David Eldridge is a financial advisor at Farther with 10 years of industry experience. He holds the Series 65 and Series 66 designations and has previously worked with Financial Engines Advisors, LLC, Kingdom Financial Group, LLC, and Golden State Equity Partners, LLC. Farther provides discretionary investment management and advisory services primarily to individual investors, trusts, and estates through a combination of digital platforms and in-person meetings. The firm uses a Modern Portfolio Theory-based approach with proprietary models and algorithmic rebalancing, employing a range of investment vehicles including ETFs, mutual funds, equities, and fixed income.

Brent Wulbrecht is a CFP® professional with 28 years of industry experience, currently with Schwab Wealth Advisory in Phoenix, AZ. He has worked at Schwab Wealth Advisory and Charles Schwab since 2018 and has prior experience at Ameriprise Financial Services and USAA Financial Planning Services. Outside of his advisory role, he is a limited partner in a family real estate investment partnership established by his parents. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm delivers advice using Schwab’s asset allocation models and research tools, with recommendations made by its associates but final investment decisions left to clients.

Amber Schwaab is a financial advisor with Principal Financial Services in Phoenix, AZ, holding a Series 66 designation and bringing 10 years of industry experience. Her career includes roles at BMO Wealth Direct, Stratos Wealth Partners, Charles Schwab & Co., Inc., and Principal Life Insurance Company. Outside of advising, she maintains a notary public service in Scottsdale, AZ. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, and charitable organizations. The firm’s advisory services focus on direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Raymond Master is a financial advisor with Guardian Life and holds Series 65 and Series 63 credentials. He has six years of industry experience, including roles at OneAmerica Securities and American United Life. Outside of his advisory work, he serves as President and a board member of the Rise Foundation, a nonprofit organization, and teaches at Financial Peace University. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage services, financial planning, retirement plan consulting, and investment advisory programs to individuals, pension and profit-sharing plans, charitable organizations, and corporate clients.

John Erickson is a financial advisor at Transamerica Retirement Advisors, LLC with four years of industry experience. He holds Series 65 and Series 63 licenses. Prior to his current role, Erickson worked at Charles Schwab and held various positions in the Scottsdale area. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education services, utilizing proprietary software and third-party model portfolios to provide both managed and view-only recommendations.

Theresa Clemmons is a financial advisor at Benjamin F. Edwards & Company, Inc. with 30 years of industry experience. She holds Series 63 and Series 66 designations and previously worked at Wells Fargo Advisors and Wells Fargo Clearing. Outside of her advisory role, she is involved with 1ST PHORM, a supplement company, where she acts as a representative. Benjamin F. Edwards & Company serves a diverse client base including individuals, pension plans, charitable organizations, and corporations, offering fee-based wrap programs, financial planning, and investment management consulting. The firm employs a range of investment strategies, monitored by an Investment Strategy Committee, and combines custody and execution services with its broker-dealer and insurance functions.

Enrique Sanchez Arvizu is a financial advisor with Empower Advisory Group, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at J.P. Morgan Securities, Merrill Lynch, Bank of America, and AXA Advisors. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as retail brokerage clients. The firm’s services integrate with Empower’s recordkeeping and administrative platforms and focus on long-term portfolio returns, annual rebalancing, and clients’ savings rates.

Joan Stoddard is a CFP®-certified financial advisor with 13 years of industry experience, currently with Empower Advisory Group in Tempe, AZ. Her prior experience includes roles at Advised Assets Group, GWFS Equities, Northstar, Bank of the West, Northwestern Mutual, and Learnvest Inc. In addition to her advisory work, she owned Treasure Trove Toffee for ten years. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as select IRA and retail brokerage clients. The firm delivers integrated services through Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and participant savings rates in its planning approach.

Kevin Burke is a CFP® professional with 23 years of industry experience, currently serving as a financial advisor at Key Investment Services LLC since 2018. Prior to joining Key Investment Services, he worked at Capital One Advisors, LLC and Capital One Investing, LLC from 2016 to 2018. Key Investment Services LLC provides advisory services to individuals, trusts, estates, small businesses, and corporate clients through various programs including wrap-fee advisory, model portfolios, and separately managed accounts. The firm emphasizes client-directed model selection and ongoing oversight, operating within the KeyCorp group and maintaining affiliations with KeyBank and KeyBanc Capital Markets.

