Caterina Costante is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 66 designations and 27 years of industry experience. Her prior roles include positions at Transamerica Life Insurance Company, Empower Retirement Services, and Cuna Mutual Group. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education services. The firm uses proprietary portfolio construction tools and third-party expertise to provide asset allocation and retirement guidance for a large client base.

David Williams is a financial advisor with J. W. Cole Advisors, Inc. in Phoenix, AZ, holding the CFP® designation and Series 63 and 65 licenses. He has 14 years of industry experience, including seven years at Ohio National Financial Services and THE O.N. Equity Sales Company. Outside of his advisory role, he serves as Vice President at Freedom Point Financial Services, Inc. J. W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a network of over 400 independent representatives. The firm provides portfolio management, fee-based financial planning, and access to various managed account solutions, implementing investment decisions through discretionary or non-discretionary approaches.

Robert Little is a financial advisor with PlanMember Securities Corporation in Tacoma, WA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. Since 2013, he has worked with Northwest Advisor Group and PlanMember, alongside operating his own advisory and insurance businesses focused on securities and fixed indexed annuities. PlanMember provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans and offering participant-level investment options. The firm’s investment approach emphasizes strategic asset allocation and risk-based mutual fund portfolios, supported by education and support services for plan sponsors and participants.

Kathleen Nemetz is a CFP® with 21 years of industry experience. She is affiliated with Stratos Wealth Partners, Ltd and LPL Financial since 2019 and has previously worked at Mcclurg Capital Corporation, Ameriprise, and Merrill. Nemetz operates Nemetz Advisory Services LLC, a business entity focused on tax and investment purposes. Stratos Wealth Partners, Ltd. is an SEC-registered enterprise advisor with approximately 379 advisors and $18.6 billion in assets under management. The firm serves a diverse client base including individuals, retirement plans, corporations, nonprofits, and institutional clients, offering a range of advisory services through an open-architecture platform and both discretionary and non-discretionary portfolio management.

Aaron Johnson is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding CFP® and CFA® credentials and possessing 12 years of industry experience. His prior work includes roles at Atlas Private Wealth Management, LLC, and his own firm, Aaron L. Johnson & Company. Wealth Enhancement Advisory Services provides financial planning and asset management services to individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets through a broad advisor network, employing a diversified investment approach that combines passive and active management overseen by an internal Investment Committee.

Timothy Tracy is a CFP® professional with 39 years of industry experience, currently serving at Independent Financial Group, LLC since 2022. His prior roles include positions at NPB Financial Group LLC, Associated Securities Corp., Associated Planners Investment Advisory Inc., and Sentra Securities Corporation. Outside of his advisory work, he is also licensed as an insurance agent. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and corporate entities. The firm employs a range of portfolio management strategies and combines both passive and active investment exposures within a framework of ongoing due diligence.

Cindy Crossett is a CFP® and ChFC® with 14 years of industry experience. She has worked at J.W. Cole Advisors, Inc. since 2018 and previously held roles at Oneamerica Securities and Geronimo Financial LLC. Outside of her advisory work, she serves as Vice Chair of the Greater Cottonwood Chamber of Commerce and is a board member and Referral Master for the Sedona Referrals Club. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm provides portfolio management, fee-based financial planning, access to third-party managers, and multiple managed account solutions.

Joel Harworth is a financial advisor with Centaurus Financial, Inc. in Prescott, AZ, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with Centaurus Financial since 2016. Outside of his advisory role, he is involved in Hope Cafe And Catering, where he works as a line cook and helps with event catering, and he provides estate planning coordination and Medi-Cal benefits planning through separate non-investment-related activities. Centaurus Financial, Inc. serves a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers both discretionary and non-discretionary portfolio management and employs a variety of investment approaches, including fundamental and technical analysis, as well as access to third-party overlay managers and select non-traded alternative investments.

Jodi Padgett is a CFP® with 30 years of industry experience, currently serving as a financial advisor at Independent Financial Group, LLC since 2019. She previously worked at Taylor and Padgett Financial Group LLC for 12 years and Royal Alliance Associates, Inc. for 24 years. Padgett is also a 50% owner of Padgett & Perea LLC, which provides tax preparation, accounting, and bookkeeping services, and a 50% owner of Painted Lady Vineyard LLC. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth clients, trusts, corporate and pension plans, and charitable organizations. The firm employs a combination of strategic asset allocation, multi-manager portfolios, and both passive and active investment exposures to tailor client strategies using firm- and third-party models.

