Terry Heimes is a Certified Financial Planner® with 31 years of experience, currently affiliated with Commonwealth Financial Network and co-owner of CalmWater Financial Group. He has been with both Commonwealth and CalmWater Financial Group since 2011. He also owns On Time, LLC, a private entity unrelated to investments. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors and manages around $212.7 billion in client assets. The firm offers a range of managed account programs, access to third-party asset managers, and comprehensive back-office services.

Tracy Mc Macken is a CFP® professional with nine years of industry experience, currently serving at Schwab Wealth Advisory, Inc. She previously worked for The Vanguard Group for eight years and has been with Schwab since 2024. 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 advice is based on proprietary asset-allocation models and internal research, with personalized recommendations reviewed at least annually.

Nicholas Scarcelli is a financial advisor with Independent Advisor Alliance, LLC in Phoenix, AZ, holding a Series 66 designation and four years of industry experience. His prior work includes roles at LPL Financial, Equitable Advisors, LLC, and Creative Financial Group. Outside of advisory services, he has administrative responsibilities supporting Independent Advisor Alliance. Independent Advisor Alliance serves a diverse client base including individuals, small businesses, charitable organizations, and retirement plans, offering asset management, financial planning, and retirement plan consulting. The firm uses a network model of independent advisory representatives and leverages a range of portfolio management strategies and technology platforms to deliver its services.

Robert Johnson is a CFP® credentialed financial advisor with 15 years of industry experience. He has worked at Charles Schwab since 2021 and previously spent 10 years with THE Vanguard Group, Inc. He is based in Phoenix, AZ. He is affiliated with Schwab Wealth Advisory, Inc., which provides non-discretionary fiduciary investment advice and financial planning for clients enrolled in the Schwab Wealth Advisory program. The firm’s approach emphasizes asset allocation and investment selection using Charles Schwab & Co.’s internal research and standard models, with recommendations tailored to client goals and risk tolerance.

Philipp Ballmaier is a financial advisor with PNC Wealth Management in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. His prior roles include positions at The Vanguard Group and Charles Schwab. Outside of finance, he is a freelance writer, a habilitation specialist with Arizona Autism, and a YouTube content creator for Timeless Devotionals. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary account for employees that uses algorithm-driven risk assessments and invests primarily in mutual funds and ETFs.

Sean O Neill is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding a Series 66 designation and two years of industry experience. Prior to joining Schwab Wealth Advisory, he worked at SP+ and Mohegan Sun. Schwab Wealth Advisory 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 & Co.-referred clients. The firm’s advice is based on standard asset-allocation models and internal research tools, focusing on client goals and risk tolerance without exercising discretionary trading authority.

William Read is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. He has been with Charles Schwab and its affiliated advisory firm since 2000. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses Charles Schwab’s asset-allocation models and internal research tools to deliver recommendations tailored to individual goals and risk tolerance, with trades executed only upon client authorization.

Alisha Kotranza is a financial advisor at Schwab Wealth Advisory with one year of industry experience. She holds Series 66 and Series 63 licenses and has worked at Charles Schwab & Co., The Vanguard Group, and Wells Fargo. Prior to her financial services career, she worked in hospitality and the coffee industry. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab & Co.’s asset-allocation models and internal research tools to guide investment selection and wealth management.

Alex Wilson is a Certified Financial Planner (CFP®) with 25 years of industry experience. He has worked with Schwab Wealth Advisory Inc. since 2017 and previously held roles at USAA Financial Planning Services and Merrill. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning through the Schwab Wealth Advisory program, serving clients with tailored asset allocation and investment recommendations based on Charles Schwab & Co.’s models and research tools.

Michael Seigal is a financial advisor at Schwab Wealth Advisory with 19 years of industry experience. He holds the Series 66 designation and has worked at Charles Schwab and Co., Inc., Charles Schwab Bank, SSB, and USAA-affiliated firms over his career. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients in the Schwab Wealth Advisory program, utilizing Charles Schwab’s asset allocation models and internal research to tailor recommendations based on individual goals and risk tolerance.