Rick Willoughby is a financial advisor with Independent Financial Group, LLC in Phoenix, AZ. He holds Series 63 and Series 65 licenses and has 27 years of industry experience. He has been associated with Independent Financial Group since 2004 and operates Symphony Financial Services LLC as a marketing DBA for securities, advisory, and insurance services. Independent Financial Group, LLC provides investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate and pension/profit-sharing plans, and charitable organizations. The firm offers financial planning and portfolio management through various platforms and employs strategic asset allocation, multi-manager portfolios, and ongoing due diligence across active and passive investments.

Jacob Copley is a financial advisor with GWN Securities Inc. in Phoenix, AZ, holding a Series 66 designation and six years of industry experience. His prior experience includes roles at Equitable Advisors, AXA Advisors LLC, and a non-financial position with Pure Sushi. GWN Securities provides investment advisory and related services to individual and corporate clients through managed account programs, financial planning, and third‑party manager selection. The firm employs both affiliated and unaffiliated sub‑advisers and utilizes diversified investment strategies including tactical, momentum-based approaches.

Benjamin Kieckhafer is a financial advisor with Schwab Wealth Advisory, Inc., holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has been with Charles Schwab in various roles since 2007 and with Schwab Wealth Advisory since 2014. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations based on Schwab’s asset allocation models and research tools. As an internal advisory unit within the Schwab ecosystem, the firm delivers advice without discretionary trading authority and does not directly charge clients fees.

Oscar Uribe Cervantes is a Series 66-licensed financial advisor with eight years of industry experience. He is currently with Empower Advisory Group and has previously worked at Fidelity Investments, Bank of America, Merrill, and Thornburg Investment Management. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm delivers services through an integrated model connected to Empower’s recordkeeping and administrative platforms and emphasizes long-term portfolio returns and annual rebalancing in its planning approach.

Kent Thomson is a financial advisor at Mercer Global Advisors Inc. with 10 years of industry experience. He holds a Series 66 designation and has worked at firms including Bank of America, Merrill, Morgan Stanley, Fountain, and Mogel. Mercer Global Advisors provides investment advisory and planning services to individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm’s investment approach uses Modern Portfolio Theory with globally diversified, risk-appropriate portfolios and employs a variety of implementation options including ETFs, mutual funds, and separate accounts.

Geoffrey Goldberg is a financial advisor at Schwab Wealth Advisory with two years of industry experience. He holds the Series 65 and Series 63 licenses and has worked at Charles Schwab & Co., Inc. since 2023. Prior to his current roles, he worked in education and medical scribing. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm delivers advice through standard asset allocation models and Schwab research tools, with recommendations made by SWAI associates while clients retain final trading decisions.

Jorge Cardenas is a CFP® professional with 12 years of experience in the financial services industry. He is currently an advisor at Schwab Wealth Advisory in Phoenix, AZ, and has previously worked at firms including Fidelity Investments, JP Morgan Securities, and Bank of America. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, delivering services like annual financial reviews and investment recommendations based on Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, serving individual clients without charging fees directly.

Akihiro Kato is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience and holds Series 63 and Series 66 licenses. He has been with Schwab Wealth Advisory since 2018 and affiliated with Charles Schwab since 2015. Outside of his advisory role, he is co-owner of an e-commerce business focused on Fulfillment by Amazon, partnering with his wife. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab and does not directly charge clients fees for its advisory services.

Michael Kinsey is a CFP® with 29 years of industry experience, currently serving at Schwab Wealth Advisory Inc. since 2012 and affiliated with Charles Schwab since 1997. He holds Series 63 and Series 66 licenses and is based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, distinguishing its approach from many other enterprise wealth managers.

Giovanni Vermont Colosio is a financial advisor with Empower Advisory Group in Mesa, AZ, holding Series 63 and Series 65 licenses and three years of industry experience. His prior experience includes roles at Wells Fargo Clearing, Wells Fargo Bank, Farmers Insurance, and LPL Financial. Outside of his advisory work, he has worked as a delivery driver for DoorDash and as a sales associate for T-Mobile, where he markets credit cards in addition to customer phone plans. 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 retail brokerage account holders. The firm offers an integrated service model aligned with its recordkeeping and administrative platforms, focusing on long-term portfolio returns and client savings rates.

Leah Johnson is a CFP® professional with six years of industry experience, currently serving as a financial advisor at Hornor, Townsend & Kent, LLC. She previously worked with New York Life and related entities for several years. Outside of her advisory role, she provides horseback riding lessons as an independent contractor at Apex Riding Academy. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisers, offering a range of advisory programs, financial planning, and retirement consulting. The firm operates both advisory and broker-dealer services, supporting clients with tailored investment solutions and third-party asset manager partnerships.