Rhonda Chavez Payne is a financial advisor with Stratos Wealth Partners, Ltd, holding a Series 66 designation and 22 years of industry experience. She has worked at Stratos Wealth Partners, LPL Financial, Wells Fargo Clearing, A. G. Edwards & Sons, Inc., and Wells Fargo Investments. Outside of her advisory role, she is involved with Teamwork Apparel, LLC, a small home-based business venture. Stratos Wealth Partners is an SEC-registered enterprise advisor with approximately 379 advisors managing around $18.6 billion in assets. The firm serves individuals, retirement plans, corporations, nonprofits, and institutional clients, offering customized portfolio management and a range of financial planning services through an open-architecture model that integrates multiple third-party platforms and investment managers.

Lisa Sakai is a financial advisor at Integrated Wealth Concepts LLC with 14 years of industry experience. She holds Series 63 and Series 65 designations and previously worked at MML Investors Services LLC, MassMutual Life Insurance Company, and Signature Resources Capital Management, LLC. Outside of advising, she contributes as a mentor for SCORE and participates in speaking engagements. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services using customized portfolios primarily composed of mutual funds, ETFs, individual equities, and fixed income.

Kevin Pitts is a financial advisor with Stratos Wealth Partners, Ltd., holding Series 65 and Series 66 registrations and 22 years of industry experience. He has worked at Stratos Wealth Partners and LPL Financial since 2015. Stratos Wealth Partners, Ltd. is an SEC-registered enterprise adviser with approximately 379 advisors and $18.6 billion in assets under management. The firm serves a diverse client base—including high-net-worth individuals, retirement plans, corporations, nonprofits, and institutional clients—offering customized portfolio management and financial planning through an open-architecture platform that integrates multiple third-party managers.

Michael Ebenhoch is a financial advisor with PNC Wealth Management in Dewey, AZ, holding Series 63, 65, and 66 licenses and bringing 27 years of industry experience. His prior roles include positions at Northwestern Mutual Investment Services, STIRA STEADFAST Capital Markets Group, LPL Financial, and Merrill. Outside of finance, he operates Mike's Handyman Services. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital, discretionary investment platform available by invitation to PNC employees. The firm uses algorithm-driven model selection and delegates portfolio execution and proxy voting to third parties.

Michael Woods is a financial advisor with Stratos Wealth Partners, Ltd, holding Series 63 and Series 66 credentials and 28 years of industry experience. He has been with Stratos and LPL Financial since 2015, and previously worked at Wells Fargo Clearing from 2011 to 2015. Woods is also involved in a non-investment business entity for tax and investment purposes, Woods Financial LLC. Stratos Wealth Partners is an SEC-registered enterprise adviser with approximately 379 advisors and $18.6 billion in assets under management. The firm serves a diverse client base, including high-net-worth individuals, retirement plans, corporations, nonprofits, and institutions, offering a range of services such as advisor-managed portfolios, financial planning, third-party manager programs, and outsourced CIO solutions. Its model supports independent advisers utilizing an open-architecture platform that integrates multiple third-party managers and custodians.

Bree Perea is a financial advisor with Independent Financial Group, LLC, holding a Series 66 designation and bringing 11 years of industry experience. Prior to joining Independent Financial Group in 2019, she worked at Royal Alliance and Taylor & Padgett Royal Alliance. She is a 50% owner of Padgett & Perea LLC, a firm providing bookkeeping, accounting, and tax preparation services. Independent Financial Group, LLC offers investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and institutional accounts. The firm employs a combination of strategic asset allocation, multi-manager portfolios, and ongoing manager due diligence, utilizing both passive and active investment exposures.

Joseph Glomski is a CFP® and holds a Series 66 license with three years of industry experience. He is currently with Independent Financial Group, LLC and has prior work experience at Cambium Wealth and Legacy Strategies. His background also includes roles outside finance, such as positions at Reliance Printing Solutions and Page Springs Vineyards. Independent Financial Group, LLC provides investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth clients, trusts, and corporate plans. The firm offers financial planning and portfolio management through various platforms and uses a combination of firm- and third-party models to create tailored investment strategies.

David Reardon is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. He has a background spanning over a decade at both firms. In addition to his advisory work, he provides financial education workshops to groups and organizations. Park Avenue Securities LLC, doing business as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients with brokerage services, financial planning, retirement consulting, and a range of investment advisory programs.

Harold Durbin is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and Jpmorgan Chase Bank since 2024. Prior to that, he spent three years at Wells Fargo Clearing Services and eight years at Wells Fargo Bank. Outside of finance, he was involved with HD Glass Art LLC from 2020 to 2022. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset allocation, manager selection, and customized reporting. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Janet De Vries is a financial advisor with LPL Financial in Prescott, AZ, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. Her career includes positions at Ameriprise, Merrill, and UBS Financial Services prior to joining LPL Financial in 2013. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives and various operational and research tools.

Robert Westerhoff is a Certified Financial Planner (CFP®) at Edward Jones with four years of industry experience. Prior to joining Edward Jones, he worked for five years at J.P. Morgan Securities LLC. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices.