Ernest Miranda is a financial advisor at Empower Advisory Group with 14 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at The Vanguard Group, Inc. for 12 years. His background includes roles in caregiving and healthcare prior to his current financial services positions. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to IRA and retail brokerage account holders. The firm integrates its services with Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and managed account solutions within plan lineups chosen by sponsors.

John Thompson is a CFP® and holds a Series 65 license, currently serving as a financial advisor at Creative Planning with three years of industry experience. Prior to joining Creative Planning in 2022, he worked at Keystone Wealth Partners and also spent time with VIP Kid and Rancho Sordo Mudo. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in assets and employs a financial planning–led investment approach that emphasizes low-cost indexing and buy-and-hold strategies, supported by a large advisory team and centralized investment infrastructure.

Janet Horowitz is a financial advisor with Private Advisor Group, LLC, holding Series 63, 65, and 66 credentials and 40 years of industry experience. She has worked at Private Advisor Group since 2019 and concurrently at Wells Fargo Advisors Financial Network LLC since 2009. She provides investment advice through her business, Janet Horowitz LLC, operating under Private Advisor Group. Private Advisor Group is an SEC-registered advisory firm managing over $41 billion across more than 135,000 client relationships. The firm serves individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients, offering portfolio management, financial planning, and access to third-party asset management programs.

Matthew Langmack is a CFP® and holds a Series 66 license with six years of industry experience. He is currently an advisor at Schwab Wealth Advisory Inc., where he has worked since 2021. Prior to this, he held positions at Ameriprise Financial Services, One2One Wealth Strategies, and The Boeing Company. Langmack also worked in student and family programs at Arizona State University. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program sponsored by Charles Schwab & Co., Inc. The firm offers annual financial reviews, retirement and planning discussions, and investment recommendations using Schwab’s asset allocation models and research tools, with clients retaining final trading decisions.

Patrick Ketchoyian is a CFP® with 10 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, where he has worked since 2020. His prior experience includes roles at Annexus Securities, Edward Jones, and US Trust. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering services such as financial reviews, retirement planning, and investment recommendations across various asset classes, while clients retain final trading decisions.

Joseph Okros is a financial advisor with Brookstone Capital Management LLC in Ann Arbor, MI, holding a Series 66 designation and 14 years of industry experience. He has been with Brookstone since 2015 and has also been self-employed since 2014. Outside of his advisory work, Okros is involved in insurance sales, including traditional life, disability, and long-term care insurance, as well as annuities, and he is associated with an attorney business. Brookstone Capital Management is an SEC-registered adviser offering fee-based asset management and financial planning through a turnkey asset management platform and wrap-fee program. The firm serves a diverse client base, including individuals, retirement plans, corporations, charitable organizations, other RIAs, sovereign wealth funds, and banking institutions, providing primarily discretionary investment management via model portfolios, unified managed accounts, and separately managed accounts.

Jared Lang is a CFP® with two years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. His prior experience includes roles at Charles Schwab, JPMorgan Chase Bank, N.A., and J.P. Morgan Securities. Before entering financial services, he worked four years at Grand Canyon Beverage Company. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Charles Schwab ecosystem, focusing on annual financial reviews, retirement planning, and investment recommendations using Schwab’s research tools and asset allocation models. The firm does not exercise discretionary trading authority itself but collaborates with affiliated money managers for discretionary management.

Joshua Manwaring is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. His prior roles include positions at Manwaring Wealth Management, Trajan Wealth, LLC, and Pilot Mortgage, LLC. He is involved in fixed insurance and annuity sales and servicing. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets through a large advisor network, employing diversified investment strategies combining passive and active management overseen by an internal Investment Committee.

Molly Malone is a CFP® certificant with 26 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory since 2012. She has been affiliated with Charles Schwab since 1999. Molly is based in Phoenix, AZ, and holds Series 63 and Series 66 licenses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm does not engage in discretionary trading, with portfolio decisions made by clients or third-party money managers.

Carlton Weber is a CFP® with seven years of industry experience, currently serving as a financial advisor at Creative Planning since 2022. He previously worked at Keystone Wealth Partners and USAA, among other positions. Creative Planning provides wealth management and financial planning services to a diverse client base, including high-net-worth individuals, institutions, and retirement plans. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies, supplemented by customized equity, bond, and private market investments.

