Ariyeh Waite is a financial advisor at Guardian Life with one year of industry experience. He holds a Series 66 credential and has previously worked at Pacific Advisors and Park Avenue Securities. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management and a subsidiary of The Guardian Life Insurance Company of America, provides brokerage services, financial planning, and retirement plan consulting to individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers both discretionary and non-discretionary advisory relationships and utilizes a variety of investment advisory programs and model portfolios.

Dennis Eckmeyer is a financial advisor with Eagle Strategies (NY Life) in Sun City, AZ, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has been with Eagle Strategies since 2019 and has worked with New York Life Insurance Company and its affiliated entities since 2004. Eagle Strategies serves a diverse range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple advisory programs tailored to client and plan sponsor objectives, with the majority of its assets managed on a non-discretionary basis.

Jordan Raymond is a financial advisor with Schwab Wealth Advisory holding a Series 66 designation and four years of industry experience. His prior roles include positions at Fidelity Investments, Northwestern Mutual, and various wealth management firms. Outside of financial services, he was involved with OHSO Brewery and Distillery for several years. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools. The firm focuses on annual reviews and investment recommendations while leaving final trading decisions to clients.

Nolan Sand is a Planning Consultant at the Peoria Investor Center, where he supports Financial Consultants in building client relationships and assisting families in working toward their financial goals. He has been in this role since 2022. His professional experience includes roles at Fidelity Investments as a Planning Consultant, and multiple positions at Charles Schwab from 2020 to 2022, including Client Relationship Specialist, High Net Worth Specialist, and Financial Services Professional. Prior to that, he worked at Harbor Investment Advisors, Desert Schools Credit Union, Desert Schools Financial Services, and Farm Bureau Financial Services in various capacities. Outside of his professional work, Nolan is interested in family activities, social events with friends, golf, and traveling.

Jason Edwards is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. He previously worked at The Vanguard Group, Inc. for 10 years before joining Charles Schwab and Schwab Wealth Advisory in 2024. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering services such as annual 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 act as a discretionary portfolio manager.

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.

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.

Kelly Richards is a financial advisor at Allworth Financial, L.P. in Phoenix, AZ, holding Series 63 and Series 65 credentials with 21 years of industry experience. Prior to joining Allworth Financial in 2021, Richards worked at First Allied Advisory Services and BHF RG Capital, among other firms. Outside of advisory work, Richards is a managing member of Dynamite Office Holdings, LLC, and a partner in It's Happening, LLC, both real estate-related entities. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm employs customized portfolios combining various model strategies, including specialized ETF approaches, and utilizes technology to manage held-away retirement accounts without client login credentials.

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 at Independent Financial Group, LLC with 18 years of industry experience. He holds a Series 66 designation and has been with Independent Financial Group since 2015. Outside of his advisory role, he serves as Treasurer for the Cal Poly Alumni Association. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser that provides brokerage, portfolio management, financial planning, and retirement plan services to individuals, charities, corporations, and plan sponsors. The firm offers a range of advisory programs through its AccessPoint platform and third-party asset managers, serving a diverse client base including high-net-worth individuals and institutional clients.

Jaime Olivas is a CFP® with seven years of experience in financial advising, currently with Schwab Wealth Advisory. His prior roles include positions at Edward Jones, Merrill, Bank of America N.A., and Charles Schwab. 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 through Schwab’s research tools and standard asset allocation models.

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.