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 with STUDIOi, LLC in Phoenix, AZ, holding Series 63 and Series 65 designations and two years of industry experience. He previously worked at Matson Money, Inc., Voya, Gabriel Partners LLC, and Morgan Stanley. He is also involved with Ledger Foundry, LLC, which provides bookkeeping and business-finance services. STUDIOi serves individuals, pension and profit-sharing plans, small businesses, and charitable organizations, offering portfolio management, financial planning, pension consulting, and strategic financial services. The firm uses modern portfolio theory and quantitative analysis to create diversified, mutual fund–focused portfolios and emphasizes client objectives and risk tolerance through documented Investment Policy Statements.

John Kroeger is a CFP® and ChFC® with 32 years of industry experience, currently serving as the sole advisor at Personal Benefits Planning LLC since 2014. His background includes extensive work in insurance sales dating back to 1982, as well as providing legal document preparation and tax preparation services through separate self-employed ventures. Personal Benefits Planning LLC is a state-registered, single-advisor firm that provides portfolio management, financial planning, and consulting primarily to individual and some high-net-worth clients. The firm integrates tax preparation and insurance services with its investment advisory offerings and emphasizes individualized asset allocation and suitability analysis across a range of investment products.

Daniel Bustamante is the principal advisor at Bustamante & Co in Phoenix, AZ, holding a Series 65 designation with one year of industry experience. He has previously worked at Stockability LLC, Jack Grace Golf USA, and Landshark Capital LLC, and has managed Bustamante Capital LLC, a private family office and consulting firm for private companies, since 2000. Bustamante & Co provides discretionary investment management primarily through separately managed accounts to individuals, high-net-worth clients, trusts, estates, corporations, and other business entities. The firm employs a concentrated portfolio approach driven by fundamental research, utilizing event-driven ideas, macro analysis, derivatives, and sizable cash allocations, and offers both standard asset-management accounts and a separate long/short equity program available to qualified clients on a performance basis.

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.

Samuel Castaneda Jr. is a CFP® with 20 years of industry experience, currently serving as the sole advisor at Castaneda Financial Management in Phoenix, AZ. He previously worked at ARQ Wealth Advisors, LLC and LPL Financial. He is also a licensed insurance agent. Castaneda Financial Management provides discretionary portfolio management and financial planning primarily for individual and high-net-worth clients. The firm employs a multi-method investment approach and focuses on tailoring strategies to clients’ goals while maintaining a concentrated client base.

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.

Seth Rosenberg is a financial advisor at Ability First with 11 years of industry experience. He holds a Series 66 designation and has worked previously at Capital Executive Solutions, LifeMark Securities Corp., and Capital Services Inc. In addition to his advisory role, Rosenberg owns and operates a retail industrial boot store and manages some family business interests. Ability First Financial serves high-net-worth individuals, business owners, and institutional clients by providing investment supervisory services, financial planning, and business consulting. The firm combines advisory and insurance services, employs a documented fiduciary process, and offers specialized solutions including pension consulting and plan administration.

Yuanfang Zhu is a CFP® and holds a Series 65 license with two years of industry experience. Zhu has worked at Huub and Enso Financial PLC and has prior experience at Arizona State University, Baoba USA LLC, and Storck USA. Outside of advisory work, Zhu has a background that includes roles in education and business operations. Enso Financial PLC is an independent, fee-only advisory firm serving primarily individual and high-net-worth clients. The firm employs a long-term, passive investment approach centered on asset allocation and Modern Portfolio Theory, offering financial planning and discretionary portfolio management tailored to client objectives.

James Willis is the sole advisor at Beacon Bay Asset Management LLC in Peoria, AZ, holding a Series 66 designation with 23 years of industry experience. He has led Beacon Bay Asset Management since 2006. Willis also conducts educational seminars on generating income from portfolios using credit spreads on indexes, held in various cities. Beacon Bay Asset Management is an independent registered investment advisor managing approximately $26.6 million for 43 private clients, primarily individuals nearing or in retirement. The firm provides discretionary portfolio management focused on active, tactical equity strategies using quantitative, fundamental, and technical analysis, concentrating on select S&P 500 sectors with daily account monitoring.

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, holding Series 63 and Series 66 registrations and bringing 12 years of industry experience. His prior work includes roles at Securities America, Inc., PFG Advisors, and LPL Financial, LLC. Outside of advisory services, he is involved in personal protection and security sales through Countrywide Security. Thunderbird Wealth Management, Inc. serves individuals, high-net-worth clients, trusts, estates, and select institutional accounts, providing discretionary investment management and financial planning. The firm uses a top-down tactical asset allocation approach combining fundamental and technical analysis, with an emphasis on ETFs and selective equities, and sponsors 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® professional at The Freyr Group with four years of industry experience. He previously worked at Equitable Advisors and Chrysalis Wealth Management. Maxwell serves as a board member for Angels on Patrol, a nonprofit organization in Phoenix, AZ. 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 combines fundamental, technical, cyclical, and Modern Portfolio Theory analyses in its portfolio management and offers both retail and institutional services.

Keith Gregor is a CFA® charterholder based in Phoenix, AZ, with eight years of industry experience. He is currently with Fjell Capital and Drewett Works, and he founded Gregor Wealth Management LLC in 2019. In addition to his advisory work, Mr. Gregor owns a manufacturing company specializing in 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 employs a target-date, model-of-models investment approach and offers a mix of subscription-style fees and traditional billing models.

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.

Kevin Haggerty is a financial advisor with Evolution Vision Wealth Management in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing seven years of industry experience. His prior roles include positions at TNL Asset Management, Alpine Bank Wealth Management, and New York Life. Outside of advising, he is involved in business activities including minority ownership in a take-out pizza operation and a bill pay company. Evolution Vision Wealth Management provides discretionary asset management and advisory services to individuals, trusts, estates, charitable organizations, and business entities, managing approximately $65 million. The firm tailors portfolios to client objectives using a mix of asset-allocation strategies across ETFs, mutual funds, bonds, and individual securities, combining fundamental and technical analysis.

Alex Miller is a CFP® with one year of industry experience, currently affiliated with EPS Wealth Management. He previously worked at The Hebets Company and LifeBrokers. EPS Wealth Management is a small, supported registered investment advisor managing approximately $30.1 million for nearly 300 clients. The firm provides wealth management, financial planning, and portfolio management services to 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.