Joseph Fitzgerald is a financial advisor with Charles Schwab in Scottsdale, AZ, holding Series 63 and Series 66 licenses and having 25 years of industry experience. He has been with Charles Schwab since 2000 and has concurrently worked at Charles Schwab Bank since 2006. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized custody and operational arrangements.

Mark Schwelling is a financial advisor with Charles Schwab in Scottsdale, AZ, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Charles Schwab since 2000 and has worked with Charles Schwab Bank since 2005. Charles Schwab & Co., Inc. serves primarily high‑ and ultra‑high‑net‑worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, supported by multi-asset model portfolios and due diligence on alternative investments, leveraging its large scale and integrated operational structure.

Elisabeth Collins is a financial advisor at OSAIC with 12 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Lincoln Financial Securities Corporation and Janney Montgomery Scott. OSAIC serves a diverse client base including individual investors, retirement plans, charities, and corporations, offering a range of brokerage and advisory services supported by a multi-advisor platform and model-based investment processes.

Morgan Edlund is a financial advisor at OSAIC with five years of industry experience. He holds a Series 66 license and previously worked at Woodbury Financial Services Inc. Outside of his advisory roles, Edlund has been involved with the Duluth Whiskey Project since 2019 and has experience working with the Lake Elmo Event Center. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm utilizes a model-based investment process featuring portfolio optimization and offers a range of brokerage and advisory services, including unified managed accounts and third-party money manager programs.

Nicholas Bair is a CFP® and ChFC® financial advisor with 18 years of industry experience. He currently works at Cetera and previously held positions at J.P. Morgan Securities and Chase Investment Services Corp. Outside of his advisory work, he is a licensed insurance agent selling life, health, disability, fixed annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to affiliated and third-party investment strategies.

Tracy Howard is a financial advisor with OSAIC based in Scottsdale, AZ, holding a Series 66 designation and 25 years of industry experience. Prior to joining OSAIC in 2025, Howard worked at Lincoln Financial Advisors and Lincoln Financial Securities Corporation for a combined 20 years and briefly at Merrill. Outside of advising, Howard serves as successor trustee for the Rigsbee Family Trust. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through various programs such as financial planning, managed portfolios, and retirement plan consulting. The firm utilizes a model-based investment process with asset allocation, portfolio optimization, and multiple management options, supported by a complex network of affiliated entities and private-equity ownership.

Timothy Falleri is a Series 66-licensed financial advisor at Merrill with three years of industry experience. He previously worked at Bank of America from 2016 to 2022 and held a position at Missouri State University from 2015 to 2018. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael O'Brien is a financial advisor at LPL Financial with three years of industry experience. He holds the Series 66 designation. His prior work includes roles at Centaurus Financial INC., Argosy Financial, Vanguard, Ricoh USA, and Trilogy at Vistancia. Outside of his advisory work, he operates a social media business, The Guess Room, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Danielle Mc Clenahan is a Series 66-registered financial advisor with over 22 years of industry experience. She currently works at OSAIC, joining in 2024, and previously held roles at Securities America Advisors, Sii Investments, and Investment Centers of America. Outside of her advisory work, she volunteers at Appleton Alliance Church and has worked as an independent food delivery driver. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations. The firm offers a range of brokerage and advisory services, with an investment process centered on model-based asset allocation, portfolio optimization, and multiple platform options for discretionary and advisor-managed strategies.

John Neighbours Jr. is a financial advisor with OSAIC in Scottsdale, AZ, holding Series 63 and Series 65 credentials and 22 years of industry experience. His prior roles include positions at Royal Alliance Associates, Mass Mutual Investors Services, and LPL Financial. OSAIC Wealth serves a diverse client base including retail, high-net-worth, institutional investors, retirement plans, charities, and corporations. The firm offers a range of brokerage and advisory services supported by a model-based investment process that incorporates asset allocation, portfolio optimization, and multiple management options.

Fredric Susser is a CFP®-certified financial advisor with 28 years of industry experience. He is currently with Charles Schwab and Co., Inc., having joined the firm and Charles Schwab Bank in 2022. Prior to this, he worked at TD Ameritrade from 2010 to 2022. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers integrated brokerage, custody, and cash management solutions.

Dominic Griffis is a financial advisor at Osaic Wealth in Scottsdale, AZ, with 11 years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at Sage Point Financial and Merrill. Osaic Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supporting discretionary and advisor-managed strategies alongside third-party managers.

Shelly Malone is a financial advisor at OSAIC with 19 years of industry experience and holds a Series 66 designation. Her prior work includes roles at Advisor Group, Transamerica Financial Advisor, and Allstate Insurance Company. She is also involved in selling life insurance products part-time on weekends through companies affiliated with Symmetry. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through various programs such as comprehensive financial planning and Unified Managed Accounts. The firm emphasizes model-based asset allocation and portfolio optimization and supports advisors with a wide range of investment strategies across multiple affiliated entities.

Wayne Ballinger is a financial advisor at Wells Fargo Clearing with 39 years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes roles at Morgan Stanley and Citigroup Global Markets. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, retirement plan consulting, and brokerage solutions, leveraging research and analytics to support portfolio management.

Michael Mcavoy is a financial advisor with Wells Fargo Clearing in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. His prior work includes roles at Oppenheimer & Co and Morgan Stanley Smith Barney. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Amanda Fox is a CFP® professional with 17 years of industry experience. She currently works at Fidelity Investments and has previously held roles at Morgan Stanley and The Vanguard Group. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm’s distinctive operations include managing fund-of-funds structures and employing AI-driven methods in portfolio development.

James Wade is a financial advisor at OSAIC with 21 years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at Triad Advisors, Inc. and Truist Investment Services, Inc. OSAIC serves a diverse group of clients including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm’s investment approach focuses on model-based asset allocation and portfolio optimization, offering a range of advisory and brokerage services delivered via affiliated broker-dealer and RIA relationships.

Michael Hay is a financial advisor with Wells Fargo Clearing in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. His prior roles include over a decade at Morgan Stanley and its affiliates from 2001 to 2012. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by in-house research and third-party analytics.

Nathaniel Stangler is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has previously worked at Merrill Lynch and BMO Harris Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative screening and qualitative research, with an emphasis on model asset allocations supported by centralized due diligence.

John Chitwood is a financial advisor with OSAIC in Scottsdale, AZ, holding Series 63 and Series 66 designations and bringing 34 years of industry experience. He has been with Sagepoint Financial, Inc. since 2009. Outside of his advisory role, he serves as a successor trustee for the Caruso Family Trust. OSAIC Wealth serves a diverse client base, including individual investors, retirement plans, charities, and corporations, offering a range of brokerage and advisory services. The firm employs a model-based investment approach emphasizing asset allocation, portfolio optimization, and risk management, supported by various managed account strategies and third-party managers.