Gavin Tolan is a financial advisor with SPC based in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He previously worked at SCF Investment Advisors, Inc. and SCF Securities, Inc. for eight years. Outside of his advisory role, he coaches high school athletics at Arcadia High School. SPC provides investment management, financial planning, and retirement-plan advisory services to a diverse client base, including individual investors, employer-sponsored retirement plans, charitable organizations, and corporate clients. The firm delivers tailored investment advice through a large network of advisors and offers multiple account programs supported by Fidelity/NFS custody and execution services.

Alan Schmidt is a financial advisor at Osaic Advisory Services, LLC with 20 years of industry experience. He holds Series 65 and Series 66 licenses and has worked at firms including Woodbury Financial Services, Bank of America, Merrill, and U.S. Bancorp Investments. Outside of advising, he is involved in remodeling sales with Dreamstyle Remodeling and owns a life insurance business focused on client needs and policy setup. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving a diverse client base ranging from individuals and high-net-worth clients to pension plans, corporations, and charitable organizations. The firm offers a variety of investment and financial planning services delivered through multiple program models, utilizing proprietary and third-party platforms to manage and monitor client portfolios.

Corey Jones is a CFP® with 15 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory since 2016. He is also a member of Creative Inspiration, LLC, a freelance journalism and project management business started by his wife, in which he holds a non-paid membership role. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across a range of securities. The firm operates within the Schwab ecosystem and uses standard asset allocation models and research tools, leaving final trading decisions to clients.

Teresa Brock is a financial advisor with Voya Financial Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. Her prior roles include positions at CUSO Financial Services, AXA Advisors, and Flexible Plan Investments. She serves as the recording secretary for the Rancho Buena Vista Chapter of the Daughters of the American Revolution. Voya Financial Advisors, Inc. serves a diverse client base including individuals, retirement plan sponsors, charitable organizations, corporations, and high-net-worth individuals. The firm offers financial planning, portfolio management, wrap programs, third-party money manager access, and plan-sponsor consulting, primarily delivering advice through non-discretionary, recommendation-based relationships.

Marvin Rosales is a Series 66-licensed financial advisor with eight years of industry experience. He is currently with PNC Wealth Management and has held prior roles at Fidelity Investments, Edward Jones, U.S. Bank, Amazon, Bank of America, and Merrill. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a discretionary digital portfolio solution available by invitation to PNC Bank employees. The firm employs algorithm-driven model selection and relies on third-party managers for portfolio implementation and proxy voting.

Ken Ihori is a financial advisor with Centaurus Financial, Inc. based in Glendale, AZ, holding Series 63, 65, and 66 licenses and with 29 years of industry experience. He has been with Centaurus Financial since 2011. Outside of advising, Ihori is involved in selling fixed life insurance, modeling for print ads, television, and video, and provides business consulting services focused on marketing, sales training, and systems analysis. Centaurus Financial, Inc. serves a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers a range of advisory and brokerage services, employing various investment strategies and providing both discretionary and non-discretionary portfolio management.

Malia Sperling is a financial advisor with Eagle Strategies (NY Life) based in Phoenix, AZ. She holds Series 63 and Series 65 licenses and has five years of industry experience. Prior to her current roles, she has been associated with New York Life Insurance Co. and NYLIFE Securities LLC since 2020. Outside of advising, she is an owner and board member of SPX Productions LLC, a video marketing and advertising company. Eagle Strategies serves a broad range of individual and institutional clients, offering financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and manages a significant portion of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Tatiana Brownell is a financial advisor with Schwab Wealth Advisory Inc. in Phoenix, AZ, holding Series 63 and Series 66 credentials and bringing 18 years of industry experience. She has been with Charles Schwab & Co., Inc. since 2008 and with Schwab Wealth Advisory since 2016. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its 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 approach from many other enterprise wealth managers.

Ernest Giltner is a CFP® professional with nine years of industry experience, currently serving as an advisor at Schwab Wealth Advisory in Phoenix, AZ. He has been with Schwab Wealth Advisory since 2018 and with Charles Schwab & Co., Inc. since 2017. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing standard asset allocation models and Schwab research tools to guide investment recommendations while leaving final trading decisions to clients. The firm operates as an internal advisory unit within Charles Schwab and primarily serves individual investors through annual reviews and wealth management education.

Gilberto Cuen is a CFP® professional with 11 years of industry experience, currently serving at Schwab Wealth Advisory, Inc. since 2019. He has been affiliated with Charles Schwab since 2014 and has a background that includes 15 years at CostCo. Outside of his advisory role, he is involved in buying, renovating, and selling homes. Schwab Wealth Advisory, Inc. provides non‑discretionary fiduciary investment advice to clients enrolled in its program, delivering services through Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, focusing on wealth management education and annual account reviews without discretionary trading authority.

