John Monfreda is a financial advisor with Schwab Wealth Advisory Inc. in Phoenix, AZ, holding Series 63 and Series 66 licenses with 35 years of industry experience. He has worked at Charles Schwab since 2006 and Schwab Wealth Advisory since 2012. Outside of his advisory role, he serves as vice president of Monfreda Realty Group, LLC, a non-investment business managing a rental portfolio. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and research tools, with client authorization required for all trades.

David Robinson, Jr. is a CFP® professional with 25 years of industry experience, currently serving as a financial advisor at Mariner Wealth Advisors since 2021. His prior work includes 21 years at Robinson, Tigue, Sponcil & Associates, LLC and 15 years with the Franciscan Renewal Center. He is also a licensed insurance agent. Mariner Wealth Advisors serves a diverse client base, including individuals, pension plans, trusts, and corporations, offering investment management, financial planning, retirement consulting, and tax services. The firm employs customized, discretionary portfolios supported by both in-house research and third-party managers, with notable depth in tax and accounting integration.

William Bibbs is a financial advisor at Schwab Wealth Advisory with Series 66 and Series 63 licenses and one year of industry experience. His prior roles include positions at YMCA Retirement Fund and Charles Schwab & Co., Inc. 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-referred clients. The firm utilizes standard asset-allocation models and internal research tools to tailor recommendations based on individual goals and risk tolerance.

Miguel Molina is a financial advisor at Schwab Wealth Advisory with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2018, including his current role at Schwab Wealth Advisory beginning in 2024. Prior to joining Schwab, he spent time at Veyo Arizona and Total Transit. Schwab Wealth Advisory, Inc. 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 guidance focuses on asset allocation and investment selection based on Schwab’s proprietary models and research, with recommendations tailored to clients’ goals and risk tolerance.

Renee Millick is a financial advisor with Eagle Strategies (New York Life) based in Surprise, Arizona, holding Series 65 and Series 63 licenses. She has 11 years of industry experience, including prior roles at JP Morgan Securities LLC and JP Morgan Chase Bank. Eagle Strategies serves a diverse client base, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated investment adviser representatives. The firm delivers tailored advice across various program types, emphasizing non-discretionary asset management and fiduciary responsibilities to both individual and institutional clients.

Jonathan Floe is a financial advisor with Lincoln Investment in Phoenix, AZ, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, N.A., and Morgan Stanley Smith Barney LLC. Lincoln Investment Planning, LLC is a large enterprise firm serving a diverse client base including individuals, high-net-worth investors, trusts, charities, and retirement plans. The firm combines advisor-led consulting with model portfolio management and access to third-party managers, supported by an in-house Investment Management & Research team.

Christopher Roming is a financial advisor with PNC Wealth Management in Litchfield Park, AZ, holding Series 63 and Series 65 licenses and having two years of industry experience. His prior roles include positions at Independent Financial Group LLC, Principal Life Insurance Company, and Amerilife of Arizona. Roming also served in the United States Marine Corps for five years. PNC Wealth Management offers retail brokerage and advisory services through model-based investment programs, including an invitation-only digital portfolio solution that uses algorithmic risk assessment and managed model strategies implemented via mutual funds and ETFs.

Tyler Cawthorne is a CFP® professional with eight years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, Inc. and has previously worked at Charles Schwab Bank, Charles Schwab & Co., and other companies. Outside of his advisory role, Tyler is involved in online content production related to sports affiliate marketing and participates in online entertainment streaming and food delivery services. 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 investment guidance is based on Charles Schwab’s proprietary asset-allocation models and internal research, with client authorization required for all trades.

Tyler Mehlhorn is a CFP® with 20 years of industry experience, currently with Schwab Wealth Advisory. He has worked at Charles Schwab & Co., Fidelity, and Wells Fargo Investments during his career. Outside of advising, he runs TC Squared, LLC, where he produces and shares project and agricultural videos on YouTube. 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 approach relies on standard asset-allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

Andrea Flores is a CFP® and ChFC® with 19 years of experience in financial services. She is currently with Schwab Wealth Advisory Inc., where she has worked since 2019. Her prior experience includes roles at USAA Investment Management Company, USAA Financial Advisors, Inc., Centaurus Financial, Inc., and Merrill. 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’s asset-allocation models and internal research tools to guide investment selection and wealth management.

