James Kragenbring is the sole advisor at Aquifer Capital, LLC, based in Phoenix, AZ, holding the CFA® designation and a Series 65 license with eight years of industry experience. He has served as Senior Vice President for Institutional Administration and Assistant Professor of Business and Christian Studies at Midwestern Baptist Theological Seminary since 2017 and is a trustee on the Board of Bethlehem College and Seminary. Aquifer Capital previously provided discretionary investment management to pooled vehicles and separate accounts, serving funds, endowments, non-profit organizations, trusts, and high-net-worth individuals. The firm’s investment approach focused on absolute-return objectives through quantitative and qualitative analysis, though it is not currently managing client assets.

Cody Zindler is a financial advisor at STUDIOi, LLC in Phoenix, AZ, holding Series 63 and Series 65 licenses with two years of industry experience. He previously worked at Matson Money, Inc. for six years and has been associated with Ledger Foundry, LLC since 2026. STUDIOi serves individuals, pension and profit-sharing plans, small businesses, and charitable organizations with portfolio management, financial planning, and pension consulting. The firm uses modern portfolio theory and quantitative analysis to create diversified, mutual fund–focused allocations, emphasizing documented client objectives and risk tolerance, and operates primarily with non-discretionary asset management.

Joseph Harding is a financial advisor at Arcadia Wealth LLC in Phoenix, Arizona, holding a Series 65 credential with five years of industry experience. His prior work includes roles at Holos Financial, LLC and his own CPA firm, Harding CPA, LLC, which he has operated since 2017. Harding serves as treasurer and assistant treasurer for Phoenix United Reformed Church, where he manages the budget and participates in finance and leadership committees. Arcadia Wealth provides investment management, financial planning, and consulting services to individuals, families, and businesses, employing an academic, asset-allocation-centered approach. The firm coordinates closely with an affiliated accounting practice and offers retirement-plan consulting and discretionary asset management.

Christopher Carlton is a CFP® with 15 years of industry experience. He has worked at Edward Jones for 15 years before joining North Wind and Sun Advisory LLC, where he has been since 2026. North Wind and Sun Advisory LLC provides wealth management services to individuals and high-net-worth clients through both discretionary and non-discretionary portfolio management, as well as comprehensive financial planning and consulting. The firm primarily constructs diversified portfolios using low-cost mutual funds and ETFs, while allowing for individual stocks, bonds, and margin transactions when appropriate.

Peter Shannon is a CFP® and CFA® with 12 years of industry experience, currently serving as the sole advisor at Ebis in Phoenix, AZ. He has been with EBIS, Inc. since 2001. Ebis provides investment management, financial planning, and risk-management consulting to individuals, retirement plan sponsors, and institutional clients. The firm emphasizes tax-efficient, diversified portfolios and offers institutional-grade retirement fiduciary services alongside bespoke risk consulting and educational resources.

Robert Pace is the principal and sole advisor at RJ Pace Financial with 22 years of industry experience. He holds a Series 65 credential and has worked at IBM Corporation from 2002 to 2019 before founding his independent firm in 2003. RJ Pace Financial offers discretionary portfolio management and consultation services to individual investors, including retirement and taxable accounts, trusts, and family members. The firm’s investment approach is based on Modern Portfolio Theory, focusing on diversification, low-turnover passive funds, and periodic rebalancing to manage risk and pursue long-term growth and income.

Yuanfang Zhu is a CFP® and Series 65-registered advisor with three years of industry experience. Zhu is the principal at Enso Financial PLC, an independent, fee-only firm based in Phoenix, AZ. Prior to founding Enso Financial, Zhu worked at Huub and has experience in tax preparation and small-business CFO services through an affiliated business. Enso Financial serves individual clients, including high-net-worth households, offering financial planning and discretionary portfolio management. The firm employs a long-term, passive investment approach based on asset allocation and Modern Portfolio Theory, using mutual funds, ETFs, stocks, and bonds, and also offers educational workshops and seminars on financial topics.

Brian Greenberg is affiliated with Six Oaks Advisory Partners LLC and holds the Series 63 and Series 65 licenses. He has been involved in the insurance industry since 2005 and has concurrent roles at several business ventures, including BJG Digital LLC and Quoteplicity Inc. His industry experience as a registered advisor is currently at the beginning stage. Six Oaks Advisory Partners LLC offers portfolio management and financial planning services to individuals, trusts, retirement accounts, and small businesses. The firm employs a fiduciary approach focused on diversification, asset allocation, and long-term investing, with portfolios composed of mutual funds, ETFs, equities, and fixed-income securities.

