Rick Willoughby is a financial advisor with Independent Financial Group, LLC in Phoenix, AZ. He holds Series 63 and Series 65 licenses and has 27 years of industry experience. He has been associated with Independent Financial Group since 2004 and operates Symphony Financial Services LLC as a marketing DBA for securities, advisory, and insurance services. 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 offers financial planning and portfolio management through various platforms and employs strategic asset allocation, multi-manager portfolios, and ongoing due diligence across active and passive investments.

Benjamin Kieckhafer is a financial advisor with Schwab Wealth Advisory Inc. in Phoenix, AZ, holding Series 63 and Series 66 licenses and 19 years of industry experience. He has been with Charles Schwab since 2007 and has worked specifically with Schwab Wealth Advisory since 2014. Schwab Wealth Advisory, Inc. serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and research tools, with recommendations tailored to clients’ goals and risk tolerance.

Oscar Uribe Cervantes is a financial advisor at Empower Advisory Group with nine years of industry experience. He holds a Series 66 designation and has previously worked at Fidelity Investments, Bank of America, Merrill, and Thornburg Investment Management. 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 integrates its services with Empower’s recordkeeping and administrative platforms and emphasizes long-term portfolio returns, annual rebalancing, and clients’ savings rates.

Kent Thomson is a financial advisor at Mercer Global Advisors Inc. with 11 years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America, Merrill, Morgan Stanley, Fountain, and Mogel. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, and non-profits, offering investment advisory along with financial, tax, retirement, estate planning, and family office services. The firm employs a Modern Portfolio Theory-based approach with globally diversified, risk-appropriate portfolios using low-cost ETFs, index funds, separate account managers, and private funds, complemented by educational content and specialized client programs.

Geoffrey Goldberg is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 65 licenses and two years of industry experience. He has worked at Schwab Wealth Advisory and Charles Schwab & Co., Inc., and has prior experience outside the financial industry. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program. The firm uses Schwab’s proprietary asset allocation models and research tools to offer guidance tailored to client goals and risk tolerance.

Jorge Cardenas is a CFP® professional with 12 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory and has previously worked at firms including Fidelity Investments, JP Morgan Securities, and Bank of America. 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’s approach employs standard asset-allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

Akihiro Kato is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has been with Schwab Wealth Advisory since 2018 and has been affiliated with Charles Schwab since 2015. Outside of his advisory role, he is a co-owner of Savvy Choice LLC, an e-commerce business operated through Fulfillment by Amazon. 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, financial planning, and point-in-time wealth management consultations. The firm’s advice is based on Charles Schwab & Co.’s asset allocation models and research tools, with recommendations tailored to clients’ goals and risk tolerance.

Michael Kinsey is a CFP®-certified financial advisor with Schwab Wealth Advisory, Inc. in Phoenix, Arizona, bringing 29 years of industry experience. He has been with Charles Schwab since 1997 and with Schwab Wealth Advisory since 2012. Schwab Wealth Advisory serves clients enrolled in the SWA program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice and financial planning based on Schwab’s asset-allocation models and research tools. The firm offers at-least-annual reviews tailored to clients’ goals and risk tolerance and typically recommends separately managed accounts managed by third parties or affiliates.

Giovanni Vermont Colosio is a financial advisor with Empower Advisory Group based in Mesa, AZ. He holds Series 63 and Series 65 licenses and has four years of industry experience. His previous roles include positions at Wells Fargo and Farmers Insurance. Outside of his advisory work, he also works as a delivery driver for DoorDash and as a sales associate for T-Mobile, where he assists customers with phone plans and markets credit cards. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage clients. The firm’s integrated approach combines proprietary and third-party methodologies, emphasizing long-term portfolio returns and client savings rates within plan lineups selected by plan sponsors.

Leah Johnson is a CFP® professional with seven years of industry experience, currently serving as a financial advisor at Hornor, Townsend & Kent, LLC. Prior to joining Hornor, Townsend & Kent in 2025, she worked at Eagle Strategies (NY Life) and New York Life Insurance Company. Outside of her advisory role, she provides horseback riding lessons through Apex Riding Academy. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans with a range of advisory programs, financial planning, and retirement plan consulting. The firm operates a combined advisory and broker-dealer platform and offers both discretionary and non-discretionary management, managing billions in client assets.

Miguelito Reyes is a financial advisor at Transamerica Financial Advisors with 12 years of industry experience. He holds the Series 63 and Series 65 designations and has worked with both Transamerica Financial Advisors since 2014 and World Financial Group since 2012. He was also involved with B & L Learning Center LLC from 2011 to 2019. Reyes is engaged in the sale of insurance and non-insurance products affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and corporations. The firm offers both advisory and broker-dealer services through proprietary model portfolios and access to third-party managers, operating as both a registered broker-dealer and a registered investment adviser.

Eric Pyles is a CFP® and ChFC® with 25 years of industry experience. 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, Pyles is involved in multiple insurance brokerage ventures and serves as president of a local football booster club supporting a community educational program. 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, operating both advisory and broker-dealer services with a reported $8.37 billion in discretionary assets under management as of December 2025.

Colin Ruttinger is a financial advisor with AE Wealth Management, LLC in Gilbert, AZ, holding a Series 65 license and five years of industry experience. He has worked at AE Wealth Management since 2021 and concurrently operates Accrue Wealth Designs, where he has been involved in insurance sales and financial advising since 2017. Prior to that, he spent ten years with CMR Insurance Services, LLC. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base, including individuals, corporations, and trusts. The firm emphasizes model portfolio and direct asset management programs, utilizing a range of investment strategies and managing nearly $50 billion in assets across more than 127,000 clients.

Kerry Vandine is a financial advisor at Schwab Wealth Advisory with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and its affiliated firms since 2000. Vandine is based in Phoenix, AZ. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory (SWA) program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and point-in-time wealth management consultations. The firm’s advice follows Charles Schwab & Co.’s asset-allocation models and internal research tools, with recommendations tailored annually to clients’ goals and risk tolerance.

Ma Paula Louise Leido is a financial advisor at Schwab Wealth Advisory with eight years of industry experience. She holds Series 63 and Series 66 licenses. Her prior work includes roles at Amazon.com and Philippine Savings Bank. 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. The firm’s approach emphasizes asset allocation and investment selection using Schwab’s proprietary research tools, with recommendations tailored to individual goals and risk tolerance.

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.

Jay Chang is a financial advisor at Farther with 12 years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Farther in 2025, he worked at Charles Schwab for eight years in various advisory roles. Farther provides discretionary investment management and related advisory services primarily to individual investors, trusts, and estates through a web and mobile platform as well as in-person meetings. The firm’s investment approach is based on Modern Portfolio Theory and uses proprietary model portfolios with algorithmic rebalancing, combining various asset classes and AI tools subject to internal review.

Bryan Chubinsky is a financial advisor at Schwab Wealth Advisory with 13 years of industry experience. He holds Series 63 and Series 66 registrations and has been with Schwab Wealth Advisory since 2015. He also serves in the US Army Reserves, a role he has maintained since 1995. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning for clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab’s asset-allocation models and research tools. The firm offers tailored recommendations without exercising discretionary trading authority, serving clients with a variety of investment options including mutual funds, ETFs, and separately managed accounts.