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 the Series 66 designation and has previously worked with Penn Mutual, Iron Mountain, and Roots Management Group. Outside of advisory work, she created and sells a popular Series 66 study guide marketed via social media. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisers, offering advisory programs, financial planning, and retirement plan consulting. The firm operates as both an SEC-registered investment adviser and a FINRA-member broker-dealer, with a focus on tailored asset allocation and diversification strategies.

Bryan Chubinsky is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and possessing 12 years of industry experience. He has been with Schwab Wealth Advisory since 2015 and Charles Schwab since 2013. He also serves in the US Army Reserves, a role he has held since 1995. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews, investment recommendations across various asset classes, and wealth management education. The firm operates within the Schwab ecosystem and recommends investments using Schwab’s research tools while leaving final trading decisions to clients.

Kevin De Stefanis is a financial advisor with Empower Advisory Group, holding the ChFC® designation and Series 66 license. He has 15 years of industry experience, having previously worked at Edward Jones, MassMutual, and GWFS Equities. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and retail brokerage account holders. The firm’s services integrate with Empower’s recordkeeping and administrative platforms and emphasize long-term portfolio returns, annual rebalancing, and clients’ savings rates.

Kaden Creager is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 65 and Series 63 licenses and three years of industry experience. His prior roles include work at Penn Mutual Life Insurance Company and the Department of Interior AZ Strip District. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a comprehensive advisory platform that includes financial planning, advisory programs, and retirement plan consulting. The firm combines SEC-registered advisory services with broker-dealer capabilities and manages billions in assets while working with third-party asset managers to provide tailored investment solutions.

Dominick Chavez is a financial advisor with Schwab Wealth Advisory, holding Series 66 and Series 63 licenses and bringing nine years of industry experience. He has been with Schwab Wealth Advisory since 2020 and has worked with Charles Schwab & Co., Inc. since 2016. 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 across a range of assets. The firm operates within the Schwab ecosystem, delivering advice through standard asset allocation models and research tools while leaving final trading decisions to clients.

Haziq Basharat is a CFA® charterholder and holds a Series 66 license with seven years of industry experience. He currently works at Schwab Wealth Advisory and previously spent nine years at Edward Jones Trust Company. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in its Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning discussions, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem, delivering advice through standardized asset allocation models and research tools, without exercising discretionary trading authority.

James Collier is a CFP® with 23 years of industry experience, currently serving at Empower Advisory Group since 2026. His prior roles include positions at Schwab Private Client Investment Advisory, Inc. and Charles Schwab, where he worked for a combined 14 years. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and their participants, delivering integrated solutions tied to Empower’s administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.

Nikola Stojanovic is a CFP® and CFA® credentialed advisor with 11 years of industry experience, currently serving at Schwab Wealth Advisory since 2017. He has been associated with Charles Schwab since 2014. 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 research tools and standard asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

Timothy Anthony is a CFP® with eight years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior career includes positions at Morgan Stanley Private Bank, Morgan Stanley, Bank of America, Merrill, and Charles Schwab & Co. Outside of finance, he has worked with Olney Winery and Grand Canyon University. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm recommends investments using Schwab’s research tools and standard asset allocation models, conducting annual account reviews without discretionary trading authority.

Jason Rucker is a CFP® professional with 29 years of experience in the financial services industry. 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, he serves as a bishop for a local congregation of The Church of Jesus Christ of Latter-day Saints, overseeing various spiritual, physical, and financial needs. 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, with a dual registration as both an SEC-registered adviser and FINRA-member broker-dealer, supporting a broad range of investment and brokerage services.

Jamie Moultane is a financial advisor at Empower Advisory Group with 17 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Merrill for 15 years before joining Empower in 2025. 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’s integrated model ties financial planning and managed account solutions to Empower’s recordkeeping and administrative platforms.

Susan Bishara is a Series 66-licensed financial advisor with Schwab Wealth Advisory in Phoenix, Arizona. She has 16 years of industry experience, including roles at HSBC Bank USA and HSBC Securities prior to joining Schwab in 2020. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program. The firm delivers personalized investment recommendations and financial planning using Schwab’s asset allocation models and research tools, conducting annual reviews without discretionary trading authority.

Nathan Hesman is a financial advisor with Schwab Wealth Advisory based in Phoenix, AZ. He holds Series 63 and Series 66 credentials and has 15 years of industry experience. Prior to joining Schwab Wealth Advisory in 2024, he worked at Charles Schwab Bank from 2012 to 2023. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s proprietary research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, with clients retaining final trading decisions and discretionary management typically handled by affiliated or third-party managers.

Steven Fox is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Charles Schwab since 2000 and has served at Schwab Wealth Advisory since 2012. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, planning discussions, and investment recommendations supported by Schwab’s proprietary research and asset allocation models. The firm operates as an internal advisory unit within Charles Schwab, serving clients primarily through education and recommendations rather than discretionary management.

Christel Covert is a CFP® professional with 37 years of industry experience, currently serving at Independent Financial Group, LLC since 2009. She is also the owner of Arizona Tax and Financial Advisors, PLLC, which provides tax preparation, accounting, and trust-related services. Additionally, she acts as trustee for several family trusts. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser that offers a range of brokerage, portfolio management, financial planning, and retirement plan services to individuals, charities, corporations, and plan sponsors, managing approximately $11.3 billion in assets. The firm provides advisory programs through its AccessPoint platform and third-party asset managers, serving a diverse client base including high-net-worth individuals and institutional clients.

Brice Willoughby is a financial advisor with Independent Financial Group, LLC in Phoenix, AZ, holding Series 63 and Series 65 licenses and 17 years of industry experience. He has been with Independent Financial Group since 2007 and has operated as a self-employed advisor since 2005. Outside of his advisory role, he is also licensed as an insurance agent offering various types of insurance products. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers brokerage, portfolio management, financial planning, and retirement plan services through a national network of advisors and provides access to multiple advisory programs and third-party asset managers.

Kenneth Gatliff is a financial advisor with Creative Planning in Gilbert, AZ, holding Series 65 and Series 66 licenses and bringing eight years of industry experience. His prior experience includes roles at Keystone Wealth Partners and Matson Money, Inc. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base that includes individuals, pension plans, trusts, and corporations. The firm employs a financial-planning-led investment approach featuring low-cost indexing, buy-and-hold strategies, and selective private market exposure, managing approximately $295.6 billion in client assets.

Gary Alt is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Creative Planning since 2025. Prior to this, he worked for 14 years at Monterey Private Wealth, Inc. Outside of his advisory role, he is involved in property management for both residential and commercial real estate through ownership interests. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm employs a financial planning–led investment process focused on low-cost indexing and buy-and-hold strategies, supported by a large advisory team and a range of affiliated non-investment businesses such as a law firm, trust company, and retirement plan recordkeeping services.