Stephen Harnden is a CFP®-designated financial advisor with Ameriprise, based in Glendale, AZ, and has 38 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of his advisory work, he owns a property intended to house his financial planning practice. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research and modeling techniques to deliver tailored, non-discretionary recommendations. As a large institutional firm, Ameriprise offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Clark Gilliland is a financial advisor with Merrill in Phoenix, AZ, holding Series 66 and Series 63 licenses and four years of industry experience. He previously worked at JP Morgan Chase Bank and Wells Fargo. Outside of his advisory roles, he has been involved with Arion Care Solutions and Not My First Rodeo, indicating experience with entrepreneurial and care service ventures. Merrill provides managed account services through its Select Portfolio Solutions Program, offering model‑based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm integrates strategic asset allocation and tax-aware options within its portfolio implementation.

Jeffrey Williams is a financial advisor at Merrill with 12 years of industry experience. He holds a Series 66 designation and has been with Merrill and its affiliate Bank of America, N.A. since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

William Freeman is a financial advisor with Edward Jones in Sun City, AZ, holding Series 65 and Series 63 licenses and possessing 28 years of industry experience. He has been with Edward D. Jones & Co., L.P. since 1998. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions. The firm manages approximately $1.01 trillion in assets and is notable for its extensive network of financial advisors and branch offices as well as its affiliated services.

Gale Northrop is a financial advisor at Fidelity with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Fidelity and TD Ameritrade. Outside of his advisory role, he is a partner at Sweet But Fearless, an education and mentorship organization focused on women, where he contributes to strategy, training, and podcasting. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, AI-driven research, and its advisory role to multiple registered investment companies and fund-of-funds.

Gigi Schneppat is a financial advisor with Cetera, holding a Series 66 designation and 16 years of industry experience. She previously worked at Commonwealth Financial Network and Professional Wealth Strategies for 15 years. Schneppat is also the owner of Diamonds and Platinum, an S corporation used for tax reporting purposes. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large nationwide network of independent advisors.

Brian Polk is a financial advisor at Edward Jones in Buckeye, AZ, holding a Series 66 designation with seven years of industry experience. He has worked at Edward Jones since 2018 and previously spent twelve years at JW Marriott at Desert Ridge. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of advisors and branch offices.

Joshua Watson is a financial advisor at J.P. Morgan Securities in Surprise, AZ, holding Series 63 and Series 66 credentials with 16 years of industry experience. His prior work includes roles at Wells Fargo Clearing and Ameriprise Financial Services, Inc. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2023. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process relies on centralized due diligence combining quantitative screening and qualitative research to build model asset allocations, focusing on written asset allocation advice, manager searches, and customized performance reporting.

Marcus Luckeneder is a financial advisor with LPL Financial, holding a Series 66 designation and 14 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for eight years and Equitable Advisors for three years. Outside of his advisory role, he is involved in product design and manufacturing through a non-investment-related business activity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, asset management programs, and institutional platforms, combining a broad advisory network with extensive non-advisory financial services.

Serge Lazar is a Planning Consultant at Fidelity Investments, where he has been employed since 2021. In his role, he assists clients with various financial needs by evaluating their current financial status, understanding their goals, creating investment plans aligned with those goals, and educating clients on Fidelity's principles of investing. Serge's professional experience centers around financial planning and client education within the investment sector. Outside of his professional work, he has personal interests that include camping, cooking and baking, movies, reading, soccer, and traveling.

Ryan Furuta is a financial advisor at Fidelity with 26 years of industry experience. He holds Series 63 and Series 66 registrations and has worked at Fidelity Investments and its affiliated entities since 2000. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to a wide range of clients, including retail and institutional investors. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including model portfolios built from mutual funds, ETFs, and ETPs.

Clifford Shnier is a financial advisor with Cetera, holding a Series 66 designation and 11 years of industry experience. He has worked at Cetera and its affiliated entities since 2019 and previously at Voya Financial Advisors. Outside of advising, he is involved with Meridian Special Needs Planning and Meridian Estate Services LLC, which focus on financial planning for special needs and legal document preparation, respectively. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, retirement plans, and institutional accounts. The firm offers multiple portfolio management options and financial planning services through a nationwide network of independent advisors.

Keith Osborne is a financial advisor at LPL Financial with 17 years of industry experience. He holds the Series 66 designation and has previously worked at Edward Jones, Nova R Wealth, Inc., and Wells Fargo Clearing. Osborne is also involved with KLO Companies LLC, a business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management services, utilizing model portfolios, third-party subadvisors, and technology-supported advisory tools.

David Coltom is a CFP® with 40 years of industry experience, currently serving at Thrivent Investment Management since 2004. He holds Series 63 and Series 65 registrations and is based in Surprise, Arizona. Coltom has a long tenure at Thrivent Financial for Lutherans and Thrivent Investment Management, Inc. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning and allows clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan,” while keeping the services separate.

Bruce Wall Jr. is a CFP®-credentialed financial advisor with Edward Jones, based in Goodyear, AZ, where he has worked since 2014. He has 12 years of industry experience. Outside of his advisory role, he co-owns a second home in Michigan. Edward Jones is a full-service wealth management firm serving more than four million clients, including individual, institutional, and charitable organizations. The firm offers a range of advisory programs and investment strategies, supported by a large national network of financial advisors and branch offices.

Brian Jeffries is a financial advisor with Wells Fargo Clearing in Peoria, AZ, holding a Series 66 designation and bringing 26 years of industry experience. His prior roles include positions at Morgan Stanley and related entities from 2002 to 2012. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm employs a range of research and analytics in its investment approach and offers both brokerage and advisory solutions across a large network of advisors.

Ryan Fischer is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at Cetera. His prior roles include positions at Avantax Investment Services and USAA Financial Planning Services. Outside of his advisory work, Fischer is president of RPF Capital, LLC, which provides guidance on health insurance options for individuals and small groups. Cetera Investment Advisers LLC is a national SEC-registered firm that serves a diverse client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with flexible portfolio management and a broad range of investment strategies administered under various program structures.

Grant Autrey is a financial advisor at Edward Jones in Phoenix, AZ, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he operated Autrey LLC and worked at Restoration Builders, Inc. He is also listed as the statutory agent for Thuy Ceramics LLC, a pottery business. Edward Jones is a full-service wealth management firm serving a broad client base, including individual households, pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory programs and maintains a large network of advisors and branch offices nationwide.

Tracy Milanese is a CFP® and Series 66 licensed financial advisor with Edward Jones in Phoenix, AZ, where she has worked for 12 years. She serves on the board at Madison Rose Lane Elementary in Phoenix. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, incorporating discretionary and non-discretionary strategies, and is notable for its large retail advisor network and affiliated financial capabilities.

Donald Magdon Jr. is a CFP® credentialed financial advisor with 38 years of industry experience, currently associated with LPL Financial since 2024. He previously worked at Lincoln Financial Advisors Corporation for nine years and Principal Financial Services for six years. Magdon also engages in fixed insurance sales as an agent. LPL Financial is a national broker‑dealer and SEC‑registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and access to third-party asset managers, supported by extensive technology tools and a broad non-advisory financial services platform.