Shaun Horan is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His career includes longstanding roles at Guardian Life and Mutual/United of Omaha Insurance Company. Outside of his advisory work, he serves as an officer and bookkeeper for DanAm Aviation LLC, a holding company. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, offers brokerage and investment advisory services to individuals, corporate clients, retirement plan sponsors, charitable organizations, and businesses. The firm utilizes a combination of advisor-led discretionary management and model-based strategies, providing tailored client relationships supported by proprietary and third-party platforms.

William Jorden is a CFP® with 18 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. He has worked at Schwab Wealth Advisory and Charles Schwab & Co., Inc. since 2017, with prior experience at Oppenheimer, Merrill, and Wells Fargo Clearing. 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 Charles Schwab’s asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance.

Patrick Nugent is a financial advisor with Schwab Wealth Advisory Inc. in Phoenix, AZ, holding Series 65 and Series 66 licenses and bringing 27 years of industry experience. His prior roles include positions at USAA Financial Advisors Inc. and Merrill. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program or referred by Charles Schwab & Co. The firm uses standard asset-allocation models and internal research tools to offer tailored investment recommendations, executing trades only with client authorization.

Christopher Cornwall is a financial advisor with Schwab Wealth Advisory Inc. in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has been with Charles Schwab since 1997 and has served at Schwab Wealth Advisory since 2012. Outside of his advisory role, Cornwall is the president and owner of Cornwall Enterprises LLC, a business that leases vehicles to drivers. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab & Co.’s asset-allocation models and research tools. The firm offers personalized recommendations with at-least-annual reviews, focusing on client goals and risk tolerance without exercising discretionary trading authority.

Keith Tigue is a financial advisor at Mariner Wealth Advisors with 22 years of industry experience. He holds the Series 65 designation and previously worked at Robinson, Tigue, Sponcil and Associates, LLC for 18 years before joining Mariner in 2021. He is also a licensed insurance agent. Mariner serves a diverse client base including individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and private funds. The firm offers customized investment management, financial planning, retirement plan consulting, and integrated tax and accounting services, supported by an internal investment committee and external managers.

Nathan Straw is a financial advisor with Hightower Advisors in Phoenix, AZ, holding a Series 66 designation and 10 years of industry experience. Prior to joining Hightower in 2021, he worked at Morgan Stanley and Morgan Stanley Private Bank from 2015 to 2021. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients, offering discretionary and non-discretionary portfolio management, financial planning, retirement plan consulting, and access to pooled vehicles and private funds. The firm’s advisory approach emphasizes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers supported by proprietary research and customized portfolio construction.

Douglas Gasser is a CFA® charterholder with 10 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. He previously worked at Merrill from 2016 to 2021. Outside of his advisory role, Gasser performs general handyman duties, including remodeling and caulking, through his engagement with Madhouse Properties LLC. 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 emphasizes tailored asset allocation and investment selection without exercising discretionary trading authority.

Leticia Blumenkron is a financial advisor at Empower Advisory Group with six years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Wells Fargo and Merrill prior to joining Empower. Blumenkron also has ownership in a transport generator fueling business. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as Empower Premier IRA and retail brokerage clients. The firm uses an integrated approach tied to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.

Katrina Angell is a financial advisor with Sanctuary Advisors, LLC in Phoenix, AZ, holding a Series 66 designation and two years of industry experience. She previously worked at Sanctuary Securities, Inc. and has experience in hospitality and family services. Angell serves as a board member of The Living Church, a nonprofit organization focused on faith and counseling. Sanctuary Advisors, LLC provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, and charitable organizations, through a network of over 400 independent advisers. The firm offers portfolio management, retirement consulting, and access to multiple investment platforms, employing various analytical approaches and acting as a fiduciary when a written agreement is in place.

Melanie White is a financial advisor at Empower Advisory Group with four years of industry experience. She holds a Series 66 designation and has previously worked at Raymond James & Associates, UnionBanc Investment Services, and other firms. Outside of advising, she is the founder and CEO of Sunshine Love INC, a nonprofit that provides free and discounted hair services to individuals in domestic abuse shelters. Empower Advisory Group offers financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, delivering services through an integrated platform that emphasizes long-term portfolio returns and annual rebalancing.