Miguel Duarte is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and four years of industry experience. Prior to joining Commonwealth, he worked at Custom Financial Design and has a background that includes ownership of a musical entertainment business, Mariachi Estrellas Musicales, LLC. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $200 billion in client assets. The firm provides a broad range of managed-account programs, third-party asset manager access, and custodial services, supporting both individual and institutional clients.

Raguel Shaw is a financial advisor with United Planners Financial Services of America and holds Series 63 and Series 65 licenses. He has one year of industry experience, including a prior role at The Vanguard Group. Outside of his advisory work, Shaw is involved in real estate sales and property management through his own business, Raguel Shaw Real Estate/TCT Real Estate. United Planners Financial Services serves a diverse client base, including individuals, corporations, charitable organizations, and institutional clients. The firm operates an open-architecture platform offering financial planning, portfolio management, retirement plan services, and brokerage solutions through a network of 477 independent advisors.

Brad Baker is a Certified Financial Planner (CFP®) with 36 years of industry experience. He has worked at Kestra Advisory Services LLC and Kestra Investment Services LLC since 2021, following prior roles at PNC Investments and BBVA-affiliated firms. In addition to his advisory work, he operates a tax and accounting practice handling fewer than 30 tax returns annually. Kestra Advisory Services provides investment advisory and retirement plan consulting to a diverse client base, including institutional investors and plan sponsors. The firm offers fiduciary services, plan design, and benchmarking, supporting investments through due diligence and multiple management platforms.

Leslie Vipond is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 66 licenses and has 28 years of industry experience. She has worked at Charles Schwab since 2010 and with Schwab Wealth Advisory since 2012. Based in Phoenix, AZ, she provides investment advice primarily through the Schwab Wealth Advisory program. Schwab Wealth Advisory, Inc. offers non-discretionary fiduciary investment advice to clients enrolled in its program, providing annual financial reviews and investment recommendations across various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice through standard asset allocation models and research tools, while final trading decisions remain with clients.

Michael Eriquez is a financial advisor with Creative Planning in Phoenix, AZ, holding Series 63 and Series 65 licenses and four years of industry experience. His prior roles include positions at SageView Advisory Group, Equitable Advisors, and Fullerton Financial Planning. Outside of finance, he has worked in education at Phoenix Christian Preparatory School and has experience in small business operations including Java Grounds and A2Z Cabinets and Floors. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to individuals, pension plans, trusts, and corporations. The firm employs a financial-planning-led investment approach emphasizing low-cost indexing, buy-and-hold strategies, and incorporates private market investments, serving a broad client base with over $295 billion in assets under management.

Jacob Howard is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab & Co., Inc. since 2019. Prior to joining Schwab Wealth Advisory in 2022, he was employed at Grand Canyon University for one year. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations. The firm uses Charles Schwab’s research tools and standard asset allocation models, with advisors recommending investments while clients retain final trading decisions.

Austin Johnson is a financial advisor with Creative Planning, holding Series 63 and Series 66 credentials and 12 years of industry experience. His prior roles include positions at Morgan Stanley, E*TRADE, and Fidelity. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to individuals, pension plans, trusts, foundations, and corporations. The firm employs a financial-planning-led investment approach emphasizing low-cost indexing, buy-and-hold strategies, and selective private market exposure, managing approximately $295.6 billion in client assets.

Ammiel Banayat is a CFP® professional with nine years of industry experience, currently serving at Schwab Wealth Advisory Inc. since 2019. He also serves as a Captain and Company Commander in the Arizona Army National Guard, where he is involved in explosive ordnance disposal operations. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering a range of services including financial reviews, retirement planning, and investment recommendations through Schwab's proprietary research and allocation models.

David Finger is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and one year of industry experience. Prior to joining Schwab Wealth Advisory, he worked at Charles Schwab & Co., Inc., Right Start Mortgage, Inc., and Carrington Mortgage Services, LLC. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement and planning discussions, and investment recommendations across a broad range of securities. The firm operates within the Schwab ecosystem, using standard asset allocation models and research tools, and does not exercise discretionary trading authority.

Scot Shyman is a CFP® professional with 39 years of experience, currently serving at Commonwealth Financial Network since 2003. He is also associated with Camelback Retirement Planners. Shyman is involved in managing fixed insurance products and is a member of SHYCUS, LLC, an entity that processes expenses related to securities business. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and comprehensive back-office support, including operations, trading, technology, investment management, and compliance services.

