Larry Singleton is a financial advisor at Kestra Advisory with a Series 66 designation and three years of industry experience. His prior work includes roles at Morgan Stanley, Bank of America, Merrill, and service in the U.S. Navy. Kestra Advisory provides investment advisory and retirement-plan consulting services to a broad mix of institutional and individual clients, including plan sponsors. The firm offers services such as fiduciary consulting, plan design, employee education, and advisor-managed accounts, serving clients ranging from individual investors to large institutional entities like sovereign wealth funds.

Thomas Lawless is a CFP® professional with 38 years of industry experience, currently affiliated with Commonwealth Financial Network and Ke Wealth Advisors. He has worked at Ameriprise Financial Services, Inc. for 14 years before joining his current firms in 2019. Lawless is a part owner of Ke Wealth Advisors, a private entity serving securities, advisory, and insurance needs. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser supporting a national network of nearly 2,900 advisors and managing approximately $213 billion in client assets. The firm provides a comprehensive adviser-support platform with managed-account programs, access to third-party asset managers, and various investment options.

Heather Adams is a financial advisor with First Citizens Investor Services, Inc. in Phoenix, AZ. She holds Series 63 and Series 65 licenses and has nine years of industry experience, including prior roles at Wells Fargo Clearing and Wells Fargo Bank. First Citizens Investor Services serves individuals, including high-net-worth clients, as well as pension plans, charitable organizations, and businesses. The firm offers advisory and brokerage services through investment adviser representatives and third-party portfolio managers, with a client process based on assessing financial needs, risk tolerance, and time horizon to inform diversified portfolio allocations.

David Nieto is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory Inc. since 2017 and with Charles Schwab since 2014. He 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 primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice utilizes standard asset-allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

Brian Hughes is a financial advisor with Schwab Wealth Advisory holding a Series 66 designation and nine years of industry experience. He has worked at Charles Schwab & Co., Bank of America, and Merrill Lynch. Hughes 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–referred clients. The firm’s advice follows Schwab’s asset-allocation models and internal research, with trades executed only upon client authorization.

Benjamin Shannon is a CFP® with nine years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory since 2025. He has been with Charles Schwab in various roles since 2017 and previously worked at Tyler Allen Law Firm. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab’s proprietary asset-allocation models and research to tailor recommendations based on individual goals and risk tolerance.

Cole Bialek is a financial advisor at Schwab Wealth Advisory, holding Series 63 and Series 66 licenses with three years of industry experience. His background includes roles at Schwab Wealth Advisory Inc., Charles Schwab, The Porch, and Rufenacht Commodities, among others. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program as well as certain Charles Schwab & Co.-referred clients. The firm uses standard asset-allocation models and internal research tools to deliver tailored recommendations, with trades executed only upon client authorization.

Joshua Lawson is a financial advisor at Focus Partners Wealth, LLC with 13 years of industry experience. He holds a Series 66 designation and has worked previously at Churchill Management Group, Charles Schwab & Co., Inc., TD Ameritrade Investment Management, LLC, TD Ameritrade, Inc., and Merrill. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients, offering a range of 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.

Kerry Tanner is a Certified Financial Planner® with 45 years of industry experience, currently serving at Independent Financial Group, LLC since 2005. He has operated his own practice under his name since 1999. In addition to his advisory role, he works as an insurance agent offering life, health, and long-term care insurance, and provides tax preparation and bookkeeping services as an independent contractor. He is also active as a volunteer board member for a homeowners association. Independent Financial Group, LLC provides investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate and pension plans, and charitable organizations. The firm utilizes firm- and third-party investment models to create customized client strategies, combining passive and active asset management across various risk profiles.

Luke Watson is a CFP® professional with 11 years of experience in financial services. He currently works at Schwab Wealth Advisory, Inc. and has previously held roles at Morgan Stanley, Merrill Edge, and Entrewealth, LLC. 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 Charles Schwab’s standard asset-allocation models and internal research tools, with recommendations tailored to clients’ goals and risk tolerance.

