Brandon Lopez is a financial advisor at First Citizens Investor Services, Inc. based in Phoenix, AZ. He holds Series 63 and Series 66 licenses and has eight years of industry experience. His prior work includes over a decade at Wells Fargo institutions, including Wells Fargo Clearing and Wells Fargo Bank. First Citizens Investor Services, Inc. serves individuals—including high-net-worth clients—pension and profit-sharing plans, charitable organizations, and corporate/business entities. The firm offers a range of advisory and brokerage services, including portfolio management, model portfolios, financial planning, and tax-aware services, with a client process emphasizing tailored assessments and diversified asset allocation.

Kaden Creager is a financial advisor at Hornor, Townsend & Kent, LLC with three years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Penn Mutual Life Insurance Company and the Department of Interior AZ Strip District. 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 both advisory and broker-dealer services, providing a broad range of custody, execution, and brokerage capabilities alongside investment advice.

Dominick Chavez is a financial advisor with Schwab Wealth Advisory, holding Series 66 and Series 63 licenses and possessing 10 years of industry experience. He has been with Charles Schwab & Co., Inc. since 2016 and with Schwab Wealth Advisory, Inc. since 2020. 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 uses Charles Schwab & Co.’s asset-allocation models and internal research tools to tailor investment recommendations, with a focus on mutual funds, ETFs, separately managed accounts, and alternative investments.

Haziq Basharat is a CFA® charterholder and holds a Series 66 license with seven years of industry experience. He is currently with Schwab Wealth Advisory in Phoenix, AZ, and previously worked at Edward Jones and Edward Jones Trust Company. Schwab Wealth Advisory 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 advice is guided by Charles Schwab & Co.’s asset-allocation models and research tools, offering tailored recommendations reviewed at least annually.

James Collier is a CFP® with 23 years of industry experience, currently serving at Empower Advisory Group since 2026. His prior roles include positions at Schwab Private Client Investment Advisory, Inc. and Charles Schwab, where he worked for a combined 14 years. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and their participants, delivering integrated solutions tied to Empower’s administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.

Nikola Stojanovic is a CFP® and CFA® credentialed advisor with 11 years of industry experience. He has been with Schwab Wealth Advisory since 2017 and affiliated with Charles Schwab since 2014, working out of Phoenix, AZ. 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 uses standard asset-allocation models and internal research tools to guide investment selection, with trades executed only upon client authorization.

Timothy Anthony is a CFP® with nine years of industry experience, currently serving as an advisor at Schwab Wealth Advisory. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley, Bank of America, Merrill, and Charles Schwab & Co. He has experience working in both wealth management and financial services firms. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and related referrals. The firm utilizes asset-allocation models and internal research tools to tailor investment recommendations to client goals and risk tolerance, with trades executed only upon client authorization.

Jason Rucker is a CFP® professional with 29 years of experience in the financial services industry. 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, he serves as a bishop for a local congregation of The Church of Jesus Christ of Latter-day Saints, overseeing various spiritual, physical, and financial needs. 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, with a dual registration as both an SEC-registered adviser and FINRA-member broker-dealer, supporting a broad range of investment and brokerage services.

Jacob Ries is a financial advisor at Kestra Advisory Services with three years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley for four years. Ries is also the founder and CEO of JR Ecommerce LLC, an online store he has operated since 2020. Kestra Advisory Services provides investment advisory and retirement plan consulting to a diverse range of institutional and individual clients. The firm offers services including plan design, fiduciary consulting, employee education, and access to multiple management platforms, serving large institutional investors including sovereign wealth funds.

Jamie Moultane is a financial advisor at Empower Advisory Group with 17 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Merrill for 15 years before joining Empower in 2025. 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’s integrated model ties financial planning and managed account solutions to Empower’s recordkeeping and administrative platforms.

Samuel Udall is an investment advisor with Kestra Advisory Services, LLC, holding Series 63 and Series 65 licenses and two years of industry experience. He has worked with Commonwealth Financial Network and owns Udall Financial, LLC. Outside of his advisory role, he is involved in managing insurance business activities alongside a family member. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a wide range of institutional and individual clients. The firm offers services including fiduciary consulting, plan design, and due diligence-supported investment advice, serving clients such as large institutional investors and sovereign wealth funds.

Susan Bishara is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding a Series 66 designation and 16 years of industry experience. Her prior work includes roles at HSBC Bank USA, N.A., HSBC Securities (USA) Inc., and Equitable Advisors. She has been with Charles Schwab & Co. and Schwab Wealth Advisory since 2020. 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 wealth management consultations. The firm’s advice is based on Schwab’s asset-allocation models and internal research tools, with recommendations tailored to clients’ goals and risk tolerance.

Nathan Hesman is a CFP® professional with 15 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. He has worked within the Charles Schwab organization since 2011, including roles at Charles Schwab Bank and Schwab Wealth Advisory. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain CS&Co.-referred clients, utilizing Schwab’s asset-allocation models and research tools to tailor recommendations based on client goals and risk tolerance.

Steven Fox is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Schwab Wealth Advisory since 2012 and has worked at Charles Schwab since 2000. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on proprietary asset-allocation models and research tools, with an emphasis on client-specific goals and risk tolerance.

Christel Covert is a CFP® professional with 37 years of industry experience, currently serving at Independent Financial Group, LLC since 2009. She also owns Arizona Tax and Financial Advisors, PLLC, a tax preparation and accounting firm, and acts as trustee for several family trusts. Independent Financial Group, LLC offers investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and institutions. The firm provides financial planning and portfolio management through multiple platforms and employs a model-driven approach combining strategic asset allocation with active and passive investment exposures.

David Ricci is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at Mercer Global Advisors Inc. He previously worked at The Vanguard Group and Fidelity Investments. Mercer Global Advisors provides investment advisory and planning services to individuals, families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm employs a globally diversified investment approach based on Modern Portfolio Theory and offers a range of portfolio management and financial planning solutions.

Brice Willoughby is a financial advisor with Independent Financial Group, LLC in Phoenix, AZ. He holds Series 63 and Series 65 licenses and has 18 years of industry experience. Willoughby has been with Independent Financial Group since 2007 and has been self-employed since 2005. Outside of his advisory role, he is also licensed as an Arizona insurance agent offering various insurance products. 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 employs strategic asset allocation and a combination of active and passive management across various investment platforms and risk profiles.

Kenneth Gatliff is a financial advisor at Creative Planning with eight years of industry experience. He holds Series 65 and Series 66 licenses and previously worked at Keystone Wealth Partners and Matson Money, Inc. He is based in Gilbert, AZ. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, institutions, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing, buy-and-hold strategies, and selective private market exposure.

Douglas Rosendahl is a financial advisor with Principal Financial Services, holding a Series 66 designation and over 20 years of industry experience. He has worked at Principal Securities Inc. and Principal Life Insurance Company since 2015. In addition to his advisory role, he serves as a bank/trust officer at Principal Bank and Principal Trust Company, supporting retirement plan account relationships. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and business entities. The firm offers direct advisory programs, financial planning, and access to third-party money manager solutions under various arrangements.

Gary Alt is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Creative Planning since 2025. Prior to this, he worked for 14 years at Monterey Private Wealth, Inc. Outside of his advisory role, he is involved in property management for both residential and commercial real estate through ownership interests. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm employs a financial planning–led investment process focused on low-cost indexing and buy-and-hold strategies, supported by a large advisory team and a range of affiliated non-investment businesses such as a law firm, trust company, and retirement plan recordkeeping services.