Kendall Palmer is a CFP®-designated financial advisor with Vanguard Advisers in Scottsdale, AZ, bringing 10 years of industry experience. He has been with The Vanguard Group, Inc. since 2015. Vanguard Advisers provides automated and human-supported investment advice through its Digital Advisor and Personal Advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios constructed largely from Vanguard funds and ETFs, offering customization options including ESG preferences.

Joseph Costello is a financial advisor at Vanguard Advisers with 19 years of industry experience. He holds Series 63 and Series 66 designations and has been with Vanguard since 2006 in various roles, including his current position starting in 2020. Outside of his advisory work, he serves as a fiduciary agent and manages a 529 plan custodian role. Vanguard Advisers offers automated and human-supported investment advice through digital and personal advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach, employing proprietary methodologies to construct tax-aware portfolios largely composed of Vanguard funds and ETFs.

Merica Chmait is a financial advisor with UBS Financial Services who holds a Series 66 designation and has 24 years of industry experience. She has worked at UBS since 2021 and previously spent 12 years at Morgan Stanley Smith Barney. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides proprietary research and a broad range of capital markets solutions.

Linda Handley is a financial advisor with Wells Fargo Clearing in Scottsdale, AZ, holding a Series 63 designation and 35 years of industry experience. She has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Michael Self is a CFP®-certified financial advisor with 34 years of industry experience. He has worked at Cetera since 2020 and previously spent 15 years with First Financial Equity Corp. In addition to his advisory work, he serves as a trustee managing client trusts and acts as a power of attorney for a family friend. He is affiliated with Cetera Investment Advisers LLC, an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a variety of investment management and retirement services, including access to multiple program structures and third-party managers.

Walker Boyd is a financial advisor with UBS Financial Services in Scottsdale, AZ, holding a Series 66 credential and four years of industry experience. Before joining UBS in 2023, he worked at The Vanguard Group for one year. Outside of advisory roles, he has also worked in delivery services for companies like DoorDash and Amazon. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services to deliver tailored financial planning and portfolio management.

Patricia Smith is a financial advisor at UBS Financial Services with 45 years of industry experience. She holds Series 63 and Series 65 licenses and has been with UBS for 20 years. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations in delivering its advisory work.

Brian Mc Ginty is a CFP® professional with 35 years of experience in the financial services industry. He currently works at Charles Schwab and has previously held positions at TD Ameritrade, Carillon Fund Distributors, and Oppenheimerfunds. 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 affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, using multi-asset model portfolios and a centralized operational structure.

John Rivera is a CFP® certificant with four years of industry experience, currently advising at Ameriprise in Scottsdale, AZ. He previously worked at The Vanguard Group for three years. Prior to his advisory career, he held roles at UCLA Extension, Golden 1 Center, and the Orange County Registrar of Voters. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing advice focused on retirement income, utilizing proprietary research, third-party data, and algorithmic tools.

Ryan Richter is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has been with The Vanguard Group since 2011. Outside of his advisory role, he owns and operates two businesses: an e-commerce company that sells kits to assist parents of special needs children, and a real estate firm focused on residential property transactions. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to construct portfolios primarily from Vanguard funds and ETFs, offering a range of customization options and managing a large client base through its digital platform and extensive advisor team.

Ryan Taccolini is a financial advisor with OSAIC in Scottsdale, AZ, holding a Series 66 designation and 12 years of industry experience. He has worked at Securities America Inc. since 2013 and is involved with Paragon Sanitation Inc. in a non-investment capacity. Taccolini also serves in a compliance role within Securities America Advisors. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers a range of brokerage and advisory services supported by proprietary asset-allocation tools and third-party solutions, managing portfolios that include various investment types on both discretionary and non-discretionary bases.

Kenneth Escoto is a financial advisor at Merrill with 10 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2015, also working at Bank of America, N.A. during the same period. Outside of his advisory role, he serves as a consultant and independent contractor for the National Hot Rod Association, assisting with ushering and crowd management at events. 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. The firm offers both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors, supporting a range of account types with trading, administration, and custody services.

Nicholas Wallace is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and seven years of industry experience. His prior work includes roles at the AZ Department of Public Safety and healthcare facilities before joining Charles Schwab in 2018. Outside of financial advising, he operates small woodworking and custom design businesses. Charles Schwab & Co., Inc. serves a broad client base primarily consisting 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 and discretionary investment management supported by an integrated operational structure.

David Dorward is the Senior Resident Director of the Phoenix office and a Managing Director at Merrill Lynch Wealth Management. He began his career in the financial services industry in 1995 and joined Merrill Lynch Wealth Management in 1997. His professional focus is on serving ultra-high net worth clients, including corporate executives, professional athletes, physicians, retirees, and business owners. As a Portfolio Manager, he manages personalized or defined discretionary investment strategies that may include individual stocks and bonds, Merrill Lynch Wealth Management model portfolios, and third-party strategies. He holds professional designations such as Chartered Retirement Planning Counselor™ (CRPC™) and Certified Plan Fiduciary Advisor® (CPFA®) and is recognized as a Forbes Best in State Wealth Advisor from 2019 to 2026. He holds multiple FINRA registrations including Series 7, 63, 65, 52, 31, 9, and 10 Securities Principal. David earned his Bachelor's degree from Northern Arizona University and is an Arizona native. He is a graduate and alumnus of Scottsdale Leadership Organization (Class XXI). His community involvement includes serving on the Board of Directors for the Fiesta Bowl organization. He has also dedicated time to several local charities and served as a Reserve Volunteer for the Paradise Valley Police Department.

Christopher Molina is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 designations and 14 years of industry experience. His prior work includes roles at USAA Investment Management Co., USAA Financial Advisors, APEX Systems, Fisher Investments, and Scottrade. Charles Schwab 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 affiliated discretionary separately managed accounts, utilizing multi-asset model portfolios, written advice policies, and alternative investment due diligence.

Samuel Meza is a financial advisor with Vanguard Advisers based in Scottsdale, AZ. He holds a Series 66 designation and has 11 years of industry experience. His prior experience includes roles at Morgan Stanley, BMO Bank, Bancwest Investment Services, Bank of America, and Merrill. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, serving retail investors and retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and primarily Vanguard funds and ETFs, and it manages a large client base with a high client-to-advisor ratio through its scalable digital platform and team servicing model.

Sophia Nipp is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds a Series 66 designation and has worked at several firms including Morgan Stanley and Barton & Associates Inc. J.P. Morgan Securities 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 network of Wealth Advisors. The firm delivers its program on a non-discretionary basis, combining large institutional advisory operations with additional market-facing registrations and functions.

Virginia Rueth is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. She has been with Charles Schwab since 2006. 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by a large-scale integrated structure and a formal alternative investment process.

Matthew Puttroff is a financial advisor at Vanguard Advisers with 19 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at TIAA and Fidelity. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach that incorporates proprietary models and a wide range of customization options.

Teresa Di Gregorio is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and six years of industry experience. Her career includes roles at The Vanguard Group, HUB International, and Cresset Asset Management. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to portfolio construction, primarily utilizing Vanguard funds and ETFs, and serves hundreds of thousands of clients through a digital delivery platform supported by a large team of advisors.