Lauren Chapman is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ. She holds a Series 66 designation and has been with Schwab since 2026. Lauren's background includes roles at the American Institute for Economic Research and DoorDash, Inc., as well as full-time education and various other positions prior to joining Schwab. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance emphasizes asset allocation and investment selection based on internal research and standard asset-allocation models.

Connor Messman is a CFP®-certified financial advisor with seven years of industry experience, currently with Schwab Wealth Advisory, Inc. He previously worked at Wells Fargo Advisors Financial Network, Morgan Stanley, and The Vanguard Group. Messman holds Series 63 and Series 66 licenses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm emphasizes asset allocation and investment selection guided by internal research and standard models, executing trades only with client authorization.

Charles Martin is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and one year of industry experience. Prior to joining Schwab Wealth Advisory, he worked at Focus Capital Partners Private Wealth and has held various roles outside of finance. 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 certain Charles Schwab & Co.-referred clients. The firm’s advice is based on standard asset-allocation models and internal research, with recommendations tailored to clients’ goals and risk tolerance.

Daniel Elick is a financial advisor with Schwab Wealth Advisory, holding Series 66 and Series 63 licenses and bringing four years of industry experience. He has worked at Schwab Wealth Advisory Inc. since 2024 and has been with Charles Schwab & Co., Inc. since 2021. Prior to that, he spent five years at the State of Indiana - Department of Financial Institutions. 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 follows Charles Schwab & Co.’s asset-allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

Enrique Sanchez Arvizu is a financial advisor with Empower Advisory Group, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at J.P. Morgan Securities, Merrill Lynch, Bank of America, and AXA Advisors. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as retail brokerage clients. The firm’s services integrate with Empower’s recordkeeping and administrative platforms and focus on long-term portfolio returns, annual rebalancing, and clients’ savings rates.

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.

Michael Kornegay is a CFP® professional with nine years of industry experience. He currently works at Schwab Wealth Advisory, Inc. and has held prior roles at Charles Schwab, Fidelity Investments, Robinhood Financial, and Bandera Healthcare. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services for clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm uses Charles Schwab’s asset-allocation models and research tools to deliver tailored investment guidance without exercising discretionary trading authority.

Jacob Copley is a financial advisor with GWN Securities Inc. in Phoenix, AZ, holding a Series 66 designation and six years of industry experience. His prior experience includes roles at Equitable Advisors, AXA Advisors LLC, and a non-financial position with Pure Sushi. GWN Securities provides investment advisory and related services to individual and corporate clients through managed account programs, financial planning, and third‑party manager selection. The firm employs both affiliated and unaffiliated sub‑advisers and utilizes diversified investment strategies including tactical, momentum-based approaches.

Amy Hipple is a CFP® professional with eight years of industry experience, currently serving at Schwab Wealth Advisory, Inc. in Phoenix, AZ. Her prior experience includes roles at Charles Schwab & Co., Inc., TIAA, and University of Denver. 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 to tailor recommendations based on client goals and risk tolerance.

Douglas Famous is a financial advisor with Eagle Strategies (NY Life) based in Phoenix, AZ, holding Series 63 and Series 65 licenses with 15 years of industry experience. He has worked with Eagle Strategies since 2013 and operates his own firm, Famous Financial and Insurance Solutions, LLC, where he brokers non-registered insurance products. Eagle Strategies serves a broad range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types and emphasizes tailored recommendations, with most assets managed on a non-discretionary basis.

John Garrison is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has been with Charles Schwab since 2014 and joined Schwab Wealth Advisory in 2026. Based in Phoenix, AZ, his career has focused on serving clients through Schwab’s advisory platform. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses proprietary asset allocation models and internal research tools to offer personalized recommendations without exercising discretionary trading authority.

Jennifer Jenson is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 licenses and having 23 years of industry experience. She has been with Transamerica Investors Securities Corporation and Transamerica Retirement Solutions since 2016. Outside of her advisory work, she is an independent sales consultant for Norwex, a company focused on reducing chemicals in the home environment. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs that emphasize asset allocation, contribution guidance, and retirement planning. The firm utilizes Morningstar Investment Management’s proprietary software and model portfolios for personalized advice and operates a large-scale advisory platform with over 300 advisors.

Chitra Madanmohan is a CFP® with 10 years of industry experience, currently serving at Schwab Wealth Advisory, Inc. She previously worked at Vanguard Advisers and The Vanguard Group, Inc. Madanmohan also acts as an agent for her spouse in investment matters. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in its program or referred by Charles Schwab & Co. The firm’s guidance is based on Schwab’s proprietary asset-allocation models and research tools, delivering tailored recommendations without exercising discretionary trading authority.

Ryan Alexandre is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses, and has three years of industry experience. He has been with Schwab Wealth Advisory since 2026 and has worked at Charles Schwab & Co., Inc. since 2023. 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, with a focus on tailored recommendations and client authorization for trades.

Derek Taddei is a financial advisor at Focus Partners Wealth, LLC with four years of industry experience. He holds the Series 65 designation and has worked previously at The Colony Group, LLC, HoyleCohen, and Stellar Capital Management, LLC. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients with comprehensive wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach that combines active and passive strategies within an enhanced open architecture framework.

Scott Mac Donald is a CFP® professional with over 21 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory, Inc. He has been with Charles Schwab & Co., Inc. since 2010 and joined Schwab Wealth Advisory in 2026. Mac Donald holds Series 63 and Series 66 licenses and is based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance emphasizes asset allocation and investment selection using Schwab’s proprietary research tools and standard models, with tailored client reviews at least annually.

Myer Rickless is a financial advisor with Empower Advisory Group in Phoenix, AZ, holding a Series 66 designation and 14 years of industry experience. His career includes roles at Morgan Stanley and Alliance Global Partners prior to joining Empower in 2024. He also had a brief association with the University of Arizona in 2023. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, emphasizing long-term portfolio returns and annual rebalancing within an integrated service model linked to Empower’s administrative platforms.

Erin Boch is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 credentials and three years of industry experience. Prior to joining Schwab Wealth Advisory, she worked at Charles Schwab & Co., Inc. and has additional experience with Tucson Robin Hood Inc. Outside of her advisory role, she has ownership and management responsibilities for a rental property. 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 each client’s goals and risk tolerance.

Tara Smith is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. She has worked at firms including Charles Schwab and Fidelity, and has been with Schwab Wealth Advisory since 2013. Outside of advising, she serves as an adjunct faculty member at Paradise Valley Community College, teaches fitness classes, works as a consultant for Young Living Essential Oils, and is an author writing about the adoption process. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program. The firm’s approach uses Charles Schwab & Co.’s asset-allocation models and internal research tools, delivering tailored recommendations with client authorization required for trades.

Steven Molinario is a financial advisor with Schwab Wealth Advisory Inc. in Phoenix, AZ. He holds Series 63 and Series 65 licenses and has 13 years of industry experience, including prior work at Cetera Advisors LLC. He has been with Charles Schwab and Schwab Wealth Advisory since 2022. 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 Schwab’s asset-allocation models and internal research, with recommendations tailored to client goals and risk tolerance.