Muhammad Sobki is a financial advisor at T. Rowe Price Advisory Services, Inc. with 12 years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones & Co., L.P. for 13 years. T. Rowe Price Advisory Services, Inc. offers the Retirement Advisory Service, which provides goals-based financial planning, retirement income planning, and discretionary investment management primarily to individual investors and households. The firm uses model allocations with T. Rowe Price mutual funds and ETFs, employing tax-aware strategies and Monte Carlo simulations for retirement projections.

Jon Coger is a financial advisor with Osaic Institutions, Inc. in Phoenix, AZ, holding a Series 66 designation and 13 years of industry experience. His prior work includes roles at Arizona Federal Credit Union, CUSO Financial Services, Bank of America, Merrill, and other financial firms. Osaic Institutions, Inc. serves individuals, retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm employs a hybrid adviser/broker-dealer structure and offers customized advisory services, financial planning, and access to alternative investments and lending solutions.

Justin Free is a CFP® professional with 15 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory in Phoenix, AZ. His prior roles include positions at Morgan Stanley, Wells Fargo Clearing Services LLC, and Bank of America/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 referred clients. The firm’s guidance is based on Charles Schwab & Co.’s asset-allocation models and research tools, offering tailored recommendations while requiring client authorization for trades.

William Prosser is a financial advisor with Valic Financial Advisors in Phoenix, AZ, holding Series 63 and Series 66 licenses and having six years of industry experience. His prior work includes positions at Usaa from 2013 to 2022 and Agia since 2022. Outside of his advisory role, he is an agent for Agia, involved in non-securities insurance products. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet UMA models to construct client portfolios.

Frank Kirby Jr. is a CFP® with 26 years of industry experience, currently affiliated with United Planners' Financial Services of America as a Limited Partner. His career includes roles at FireSky Financial, Inc., Rogers & Kirby Enterprise, and Agape Insurance Partners. He volunteers to facilitate financial and estate workshops, including sessions based on Dave Ramsey’s Financial Peace University, at Dream City Church in Phoenix, AZ. United Planners Financial Services serves a diverse client base including individuals, corporations, and charitable organizations, offering financial planning, portfolio management, retirement plan services, and brokerage solutions through a network of 477 independent advisors. The firm operates an open-architecture platform with multiple custodians and third-party money managers, with a significant portion of assets managed on a non-discretionary basis.

Travette Keyes is a financial advisor at Empower Advisory Group with Series 63 and Series 66 designations and two years of industry experience. Prior to joining Empower, he held roles at Charles Schwab & Co., Inc. and The Vanguard Group. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail brokerage clients. The firm delivers services through an integrated model tied to Empower’s recordkeeping platforms, focusing on long-term portfolio returns and savings rates in its planning approach.

Charles Pascu is a CFP®-certified financial advisor at Eagle Strategies (NY Life) with 31 years of industry experience. He has been with Eagle Strategies and affiliated entities since 2013. From 2017 to 2018, he was employed at Uber. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to a diverse client base, including individual investors and institutional sponsors. The firm emphasizes tailored recommendations and offers multiple program types, managing the majority of assets on a non-discretionary basis through its integrated relationship with New York Life.

Jonathan Brown is a financial advisor at Empower Advisory Group with securities licenses Series 63 and Series 66 and one year of industry experience. His prior work includes roles at USAA and several other companies before joining Empower. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as Empower Premier IRA and retail brokerage account holders, using an integrated model linked to Empower’s recordkeeping and administrative platforms.

Alison Mcguire is a financial advisor with PNC Wealth Management, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. Her career includes roles at PNC Investments since 2021 and previous positions at BBVA Wealth Solutions Inc., Bbva Securities Inc., Bbva Compass Insurance Agency, Inc., and COMPASS Bank dating back to 2006. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account available by invitation to employees, which uses algorithmic risk assessment and approved investment models managed by PNC or third-party strategists.

David Bonar is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience and holds a Series 66 designation. He has worked at various entities within the Charles Schwab organization since 2015, including Charles Schwab & Co., Inc. and Charles Schwab Bank SBB. 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 utilizes Charles Schwab’s asset-allocation models and internal research tools to offer customized recommendations, while trades require client authorization.

Heather Turner is a financial advisor with PNC Wealth Management, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. Her previous roles include positions at BBVA Securities Inc., BBVA Wealth Solutions Inc., Compass Bank, and BBVA Compass Insurance Agency. She is based in Sun City, Arizona. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account available by invitation to employees. The firm utilizes algorithm-driven risk assessment and manages portfolios using approved model strategies with mutual funds and ETFs.

