Richard Auck is a financial advisor at Charles Schwab with 26 years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes six years at Optionsxpress, Inc., and over two decades at Charles Schwab and Charles Schwab Bank. 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 and discretionary investment management supported by multi-asset model portfolios and Schwab’s Alternative Investments Select program.

Tyler Smith is a financial advisor at Strategic Advisers LLC, a Fidelity Investments company, with four years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Fidelity Investments, Wells Fargo, and Utah Valley University. Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios and offers advisory services that incorporate systematic methodologies and oversight controls.

Jacob Hershberg is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2004. He holds a Series 63 license and is based in Scottsdale, AZ. Hershberg has spent his entire advisory career with The Vanguard Group, Inc. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach to asset allocation, utilizing proprietary models and largely Vanguard funds and ETFs to create personalized portfolios.

Andrew Rowland is a financial advisor at Vanguard Advisers with six years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones and Edward Jones Trust Company. He is based in Scottsdale, AZ. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, using a goal-based and algorithm-driven approach that incorporates proprietary models and largely Vanguard fund portfolios. The firm serves a large client base with a digital delivery platform supported by more than 2,200 advisors.

Dane Kelly is a financial advisor with LPL Financial in Phoenix, AZ, holding a Series 66 designation and 11 years of industry experience. He previously worked at Waddell & Reed, Inc. for seven years and is involved with Siefer & Kelly Management, a business entity used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions with a range of advisory and brokerage services including financial planning and third-party asset management.

Ivaylo Dimov is a financial advisor at Charles Schwab with 12 years of industry experience. He holds the Series 66 designation and has been with Charles Schwab since 2013, including time at Charles Schwab Bank, SSB since 2025. 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 combines a large-scale client base with a dual-registered broker-dealer and investment adviser structure, offering both non-discretionary and discretionary investment options supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Tyler Endersby is a financial advisor with Equitable Advisors in Scottsdale, AZ. He holds the Series 66 designation and has one year of industry experience. His prior roles include positions at Ryleigh Wealth Management and Northern Arizona University. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and a range of asset-management programs through a network of Investment Adviser Representatives, utilizing various third-party managers and proprietary advisory tools.

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®-certified financial advisor with Ameriprise in Scottsdale, AZ, and has four years of industry experience. Prior to joining Ameriprise, he worked at The Vanguard Group, Inc. for three years. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing annual advice focused on dependable income sources and tax-aware withdrawal strategies.

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, holding a Series 66 designation and 12 years of industry experience. He has been with Securities America Inc since 2013 and also has a role in compliance at Securities America Advisors. Outside of advisory services, he is involved in a sanitation business. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools, operating through a complex network of affiliated broker-dealer and RIA relationships.

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.