Brandon French is a financial advisor with TIAA-CREF in Phoenix, AZ, holding the Series 66 and Series 63 designations and bringing 10 years of industry experience. His prior roles include positions at Personal Capital Advisors Corporation, Amazon, and Fidelity Brokerage Services LLC. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm offers distinct planning and ongoing management services, including customized portfolios and donor-advised fund advisory, operating within a vertically integrated structure.

Samuel Hawkins is a financial advisor with Sequoia Financial Group, L.L.C., holding a Series 66 designation and seven years of industry experience. His prior work includes roles at Cetera, Renaissance Financial, and Securian Financial Services. Outside of finance, he has experience in the restaurant industry with Fox Restaurant Concepts. Sequoia Financial Advisors, LLC serves a diverse client base including individuals, family offices, corporations, and charitable organizations. The firm offers wealth planning, investment management, and retirement-plan advisory services, using a mix of model and custom portfolios with various investment vehicles overseen by an Investment Policy Committee.

Taylor Sevenants is a CFP® professional with two years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. Prior to joining Schwab, Taylor has experience in diverse roles including positions at Ambli Global Cuisine and Grand Canyon University. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, utilizing asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance.

Anna Sinatra is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 66 licenses and has 26 years of industry experience. She has worked at Charles Schwab and its affiliated entities since 2000. Outside of advising, she is involved in providing in-home care services through a state program supporting individuals with developmental disabilities. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and select referred clients, offering non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s approach is based on Charles Schwab & Co.’s asset-allocation models and internal research tools, with client-specific recommendations and at-least-annual reviews.

Holly Grippe is a financial advisor at Private Advisor Group, LLC with two years of industry experience. She holds a Series 66 designation and has previously worked at LPL Financial and One AZ Wealth Management. Outside of her advisory work, Holly has experience as a business owner of Integrated Electronic Services. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering portfolio management, financial planning, retirement plan consulting, and access to a variety of managed account solutions. The firm employs a fiduciary-based advisory model using multiple investment methods and technology platforms while often implementing advice through third-party managers and TAMPs.

Navreet Bath is a CFP® professional with nine years of industry experience, currently serving as an advisor at Schwab Wealth Advisory Inc. since 2020. Prior to this, Navreet worked at Charles Schwab starting in 2017 and was employed at Harkins Theatres from 2014 to 2017. 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 is based on Charles Schwab & Co.’s asset-allocation models and internal research, offering tailored recommendations with trades executed only upon client authorization.

Victoria De Oliveira is a financial advisor with Schwab Wealth Advisory, holding Series 66 and Series 63 licenses and bringing nine years of industry experience. She has held roles at several firms, including J.P. Morgan Securities LLC and Frost Investment Services, before joining Schwab Wealth Advisory in 2020. Schwab Wealth Advisory 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’s investment approach relies on Charles Schwab’s asset-allocation models and internal research, offering tailored recommendations with annual reviews.

Kayla Begue is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and 10 years of industry experience. She has been with Schwab Wealth Advisory and Charles Schwab since 2015. 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 certain Charles Schwab & Co.-referred clients. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and internal research tools, with recommendations tailored to clients' goals and risk tolerance.

Davis Pearce is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Schwab Wealth Advisory in 2025, he worked at Charles Schwab & Co., Inc. and Carvana LLC. 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 referred clients. The firm’s guidance is based on Schwab’s asset-allocation models and research tools, with client-approved trade execution and regular portfolio reviews.

Joseph Tichenor IV is a CFP® with 22 years of industry experience, currently serving at Cerity Partners LLC since 2023. He previously worked at ARGI Investment Services, LLC for 13 years and National Planning Corporation for 9 years. Outside of his advisory work, he is a partner in Courtside LLC, a group involved in efforts to bring an NBA team to Louisville, and a silent partner in Brewavul LLC (River City Drafthouse). Cerity Partners advises a diverse client base, including high-net-worth individuals, families, institutions, and private funds, managing approximately $166.2 billion in client assets. The firm offers customized wealth management services and employs an investment approach centered on client-specific profiles, integrating proprietary quantitative methods with third-party strategies and direct security selection.