Stephen Hazel is a CFP® with 17 years of industry experience, currently serving as an advisor at Farther since 2025. He previously led Hazel Financial, PLC dba Magnificent Life Financial Planning for 12 years. Outside of advising, he owns Foundation Tax Advisors LLC, a tax preparation business, and BoyerHazel & Co LLC, which provides administrative services. Farther provides discretionary investment management and related advisory services primarily to individual investors, trusts, and estates through a web and mobile platform and in-person meetings. The firm employs a Modern Portfolio Theory-based approach using proprietary model portfolios, algorithmic rebalancing, and a range of investment vehicles including ETFs, mutual funds, equities, and fixed income.

Ethan Torres is a CFP® professional with two years of industry experience, currently affiliated with Schwab Wealth Advisory in Phoenix, AZ. He has been with Charles Schwab and Schwab Wealth Advisory Inc. since 2023. Prior to his financial advisory career, Ethan worked in various roles including at Sprouts Farmers Market and Chick-fil-A, as well as spending several years in full-time education. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations. The firm delivers advice through Charles Schwab’s asset allocation models and research tools, with final trading decisions made by clients and accounts reviewed at least annually.

Brent Wulbrecht is a CFP® professional with 27 years of industry experience, currently serving at Schwab Wealth Advisory in Phoenix, AZ. His career includes roles at Charles Schwab since 2018 and prior experience with USAA Financial Advisors and Ameriprise Financial Services. Outside of his advisory work, he is a limited partner in a family real estate investment partnership. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools. The firm offers investment recommendations and financial planning without discretionary trading authority, operating as an internal advisory unit within the Schwab ecosystem.

Raymond Master is a financial advisor with Guardian Life and holds Series 65 and Series 63 credentials. He has six years of industry experience, including roles at OneAmerica Securities and American United Life. Outside of his advisory work, he serves as President and a board member of the Rise Foundation, a nonprofit organization, and teaches at Financial Peace University. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage services, financial planning, retirement plan consulting, and investment advisory programs to individuals, pension and profit-sharing plans, charitable organizations, and corporate clients.

Theresa Clemmons is a financial advisor with Benjamin F. Edwards & Company, Inc. She holds Series 63 and Series 66 credentials and has 30 years of industry experience. Her prior experience includes roles at Wells Fargo Advisors LLC and Wells Fargo Clearing. Outside of her advisory work, she is involved with 1ST PHORM, a premier supplement company, in a non-investment capacity. Benjamin F. Edwards & Company provides investment advice and related services to a diverse client base, including individuals, retirement plans, trusts, estates, and corporate clients. The firm offers a blend of model-based and customized investment strategies, combining active and passive management, with ongoing due diligence and portfolio monitoring.

Rick Willoughby is a financial advisor with Independent Financial Group, LLC in Phoenix, AZ. He holds Series 63 and Series 65 credentials and has 27 years of industry experience. He has been affiliated with Independent Financial Group and its related entities since 2004 and also owns Symphony Financial Services, a marketing DBA for securities, advisory, and insurance services. Independent Financial Group is a large, integrated advisory and brokerage firm serving individuals, trusts, corporations, business owners, and plan sponsors. The firm offers investment advisory programs, financial planning, and retirement plan services, managing approximately $12.9 billion in regulatory assets through various platforms and a combination of in-house and third-party model portfolios.

Benjamin Kieckhafer is a financial advisor at Schwab Wealth Advisory with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Schwab Wealth Advisory since 2014, with prior experience at Charles Schwab dating back to 2007. Based in Phoenix, AZ, he provides investment advice within the Schwab Wealth Advisory program. Schwab Wealth Advisory, Inc. offers non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, with services including financial reviews, retirement planning, and investment recommendations using Schwab’s research tools and standard asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly for its services.

Oscar Uribe Cervantes is a Series 66-licensed financial advisor with eight years of industry experience. He is currently with Empower Advisory Group and has previously worked at Fidelity Investments, Bank of America, Merrill, and Thornburg Investment Management. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm delivers services through an integrated model connected to Empower’s recordkeeping and administrative platforms and emphasizes long-term portfolio returns and annual rebalancing in its planning approach.

Geoffrey Goldberg is a financial advisor at Schwab Wealth Advisory with Series 65 and Series 63 licenses and two years of industry experience. He has been with Schwab Wealth Advisory since 2025 and has prior work experience at Charles Schwab & Co., Inc, Kelly Education, and ScribeAmerica. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across a range of securities. The firm operates within the Schwab ecosystem using standardized asset allocation models and research tools, with advisory services focused on client-directed investment decisions rather than discretionary management.

Jorge Cardenas is a CFP® professional with 12 years of experience in the financial services industry. He is currently an advisor at Schwab Wealth Advisory in Phoenix, AZ, and has previously worked at firms including Fidelity Investments, JP Morgan Securities, and Bank of America. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, delivering services like annual financial reviews and investment recommendations based on Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, serving individual clients without charging fees directly.

