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 credentials and has previously worked at Lincoln Financial Securities Corporation and Janney Montgomery Scott. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios across various investment types.

Morgan Edlund is a financial advisor at OSAIC with a Series 66 designation and four years of industry experience. Prior to joining OSAIC, Edlund was associated with Woodbury Financial Services Inc. In addition to his advisory roles, he is involved with the Duluth Whiskey Project and has worked with the Lake Elmo Event Center. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, employing various asset-allocation tools and third-party platforms to manage portfolios across multiple investment types.

Nicholas Bair is a financial advisor with Cetera, holding the CFP® and ChFC® designations and possessing 17 years of industry experience. He previously worked at J.P. Morgan Securities for 11 years before joining Cetera in 2023. Bair is also involved in other business activities, including operating Wilde Wealth Management Group and serving as an insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm that provides advisory services through a nationwide network of independent advisors. The firm serves a diverse client base including individuals, retirement plans, and institutional accounts, offering a range of portfolio management and financial planning services supported by multiple management strategies and program options.

Tracy Howard is a financial advisor at OSAIC with 24 years of industry experience and holds a Series 66 designation. Prior to joining OSAIC in 2025, Tracy worked for Lincoln Financial Advisors and Lincoln Financial Securities Corporation for a combined 20 years. Outside of work, Tracy serves as successor trustee for a family trust. OSAIC serves a diverse range of retail and institutional clients, offering integrated brokerage and advisory services through a large network of affiliated advisors. The firm employs advanced asset-allocation tools and provides access to multiple investment platforms and third-party money managers.

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 with LPL Financial in Glendale, AZ, holding a Series 66 designation and three years of industry experience. He previously worked at Centaurus Financial Inc., Argosy Financial, Vanguard, Ricoh USA, and Trilogy at Vistancia. Outside of finance, he is involved with THE GUESS ROOM, LLC, a social media business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, supported by research and investment strategies including discretionary and non-discretionary management.

Danielle Mc Clenahan is a Series 66-credentialed financial advisor with 22 years of industry experience. She has worked at OSAIC since 2024 and previously held roles at Securities America Advisors and Sii Investments. Outside of her advisory work, she volunteers at Appleton Alliance Church and has worked as an independent food delivery driver. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers comprehensive brokerage and advisory services, employing asset-allocation tools and third-party platforms to construct and manage investment portfolios.

John Neighbours Jr. is a financial advisor at OSAIC with 22 years of industry experience. He holds the Series 63 and Series 65 designations. His prior work includes roles at Royal Alliance Associates, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and a period of self-employment. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides a range of services such as brokerage and investment advisory, financial planning, retirement plan consulting, and access to third-party money managers, supported by sophisticated asset-allocation tools and multiple advisory platforms.

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 with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Merrill and Sage Point Financial. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension plans, and corporations, offering a wide range of brokerage and advisory services supported by multiple platforms and third-party managers. The firm employs asset-allocation tools and automated rebalancing to manage portfolios across various asset classes on both discretionary and non-discretionary bases.

Shelly Malone is a financial advisor with OSAIC, holding a Series 66 designation and 19 years of industry experience. She has previously worked with firms including Advisor Group, Transamerica Financial, Humana, World Financial Group, Liberty Mutual, and Allstate Insurance. Malone is also the owner of a life insurance business affiliated with Symmetry, conducting appointments primarily on weekends. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, financial planning, and access to third-party money managers through a range of advisory platforms.

Wayne Ballinger is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors from 2011 to 2016. 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 vehicles and bank deposit sweep options among its investment offerings.

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 Series 63 and Series 66 designations. Prior to joining OSAIC in 2024, he worked at Triad Advisors, Inc. for 13 years. OSAIC serves a diverse range of clients including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, financial planning, retirement plan consulting, and access to various managed account solutions using firm-provided asset-allocation tools and third-party platforms.

Michael Hay is a financial advisor with Wells Fargo Clearing in Scottsdale, AZ, holding Series 63 and Series 65 designations and bringing 43 years of industry experience. He has worked with Wells Fargo Advisors since 2012 and joined Wells Fargo Clearing in 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a combination of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Nathaniel Stangler is a financial advisor with J.P. Morgan Securities in Scottsdale, AZ, holding a Series 66 designation and four years of industry experience. Prior to joining J.P. Morgan Securities in 2026, he worked at Merrill Lynch for five years and held positions at Bmo Harris Bank and other firms. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors by providing investment consulting and advisory services that include asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework in its investment recommendations.

John Chitwood is a financial advisor with OSAIC in Scottsdale, AZ, holding Series 63 and Series 66 licenses with 34 years of industry experience. He has worked at Sagepoint Financial, Inc. since 2009. He serves as a successor trustee for a family trust. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, retirement consulting, and access to third-party money managers and managed-account solutions.

Tamara Frattarelli is a financial advisor at OSAIC with 14 years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at SagePoint Financial and BMO Harris Financial Advisors. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisors and advisory platforms. The firm offers integrated brokerage and investment advisory services, employing asset-allocation tools and third-party managed account solutions to construct diversified portfolios across various investment vehicles.