Nathan Hesman is a CFP® professional with 15 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. He has worked within the Charles Schwab organization since 2011, including roles at Charles Schwab Bank and Schwab Wealth Advisory. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain CS&Co.-referred clients, utilizing Schwab’s asset-allocation models and research tools to tailor recommendations based on client goals and risk tolerance.

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 Schwab Wealth Advisory since 2012 and has worked at Charles Schwab since 2000. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on proprietary asset-allocation models and research tools, with an emphasis on client-specific goals and risk tolerance.

Christel Covert is a CFP® professional with 37 years of industry experience, currently serving at Independent Financial Group, LLC since 2009. She also owns Arizona Tax and Financial Advisors, PLLC, a tax preparation and accounting firm, and acts as trustee for several family trusts. Independent Financial Group, LLC offers investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and institutions. The firm provides financial planning and portfolio management through multiple platforms and employs a model-driven approach combining strategic asset allocation with active and passive investment exposures.

David Ricci is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at Mercer Global Advisors Inc. He previously worked at The Vanguard Group and Fidelity Investments. Mercer Global Advisors provides investment advisory and planning services to individuals, families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm employs a globally diversified investment approach based on Modern Portfolio Theory and offers a range of portfolio management and financial planning solutions.

Brice Willoughby is a financial advisor with Independent Financial Group, LLC in Phoenix, AZ. He holds Series 63 and Series 65 licenses and has 18 years of industry experience. Willoughby has been with Independent Financial Group since 2007 and has been self-employed since 2005. Outside of his advisory role, he is also licensed as an Arizona insurance agent offering various insurance products. Independent Financial Group, LLC provides investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate and pension/profit-sharing plans, and charitable organizations. The firm employs strategic asset allocation and a combination of active and passive management across various investment platforms and risk profiles.

Kenneth Gatliff is a financial advisor at Creative Planning with eight years of industry experience. He holds Series 65 and Series 66 licenses and previously worked at Keystone Wealth Partners and Matson Money, Inc. He is based in Gilbert, AZ. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, institutions, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing, buy-and-hold strategies, and selective private market exposure.

Douglas Rosendahl is a financial advisor with Principal Financial Services, holding a Series 66 designation and over 20 years of industry experience. He has worked at Principal Securities Inc. and Principal Life Insurance Company since 2015. In addition to his advisory role, he serves as a bank/trust officer at Principal Bank and Principal Trust Company, supporting retirement plan account relationships. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and business entities. The firm offers direct advisory programs, financial planning, and access to third-party money manager solutions under various arrangements.

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.

Matthew Sutton is a CFP® professional with eight years of experience in the financial industry. He is currently with Schwab Wealth Advisory, Inc. and has prior experience at Charles Schwab & Co., Robinhood Markets, and Vanguard Group. Before entering the financial sector, he spent over a decade in hospitality and other industries. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm utilizes Charles Schwab’s asset-allocation models and internal research tools to deliver tailored recommendations, while maintaining a structure that involves client authorization for trades and affiliation with registered futures and forex entities.

Ty Tabile is a CFP® and holds a Series 66 designation with four years of industry experience. He currently works at Schwab Wealth Advisory, having previously been employed at The Vanguard Group and Northwestern Mutual. Outside his financial career, he was involved with Tabile LLC, "Cups and Cakes," from 2017 to 2019. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm focuses on guidance around asset allocation and investment selection using proprietary models and conducts at-least-annual reviews tailored to client goals and risk tolerance.

Tracey Knos is a financial advisor with Principal Financial Services, holding Series 63 and Series 66 credentials and 27 years of industry experience. Her prior work includes roles at Charles Schwab and Principal Life Insurance Company. Outside of finance, she owns a photography business, Nora James Photography, which operates on a referral basis. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and businesses. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Sterling Mccarty is a financial advisor at D.A. Davidson & Co. with 43 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Merrill for 35 years before joining D.A. Davidson in 2018. Outside of his advisory work, he serves as a board member for The Catholic Foundation of the Diocese of Colorado Springs, a nonprofit organization managing funds for the diocese. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including employer-sponsored retirement plans, high-net-worth individuals, charitable organizations, and corporate clients. The firm operates under fiduciary standards and offers services such as retirement plan advisory, comprehensive financial planning, and private wealth management for clients with significant assets.

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 licenses and bringing 41 years of industry experience. Her prior experience includes roles at Wells Fargo Advisors Financial Network LLC and RBC Capital Markets. She provides investment advice through her own business, Janet Horowitz LLC, operating under Private Advisor Group. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering a range of portfolio management and financial planning services. The firm employs a fiduciary-based advisory model, utilizing both proprietary and third-party platforms and strategies to meet client goals.

Matthew Langmack is a CFP® professional with seven years of industry experience. He is currently with Schwab Wealth Advisory Inc. and Charles Schwab, where he has worked since 2019. Prior to joining Schwab, he was with Ameriprise Financial Services, Inc., and has held roles at One2One Wealth Strategies, The Boeing Company, and Arizona State University. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using internally developed asset-allocation models and research tools. The firm serves a large client base through standardized investment guidance combined with tailored recommendations aligned to clients’ goals and risk tolerance.

Patrick Ketchoyian is a CFP® with 10 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 & Co., Annexus, Edward Jones, US Trust, J.P. Morgan Securities, and Merrill. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach involves guidance on asset allocation and investment selection using Schwab’s asset-allocation models and research tools, with client authorization required for all trades.

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.

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.

Michael Duke is a financial advisor at Empower Advisory Group with a Series 66 designation and one year of industry experience. Prior to joining Empower, he worked at T-Mobile for ten years. 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 certain retail brokerage account holders. The firm delivers services through an integrated model tied to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.