Westin Cox is a financial advisor at Schwab Wealth Advisory with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Schwab Wealth Advisory since 2016. Outside of finance, he is involved in a gate fabrication business. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses Schwab’s asset allocation models and research tools to recommend investments, while clients retain final trading authority.

Ryan West is a financial advisor at Osaic Institutions, Inc. with 14 years of industry experience. He holds a Series 66 designation and has previously worked at Arizona Federal Credit Union and CUSO Financial Services, L.P. since 2016. Osaic Institutions, Inc. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients through a large network of advisers. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating with a hybrid adviser/broker-dealer structure and a distinctive model that includes third-party promoter arrangements and lending solutions.

Sha Vere Yarde is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Schwab Wealth Advisory in 2025, Yarde worked at Charles Schwab & Co., Inc. and has experience as a wholesale car dealer through Top Car Yarde LLC. 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 research tools and standard asset allocation models.

Luke Schroeder is a CFP®-designated financial advisor with four years of industry experience. He is currently affiliated with Commonwealth Financial Network and Ke Wealth Advisors in Tempe, AZ. His work history includes multiple roles at both firms since 2020. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and managing roughly $212.7 billion in client assets. The firm offers a broad adviser-support platform, including managed-account programs, access to third-party asset managers, and custody/clearing services.

Brett Billenstein is a CFP® professional with 10 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory in Phoenix, AZ. His prior roles include positions at USAA, Ally Invest, and The Vanguard Group. Brett holds Series 63 and Series 66 licenses. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations. The firm utilizes Schwab’s asset allocation models and research tools, with advisors recommending strategies while clients make final trading decisions.

Thomas King is a financial advisor at Schwab Wealth Advisory with four years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab & Co., Inc. since 2022, including his current role at Schwab Wealth Advisory beginning in 2025. His prior experience includes positions outside the financial industry, such as roles in student accessibility services and the hospitality sector. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering 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 the Schwab ecosystem and does not charge clients directly for its advisory services.

Brandon Orr is a financial advisor at TLG Advisors, Inc. with three years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Morgan Stanley and The Vanguard Group. Orr served in the United States Marine Corps for four years and has experience in investment operations at Investors Preferred Life Insurance Company. TLG Advisors, Inc. manages approximately $2.0 billion in discretionary client assets, serving individuals, retirement plans, trusts, estates, charitable organizations, businesses, and institutional investors. The firm offers investment supervisory and portfolio management services, comprehensive financial and estate planning, ERISA fiduciary services, and a direct-to-consumer program called Starlight Portfolios, utilizing fundamental analysis and Modern Portfolio Theory in its investment approach.

Lindsey Underwood is a financial advisor at Schwab Wealth Advisory with 23 years of industry experience. She holds Series 63 and Series 66 licenses and has worked with Charles Schwab since 2009, including 14 years at Schwab Wealth Advisory. Outside of her advisory work, she serves as Vice President of Membership for Phoenix Delta Gamma, a local alumnae sorority organization. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations across a variety of asset classes using Schwab’s proprietary tools and models.

John Hanson is a financial advisor at Integrity Alliance, LLC with 12 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. His prior roles include positions at Lion Street Financial, The Leaders Group Inc, Rational Life, Investacorp Inc, and Highland Capital. Hanson is also involved in insurance product sales as an independent contractor. Integrity Alliance serves a diverse client base including individuals, charitable organizations, corporations, and retirement plans through a network of 164 independent advisers. The firm provides continuous asset management, financial planning, retirement plan consulting, and access to third-party manager programs, utilizing a range of portfolio management approaches and custodial platforms.

Ryan Schulte is a CFP® professional with 20 years of experience in financial services. He is currently with Guardian Life and affiliated with Park Avenue Securities, where he has worked in various capacities since 2016. Outside of his advisory role, Schulte is an adjunct professor of finance, teaches cash flow management, and writes articles for various sources. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management and a subsidiary of The Guardian Life Insurance Company of America, provides brokerage services, financial planning, retirement consulting, and investment advisory programs to individuals, high-net-worth clients, and institutional entities. The firm offers discretionary and non-discretionary advisory solutions, including digital options, and integrates proprietary and third-party investment strategies.