Jennifer Vo is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. She has been with Vanguard Marketing Corporation and THE Vanguard Group, Inc. since 2007. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach primarily using Vanguard funds and ETFs, supported by a large team of advisors and a digital platform.

Brandon Baenke is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds the Series 66 designation and has previously worked at Charles Schwab and Bank of America, among other firms. Based in Sun City West, AZ, he joined J.P. Morgan Securities and JPMorgan Chase Bank in 2024. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process combines quantitative screens and qualitative research to deliver written asset allocation advice and customized performance reporting, while clients retain final decision-making authority.

Maxwell Cocreham is a CFP®-designated financial advisor at Charles Schwab with three years of industry experience. His work history includes roles at Charles Schwab and Charles Schwab Bank, as well as experience outside finance in education and digital dental fields. He is also a co-owner of Selander Allen LLC, an online reselling business. Charles Schwab serves a large client base, mainly high- and ultra-high-net-worth individuals, offering integrated wealth advisory, brokerage, and custody services through its Schwab Wealth Advisory program. The firm combines non-discretionary advisory guidance with access to affiliated discretionary strategies and alternative investments.

Nathan Ring is a CFP® with 12 years of industry experience, currently serving as an advisor at Vanguard Advisers since 2014. He holds a Series 63 license and is based in Scottsdale, AZ. Ring's career has been exclusively with The Vanguard Group, Inc. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach and manages portfolios primarily with Vanguard funds and ETFs, serving a large client base through its combination of digital platforms and a broad advisory team.

Kyle Oreshack is a CFP® with 15 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He has previously worked at Vanguard Advisers and COUNTRY Insurance Affiliates. Oreshack is also an associate at Desert Financial Wealth Management in Scottsdale, AZ. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public finance work through unique affiliations.

Shelley O'Brien is a financial advisor at OSAIC with 27 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at firms including Woodbury Financial Services, National Planning Corporation, and Phoenix Financial Group. Outside of her advisory role, she serves as Branch Operations Manager for Phoenix Financial Group, overseeing branch books and client account services. OSAIC serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, offering both brokerage and advisory services through a multi-advisor platform. The firm utilizes a model-based investment process with portfolio optimization and offers a range of programs including Unified Managed Accounts and third-party money manager options.

David Cargill is a financial advisor with LPL Financial in Scottsdale, AZ, holding Series 65 and Series 63 credentials and six years of industry experience. He previously worked at Integrated Financial Group and OJM, and has been involved with the Fellowship of Catholic University Students and Moreau Seminary. Outside of advising, he is a business owner of The Lettermen and is associated with Benedictus Deus LLC, a non-investment-related business entity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Caitlin Burgos is a financial advisor with Vanguard Advisers, holding a Series 66 designation and four years of industry experience. She has been with Vanguard and its affiliates since 2022, and previously worked in a variety of roles including positions at Randstad and American Campus Community. Vanguard Advisers offers a combination of 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 using proprietary models to construct portfolios primarily from Vanguard funds and ETFs, with various tax-aware and customization features.

Bryan Davidson is a financial advisor at UBS Financial Services with 18 years of industry experience. He holds a Series 66 designation and previously worked at LPL Financial and BMO Harris Financial Advisors. Outside of his advisory work, he is involved in managing vacation rental properties through an LLC. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory offerings, leveraging proprietary research and model-based asset allocations to tailor client portfolios. The firm integrates institutional trading capabilities with wealth management, providing a diverse set of capital markets and financial planning services.

Ryan Mc Cormick is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 66 and Series 63 designations and one year of industry experience. His prior work includes roles at Morgan Stanley and several positions within Vanguard affiliates. Outside of finance, he has three years of involvement with Arcadia Lacrosse. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach featuring proprietary methodologies and a broad range of customization options, managing a large client base through its scale and digital delivery model.

Anthony John Esguerra is a financial advisor with Morgan Stanley in Peoria, AZ, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2012. Outside of his advisory role, he is involved as a sole proprietor of a retail and online store business, a partner in a healthcare med spa, and serves as a certified pickleball coach. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers comprehensive wealth management services alongside broader investment and private fund activities.

Mason September is a financial advisor at Morgan Stanley with three years of industry experience. He holds the Series 66 designation and has prior work experience at Loan Depot, Caliber Home Loans, and several other companies outside the financial sector. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

Sonja Ryan is a financial advisor with Wells Fargo Clearing in Scottsdale, AZ, holding a Series 63 designation and 39 years of industry experience. She has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets through a large network of over 14,000 financial advisors.

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 with Cetera, holding a Series 66 credential and 27 years of industry experience. She has worked at multiple firms including Avantax Advisory Services and 1 St Global Advisors, and is also the owner of Whitman & Jackson CPAs PC, a CPA firm. Additionally, she serves as trustee for the Kaplan Living Trust. Cetera Investment Advisers LLC operates a large network of independent advisors serving individuals, retirement plans, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options.

Ronald Davies is a financial advisor with LPL Financial in Scottsdale, AZ, holding a Series 66 designation and 23 years of industry experience. His career includes prior roles at Kestra Advisory Services, Kestra Investment Services, and SII Investments. He is involved in estate planning services through a separate entity outside of his advisory work. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered primarily through its extensive network of investment adviser representatives.

Scott Kauls is a Wealth Management Advisor at Merrill Lynch Wealth Management. He is a founding member of a Minneapolis-based wealth management team that assists individuals and families with retirement planning, wealth transitions, and long-term financial planning. His approach focuses on simplifying complex financial decisions through disciplined investment strategies and personalized guidance. Scott 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 his Bachelor's Degree from Luther College. Outside of his professional work, Scott's personal interests include 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 with LPL Financial in Scottsdale, AZ, holding Series 66 and Series 63 credentials and over 22 years of industry experience. His prior work includes roles at Sigma Financial Corporation, Sigma Planning Corporation, and Welgat Wealth Management. Outside of advising, he is a licensed attorney affiliated with Welgat Law Offices, LLC, providing legal services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

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.