamerica, he worked at GPFIS, Prudential Advisors, New York Life, and Megaplus Consulting. Transamerica Financial Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm provides advisory and broker-dealer services through proprietary and third-party model portfolios, offering both discretionary and non-discretionary program options.

Orion Willis is a financial advisor with Centaurus Financial, Inc. in Sun City West, Arizona, holding the ChFC® designation and Series 63 and 65 licenses. He has 26 years of industry experience and has been with Centaurus Financial since 2013. Outside of advising, he is involved in inventing electronic devices and manages a farming operation focused on organic animal and produce sales. He also serves as a board member for two non-investment related entities. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, businesses, and institutions. The firm offers a range of services such as financial planning, portfolio management through the CLASSIC Plus platform, and retirement-plan consulting, utilizing both discretionary and non-discretionary investment approaches.

Max Bjurlin is a financial advisor at AE Wealth Management, LLC with one year of industry experience. He holds the Series 66 designation and has prior experience with Equitable Advisors, LLC and Oxford Retirement & Estate Planning. Before entering the financial industry, he worked at Aspen Valley Golf Course and other roles outside finance. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base, including individuals, corporations, trusts, and ERISA plan sponsors. The firm employs a range of investment strategies through discretionary model portfolios and supports third-party RIAs with sub-advisory and model-licensing services.

Gary Johanson is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 credentials and possessing 30 years of industry experience. He has worked with Penn Mutual Life Insurance Company and Hornor Townsend & Kent since 2012. Johanson is also involved in insurance sales and service for multiple carriers, including Penn Mutual Life Insurance Company. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory services that utilize third-party asset manager platforms, financial planning, and consulting. The firm emphasizes client-directed implementation and oversight, managing the majority of client assets on a non-discretionary basis.

Zachary Armenta is a CFA® charterholder and holds a Series 66 license, with 10 years of industry experience. He is currently with Wealth Enhancement Advisory Services, LLC and has prior experience at State Street Global Advisors, John Hancock Advisers, Northern Trust, and Ameriprise Financial Services. Wealth Enhancement Advisory Services is a large enterprise managing over $122 billion in assets, providing financial planning, asset management, and retirement-plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm utilizes diversified, risk-class based allocations combining passive and active managers, supported by an internal Investment Committee, and offers various implementation tools and services.

Landon Randall is a financial advisor at AE Wealth Management, LLC with 12 years of industry experience and holds a Series 65 credential. His work history includes roles at multiple firms, notably hybrid wealth management enterprises and educational marketing through Dare To Retire U, where he teaches classes. Randall's involvement in educational initiatives distinguishes his professional background. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base including individuals, corporations, trusts, and ERISA plan sponsors. The firm utilizes discretionary model portfolios and supports third-party RIAs with a platform-focused approach, managing nearly $50 billion across more than 127,000 clients.

Steve Smith is a financial advisor at Centaurus Financial, Inc. in Peoria, AZ, with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Centaurus Financial since 2003. In addition to his advisory role, he is involved in an estate planning team focused on providing investment vehicles for trustees participating in deferred sales trusts. Centaurus Financial provides advisory and brokerage services to a diverse client base, including individuals, families, businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management, retirement-plan consulting, and specialized services through a combination of discretionary and non-discretionary arrangements.

Michael Maehl is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and bringing 52 years of industry experience. His career includes roles at Opus 111 Group and Securities America Advisors, Inc., among others. He is also involved in fixed insurance sales, dedicating a portion of his professional time to this activity. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs and support services including wealth management, retirement plan consulting, and access to third-party asset managers. The firm offers advisors discretion in portfolio construction and manages model portfolios through its Investment Management and Research team.

Roger Wood is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 credentials and over 50 years of industry experience. He has been with Commonwealth and its affiliated entity, C.W.F. Financial, for 15 years. Wood is also a co-owner of rental properties outside his advisory business. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of nearly 2,900 advisors. The firm offers a range of managed account programs and third-party asset management solutions to individual and institutional clients.

Jennifer Jenson is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 licenses and having 23 years of industry experience. She has been with Transamerica Investors Securities Corporation and Transamerica Retirement Solutions since 2016. Outside of her advisory work, she is an independent sales consultant for Norwex, a company focused on reducing chemicals in the home environment. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs that emphasize asset allocation, contribution guidance, and retirement planning. The firm utilizes Morningstar Investment Management’s proprietary software and model portfolios for personalized advice and operates a large-scale advisory platform with over 300 advisors.

Renee Millick is a financial advisor with Eagle Strategies (NY Life) in Surprise, AZ, holding Series 65 and Series 63 licenses and bringing 11 years of industry experience. Her prior experience includes roles at JP Morgan Securities LLC and JP Morgan Chase Bank. Eagle Strategies serves a broad mix of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated investment adviser representatives. The firm emphasizes tailored recommendations across multiple program types and manages the majority of its regulatory assets on a non-discretionary basis.

Christopher Roming is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and two years of industry experience. His prior roles include positions at Principal Life Insurance Company, Brookstone Capital Management LLC, and Amerilife of Arizona. He served five years in the United States Marine Corps and has worked in educational institutions including Arizona State University and Las Positas College. Roming is also a health insurance agent. Independent Financial Group is a large, integrated advisory and brokerage firm serving individuals, trusts, corporations, business owners, and plan sponsors. The firm offers investment advisory programs, financial planning, and retirement plan services, utilizing a range of in-house and third-party model portfolios and investment platforms.

Timothy Hazelton is a CFP® professional with 17 years of industry experience, currently serving as a financial advisor at Principal Financial Services. He previously worked at The Vanguard Group, Inc. for 16 years and owns a retail business selling products on Amazon and eBay. Hazelton also serves as a designated bank officer supporting Principal retirement plan accounts. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individuals, retirement plans, trusts, and business entities. The firm offers financial planning, retirement plan consulting, and access to third-party money manager solutions, with investment implementation typically carried out on a discretionary basis by those managers.

Justin Tanquist is a financial advisor at Independent Financial Group, LLC with one year of industry experience. He holds a Series 66 designation and previously worked in the hospitality and retail sectors. Independent Financial Group is a large, integrated advisory and brokerage firm serving individuals, trusts, corporations, business owners, and plan sponsors. The firm offers a range of investment advisory programs and financial planning services using both in-house and third-party models, delivering advice through platforms such as AccessPoint, Schwab, and Pershing.

Shane Foster is a CFP® professional with nine years of industry experience, currently affiliated with AE Wealth Management, LLC. His prior roles include positions at Schwab Wealth Advisory Inc. and Merrill. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base including individuals, corporations, trusts, and ERISA plan sponsors. The firm utilizes discretionary model portfolios and combines fundamental, technical, and cyclical analysis methods in its investment approach.