Tyler Herr is a financial advisor with Benjamin F. Edwards & Company, Inc. He holds the Series 66 designation and has 17 years of industry experience. Prior to joining Benjamin F. Edwards in 2018, he worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Benjamin F. Edwards & Company is an SEC-registered investment adviser and broker-dealer that serves a diverse client base, including individuals, pension plans, charitable organizations, and corporations. The firm offers a range of fee-based wrap programs, financial planning, and investment management consulting with strategies managed in-house, by advisors, and third parties.

Delfinaa Solanki is a Series 66 licensed financial advisor with six years of industry experience. She is currently with Schwab Wealth Advisory and previously spent ten years at Merrill. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations utilizing Charles Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, distinguishing its service model from many peers.

Chad Ensign is a financial advisor at AE Wealth Management, LLC with 11 years of industry experience. He holds a Series 65 designation and has worked at AE Wealth Management since 2017. He is also president of Ensign Wealth Management, Inc., and serves as chapter president and instructor for the American Financial Education Alliance, a nonprofit focused on public finance education. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a platform-centered investment approach with model portfolio solutions, discretionary asset management, financial planning, and consulting services.

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.

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.

Victor Sanchez is a financial advisor at Fifth Third Securities, Inc. with five years of industry experience. He holds Series 63 and Series 66 credentials. His prior roles include positions at Morgan Stanley, Merrill Lynch, Bank of America, and Ameriprise Financial Services. Sanchez also serves as a financial advisor for Comerica Bank in addition to his role at Fifth Third Securities. Fifth Third Securities serves individual and institutional clients through both investment advisory and brokerage services. The firm offers a variety of managed account programs and investment strategies delivered via the Passageway platform, which includes options such as tax-overlay services and direct indexing.

Theresa Clemmons is a financial advisor at Benjamin F. Edwards & Company, Inc. with 30 years of industry experience. She holds Series 63 and Series 66 designations and previously worked at Wells Fargo Advisors and Wells Fargo Clearing. Outside of her advisory role, she is involved with 1ST PHORM, a supplement company, where she acts as a representative. Benjamin F. Edwards & Company serves a diverse client base including individuals, pension plans, charitable organizations, and corporations, offering fee-based wrap programs, financial planning, and investment management consulting. The firm employs a range of investment strategies, monitored by an Investment Strategy Committee, and combines custody and execution services with its broker-dealer and insurance functions.

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 with Schwab Wealth Advisory, Inc., holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has been with Charles Schwab in various roles since 2007 and with Schwab Wealth Advisory since 2014. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations based on Schwab’s asset allocation models and research tools. As an internal advisory unit within the Schwab ecosystem, the firm delivers advice without discretionary trading authority and does not directly charge clients fees.

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 CFP® professional at Hornor, Townsend & Kent, LLC with six years of industry experience. Prior to joining Hornor, Townsend & Kent in 2025, she worked with New York Life and affiliated firms from 2018 to 2025. 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 by offering advisory programs, financial planning, and retirement plan consulting. The firm provides both advisory and broker-dealer services, including custody and execution, and manages approximately $8.37 billion in discretionary assets under management.

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 industry experience. He is affiliated with Hornor, Townsend & Kent, LLC and Penn Mutual Life Insurance Company, where he has worked since 2000. Outside of his advisory role, Pyles is involved in multiple insurance brokerage ventures and serves as president of a local football booster club supporting a community educational program. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisers. The firm offers advisory programs, financial planning, and retirement plan consulting, operating both advisory and broker-dealer services with a reported $8.37 billion in discretionary assets under management as of December 2025.

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.