John Vipond is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 66 designations and was previously affiliated with Securities America, Inc. for 26 years. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, employing various tools and multiple advisory platforms to construct portfolios that include a range of investment types.

Andrew Munger is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and seven years of industry experience. He has been with J.P. Morgan Securities since 2024 and has worked at JPMorgan Chase Bank, N.A. since 2005. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities.

Christine Chesney is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. She previously worked at UBS Financial Services for eight years before joining Wells Fargo Clearing in 2022. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Bryan Shank is a financial advisor with Osaic Wealth, Inc. based in Scottsdale, AZ. He holds Series 63 and Series 66 licenses and has eight years of industry experience. His prior work includes roles at Ameritas firms, Charles Schwab, TD Ameritrade, Amazon, Costco Wholesale Corp, and Convergys. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm provides brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers, using asset-allocation tools and risk-tolerance analysis to construct diversified portfolios.

Melinda Sherwood Lewis is a financial advisor at Osaic with 19 years of industry experience. She holds a Series 66 designation and has worked previously at Securities America Advisors, LPL Financial, and KMS Financial Services. In addition to her advisory work, she is employed seasonally as a host at Stevens Pass ski resort, assisting guests with directions and ticketing. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of advisers and platforms. The firm offers integrated brokerage and advisory services with a focus on using asset-allocation tools, risk assessments, and diversified portfolios managed on discretionary or non-discretionary bases.

Mitchell Stillman is a financial advisor at Wells Fargo Clearing with 44 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. He serves as a committee member for the JNF Real Estate and Finance Group in Phoenix, providing feedback and attending meetings. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Ali Rizvi is a financial advisor at Cetera with 29 years of industry experience. He holds the Series 65 and Series 63 designations and has worked at several firms including Integra Partners LLC, Ascend Financial Services, and North Star Consultants. Rizvi also serves as a board member for the Honor Health Foundation in Scottsdale, AZ. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individual, corporate, charitable, and institutional clients through a multi-manager platform that offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Brenda Bryan is a Series 66-licensed financial advisor at Edward Jones with one year of industry experience. She has operated Kalpana Marketing LLC / The Bryan Agency since 2014. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of financial advisors.

David Birrell is a financial advisor with LPL Financial in Scottsdale, AZ, holding the Series 63 and Series 65 designations and possessing 25 years of industry experience. Prior to joining LPL Financial in 2025, he worked at BFC Planning, Inc. for nine years and Berthel Fisher & Company Financial Services, Inc. for 15 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm provides various advisory programs, retirement plan consulting, and brokerage services, with both discretionary and non-discretionary management options supported by model portfolios and research.

Bruce Munster is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 27 years of industry experience. He previously worked at Bank of America and Merrill for a decade. Munster serves as a general partner or managing member in several private investment partnerships and LLCs, and he is a board member of Pinnacle Forum America, which supports leadership development through confidential forums. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm leverages extensive research and analytics and offers both brokerage and advisory solutions across a large network of financial professionals.

Antonio Escobedo is a financial advisor with OSAIC, holding a Series 66 designation and four years of industry experience. His prior work includes roles at Royal Alliance Associates and Thrivent Financial. OSAIC serves a diverse range of retail and institutional clients, offering integrated brokerage and advisory services, financial planning, retirement plan consulting, and access to multiple advisory platforms. The firm utilizes asset-allocation tools and various portfolio management techniques, supporting both discretionary and non-discretionary accounts across a wide spectrum of investment products.

Hal Gilbert is a financial advisor with OSAIC in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Royal Alliance Associates, Inc. since 2004. Osaic Wealth, Inc. serves a range of retail and institutional clients through a large network of affiliated advisers, providing integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs firm-provided asset-allocation tools and supports multiple platforms and managed-account solutions.

Joshua Beams is a financial advisor with Charles Schwab in Cave Creek, AZ, holding a Series 66 designation and 19 years of industry experience. He has been with Charles Schwab since 2014, including a role at Charles Schwab Bank SSB from 2014 to 2022. Charles Schwab & Co., Inc. serves a large client base, 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 non-discretionary advisory relationships with access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational structure.

Mark Schneider is a CFP®-designated financial advisor with 27 years of industry experience, currently affiliated with Osaic Wealth, Inc. He has held roles at several firms, including Securities America, Inc. and Northwestern Mutual Wealth Management Company. Outside of his advisory work, Schneider volunteers with special needs sports activities, assisting coaches during games. Osaic Wealth, Inc. serves a diverse client base, including individual and institutional investors, offering integrated brokerage, advisory, and financial planning services through a broad network of affiliated advisors and multiple platforms. The firm employs advanced asset-allocation tools and supports both discretionary and non-discretionary account management, with access to third-party money managers and wrap programs.

Kelly Miller is a financial advisor at LPL Financial with three years of industry experience. He previously worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank N.A. from 2022 to 2025. Miller holds Series 65 and Series 63 credentials. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary portfolio management supported by research from LPL and third-party subadvisors.

Matthew Bragg is a financial advisor at OSAIC with 17 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Securities America, Inc. for 11 years before joining OSAIC. OSAIC serves a broad 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 uses various asset-allocation tools and supports both discretionary and non-discretionary account management across multiple investment types.

Ryan Kanner is a financial advisor at Charles Schwab with Series 65 and Series 63 credentials and one year of industry experience. His prior roles include positions at Morgan Stanley and State Farm. He has also been involved with Alpen Bluffs Outdoor Resort and One Stop Nutrition. 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 and discretionary investment management options supported by a large, integrated operational structure.

Ryan Kidd is a financial advisor with LPL Financial based in Peoria, AZ. He holds the Series 66 designation and has 20 years of industry experience, including nine years at Lincoln Financial Advisors Corporation prior to joining LPL Financial in 2023. He is also the author of the book *The Art of Retiring Whole*. 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 of investment adviser representatives. The firm offers a range of financial planning, advisory programs, retirement plan consulting, and brokerage services, with discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Scott Baker is a financial advisor with Edward Jones in Scottsdale, AZ, holding Series 63 and Series 66 designations and having 16 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a broad range of advisory strategies and affiliated investment products, operating under a fiduciary standard and supported by a large nationwide network of financial advisors and branch offices.

Sandra Snyder is a financial advisor at OSAIC with 26 years of industry experience and holds a Series 66 designation. She has been with Securities America Advisors, Inc. since 2008 and currently works at OSAIC. Outside of her advisory role, she is involved in managing a rental property in Parma, Ohio. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools and third-party platforms to construct portfolios across various asset classes.