Akihiro Kato is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience and holds Series 63 and Series 66 licenses. He has been with Schwab Wealth Advisory since 2018 and affiliated with Charles Schwab since 2015. Outside of his advisory role, he is co-owner of an e-commerce business focused on Fulfillment by Amazon, partnering with his wife. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab and does not directly charge clients fees for its advisory services.

Michael Kinsey is a CFP® professional with 28 years of experience in the financial industry. He has been with Schwab Wealth Advisory Inc. since 2012 and has worked at Charles Schwab since 1997. Kinsey holds Series 63 and Series 66 licenses and is based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in its Schwab Wealth Advisory program, focusing on annual financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates within the Schwab ecosystem and does not directly charge clients fees, distinguishing its approach from many other enterprise wealth managers.

Leah Johnson is a financial advisor at Hornor, Townsend & Kent, LLC with six years of industry experience. She holds the CFP® designation and Series 63 and 65 licenses. Prior to joining Hornor, Townsend & Kent in 2025, she worked at Eagle Strategies and New York Life Insurance Company. Outside of her advisory role, she provides horseback riding lessons through Apex Riding Academy. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting. The firm operates as both an SEC-registered adviser and FINRA-member broker-dealer, managing over $8 billion in discretionary assets as of the end of 2025.

Miguelito Reyes is a financial advisor at Transamerica Financial Advisors with 12 years of industry experience. He holds the Series 63 and Series 65 designations and has worked with both Transamerica Financial Advisors since 2014 and World Financial Group since 2012. He was also involved with B & L Learning Center LLC from 2011 to 2019. Reyes is engaged in the sale of insurance and non-insurance products affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and corporations. The firm offers both advisory and broker-dealer services through proprietary model portfolios and access to third-party managers, operating as both a registered broker-dealer and a registered investment adviser.

Eric Pyles is a CFP® and ChFC® with 25 years of experience in the financial services industry. He has worked at Penn Mutual Life Insurance Company and Hornor, Townsend & Kent, LLC since 2000. Outside of his advisory role, Pyles is involved in multiple insurance brokerage partnerships and serves as president of a local football booster club supporting the American Leadership Academy School. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory services primarily through third-party asset manager platforms and financial planning. The firm emphasizes client-directed implementation and oversight with a predominantly non-discretionary asset management approach.

Colin Ruttinger is a financial advisor with AE Wealth Management, LLC in Gilbert, AZ, holding a Series 65 license and five years of industry experience. He has worked at AE Wealth Management since 2021 and concurrently operates Accrue Wealth Designs, where he has been involved in insurance sales and financial advising since 2017. Prior to that, he spent ten years with CMR Insurance Services, LLC. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base, including individuals, corporations, and trusts. The firm emphasizes model portfolio and direct asset management programs, utilizing a range of investment strategies and managing nearly $50 billion in assets across more than 127,000 clients.

Kerry Vandine is a financial advisor with Schwab Wealth Advisory Inc. in Phoenix, AZ, holding Series 63 and Series 66 licenses and over 25 years of industry experience. He has been with Schwab Wealth Advisory since 2012 and has worked at Charles Schwab since 2000. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews, retirement planning, and investment recommendations using Schwab's asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab and does not directly charge clients fees, differentiating its service and client engagement approach from many enterprise wealth managers.

Daniel Applegate is a CFP® and Series 65-licensed financial advisor with four years of industry experience. He has worked at Creative Planning since 2022, following roles at Keystone Wealth Partners and Wisdom Index Advisors. Prior to his advisory career, he spent four years at Liberty University. Creative Planning is an enterprise firm managing approximately $295.6 billion in client assets across more than 1,100 advisors and 151 offices. The firm serves a broad client base, including high-net-worth individuals, retirement plans, and institutions, using a financial-planning-led investment approach that emphasizes low-cost indexing, tax strategies, and selective private market exposure.

Antonio Carter is a financial advisor with Principal Financial Services in Gilbert, AZ, holding Series 63 and Series 66 licenses and 20 years of industry experience. His prior roles include positions at M Financial Asset Management and Commonwealth Financial Network. Outside of his advisory work, he buys and sells baseball cards through eBay and trade shows. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm’s advisory services emphasize financial planning, retirement consulting, and access to third-party money manager programs under various investment adviser and promoter arrangements.

Mary Strong is a financial advisor at Hornor, Townsend & Kent, LLC with one year of industry experience. She holds a Series 66 designation and has worked at firms including Penn Mutual and Roots Management Group. Outside of her advisory role, she created and sells a Series 66 study guide that gained popularity on social media. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory services primarily through third-party asset manager platforms with a focus on client-directed implementation and oversight rather than discretionary trading.