Jamie Phillips is a Series 66-licensed financial advisor with eight years of industry experience. He has worked at Empower Advisory Group and Empower Financial Services, Inc. since 2022, and previously held roles at Fidelity Brokerage Services LLC, Morgan Stanley, and The Investment Center Inc. Prior to his financial career, he spent six years at Lakeside Fitness Center. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with services for Empower Premier IRA and certain retail brokerage clients. The firm’s integrated approach emphasizes long-term portfolio strategy and client savings rates within a framework tied to Empower’s recordkeeping and administrative platforms.

Andrew Shand is a financial advisor with Empower Advisory Group, holding Series 66 and Series 63 licenses and possessing 11 years of industry experience. His career includes positions at The Vanguard Group and USAA in various financial planning and investment roles. Outside of advising, he is the owner of Synergy Principle, LLC, a consulting business that provides data analysis and support to startup small businesses and individual entrepreneurs. Empower Advisory Group provides financial planning and investment management primarily for employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage account holders. The firm delivers services through an integrated model linked to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and annual rebalancing rather than short-term forecasts.

John Lahman is a financial advisor with GWN Securities Inc. in Waddell, AZ, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with GWN Securities since 2010. Outside of his advisory role, he serves as a volunteer board member for the nonprofit DoingGrief.org and is involved in agricultural management through Lahman Heritage Farm, LLC. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individuals, including high-net-worth clients, and businesses. The firm offers discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios, utilizing a range of traditional and legacy market-timing and momentum-based investment strategies.

Keith Schlottman is a financial advisor at Independent Financial Group, LLC with 26 years of industry experience. He holds Series 63 and Series 65 designations and has been with Independent Financial Group since 2008. In addition to his advisory role, he operates Schlottman CPA's PLC, providing tax preparation and accounting services. He also serves as treasurer for two nonprofit organizations and owns businesses including an electronics engineering firm and a local running club. Independent Financial Group, LLC offers investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth clients, trusts, and retirement plans. The firm utilizes a mix of strategic asset allocation, multi-manager portfolios, and both passive and active investment strategies, with services delivered through multiple platforms and tailored to client risk profiles.

Jonathan Fuimaono is a financial advisor at Farther with eight years of industry experience. He holds a Series 66 designation and has previously worked at JWM-Prospera Financial Services, Edward Jones, and Morgan Stanley. Farther provides discretionary investment management and advisory services primarily to individual investors, trusts, and estates through a web and mobile platform combined with in-person meetings. The firm’s investment approach is based on Modern Portfolio Theory and uses proprietary model portfolios with algorithmic rebalancing, utilizing a mix of ETFs, mutual funds, individual equities, and fixed income.

Justin Stanford is a CFP® with 10 years of experience in the financial services industry. He currently works at United Planners Financial Services of America and previously spent eight years at The Vanguard Group. Outside of advisory work, he has been involved with Stanford Enterprises and operated the Classic Cooking Academy. United Planners Financial Services serves a diverse client base including individuals, corporations, and institutional clients. The firm provides financial planning, portfolio management, retirement plan services, and brokerage solutions through an open-architecture platform supported by multiple custodians and third-party money managers.

Mary Wilcox is a CFP® with 30 years of industry experience, currently serving at J.W. Cole Advisors, Inc. since 2003. She has held roles at Wilcox Tax and Financial Advisors LLC and Jonathan Roberts Financial Group, Inc., among others. Outside of financial advising, she is involved with High Country Alpacas, LLC, where she acts as treasurer and marketing consultant for a business focused on breeding alpacas and selling alpaca fiber products. J.W. Cole Advisors is an SEC-registered firm that serves individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm offers portfolio management, fee-based financial planning, access to third-party managers, and multiple managed account solutions including digital advice platforms.

Austin Fetch is a CFP® with 10 years of industry experience, currently advising at AE Wealth Management, LLC. His prior roles include positions at Charles Schwab and Ameriprise Financial Services, Inc. He also serves as an advisor for Dare To Retire U, where he teaches financial education classes. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base, including individuals, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers model portfolio solutions, discretionary asset management, financial planning, and plan services through a platform that combines multiple model strategies and advisor customization.

Samriti Dhingra is a CFP® professional with 10 years of industry experience, currently serving as an advisor at Moneta Group Investment Advisors, LLC since 2015. Based in Phoenix, AZ, she works within a large enterprise firm known for its partner-led teams and centralized investment resources. Moneta Group Investment Advisors serves high-net-worth individuals, families, trusts, and a variety of institutional clients, offering portfolio management, financial planning, and family office services. The firm emphasizes diversified, multi-asset allocations and supports unique institutional relationships, including sovereign wealth funds and chartered trust services.