Joseph Estrella is a CFP®-certified financial advisor with Schwab Wealth Advisory in Phoenix, AZ, with four years of industry experience. Prior to his current role, he worked at Protein Lab and has held positions in retail and food service. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its program, offering annual financial reviews, retirement planning discussions, and investment recommendations using Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within Charles Schwab and does not act as a discretionary portfolio manager.

Rick Wertheim is a financial advisor with Independent Financial Group, LLC, holding a Series 66 credential and 18 years of industry experience. His prior work history includes positions at Ameriprise, Cetera Wealth Services, Woodbury Financial Services, and Invest Financial Corporation. Outside of his advisory role, he serves as Treasurer for the Cal Poly Alumni Association. Independent Financial Group, LLC provides investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate and pension plans, and charitable organizations. The firm offers a range of financial planning and portfolio management solutions, utilizing both firm- and third-party models across active and passive strategies.

Jaime Olivas is a CFP®-certified financial advisor with seven years of industry experience, currently with Schwab Wealth Advisory in Phoenix, AZ. His prior experience includes roles at Edward Jones, Merrill, Bank of America, and other financial institutions. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations based on Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not exercise discretionary trading authority.

Harrison Smith is a financial advisor at Schwab Wealth Advisory with Series 65 and Series 63 credentials and one year of industry experience. Prior to joining Schwab Wealth Advisory, he worked at Charles Schwab and US Bank. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing standard asset allocation models and Schwab research tools. The firm serves individual investors through annual financial reviews and investment recommendations, without exercising discretionary trading authority.

Dennis Caufield is affiliated with Centaurus Financial, Inc. and holds Series 63 and Series 65 licenses. He has been with Centaurus Financial since 2025 and also operates the Law Office of Dennis Caufield, LLC, an estate planning and administration law firm he established in 2009. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse range of clients, including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management, and retirement-plan consulting through both discretionary and non-discretionary arrangements.

John Pyles is a CFP® with 22 years of industry experience, currently serving at T. Rowe Price Advisory Services, Inc. He previously worked at Nationwide Investment Services Corporation, CAPTrust, and The Vanguard Group. Outside of advisory roles, he is the owner and executive director of JFP Ventures, Inc., operating the Huntington Learning Center of Arizona, and serves as a board member for the Marilyn Smith and Founders' Legacy Foundation. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily to individual investors and households. The firm uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, supported by online planning tools and annual financial reviews.

Daniel Martin is a CFP® credentialed financial advisor with Schwab Wealth Advisory in Phoenix, AZ, and has 11 years of industry experience. He has worked at Schwab Wealth Advisory since 2017 and has been with Charles Schwab & Co., Inc. since 2014. 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 using Schwab’s proprietary research tools. The firm operates as an internal advisory unit within the Charles Schwab ecosystem and generally does not exercise discretionary trading authority.

Treva Ziemba is a CFP® with 29 years of industry experience, currently serving at Schwab Wealth Advisory in Phoenix, AZ. She has been associated with Charles Schwab & Co., Inc. and Schwab Wealth Advisory Inc. since 2016, alongside a decade of experience at Kohl's. Outside of her advisory role, she is president of the Scottsdale Vista North Homeowner Association and secretary for the Desert Mountain Boosters nonprofit organization. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, combining annual financial reviews with tailored investment recommendations using Schwab’s proprietary research and standard asset allocation models. The firm operates as an internal unit within the Schwab ecosystem with a cost-and-expense plus fee arrangement and does not exercise discretionary trading authority for client accounts.

Daniel Lindblad is a financial advisor with Eagle Strategies (NY Life) located in Sun City, AZ. He holds Series 63 and Series 65 licenses and has 32 years of industry experience. His career includes long-term affiliations with New York Life Insurance Company since 1987 and multiple financial entities bearing his name. Lindblad serves as a board member for Jesus Church in Phoenix, where he provides counsel to pastoral staff and participates in budget reviews. Eagle Strategies serves a wide range of individual and institutional clients, offering financial planning, investment management, and retirement-plan advisory services through a large network of affiliated representatives. The firm provides both fee-based and non-discretionary advisory solutions, tailoring recommendations to client objectives and plan sponsor criteria within an integrated New York Life affiliate structure.

Austin Schattenberg is a Series 66 licensed financial advisor with three years of industry experience. He is currently with Principal Financial Services and Principal Life Insurance Company, having previously worked at Edward Jones and Target. Outside of his advisory work, he has experience in business operations with Bongiorno Bagels. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty military personnel stationed abroad. The firm's advisory services include financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.