Richard Beckley is a CFP® professional with 37 years of industry experience. He is currently affiliated with Primerica Advisors and Park Avenue Securities, having worked with Primerica since 1999 and Guardian Life Insurance Company since 1998. Beckley also engages in the sale of insurance products beyond Guardian Life. Park Avenue Securities serves a diverse retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers both brokerage and advisory services, utilizing a range of proprietary and third-party investment strategies across various account types.

Brent Thurber is a Financial Consultant currently working at Fidelity Investments since 2022. He has 27 years of experience in the financial industry and specializes in developing tailored financial plans by partnering with clients to understand their individual goals and needs. Prior to his current role, Brent served as a Wealth Advisor at USAA from 2014 to 2022 and as a Vice President Financial Consultant at Charles Schwab from 1999 to 2014. He holds a California Insurance License. Outside of his professional career, Brent has personal interests that include the beach, fitness, and military service.

Martin Czerwonka is a financial advisor at Schwab Wealth Advisory with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has held roles at Schwab Wealth Advisory Inc., Charles Schwab & Co., and USAA-affiliated firms since 2004. Outside of his advisory work, he manages a vacation cabin that he occasionally lists on Airbnb. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its Schwab Wealth Advisory program, offering financial reviews, retirement and planning discussions, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem and delivers advice through standardized asset allocation models and research tools, with final trading decisions made by clients.

Sarah Stevenson is a financial advisor at Brookstone Capital Management LLC with one year of industry experience. She holds Series 65 and Series 63 licenses and previously worked at Capital Insight Partners and The Vanguard Group, Inc. In addition to her advisory role, she is a Pilates instructor at Reformed Pilates in Scottsdale, AZ, and has experience as a contracted clothing model with Arizona Model Management. Brookstone Capital Management provides fee-based asset management and financial planning to individuals, retirement plans, corporations, trusts, and other business entities. The firm employs strategic and dynamic asset-allocation models, utilizes various investment vehicles including ETFs and structured notes, and serves as a sub-advisor to other advisory programs.

Harley Eisner is a financial advisor at Empower Advisory Group in Phoenix, AZ, holding Series 63 and Series 65 designations with 23 years of industry experience. His prior roles include positions at ING Funds Distributor and John R. Flynn CPA, P.C. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage account holders, delivering services through integrated recordkeeping and administrative platforms.

Anthony Villari is a Series 66-licensed financial advisor with Empower Advisory Group in Surprise, Arizona. He has one year of industry experience, having previously worked at Republic Finance and held various roles in education and finance since 2017. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain IRA and retail brokerage account holders. The firm delivers integrated services through Empower’s administrative platforms, emphasizing long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.

David Baratta is a financial advisor at Mercer Global Advisors Inc. in Phoenix, AZ, holding a Series 65 designation with 20 years of industry experience. He was previously with Waypoint Capital Advisors for 19 years before joining Mercer in 2024. Mercer Global Advisors provides investment advisory and planning services to individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm employs a Modern Portfolio Theory-based approach focused on globally diversified, risk-appropriate portfolios with multi-factor tilts, offering a range of investment implementation options and complementary financial planning and consulting services.

Anne Sailer is a financial advisor at Schwab Wealth Advisory with 23 years of industry experience. She holds the ChFC® designation as well as Series 63 and Series 65 licenses. Before joining Schwab in 2019, she worked at USAA in various financial advisory and investment management roles for 12 years. Outside of her advisory work, she is an author of non-financial books, including journals and guides on topics such as quilting and children’s literature. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using standardized asset allocation models and research tools. The firm conducts annual account reviews and delivers investment recommendations across a broad range of securities, while clients retain final trading decisions.

Heidi Joslin is a financial advisor at Independent Financial Partners with 8 years of industry experience. She holds Series 66 and Series 63 licenses and previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Outside her advisory role, she is involved in business development and client services at Cogent Wealth Management. Independent Financial Partners is a multi-advisor platform offering investment advisory, financial planning, trust, and retirement-plan services to individual, charitable, corporate, and high-net-worth clients nationwide. The firm supports both individual and centralized investment strategies and is noted for its formal retirement-plan advisory and pension consulting capabilities.

Rebecca Kennell is a CFP® professional with 25 years of experience in the financial services industry. She has been with Commonwealth Financial Network since 2004. Outside of her advisory role, she is involved in music and entertainment as a consultant and owns Musica, LLC, a concert production and support company. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides advisory programs, wealth management, and retirement plan consulting, supporting advisors with operations, trading, technology, investment management, compliance, and practice management.