Earl Fraley III is a CFP® with 19 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2020. His professional background includes roles at The Vanguard Group, Inc. and Vanguard Marketing Corporation dating back to 2007, as well as five years at Rio Salado College. Vanguard Advisers delivers both automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach utilizing proprietary models, and manages portfolios mainly composed of Vanguard funds and ETFs.

Timothy Whitney is a financial advisor with Mass Mutual Investors Services in Scottsdale, AZ, holding a Series 63 designation and 22 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and was previously with MetLife Resources from 2006 to 2017. Additionally, he operates as an independent insurance agent specializing in life, accident, health, disability, fixed annuities, and Medicare-related products. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, annual planning relationships that utilize firm-approved tools to develop customized recommendations.

Joseph Di Vito Jr. is a CFP® with 33 years of industry experience, currently affiliated with RBC Capital Markets in Phoenix, AZ. He has worked at RBC Capital Markets since 2009 and at City National Bank since 2019. His other activities include serving as treasurer for a homeowner’s association and holding multiple board roles related to fundraising and support for the Maricopa County Sheriff’s Office, as well as serving on the board of the Arizona Elk Society. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with tailored strategies, utilizing both in-house and third-party investment managers and features integrated capital-markets and lending capabilities.

Collin O'neil is a financial advisor with LPL Financial in Phoenix, AZ, holding Series 63 and Series 65 licenses and having four years of industry experience. He has been associated with LPL Financial since 2016. Outside of his advisory role, he works as an insurance agent for Neil Advisory, LLC, selling fixed annuities and various life and health insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms.

Matthew Greer is a financial advisor with Charles Schwab, holding a Series 66 designation and bringing 17 years of industry experience. Prior to joining Charles Schwab in 2011, he worked at Edward Jones for two years. Outside of advising, he is the owner of a custom woodworking business. Charles Schwab serves primarily high- and ultra-high-net-worth clients 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 and offers a distinctive operational model integrating custody, brokerage, and advisory services.

Michael Walker is a CFP® certified financial advisor with 43 years of industry experience. He has worked at LPL Financial since 2020 and previously spent 11 years with Wells Fargo Advisors Financial Network LLC. Walker is based in Scottsdale, AZ. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Nicholas Bishop is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in areas such as college education planning, portfolio management services, and retirement income. Nicholas focuses on developing personalized strategies that align with what matters most to his clients and their families. His approach involves understanding clients' priorities to help them pursue their financial goals effectively. Nicholas holds a Bachelor's Degree from Ohio University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He assists clients with a range of financial planning services, from general investing to retirement planning and preparing for unexpected events. Outside of his professional work, Nicholas has personal interests in baseball, football, golfing, and pickleball. He values building relationships with clients and helping them navigate financial decisions with clarity and confidence.

Kyle Anglin is a financial advisor with Charles Schwab in Peoria, Arizona, holding Series 63 and Series 66 credentials and 11 years of industry experience. His prior roles include positions at United Planners Financial Services and Giallo Consulting LLC. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized supervisory and custody arrangements.

Vincent Esparza III is a financial advisor with Cetera, holding the CFP® designation and Securities Series 63 and 65 licenses. He has 41 years of industry experience, including long tenures at American Portfolios Financial Services and Lafayette Life. Esparza is involved with a nonprofit organization that hosts fundraising events such as charity golf tournaments. Cetera Investment Advisers LLC serves a broad client base including individual investors, retirement plans, and institutional accounts. The firm offers a multi-manager platform allowing advisors to implement various portfolio management strategies across discretionary and non-discretionary programs.

Jessica Smith is a financial advisor with LPL Financial in Scottsdale, AZ, holding Series 63 and Series 66 credentials and five years of industry experience. Her prior roles include positions at Ameriprise, Raymond James Financial Services, and Edward Jones. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered through a large network of investment adviser representatives using various strategic and tactical investment approaches.

Caylie Taylor is a CFP® and ChFC® with four years of industry experience, currently affiliated with Charles Schwab in Scottsdale, AZ. Her work history includes various roles at Charles Schwab Bank and Charles Schwab & Co., Inc., along with prior positions at Urshan College and other organizations. 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 both non-discretionary and discretionary investment options, combining extensive client coverage with a centralized operational structure.

Alec Yamauchi is a financial advisor at Equitable Advisors with two years of industry experience and holds a Series 66 designation. His prior work experience includes roles at Hirayama Electric, Perfect Game Baseball, and DoorDash. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs, utilizing a combination of its own advisory representatives and third-party asset managers.

Eric Brudi is a financial advisor with Edward Jones in Peoria, AZ, holding the CFP® and ChFC® designations and industry licenses Series 63 and Series 66. He has 29 years of experience, all with Edward Jones since 1997. Outside of his advisory role, he is associated with several family businesses and timber-related ventures in Washington state. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, affiliated mutual funds, and tax-efficient services.

Rafael Blanco is a financial advisor at Charles Schwab with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab & Co., Inc. since 2000, including roles at Charles Schwab Bank and optionsXpress, Inc. 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 and discretionary SMA portfolios supported by multi-asset model strategies and a centralized operational platform.

Zachary Smith is a financial advisor at Cetera with five years of industry experience. He holds a Series 66 designation and has worked at firms including Renaissance Financial and Securian Financial Services. Smith is also associated with Renaissance Financial as registered staff and acts as an insurance agent for fixed insurance products. Cetera Investment Advisers LLC serves a wide range of clients including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers portfolio management, financial planning, and access to multiple program platforms, operating as a multi-manager platform with over 10,000 advisors and approximately $256 billion in assets under management.

Charles Belton is a Series 66 licensed advisor with J.P. Morgan Securities in Glendale, AZ, with nine years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2017 and had prior experience at Edward Jones. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The advisory process utilizes centralized due diligence combining quantitative and qualitative research and may incorporate ESG criteria.

Jeremy Horton is a financial advisor at Morgan Stanley with 17 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that uses structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Christine Zubrod is a financial advisor with Merrill in Scottsdale, Arizona, holding Series 63 and Series 65 credentials and 15 years of industry experience. She has worked with Merrill Lynch, Pierce, Fenner & Smith since 2013. Outside of her advisory role, she was previously the owner of a commercial cleaning company that has been inactive for approximately ten years. Merrill, together 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with a range of model-based and discretionary investment strategies.

Denise Weinreich is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and four years of industry experience. She has worked with SilverTree Collective and various firms within Raymond James since 2022. Outside of finance, she is involved with SilverTree Wealth Partners as a client relationship manager. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm provides tailored, non-discretionary planning and consulting using analytical tools to illustrate potential outcomes and supports a variety of advisory programs and institutional consulting services.

Brad Snavely is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and four years of industry experience. He has worked with various Vanguard entities since 2021 and previously held positions at Randstad and Lowes. Vanguard Advisers provides automated and human-supported investment advice through digital and personal advisor services for retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach with portfolios primarily constructed from Vanguard funds and ETFs, offering a range of customization options and managing a large client base through a digital delivery model.