Jennifer Attwood is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2012. She holds a Series 63 license and is based in Scottsdale, AZ. Her entire advisory career has been 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 uses a goal-based, algorithm-driven approach with proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs, offering various customization options and tax-aware features.

Lisa Jackson is a financial advisor at Cetera with 26 years of industry experience. She holds a Series 66 designation and has held roles at Avantax Advisory Services, 1st Global Advisors, and currently owns a CPA firm, Whitman & Jackson CPAs PC. Jackson also serves as a trustee for a family living trust and is involved in managing financial and accounting operations for advisory business-related entities. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers portfolio management, financial planning, and access to third-party money managers through a multi-manager platform with a variety of program structures and custodial relationships.

Ronald Davies is a financial advisor at LPL Financial with 23 years of industry experience. He holds the Series 66 designation and previously worked at Kestra Advisory Services and Kestra Investment Services for seven years. His outside business activities include ownership of RTD Financial LLC, a non-investment-related entity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by research, model portfolios, and technology-driven solutions.

Scott Kauls is a Wealth Management Advisor with Merrill Lynch Wealth Management. In his role, he assists clients in identifying and pursuing their financial goals throughout various stages of life. He emphasizes personalized planning tailored to each client's unique ambitions and priorities. Scott's expertise includes retirement planning, education funding, healthcare cost planning, and legacy creation. He holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from Luther College. Outside of his professional responsibilities, Scott engages in basketball, golfing, photography, pickleball, and yoga.

Cody Heins is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 66 designation and has eight years of industry experience. Prior to joining Raymond James in 2025, Heins worked at LPL Financial LLC, Edward Jones, and Union Bank & Trust. He is also associated with Arrowhead Wealth Partners, a non-investment-related support company based in Glendale, AZ. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary advisory services using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Matthew Welgat is a financial advisor at LPL Financial with 22 years of industry experience. He holds Series 63 and Series 66 registrations and previously worked at Sigma Financial Corporation and Sigma Planning Corporation. In addition to his advisory work, he is a licensed attorney and operates Welgat Law Offices, LLC. LPL Financial is a nationally registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations, offering a range of advisory programs, retirement plan consulting, and brokerage services supported by comprehensive research and model portfolio options.

Brett Woods is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has served since 2009. He has been in the financial services industry since 2004, providing personalized wealth management strategies tailored to clients' individual financial goals. Brett specializes in areas such as college education planning, investment consulting for defined contribution plans, personal retirement planning, portfolio management services, and retirement income. Brett holds a Bachelor's Degree from Idaho State University, where he attended on a golf scholarship. He has earned the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification and the Chartered Retirement Planning Counselor™ (CRPC™) designation, as well as the Personal Investment Advisor (PIA) credential. Born and raised in Laurel, Montana, Brett relocated to Arizona in 2004 to begin his career in financial services. In addition to his professional work, Brett is engaged in community service and volunteers with local organizations, reflecting his commitment to the communities he serves. His personal interests include basketball, football, golfing, hiking, running, and traveling.

Jennifer Pope is a financial advisor at UBS Financial Services with 35 years of industry experience. She has been with UBS since 2003. She holds Series 63 and Series 65 licenses. UBS Financial Services Inc. serves individual, corporate, and institutional clients with brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, offering a broad range of capital markets and research resources.

Frederick Balzarini is a financial advisor at Wells Fargo Clearing with 47 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes insurance-related vehicles and bank deposit sweep options among its investment offerings.

Carole Hall is a financial advisor with Morgan Stanley in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. She has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and previously with Citigroup Global Markets starting in 1994. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and modeling techniques, with approximately $2.74 trillion in client assets under management.

Steven Berryman is a financial advisor at Ameriprise with nine years of industry experience. Prior to joining Ameriprise in 2024, he worked at The Vanguard Group for eight years and has a Series 63 designation. Outside of finance, he has been involved with Windmill Roasters since 2021. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service, providing detailed retirement planning and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Dru Ashcraft is a financial advisor with Osaic Wealth, Inc. based in Scottsdale, AZ, holding Series 63, 65, and 66 credentials and 19 years of industry experience. He has worked at Royal Alliance since 2014. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm utilizes proprietary asset-allocation tools and supports various managed-account solutions across a complex corporate and platform structure.

Dat Pham is a financial advisor at Fidelity with five years of industry experience. He holds a Series 66 designation and has worked at Fidelity Investments since 2021. Prior to that, he was employed at Wells Fargo Bank and Wells Fargo Clearing. Outside of his advisory role, he works as an independent contractor driving for Uber. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, offering model portfolios built from mutual funds, ETFs, and ETPs.

Julien Hall is a financial advisor at Morgan Stanley with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley and Charles Schwab in various roles since 2019. Outside of his advisory work, Hall is involved in market research and technology service roles with companies like Fieldwork Phoenix, Uber Eats, Doordash, and Instacart. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured tools and models but generally acts only in an advisory capacity for retirement accounts unless otherwise engaged.

Christopher Travelle is a financial advisor with Wells Fargo Advisors in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. Prior to joining Wells Fargo Advisors in 2024, he worked at Morgan Stanley in various capacities from 2007 to 2024. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad planning menu that includes cash-flow, retirement, education, risk, wealth transfer, and specialized planning services. The firm integrates advisory services with other financial products and referral channels, delivering tailored recommendations supported by Wells Fargo research and planning tools.

Tracy Eckman is a financial advisor with Raymond James & Associates in Scottsdale, AZ, holding a Series 66 designation and possessing 21 years of industry experience. Prior to joining Raymond James in 2024, she spent 16 years at RBC Capital Markets. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, charitable organizations, and government entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Raymond Singh is a financial advisor at Cetera with 28 years of industry experience. He holds Series 65 and Series 63 credentials and has worked previously at LPL Financial and several Avantax entities. Since 2012, he has been a member of Innovative Retirement Solutions, PLLC, where he provides wealth management, estate and trust planning, and education planning services. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to model portfolios, third-party managers, and bespoke strategies.

Alaina Brenner is a Series 66-registered financial advisor with Morgan Stanley in Scottsdale, AZ, with four years of industry experience. Her prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC, as well as time spent in education. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides financial planning services alongside broader investment and trading activities.

Edward Curtin III is a CERTIFIED FINANCIAL PLANNER™ with 13 years of industry experience, currently serving at OSAIC since 2026. His prior roles include positions at The Leaders Group, Inc., Diversified Brokerage Services Inc., and John Hancock Distributors. OSAIC is a large wealth management firm serving retail and institutional clients through a network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, employing various asset-allocation tools and third-party solutions to construct diversified portfolios across a range of investment types.

Erik Scharff is a CFP® with 19 years of industry experience, currently serving at Vanguard Advisers since 2011. He also works as an adjunct faculty member at Apollo Group/University of Phoenix. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm’s investment approach uses a goal-based, algorithm-driven methodology with portfolios constructed largely from Vanguard funds and ETFs.