Aleksander Cupi is a financial advisor with Lifetime Investments & Insurance LLC in Peoria, AZ, holding a Series 65 designation and nine years of industry experience. He has worked at Lifetime Investments & Insurance LLC since 2016 and at Lenn Corporation since 2015. Cupi is also a licensed insurance agent with his firm. Lifetime Investments & Insurance LLC is a solo advisory practice that provides portfolio management and financial planning services primarily to individual and high-net-worth clients. The firm uses a long-term investing approach based on fundamental analysis and offers both discretionary and non-discretionary management.

James Willis is a Series 66-licensed financial advisor with 24 years of industry experience. He founded Beacon Bay Asset Management LLC in 2006 and has managed the firm since then, following prior roles at Frontline Advisors and A. G. Edwards & Sons, Inc. He also conducts educational seminars on generating income from portfolios using credit spreads on indexes. Beacon Bay Asset Management serves approximately 40 private clients, primarily individuals nearing retirement, with fully discretionary portfolio management focused on North American equities, options, ETFs, and fixed-income securities. The firm employs a combination of quantitative fundamental analysis and technical charting, emphasizes risk controls, and operates without third-party investment programs or soft-dollar arrangements.

I was born and raised in Phoenix, Arizona. Grew up camping, riding bikes, swimming, making friends and appreciating the beauty of the desert. I graduated from Northern Arizona University with a Bachelors of Science in International Hospitality Management. This curriculum sparked my interest in finance. After graduation, I worked for the Four Seasons Resort in Scottsdale as an Operations Manager and then I progressed to the Accounting Team. Early in my career, I spent a significant amount of time studying investments and markets. I lived through the Global Financial Crisis, which shaped my perspective on risk, uncertainty, and long-term planning. That period motivated a continued focus on learning and professional development. Along the way, I have followed and studied a variety of well-known thinkers, including Jim Rickards, Raoul Pal, Chris Martenson, Jack Bogle, Jim Bianco, Jeff Gundlach, Darius Dale, Ray Dalio, among others. I later joined Vanguard, where I spent nearly nine years working with clients, primarily as a financial advisor within the Personal Advisor Services group. During that time, I worked with clients on planning and investment decisions within Vanguard’s established framework and philosophy. In mid-2022, I resigned from Vanguard on good terms to establish my own firm, CRB Strategic Services LLC. Today, my work is centered on helping clients think about wealth across multiple dimensions, including financial, material, knowledge, and personal well-being. My approach reflects an interest in long-term planning, adaptability, and thoughtful decision-making in an environment that can change over time. CRB Strategic Services is designed to provide personalized financial guidance, with a focus on understanding each client’s unique situation and helping them navigate important financial decisions. I look forward to connecting with you. Please click the contact button to get in touch for a complementary consultation.

Brian Kramer is a Series 66 licensed financial advisor with 15 years of industry experience. He has been the sole advisor and owner of Blk Financial Advisors, LLC since 2010. The firm serves individuals, including some high-net-worth clients, as well as trusts, offering financial planning and discretionary portfolio management. Blk Financial Advisors applies a mix of technical, fundamental, and cyclical analysis to construct conservative, low-turnover portfolios of stocks, bonds, mutual funds, and ETFs. The firm manages approximately $5.4 million in client assets and serves an unusually broad client base for a solo adviser, including institutional and organizational accounts such as charitable organizations, corporate, pension, and governmental clients.

Justin Krznarich is a financial advisor with Thunderbird Wealth Management, Inc. in Peoria, AZ. He holds Series 66 and Series 63 licenses and has 12 years of industry experience. His prior work includes roles at Securities America, Inc., PFG Advisors, and LPL Financial, LLC. Outside of advising, he is involved in sales of personal protection and security services. Thunderbird Wealth Management is a small advisory firm serving individuals, high-net-worth clients, trusts, estates, and select institutions. The firm employs a top-down, tactical asset allocation process that integrates fundamental and technical analysis, favors ETFs with selective equity exposure, and utilizes risk-profiling tools, while also sponsoring its own wrap fee program.

