Marvin Rosales is a financial advisor with PNC Wealth Management in Peoria, AZ, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at Fidelity Investments, Edward Jones, U.S. Bank, Amazon, Bank of America, and Merrill. 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 assessments and approved model strategies managed or delegated to third parties, focusing on mutual funds and ETFs with annual rebalancing.

Ken Ihori is a financial advisor at Centaurus Financial, Inc. in Glendale, AZ, holding Series 63, 65, and 66 credentials with 30 years of industry experience. He has been with Centaurus Financial since 2011. Outside of advising, Ihori is involved in fixed life insurance sales, business consulting related to marketing and sales training, and occasional modeling for print ads, television, and video. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management through its CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services, employing a range of investment analysis techniques and both discretionary and non-discretionary management arrangements.

Malia Sperling is a financial advisor with Eagle Strategies (NY Life) based in Phoenix, AZ, holding Series 63 and Series 65 licenses with six years of industry experience. She has worked with New York Life Insurance Co. and Nylife Securities LLC since 2020 and is also the owner of SPX Productions LLC, a video marketing and advertising company where she serves as a board member. Additionally, she is the author of a book titled "This is Joy: A Path to Finding Joy, Gratitude and the Present." Eagle Strategies serves a diverse client base, including individuals and institutions, providing financial planning, investment management, and retirement plan advisory services. The firm emphasizes tailored solutions delivered through multiple program types and manages the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Tatiana Brownell is a financial advisor at Schwab Wealth Advisory with 18 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Charles Schwab & Co., Inc. since 2008, joining Schwab Wealth Advisory in 2016. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients in the Schwab Wealth Advisory program and certain referrals. The firm uses Charles Schwab’s asset-allocation models and research tools to guide investment selection, with client authorization required for all trades.

Ernest Giltner is a CFP® professional with nine years of experience in the financial industry, currently serving as an advisor at Schwab Wealth Advisory Inc. in Phoenix, AZ. He has been with Schwab Wealth Advisory since 2018 and with Charles Schwab & Co., Inc. since 2017. 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 referred clients. The firm relies on Charles Schwab & Co.’s asset-allocation models and internal research tools to deliver tailored recommendations, with a focus on at-least-annual reviews and client-authorized transactions.

Gilberto Cuen is a CFP®-certified financial advisor with Schwab Wealth Advisory, Inc., bringing 11 years of industry experience. He has been with Schwab Wealth Advisory since 2019 and has worked with Charles Schwab in various capacities since 2014. Outside of his advisory role, he is involved in buying, renovating, and selling homes. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice and financial planning. The firm’s guidance is based on Schwab’s asset-allocation models and internal research tools, offering tailored recommendations reviewed at least annually.

Joseph Estrella is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. Prior to joining Schwab Wealth Advisory in 2022, he worked at Protein Lab and held positions at Chick Fil A and Burlington. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab & Co.’s asset-allocation models and internal research tools. The firm emphasizes client-tailored recommendations and operates without discretionary trading authority, supporting a range of investment options including mutual funds, ETFs, and separately managed accounts.

Jaime Olivas is a CFP® professional with seven years of industry experience, currently affiliated with Schwab Wealth Advisory. Prior to joining Schwab in 2025, he worked at Bank of America, Merrill, Edward Jones, Tfcu, and First Convenience Bank. Outside of his advisory role, he is involved with a property management company related to a rental property. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab–referred clients. The firm’s guidance is based on standardized asset-allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

Dennis Caufield is affiliated with Centaurus Financial, Inc. and holds Series 63 and Series 65 licenses. He has been with Centaurus Financial since 2025 and also operates the Law Office of Dennis Caufield, LLC, an estate planning and administration law firm he established in 2009. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse range of clients, including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management, and retirement-plan consulting through both discretionary and non-discretionary arrangements.

Daniel Martin is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory since 2017. He has been affiliated with Charles Schwab & Co., Inc. since 2014. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and internal research tools, with client authorization required for trades and a focus on personalized recommendations aligned with each client’s goals and risk tolerance.

Treva Ziemba is a CFP® professional with 29 years of industry experience, currently serving at Schwab Wealth Advisory. Her career includes roles at Charles Schwab & Co., Schwab Wealth Advisory Inc., Kohl's, and Vanguard Advisers. She holds leadership positions outside of her advisory work, including president of the Scottsdale Vista North Homeowner Association and secretary of the Desert Mountain Boosters, a nonprofit charitable organization. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and select referrals. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and research tools, with client-directed execution and periodic reviews tailored to individual goals and risk tolerance.

