Ralph Moreno is a financial advisor with Charles Schwab, holding a Series 66 designation and seven years of industry experience. He has worked at Charles Schwab Trust Bank since 2020 and at Charles Schwab since 2018. Prior to that, he was employed at First Convenience Bank from 2015 to 2018. 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 relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Kristin Hass is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has been with Charles Schwab since 1996, including time at Charles Schwab Bank and optionsXpress, Inc. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence through its Alternative Investments Select program.

Brian Jeffries is a financial advisor with Wells Fargo Clearing in Peoria, AZ, holding a Series 66 designation and bringing 26 years of industry experience. His prior roles include positions at Morgan Stanley and related entities from 2002 to 2012. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm employs a range of research and analytics in its investment approach and offers both brokerage and advisory solutions across a large network of advisors.

Nikos Dalton is a financial advisor at UBS Financial Services with four years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley, Bank of America, Merrill, and Ivancich & Costis LLC. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm utilizes proprietary research and model-based asset allocations to tailor financial plans aligned with clients’ goals and risk tolerances.

Ryan Fischer is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at Cetera. His prior roles include positions at Avantax Investment Services and USAA Financial Planning Services. Outside of his advisory work, Fischer is president of RPF Capital, LLC, which provides guidance on health insurance options for individuals and small groups. Cetera Investment Advisers LLC is a national SEC-registered firm that serves a diverse client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with flexible portfolio management and a broad range of investment strategies administered under various program structures.

Jennifer Walker is a financial advisor at Merrill with 24 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses and has been with Merrill and Bank of America since 2012. Merrill serves a wide range of clients, including individuals, retirement plans, corporations, and institutional investors, providing managed account programs, discretionary portfolio management, and brokerage execution services. The firm emphasizes manager selection and tax-efficient investment strategies, supported by its integration with Bank of America’s broader banking and capital markets platform.

Stuart Bates is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 certifications and possessing 38 years of industry experience. He has been with Charles Schwab for 29 years and is also involved in several business ventures, including Natural Hen LLC, Arizona Life Sciences LLC, and Genial Ventures LLC, which focus on consulting, animal healthcare products, and chicken feed. Charles Schwab serves a large client base primarily consisting of 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 both non-discretionary and discretionary investment guidance using multi-asset model portfolios and maintains a distinctive integrated structure combining advisory services with custody and brokerage.

Matthew Edwards is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and two years of industry experience. Prior to joining Charles Schwab in 2022, he held roles at VEREIT and served as a University of Oregon Ambassador. Charles Schwab 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 blend of non-discretionary and discretionary investment management using multi-asset model portfolios supported by centralized custody and operational resources.

Mark Emberton is a financial advisor at LPL Enterprise with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at firms including The Prudential Insurance Company of America, Client One Securities, and Rock Bridge Financial. Emberton is also commissioned as a notary in Phoenix, AZ. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, and institutions. The firm employs a model-driven investment approach and offers access to third-party asset managers alongside financial planning and insurance products.

Tracy Milanese is a CFP® and Series 66 licensed financial advisor with Edward Jones in Phoenix, AZ, where she has worked for 12 years. She serves on the board at Madison Rose Lane Elementary in Phoenix. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, incorporating discretionary and non-discretionary strategies, and is notable for its large retail advisor network and affiliated financial capabilities.

Fernando Quezada is a financial advisor with Ameriprise in Phoenix, AZ, holding Series 63, Series 65, and Series 66 designations and one year of industry experience. He previously worked at Edelman Financial Engines and Charles Schwab, where he spent 16 years. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, known for its specialized Premier Retirement Income service that offers retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Sigifredo Galicia is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 credentials and three years of industry experience. His professional background includes roles at Uber, Amazon, Rocket Mortgage, DoorDash, Phoenix Children's Hospital, and the City of Phoenix. 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 and discretionary investment guidance using multi-asset model portfolios and provides integrated brokerage, custody, and advisory services.

Nathan Shaver is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and having two years of industry experience. His work history includes roles at Charles Schwab Bank, Magnit, and Grand Canyon University, along with prior experience outside finance in education, UPS, and Chick-fil-A. Charles Schwab & Co., Inc. serves a large client base of 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 a non-discretionary advisory model with access to discretionary separately managed accounts and employs multi-asset model portfolios along with alternative investment due diligence.

Robert Savage is a financial advisor at LPL Financial with eight years of industry experience. He holds the Series 66 designation and has worked with Bankers Life Advisory Services, Inc., Bankers Life Securities, Inc., HD Vest Investment Services, and Savage Law, PLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, retirement advice, and institutional platforms.

Joseph Matura is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 65 licenses and 28 years of industry experience. He has been with Charles Schwab since 2016 and also founded Designed Wood Flooring Center LLC, a business he has managed since 2013. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. Schwab combines non-discretionary advisory relationships with access to affiliated discretionary SMAs, delivering investment guidance through multi-asset model portfolios and centralized custody and order-routing operations.

Tania Kvakic is a financial advisor with RBC Capital Markets in Phoenix, AZ, holding a Series 66 designation and bringing 12 years of industry experience. She has worked at RBC Capital Markets since 2013 and also at City National Bank since 2018. Kvakic serves on the Board of Directors for the Arizona Coyotes Foundation, a charity focused on community involvement and fundraising. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs featuring customizable portfolio management and financial planning services supported by in-house and third-party investment managers.

Ryan Mcintyre is a financial advisor with Wells Fargo Clearing in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. His career includes tenures at Northwestern Mutual Wealth Management Company and Northwestern Mutual Investment Management. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets with over 14,000 financial advisors and employs research-based investment evaluation methods grounded in diversification and modern portfolio theory.

Jeffrey Hostenske is a Senior Financial Advisor at Merrill Lynch Wealth Management. He brings over seven years of experience in advisory roles, complemented by two decades of leadership in the restaurant industry, which provided him with insights into disciplined financial management, strategic growth, and operational excellence. Jeffrey focuses on comprehensive wealth management strategies that include college education planning, retirement planning, legacy planning, tax minimization, and portfolio management services. He is a Certified Exit Planning Advisor (CEPA) and a Personal Investment Advisor (PIA). Jeffrey earned an Associate's Degree and a Bachelor's Degree from Johnson & Wales University, following his graduation from Fisher Catholic High School. He emphasizes a planning approach built on three pillars: Planning, Investing, and Coaching, aimed at helping clients navigate the complexities of market volatility and achieve their long-term financial goals. Originally from Lancaster, Ohio, Jeffrey values the work ethic and educational foundation instilled in him from an early age. Since relocating to Phoenix in 2011 with his wife Jennifer, he has been committed to assisting clients in turning their ambitions into financial achievements. Outside of work, Jeffrey's interests include cooking, football, golfing, music, and watching movies.

Buba Nyassi is a CFP® professional with seven years of industry experience, currently affiliated with Charles Schwab in Phoenix, AZ. His previous roles include positions at The Vanguard Group and Great-West Financial, as well as experience in senior care and health systems. Charles Schwab 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, utilizing multi-asset model portfolios and an integrated operational structure.

Christopher Rios is a financial advisor at Fidelity with Series 63 and Series 66 designations and three years of industry experience. His prior roles include positions at Merrill Lynch and Vanguard. He also served at Harvest Church for eight years. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and a charitable gift fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage and deliver model portfolios.