Marcus Hugo is a CFP® and CFA® with 11 years of industry experience. He is currently a principal at Revel Wealth Partners, where he has worked since 2026. Prior to this, he spent two years at Ironwood Wealth Management and ten years at The Vanguard Group. Revel Wealth Partners provides discretionary investment management and financial planning services to individuals, high-net-worth clients, and trusts. The firm uses a policy-driven investment process that combines modern portfolio theory with fundamental and technical analysis across a mix of passive and active investment vehicles.

Maxwell Michalczik is a CFP® certificant with four years of industry experience. He is currently an advisor at The Freyr Group and also serves as a board member with Angels on Patrol. His prior experience includes roles at Equitable Advisors and Chrysalis Wealth Management. The Freyr Group provides discretionary asset management, financial planning, and ERISA 3(21) retirement-plan advisory services to individuals, high-net-worth clients, and plan sponsors. The firm employs a mix of fundamental, technical, cyclical, and Modern Portfolio Theory analysis, offering both retail and institutional services while integrating insurance products through an affiliated business.

Bret Hoffman is a financial advisor at Green Peaks Planning with 17 years of industry experience. He holds the ChFC® designation and a Series 66 license. His prior work includes roles at Edward Jones and Td Ameritrade, and he has operated as a sole proprietor since 2017. Outside of advising, he manages rental properties in Granby, Colorado. Green Peaks Planning provides discretionary investment management and comprehensive financial planning to individuals and high-net-worth clients. The firm combines fundamental security analysis with Modern Portfolio Theory, employing both passive and active funds to create customized portfolios aligned with client objectives and risk tolerance.

Jo Ann Regan is a financial advisor with FSG Financial Services, Inc. in Sun City, AZ, holding a Series 65 credential and eight years of industry experience. She has held leadership roles at affiliated firms including FSG Tax Advisors, Inc. and Financial Security Group of AZ, Inc., where she serves as president and insurance agent. Regan is also involved in tax preparation and resolution services through FSG Tax Advisors. FSG Financial Services provides discretionary investment management and portfolio oversight primarily for individual clients, tailoring strategies to client objectives, time horizons, and risk tolerances. The firm employs a mix of fundamental, technical, charting, and cyclical analysis and operates with delegated discretion, conducting periodic account reviews and offering educational seminars.

Keith Gregor is a CFA® charterholder with eight years of industry experience. He is currently an advisor at Fjell Capital in Phoenix, AZ, where he has worked since 2026. His prior experience includes roles at Mellig Group LLC and South Florida Educational FCU. Outside of financial advising, he owns Keith W. Gregor, LLC, a company that manufactures residential lighting fixtures. Fjell Capital serves individual and high-net-worth clients as well as retirement plan sponsors, offering integrated wealth management, standalone financial planning, and retirement plan advisory services. The firm utilizes a target-date, model‑of‑models investment framework and applies a subscription-style fee model for wealth management clients.

Christine Carlton is a financial advisor at EPS Wealth Management with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Estate Planning Solutions since 2015 and Carlton Financial, Inc. since 2004. Outside of advising, she owns and operates Carlton Financial Inc., an independent insurance agency, and is involved as a business consultant specializing in tax incentives and corporate finance as well as an associate with a network marketing organization. EPS Wealth Management is a small, supported registered investment advisor managing approximately $30.1 million for about 299 clients. The firm provides wealth management, financial planning, and portfolio management services for individuals, high-net-worth clients, trusts, estates, charitable organizations, and small businesses, employing a long-term investment approach that incorporates both fundamental and technical analysis.

Anne Ertel Sawasky is a financial advisor with Unique Investment Advisors, LLC and holds the ChFC®, Series 63, and Series 65 designations. She has 10 years of industry experience and has worked at Unique Investment Advisors since 2025. She is also the owner and attorney of Sawasky Law LLC, a law practice established in 1997, and is involved with Quo Vadis Solutions LLC, a business consulting and insurance services firm. Unique Investment Advisors provides co-advisory investment advice and retirement-plan services to individuals, corporations, business entities, and plan sponsors. The firm collaborates with a third-party platform to implement investment strategies based on Modern Portfolio and Efficient Market principles, while supporting clients through education, policy development, and account reviews.