Soren Van Houten is a CFP® professional with five years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior experience includes roles at The Vanguard Group and self-employment in e-commerce, where he sells clothing online through platforms like Mercari and eBay. He is based in Phoenix, AZ. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using standard asset allocation models and Schwab research tools to support investment recommendations. The firm operates within the Schwab ecosystem and focuses on annual account reviews without discretionary trading authority.

Eric Mcdowell is a financial advisor at TIAA-CREF with 15 years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. Mcdowell is an owner of a long-term rental property in Scottsdale, Arizona. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and managed account programs for individuals, trusts, estates, and small retirement plans, often serving clients with existing TIAA-administered employer retirement plan relationships. The firm provides discretionary portfolio management through model and customized portfolios while acting as adviser to a donor-advised fund.

Hannah Krumreich is a CFP® professional with 11 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory. She has prior experience with JP Morgan Securities LLC and Fidelity Brokerage Services LLC. Her career includes various roles within Charles Schwab entities dating back to 2018. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, serving clients with investment recommendations and annual financial reviews using Charles Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

Elizabeth Duran is a financial advisor at Schwab Wealth Advisory with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has previous roles at Wells Fargo Bank, Bank of America, and Merrill. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, focusing on financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not provide discretionary portfolio management.

Mubera Madar is a CFP® professional with 26 years of industry experience, currently serving at Schwab Wealth Advisory since 2022. She has been associated with Charles Schwab in various capacities since 2000. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab’s asset allocation models and research tools, with an emphasis on client-directed final trading decisions.

Jacob Guttman is a financial advisor with CWM, LLC based in Phoenix, AZ. He holds Series 63 and Series 65 licenses and has nine years of industry experience. His prior roles include positions at Rosevest Financial, Geneos Wealth Management Inc, and United Planners. Outside of advisory work, he manages several business ventures including JAG Ventures LLC, Guttman Tax Advisory Group LLC, and Guttman Financial Group. CWM, LLC is an SEC-registered investment adviser serving a diverse client base that includes individuals, high-net-worth families, foundations, and institutional clients through a network of more than 600 advisors. The firm offers portfolio management, financial planning, and retirement-plan services, utilizing an investment approach that combines fundamental and technical analysis, third-party sub-advisors, and customization tools.

Chadi Mneiny is a CFP® with nine years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. He previously worked for The Vanguard Group, Inc. for over eight years before joining Charles Schwab & Co., Inc. and Schwab Wealth Advisory in 2026. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice primarily to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools to support client-directed investment decisions. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, distinguishing its service model from many other wealth managers.

Tod Ross is a financial advisor with Principal Financial Services in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. His prior roles include positions at Equitable Advisors, Allstate Financial Services, PFS Investments, and Primerica Financial Services. He is also registered as a representative for fixed insurance products such as life, disability, annuities, and long-term care. Principal Securities provides brokerage and registered investment advisory services to a wide range of clients, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers financial planning, retirement plan consulting, and access to third-party money manager solutions, utilizing both adviser and promoter arrangements to support client investment management.

James Hebets II is a financial advisor with Kestra Advisory in Phoenix, AZ, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has been with Kestra Advisory since 2016 and Kestra Investment Services, LLC since 2012. Outside of advisory work, Hebets serves on multiple nonprofit boards including Future For Kids, Honor Health Foundation, and Finseca Foundation, and he is the owner and CEO of Life Masters Classes, a lead generation and education content business. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base, including institutional and individual investors. The firm offers fiduciary consulting, plan design, employee education, and access to multiple management platforms, serving large clients such as sovereign wealth funds and pooled employer plans.

Hunter Giboney is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. His prior experience includes roles at Charles Schwab, Charles Schwab Bank, Ameriprise Financial Services, Zeiders Enterprises, and AllState Insurance Company. He holds Series 63 and Series 66 registrations. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice through standardized asset allocation models while leaving final trading decisions to clients.

