Trevor Hardee is a financial advisor at TIAA-CREF with eight years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at Charles Schwab, Schwab Wealth Advisory, and several other firms before joining TIAA-CREF. In addition to his financial services career, he has been involved with Andaz Scottsdale Resort and Bungalows since 2025. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and managed account programs primarily to individuals connected to TIAA-administered retirement plans, as well as to trusts, estates, and corporate entities. The firm distinguishes between one-time planning services and ongoing discretionary portfolio management, using both model and customized portfolios.

Robert Cherry is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. He previously worked at The Vanguard Group and has experience teaching finance as an adjunct professor at Grand Canyon University. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools to offer investment recommendations and annual financial reviews.

Nicholas Harper is a financial advisor with Schwab Wealth Advisory and holds Series 63 and Series 65 licenses. He has 25 years of industry experience, including roles at Charles Schwab, Bank of America, Merrill, and Cetera. He is based in Phoenix, AZ. Schwab Wealth Advisory 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 charge clients directly for advisory services.

James Blaine is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. He has worked for Charles Schwab and TD Ameritrade in various roles since 2009. Schwab Wealth Advisory, Inc. 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 proprietary research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, distinguishing its operating model from many enterprise wealth managers.

Lisa Mc Clelland is a financial advisor with Principal Financial Services in Glendale, AZ, holding a Series 66 designation and six years of industry experience. Her prior experience includes roles at Principal Life Insurance Company, Thrivent Financial, and Nationwide Insurance. Outside of finance, she has participated as a product tester for skincare products and worked event staff for NASCAR car racing events. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty U.S. military personnel abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions through various advisory and promoter arrangements.

Neil Teubel is a financial advisor at Corient with 14 years of industry experience. He holds the CFP® designation and Series 65 license. His prior work includes over a decade at Balasa Dinverno Foltz LLC before joining Corient and its related entities. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and corporate entities. The firm utilizes a goals-based, team investment approach that combines in-house strategies with third-party managers and employs risk management tools and alternative investments when appropriate.

Samantha Isherwood is a financial advisor at Schwab Wealth Advisory with three years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Charles Schwab, Sodexo, Grand Canyon University, and Sharlot Hall Museum. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates within the Schwab ecosystem and does not charge clients directly, distinguishing its advisory approach from many other enterprise wealth managers.

Brian Ford is a financial advisor with TIAA-CREF in Phoenix, AZ, holding Series 63 and Series 66 designations and 17 years of industry experience. He has been with TIAA-CREF since 2015. He is listed as the owner of a legacy LLC that is currently inactive. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning, discretionary managed account programs, and broker-dealer services to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm also serves as adviser to a donor-advised fund and operates within a vertically integrated group using affiliated funds.

Brianna Steffes is a financial advisor with Principal Financial Services in Glendale, AZ, holding Series 65 and Series 63 licenses and three years of industry experience. Her prior roles include positions at Cruz Financial Group, Principal Life Insurance Co., and JetBlue Airways. She serves as Vice Chair on the board of the Area Agency on Aging, supporting its leadership and fiduciary responsibilities. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Andrew Porter is a CFP® with 19 years of industry experience, currently serving with Schwab Wealth Advisory, Inc. since 2025. He has been affiliated with Charles Schwab & Co., Inc. since 2016, including a prior role at Schwab Private Client Investment Advisory, Inc. in 2016. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations. The firm uses Schwab’s asset allocation models and research tools, with advisors recommending allocations but leaving final trading decisions to clients.

Phillip Vetter is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Ameritas Advisory Services since 2021 and is also the owner and managing partner of Arizona Advisors LLC, a firm engaged in the sale of fixed insurance products. Vetter is licensed as an independent insurance agent for fixed insurance products. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to individuals, charitable and corporate entities, and retirement plans. The firm offers fee-based asset management, retirement-plan advisory, and fiduciary services, utilizing model portfolios, third-party sub-advisers, and custom strategies, with a focus on comprehensive plan consulting and client reviews.

Christopher Thomas is a financial advisor at AE Wealth Management, LLC with one year of industry experience. He holds a Series 65 designation and has worked previously at Dare To Retire U and Hybrid Retirement Solutions LLC DBA Oxford Retirement & Estate Planning. Outside of advisory roles, he teaches classes through Dare To Retire U. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a platform-centered approach with model portfolio solutions, discretionary asset management, financial planning, and plan services, supporting a high client load per advisor and a complex affiliate structure.

Kathleen Cashatt is a CFP® professional with 23 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory in Phoenix, AZ. Her prior experience includes roles at Charles Schwab and USAA financial planning services. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across various asset types. The firm functions as an internal advisory unit within the Schwab ecosystem, delivering advice using Schwab’s asset allocation models and research tools without exercising discretionary trading authority.

James Kimmel is a financial advisor at Independent Financial Partners with over 31 years of industry experience. He has held roles at IFP Securities, LLC and LPL Financial, LLC, and has operated his own firm, James F. Kimmel & Associates, Inc., since 1989. In addition to his advisory work, Kimmel is involved in tax preparation, accounting, and forensic audits through his company James F. Kimmel & Associates, Inc. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm supports a multi-advisor platform and offers decentralized investment strategies, as well as a notable formal retirement-plan advisory and pension consulting capability.

Andrew Cocchia is a financial advisor at Schwab Wealth Advisory with 22 years of industry experience. He holds the CFP® designation along with Series 63 and Series 66 licenses. Prior to joining Schwab Wealth Advisory and Charles Schwab in 2022, he worked at The Vanguard Group for 18 years. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers financial reviews, planning discussions, and investment recommendations using Charles Schwab’s asset allocation models and research tools, while leaving final investment decisions to clients.

Rune Nordhagen is a financial advisor at Schwab Wealth Advisory with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab in various capacities since 2007. Outside of his advisory role, he has owned and operated laundromats and has experience as a small business owner. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools. The firm recommends investments while clients retain final trading decisions and conducts at least annual account reviews.

Timothy Kee is a CFP®-certified financial advisor with 28 years of industry experience, currently serving at Schwab Wealth Advisory in Phoenix, AZ. He has been with Charles Schwab and its affiliated entities since 2000, including nine years at Schwab Private Client Investment Advisory, Inc. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering 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 and does not exercise discretionary trading authority for client accounts.

Kevin Gotwalt is a financial advisor at Primerica Advisors with 19 years of industry experience. He holds a Series 66 designation and has worked with Park Avenue Securities and Guardian Life Insurance Company since 2006. Outside of his advisory role, he is involved in providing insurance services including health, life, disability, annuities, and long-term care insurance through other companies. Primerica Advisors serves a diverse retail client base, offering brokerage and advisory services along with financial planning and consulting. The firm employs a range of investment strategies through proprietary and third-party portfolios and supports various account-level services including lending solutions and donor-advised funds.

Johnnie Harris is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. Prior to joining Schwab Wealth Advisory in 2021, Harris worked at Financial Engines Advisors L.L.C., Sagepoint Financial, Inc., and Advisor Group in Arizona. Outside of financial advising, Harris is a part owner of Robinson Airport Shuttle, a transportation business in Gary, Indiana. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing standardized asset allocation models and Schwab research tools to deliver tailored investment recommendations while leaving final trading decisions to clients.

Thomas Ellis is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 65 and Series 63 licenses and bringing 10 years of industry experience. His prior work includes roles at Transamerica Financial Advisors, World Financial Group, and several technology companies such as Uber, Lyft, and Postmates. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners by providing managed advice programs and investment education, relying on Morningstar Investment Management for portfolio construction and oversight.