Natalie Flamm Stutenroth is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and 28 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Cheri Keene is a financial advisor with LPL Financial in Phoenix, AZ, holding Series 63 and Series 66 licenses and having 18 years of industry experience. She has worked at LPL Financial since 2015 and concurrently serves at the National Bank of Arizona since 2014. Keene also holds a role as a business development officer and trading manager at Zions Trust. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced operational and research tools.

Antonio Zapata is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and 21 years of industry experience. His prior roles include positions at AssetMark Brokerage, AssetMark Financial Holdings, Financial Engines Advisors, Wells Fargo Clearing, and The Vanguard Group. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management services supported by centralized custody and operational resources.

Kyle Ricker is a financial advisor at Charles Schwab with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab since 2011. The firm 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. Schwab combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset model portfolio approach supported by comprehensive due diligence and centralized operational resources.

Richard Auck is a financial advisor at Charles Schwab with 26 years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes six years at Optionsxpress, Inc., and over two decades at Charles Schwab and Charles Schwab Bank. 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 and discretionary investment management supported by multi-asset model portfolios and Schwab’s Alternative Investments Select program.

Matthew Layman is a financial advisor with Charles Schwab, holding a Series 66 designation and four years of industry experience. His prior work includes roles at Fidelity Investments, Done Marketing Inc., and REV.COM, Inc. He is based in Phoenix, AZ. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals primarily through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a mix of non-discretionary and discretionary investment guidance using multi-asset model portfolios and provides centralized custody and order-routing services.

Craig Despres is a financial advisor with MML Investors Services, LLC, a subsidiary of MassMutual, based in Phoenix, AZ. He holds Series 63 and Series 65 designations and has two years of industry experience. Prior to joining MassMutual, he worked at Adopt Technologies, LLC and Zayo Group. He is also the owner and manager of Milestone Financial, LLC. MML Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual planning engagements and a range of programs including divorce planning, estate settlement, and employer-sponsored planning.

Dane Kelly is a financial advisor with LPL Financial, holding a Series 66 license and 11 years of industry experience. He has worked at LPL Financial since 2019 and is also involved with Siefer & Kelly Management and various insurance carriers through W&R Insurance Agencies. 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 wide range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Ivaylo Dimov is a financial advisor at Charles Schwab with 12 years of industry experience. He holds the Series 66 designation and has been with Charles Schwab since 2013, including time at Charles Schwab Bank, SSB since 2025. 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 a large-scale client base with a dual-registered broker-dealer and investment adviser structure, offering both non-discretionary and discretionary investment options supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Merica Chmait is a financial advisor with UBS Financial Services who holds a Series 66 designation and has 24 years of industry experience. She has worked at UBS since 2021 and previously spent 12 years at Morgan Stanley Smith Barney. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides proprietary research and a broad range of capital markets solutions.

Patricia Smith is a financial advisor at UBS Financial Services with 45 years of industry experience. She holds Series 63 and Series 65 licenses and has been with UBS for 20 years. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations in delivering its advisory work.

Brian Mc Ginty is a CFP® professional with 34 years of industry experience, currently with Charles Schwab in Phoenix, AZ. His prior experience includes roles at TD Ameritrade, Carillon Fund Distributors, and Oppenheimerfunds. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through Schwab Wealth Advisory’s wrap fee program and affiliated financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and order-routing operations.

Nicholas Wallace is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and seven years of industry experience. His prior work includes roles at the AZ Department of Public Safety and healthcare facilities before joining Charles Schwab in 2018. Outside of financial advising, he operates small woodworking and custom design businesses. Charles Schwab & Co., Inc. serves a broad client base primarily consisting of 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 a combination of non-discretionary and discretionary investment management supported by an integrated operational structure.

David Dorward is the Senior Resident Director of the Phoenix office and a Managing Director at Merrill Lynch Wealth Management. He began his career in the financial services industry in 1995 and joined Merrill Lynch Wealth Management in 1997. His professional focus is on serving ultra-high net worth clients, including corporate executives, professional athletes, physicians, retirees, and business owners. As a Portfolio Manager, he manages personalized or defined discretionary investment strategies that may include individual stocks and bonds, Merrill Lynch Wealth Management model portfolios, and third-party strategies. He holds professional designations such as Chartered Retirement Planning Counselor™ (CRPC™) and Certified Plan Fiduciary Advisor® (CPFA®) and is recognized as a Forbes Best in State Wealth Advisor from 2019 to 2026. He holds multiple FINRA registrations including Series 7, 63, 65, 52, 31, 9, and 10 Securities Principal. David earned his Bachelor's degree from Northern Arizona University and is an Arizona native. He is a graduate and alumnus of Scottsdale Leadership Organization (Class XXI). His community involvement includes serving on the Board of Directors for the Fiesta Bowl organization. He has also dedicated time to several local charities and served as a Reserve Volunteer for the Paradise Valley Police Department.

Christopher Molina is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 designations and 14 years of industry experience. His prior work includes roles at USAA Investment Management Co., USAA Financial Advisors, APEX Systems, Fisher Investments, and Scottrade. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, utilizing multi-asset model portfolios, written advice policies, and alternative investment due diligence.

Virginia Rueth is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. She has been with Charles Schwab 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 relationships and access to discretionary separately managed accounts, supported by a large-scale integrated structure and a formal alternative investment process.

Tedda Rogers is a financial advisor at Charles Schwab with 29 years of industry experience. She has held roles at USAA Investment Management Company and USAA Financial Planning Services prior to joining Charles Schwab in 2020. Outside of her advisory work, she owns a property in Phoenix where she rents out space for vehicle and storage purposes. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management and comprehensive financial planning services. The firm’s integrated platform supports a large client base with centralized supervision, custody, and order-routing capabilities.

Jana Frydman is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and 14 years of industry experience. She has been with Charles Schwab since 2010. 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 combines a non-discretionary client relationship model with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and operational services.

Richard Schneider is a financial advisor with UBS Financial Services in Phoenix, AZ, holding Series 63 and Series 65 credentials and over 41 years of industry experience. He has been with UBS since 2006. Outside his advisory role, he serves as a co-executor for the Estate of Alexander Dube, overseeing asset liquidation and distribution. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client solutions.

Theresa Engle is a financial advisor at Osaic Wealth, Inc. with 36 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses and has worked with firms including Orba Financial and Signator Investors. Engle also operates her own sole proprietorship, providing sales and marketing services for securities, investment advisory, and insurance products. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through an extensive network of affiliated advisors, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios managed on either a discretionary or non-discretionary basis.