Rylee Good is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and based in Phoenix, AZ. Good has one year of industry experience and previously worked in the food service industry before entering financial services. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering services such as financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates internally within the Schwab ecosystem and does not charge clients directly for its services.

Robert Zinn is a financial advisor with Transamerica Retirement Advisors, LLC in Goodyear, AZ, holding Series 63 and Series 65 licenses and seven years of industry experience. His prior roles include positions at The Vanguard Group, Mass Mutual, and Mutual of Omaha. Transamerica Retirement Advisors serves employer-sponsored retirement plan participants and IRA owners through managed advice programs and investment education services, employing proprietary tools from Morningstar Investment Management for portfolio construction and oversight. The firm operates at scale with over 200,000 clients and focuses on non-discretionary asset management rather than high-net-worth or standalone financial planning.

Jennifer Senft is a financial advisor at TIAA-CREF with 20 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, Vanguard Advisers, Inc., and operated her own advisory business. Senft’s experience also includes a role with Overstock Voice. TIAA-CREF Individual & Institutional Services provides financial planning and managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected through TIAA-administered employer retirement plans. The firm offers discretionary management with varying portfolio customization and acts as adviser to a donor-advised fund sponsored by Charityvest.

Chad Sager is a financial advisor at Schwab Wealth Advisory with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and its affiliated entities since 2013. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses standard asset allocation models and Schwab research tools to recommend investments, with clients making final trading decisions, and conducts at least annual account reviews without exercising discretionary trading authority.

Robert Carnegie III is a CFP® professional at Focus Partners Wealth, LLC with three years of industry experience. His prior roles include positions at The Colony Group, LLC, HoyleCohen, LLC, Huntington Bank, and BNY Mellon. Focus Partners Wealth serves individuals, high-net-worth families, family offices, and institutional clients with wealth management, financial planning, and advisory services. The firm utilizes a long-term, tax- and fee-sensitive investment approach combining active and passive strategies within an enhanced open architecture framework.

Heidi Jones is a Series 66-licensed financial advisor with Schwab Wealth Advisory, based in Phoenix, AZ, and has one year of industry experience. Prior to joining Schwab Wealth Advisory in 2026, she worked at Charles Schwab & Co., Inc. starting in 2024 and has experience in the travel and food industries. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering investment recommendations across various asset classes and conducting annual financial reviews while allowing clients to make final trading decisions.

Darija Hanson is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and 14 years of industry experience. She has been with Charles Schwab in various capacities since 2010, including roles at Charles Schwab Bank and Schwab Wealth Advisory. Based in Phoenix, AZ, Hanson has worked within the Schwab ecosystem for the majority of her career. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as financial reviews, retirement planning, and investment recommendations. The firm uses Schwab’s asset allocation models and research tools, with advisors recommending investments while clients make final trading decisions.

Carly Meadows is a financial advisor with TIAA-CREF in Phoenix, AZ, holding a Series 66 designation and seven years of industry experience. Her prior experience includes roles at Robinhood Financial, Merrill, Bank of America, and Charles Schwab. TIAA-CREF Individual & Institutional Services provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and small retirement plans, often serving clients with pre-existing relationships through TIAA-administered employer retirement plans. The firm offers both point-in-time planning services and ongoing portfolio management under fiduciary standards.

Jacob Biliack is a CFP® with nine years of industry experience, currently serving at Focus Partners Wealth, LLC. He has held roles at The Colony Group, LLC, HoyleCohen, LLC, and WT Wealth Management, LLC. Outside of advisory work, he is involved in managing a small number of short-term rental properties. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients with wealth management, financial and tax planning, and retirement plan consulting. The firm employs a long-term investment approach combining active and passive strategies within an enhanced open architecture framework.

Shanna Grech is a financial advisor at Schwab Wealth Advisory with 12 years of industry experience. She holds the Series 65 and Series 63 licenses and has worked at Charles Schwab, USAA Financial Services, and Juice Plus. Outside of her advisory role, she is involved in managing a rental property in Glendale, Arizona. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations based on Charles Schwab’s research tools and asset allocation models.