Chad Mclain is a financial advisor at Fidelity with 16 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at various Fidelity entities since 2010. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including advisory support for registered investment companies and charitable funds. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified model portfolios.

Michael Mikulich is a CFP® with 16 years of industry experience, currently serving at Vanguard Advisers since 2009. He holds a Series 63 license and is based in Scottsdale, AZ. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach, utilizing proprietary models and Vanguard funds and ETFs to deliver personalized portfolios with tax-aware features and customization options.

Nicole Eich is a financial advisor at Vanguard Advisers with seven years of industry experience. She holds Series 63 and Series 65 designations. Her prior experience includes roles at USAA Investment Management Company and USAA Financial Advisors Inc. Vanguard Advisers provides automated and human-supported investment advice through its digital 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 mainly from Vanguard funds and ETFs, emphasizing scalability and digital delivery.

Pau Thang is a financial advisor at Vanguard Advisers with a Series 66 designation and one year of industry experience. Prior to joining Vanguard in 2026, Thang worked at Merrill Lynch, Pierce, Fenner & Smith Inc. for four years. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Personal Advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm’s goal-based, algorithm-driven approach uses proprietary models to create personalized portfolios mainly composed of Vanguard funds and ETFs, offering tax-aware features and customization options.

Grant Crane II is a financial advisor with LPL Financial in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He previously worked at Wells Fargo Advisors for seven years and MFS Fund Distributors, Inc. for 14 years. He has a 50% ownership interest in Grant Financial LLC, an investment-related business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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, and institutional platforms, supported by a large network of investment adviser representatives and a wide array of operational tools.

Steven Payne is a financial advisor with Primerica Advisors in Mesa, AZ, holding Series 63 and Series 65 licenses and one year of industry experience. His prior work includes 14 years at Globus Medical Inc and self-employment for two years. He has also been involved with NEXT Community Church. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-based strategies and selectively managed accounts to individual and high-net-worth clients under a wrap-fee structure.

Gregory Ashcraft is a Wealth Management Advisor at Merrill Lynch Wealth Management with a career in financial services that began in 1984. In his role, he assists clients in developing wealth management strategies tailored to their individual needs, focusing on a comprehensive approach that includes listening and helping clients make informed decisions. Gregory's client focus areas include college education planning, managing new wealth, personal retirement planning, and retirement income. Gregory holds a Bachelor's Degree from the University of Nebraska System and a Master's Degree from the University of Houston System. He holds professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). He has been recognized multiple times on Forbes' "Best-in-State Wealth Advisors" list and as a member of the Ashcraft Group on Forbes' "Best-in-State Wealth Management Teams" list. Outside of his professional work, Gregory is involved in the Academic Decathlon community program. His personal interests include hiking, photography, and scuba diving.

Aldo Zuniga is a financial advisor at Merrill with a Series 66 credential and over 20 years of industry experience. His prior work includes a long tenure at Wells Fargo Bank from 2002 to 2025, followed by positions at Merrill and Bank of America. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Nicholas Wade is a Series 66-registered financial advisor with Merrill, based in Chandler, AZ, and has three years of industry experience. His work history includes positions at Bank of America and Northwestern Mutual. Outside of finance, he was involved with Dark Sky Brewing Co. in 2023. Merrill provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies developed by internal and third-party managers.

Debra Gallegos Caldwell is a financial advisor at Cetera with 34 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses and has been affiliated with Cetera and its related entities since 2013. Outside of advisory services, she owns and operates Caldwell Financial Inc., which sells dental plans, insurance, and health products, and she also works as an insurance agent offering life, health, disability, annuities, and long-term care products. Additionally, she refers clients for estate planning services through American Living Trust Services, LLC. Cetera Investment Advisers LLC is an SEC-registered advisor serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with access to multiple program platforms and third-party money managers.

Peter Miller is a financial advisor at Vanguard Advisers with a Series 66 designation and one year of industry experience. His prior work includes roles at Paychex, K2 Sports, and the University of Arizona, as well as entrepreneurial ventures in auto services and fleet management. Vanguard Advisers delivers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach focused on personalized asset allocation through proprietary methodologies and broad fund selection.

Benjamin Backus is a financial advisor with J.P. Morgan Securities based in Mesa, AZ. He holds the Series 63 and Series 66 designations and has four years of industry experience. His prior work includes roles at The Vanguard Group, Inc. and several financial and lending firms. 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 firm’s process integrates quantitative and qualitative research and includes a broad range of derivatives and commodities capabilities.

Andrew Gomez is a financial advisor at Vanguard Advisers with five years of industry experience. He holds Series 66 and Series 63 licenses and has worked at firms including Charles Schwab, JPMorgan Chase, Merrill Lynch, and Bank of America. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard 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 investment approach and manages a large client base with a combination of digital platforms and advisor teams.

Michael Joyce is a financial advisor with Merrill in Chandler, AZ, holding a Series 66 designation and eight years of industry experience. His career includes two separate periods at Merrill and a year at Robinhood Financial. Outside of his advisory role, he is involved in music as the owner of an LLC that produces and sells music and related merchandise under the name "Charm The Villain." 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Andre Lepe is a financial advisor at Fidelity with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at The Vanguard Group, Edward Jones, and several other firms. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment process.

Timothy Melanson Jr. is a CFP® with nine years of industry experience, currently serving as a financial advisor at Vanguard Advisers in Scottsdale, AZ. His career includes roles at The Vanguard Group and Vanguard Marketing Corporation since 2017, as well as prior experience in the hospitality and manufacturing sectors. 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 using proprietary models to create personalized asset allocations, managing a large client base with a digital platform supported by over 2,200 advisors.

Ramiro Garcia Jr. is a financial advisor with Vanguard Advisers holding a Series 66 designation. He brings experience from both military service and roles at Vanguard-affiliated firms, having worked at The Vanguard Group, Vanguard Marketing Corporation, and Randstad. He also has a background that includes service in the United States Army and Marine Corps. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants, using a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs. The firm is notable for its scale and digital delivery, managing a large number of client relationships through a combination of automated platforms and team servicing.

James Maier is a financial advisor with Vanguard Advisers, holding a Series 66 designation and currently located in Scottsdale, AZ. He has one year of industry experience, including roles at Vanguard Advisers, The Vanguard Group, and Vanguard Marketing Corporation. His prior work history includes various positions outside the financial industry. 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 investment approach with portfolios mainly composed of Vanguard funds and ETFs, supported by a large team and a high client-to-advisor ratio.

Ivan Rodriguez Flores is a financial advisor at Vanguard Advisers with Series 63 and Series 66 credentials and four years of industry experience. His career includes roles at Vanguard Marketing Corporation and The Vanguard Group, Inc., as well as positions related to behavior therapy and education. He has experience working in both financial services and behavioral health sectors. Vanguard Advisers delivers investment advice through a combination of automated and human-supported services, primarily serving retail investors and eligible participants in employer-sponsored retirement plans. The firm uses an algorithm-driven, goal-based approach to asset allocation, focusing mainly on Vanguard funds and ETFs with various customization and tax-aware features.

Laura Navarro is a financial advisor at Merrill with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill since 2014, also working with Bank of America since 2019. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.