Andie Rose is a Series 66-licensed financial advisor with Schwab Wealth Advisory in Phoenix, AZ, and has one year of industry experience. Prior to joining Schwab, she worked at Fidelity Investments for two years. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab & Co.’s standard asset-allocation models and internal research tools. The firm manages over $218 billion in client assets and offers tailored recommendations without exercising discretionary trading authority.

John Kissam is a CFP® certificant with eight years of experience in financial services, currently serving at Schwab Wealth Advisory, Inc. He has prior experience at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, LLC, Wells Fargo Bank, N.A., and Lyft. Outside of advisory roles, Kissam is the managing member of Treehaus LLC, a non-investment-related real estate business. 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 guidance is based on proprietary asset-allocation models and internal research tools, with client-directed trade execution and portfolios often managed by third-party or affiliated money managers.

Richard Keiser is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and nine years of industry experience. His previous roles include positions at Charles Schwab & Co., Fidelity Investment, Empower Advisory Group, TIAA-CREF, and Wells Fargo Clearing. 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 utilizes Charles Schwab’s asset-allocation models and research tools, offering tailored recommendations reviewed at least annually.

Alexander Engel is a financial advisor at Empower Advisory Group with a Series 66 designation and one year of industry experience. He previously worked at Empower Financial Services, Summit Funding, and FirstBank. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain IRA and retail brokerage account holders. The firm’s services integrate proprietary and third-party methodologies focused on long-term portfolio returns and client savings rates within a large-scale advisory model.

Samantha Jarvey is a CFP® certified financial advisor with 15 years of industry experience, currently with Schwab Wealth Advisory in Phoenix, AZ. She has previously worked at Cambridge Investment Research and Wells Fargo in various roles spanning over a decade. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Charles Schwab & Co.’s asset-allocation models and research tools. The firm focuses on client-tailored recommendations and trades executed only with client authorization.

Megan Henretta is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 65 and Series 63 licenses and seven years of industry experience. Her background includes roles at Nationwide Investment Services Corp and Tailored Management. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a range of financial planning and consulting services, combining advisor-led discretionary management with model-based strategies and access to proprietary and third-party investment solutions.

Laura Boone is a financial advisor at Empower Advisory Group with four years of industry experience. She holds the Series 63 and Series 65 designations. Prior to joining Empower Advisory Group, she worked at TLB Consulting Services, LLC and Cdw, and has a background that includes roles in education. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage account holders. The firm uses an integrated model aligned with Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Jared Charley is a financial advisor with Transamerica Retirement Advisors, LLC in Gilbert, AZ, holding Series 63 and Series 66 licenses. He has seven years of industry experience, including roles at Morgan Stanley, Merrill, Bank of America, and Transamerica entities. Prior to his financial services career, he worked with the Phoenix Police Department for 17 years. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through programs offering managed portfolios and investment education, relying on Morningstar Investment Management for portfolio construction and oversight. The firm operates at scale with over 300 advisors and a large client base focused on non-discretionary assets.

Juan Garcia is a financial advisor with First Command Advisory Services in Gilbert, AZ, holding Series 63 and Series 65 credentials and seven years of industry experience. His prior work includes service with the Naval War College and Seventh Fleet. Outside of his advisory role, Garcia serves as a conditioning coach for the ASU High School Boys Soccer Team. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm provides financial planning and wrap-fee asset management programs managed by a centralized Investment Management Team and Wealth Portfolio Managers.

Prithibi Chauhan is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and four years of industry experience. Prior to joining Schwab Wealth Advisory in 2025, Chauhan worked at Bank of America, Merrill, and Charles Schwab. Schwab Wealth Advisory 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 guidance is based on Charles Schwab’s asset-allocation models and internal research, offering tailored recommendations without exercising discretionary trading authority.