Daniel Lindblad is a financial advisor with Eagle Strategies (NY Life) based in Sun City, AZ, holding Series 63 and Series 65 licenses and with 33 years of industry experience. He has held roles at several firms including Mahoney Financial Organization, Lindblad Commercial, Lindblad Financial Group, Nylife Securities Inc., and New York Life Insurance Company. Outside of his advisory work, Lindblad serves as a board member for Jesus Church in Phoenix, AZ. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to a diverse client base including individuals, institutional investors, and corporate clients. The firm emphasizes tailored recommendations and offers multiple program types, managing most of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Austin Schattenberg is a Series 66 licensed financial advisor with three years of industry experience. He is currently with Principal Financial Services and Principal Life Insurance Company, having previously worked at Edward Jones and Target. Outside of his advisory work, he has experience in business operations with Bongiorno Bagels. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty military personnel stationed abroad. The firm's advisory services include financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Raguel Shaw is a financial advisor with United Planners Financial Services of America and holds Series 63 and Series 65 licenses. He has one year of industry experience, including a prior role at The Vanguard Group. Outside of his advisory work, Shaw is involved in real estate sales and property management through his own business, Raguel Shaw Real Estate/TCT Real Estate. United Planners Financial Services serves a diverse client base, including individuals, corporations, charitable organizations, and institutional clients. The firm operates an open-architecture platform offering financial planning, portfolio management, retirement plan services, and brokerage solutions through a network of 477 independent advisors.

Brad Baker is a Certified Financial Planner (CFP®) with 36 years of industry experience. He has worked at Kestra Advisory Services LLC and Kestra Investment Services LLC since 2021, following prior roles at PNC Investments and BBVA-affiliated firms. In addition to his advisory work, he operates a tax and accounting practice handling fewer than 30 tax returns annually. Kestra Advisory Services provides investment advisory and retirement plan consulting to a diverse client base, including institutional investors and plan sponsors. The firm offers fiduciary services, plan design, and benchmarking, supporting investments through due diligence and multiple management platforms.

Leslie Vipond is a financial advisor at Schwab Wealth Advisory with 28 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Schwab Wealth Advisory since 2012, also working at Charles Schwab since 2010. 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 offers guidance on asset allocation and investment selection based on Schwab’s proprietary models and conducts at-least-annual portfolio reviews tailored to clients’ goals and risk tolerance.

Michael Eriquez is a financial advisor with Creative Planning in Phoenix, AZ, holding Series 63 and Series 65 licenses and four years of industry experience. His prior roles include positions at SageView Advisory Group, Equitable Advisors, and Fullerton Financial Planning. Outside of finance, he has worked in education at Phoenix Christian Preparatory School and has experience in small business operations including Java Grounds and A2Z Cabinets and Floors. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to individuals, pension plans, trusts, and corporations. The firm employs a financial-planning-led investment approach emphasizing low-cost indexing, buy-and-hold strategies, and incorporates private market investments, serving a broad client base with over $295 billion in assets under management.

Jacob Howard is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab & Co., Inc. since 2019. Prior to his current role, he spent a year at Grand Canyon University. 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-referred clients. The firm emphasizes asset allocation guidance based on Schwab’s internal research and uses a model-driven approach with personalized recommendations and at-least-annual reviews.

Ammiel Banayat is a CFP® professional with 10 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. He has worked with Schwab Wealth Advisory since 2019 and concurrently serves as a Captain and Company Commander in the Arizona Army National Guard, focusing on explosive ordnance disposal operations. Schwab Wealth Advisory 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, utilizing asset allocation models and internal research tools to deliver personalized recommendations without discretionary trading authority.

David Finger is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and one year of industry experience. He has been with Schwab Wealth Advisory since 2026 and has prior experience at Charles Schwab & Co., Inc. and Right Start Mortgage, Inc. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services primarily to clients in the Schwab Wealth Advisory program and certain clients referred by Charles Schwab & Co., focusing on asset allocation and investment selection tailored to individual goals and risk tolerance. The firm uses proprietary asset-allocation models and research tools while trades require client authorization.