Dana Payne is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. He has been with Commonwealth since 2011. Outside of advisory services, he is involved in fixed insurance sales as an agent under the name C.W.F. Financial. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and support services, including discretionary model portfolios and various customized investment solutions, while enabling affiliated advisors to operate under their own branding within Commonwealth’s supervisory framework.

Jacob Nordquist is a CFP®-designated financial advisor with Schwab Wealth Advisory in Phoenix, AZ, bringing three years of industry experience. Before joining Schwab, he worked in the restaurant industry, including roles at Gen Korean BBQ and PK Shabu. 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 planning discussions, and investment recommendations utilizing 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.

Siobhan Collins is a financial advisor at Wealth Enhancement Advisory Services, LLC with 12 years of industry experience. She holds the CFP®, ChFC®, and Series 63 designations. Prior to joining Wealth Enhancement Advisory Services in 2025, she worked at The Vanguard Group for eight years and had roles at Robert W. Baird & Co. and as a self-employed advisor. Wealth Enhancement Advisory Services offers financial planning, asset management, and retirement-plan consulting for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and utilizes a diversified, risk-class based investment approach combining passive and active managers with quantitative, momentum, and fundamental analysis.

Michael Gobbato is a financial advisor at TIAA-CREF with 17 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Morgan Stanley Private Bank and USAA Financial Advisors. Outside of his advisory work, he is the COO of Ambitious Stryk LLC, a soccer clothing vendor for a yearly soccer tournament. TIAA-CREF Individual & Institutional Services provides financial planning and managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm offers both point-in-time planning services and ongoing discretionary portfolio management, with a fiduciary standard applied to its advisory services.

Abigail King is a financial advisor at Schwab Wealth Advisory with a Series 66 license and two years of industry experience. Prior to joining Schwab, she held positions in education and worked with organizations such as Learn 2 Rip Surfing and Ocean Academy and Stryve Foods. 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 research tools and asset allocation models. The firm operates as an internal advisory unit within Charles Schwab, focusing on client-directed investment decisions without discretionary trading authority.

Marc Braden is a financial advisor with Eagle Strategies (New York Life) based in Phoenix, AZ. He holds the Series 63 and Series 65 credentials and has 24 years of industry experience. Braden has been with Eagle Strategies since 2012 and with New York Life since 2001. Eagle Strategies serves a diverse client base including individuals, institutional investors, and plan sponsors, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and primarily manages assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Craig Liguori is a financial advisor with First Command Advisory Services in Phoenix, AZ, holding a Series 66 credential and 12 years of industry experience. Prior to joining First Command in 2019, he worked at Bank of America and Merrill from 2015 to 2019. Outside of advisory work, he has part-time roles as a driver for both Lyft and Uber. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs, utilizing a centralized Investment Management Team that selects model portfolios and third-party managers from prescreened lists.

Cheryl Bodwin is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has been with Charles Schwab and its affiliated advisory firms since 1999. 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 primarily based on Schwab’s proprietary research and asset allocation models.

Soren Van Houten is a CFP® professional with five years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior experience includes roles at The Vanguard Group and self-employment in e-commerce, where he sells clothing online through platforms like Mercari and eBay. He is based in Phoenix, AZ. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using standard asset allocation models and Schwab research tools to support investment recommendations. The firm operates within the Schwab ecosystem and focuses on annual account reviews without discretionary trading authority.

Eric Mcdowell is a financial advisor at TIAA-CREF with 15 years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. Mcdowell is an owner of a long-term rental property in Scottsdale, Arizona. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and managed account programs for individuals, trusts, estates, and small retirement plans, often serving clients with existing TIAA-administered employer retirement plan relationships. The firm provides discretionary portfolio management through model and customized portfolios while acting as adviser to a donor-advised fund.

Hannah Krumreich is a CFP® professional with 11 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory. She has prior experience with JP Morgan Securities LLC and Fidelity Brokerage Services LLC. Her career includes various roles within Charles Schwab entities dating back to 2018. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, serving clients with investment recommendations and annual financial reviews using Charles Schwab’s 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.

Elizabeth Duran is a financial advisor at Schwab Wealth Advisory with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has previous roles at Wells Fargo Bank, Bank of America, and Merrill. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, focusing on 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 provide discretionary portfolio management.

Mubera Madar is a CFP® professional with 26 years of industry experience, currently serving at Schwab Wealth Advisory since 2022. She has been associated with Charles Schwab in various capacities since 2000. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab’s asset allocation models and research tools, with an emphasis on client-directed final trading decisions.

Jacob Guttman is a financial advisor with CWM, LLC based in Phoenix, AZ. He holds Series 63 and Series 65 licenses and has nine years of industry experience. His prior roles include positions at Rosevest Financial, Geneos Wealth Management Inc, and United Planners. Outside of advisory work, he manages several business ventures including JAG Ventures LLC, Guttman Tax Advisory Group LLC, and Guttman Financial Group. CWM, LLC is an SEC-registered investment adviser serving a diverse client base that includes individuals, high-net-worth families, foundations, and institutional clients through a network of more than 600 advisors. The firm offers portfolio management, financial planning, and retirement-plan services, utilizing an investment approach that combines fundamental and technical analysis, third-party sub-advisors, and customization tools.

Chadi Mneiny is a CFP® with nine years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. He previously worked for The Vanguard Group, Inc. for over eight years before joining Charles Schwab & Co., Inc. and Schwab Wealth Advisory in 2026. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice primarily to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools to support client-directed investment decisions. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, distinguishing its service model from many other wealth managers.

Tod Ross is a financial advisor with Principal Financial Services in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. His prior roles include positions at Equitable Advisors, Allstate Financial Services, PFS Investments, and Primerica Financial Services. He is also registered as a representative for fixed insurance products such as life, disability, annuities, and long-term care. Principal Securities provides brokerage and registered investment advisory services to a wide range of clients, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers financial planning, retirement plan consulting, and access to third-party money manager solutions, utilizing both adviser and promoter arrangements to support client investment management.

James Hebets II is a financial advisor with Kestra Advisory in Phoenix, AZ, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has been with Kestra Advisory since 2016 and Kestra Investment Services, LLC since 2012. Outside of advisory work, Hebets serves on multiple nonprofit boards including Future For Kids, Honor Health Foundation, and Finseca Foundation, and he is the owner and CEO of Life Masters Classes, a lead generation and education content business. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base, including institutional and individual investors. The firm offers fiduciary consulting, plan design, employee education, and access to multiple management platforms, serving large clients such as sovereign wealth funds and pooled employer plans.

Hunter Giboney is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. His prior experience includes roles at Charles Schwab, Charles Schwab Bank, Ameriprise Financial Services, Zeiders Enterprises, and AllState Insurance Company. He holds Series 63 and Series 66 registrations. 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 operates as an internal advisory unit within the Schwab ecosystem, delivering advice through standardized asset allocation models while leaving final trading decisions to clients.

Rylee Good is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and based in Phoenix, AZ. Good has one year of industry experience and previously worked in the food service industry before entering financial services. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering services such as financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates internally within the Schwab ecosystem and does not charge clients directly for its services.

Robert Zinn is a financial advisor with Transamerica Retirement Advisors, LLC in Goodyear, AZ, holding Series 63 and Series 65 licenses and seven years of industry experience. His prior roles include positions at The Vanguard Group, Mass Mutual, and Mutual of Omaha. Transamerica Retirement Advisors serves employer-sponsored retirement plan participants and IRA owners through managed advice programs and investment education services, employing proprietary tools from Morningstar Investment Management for portfolio construction and oversight. The firm operates at scale with over 200,000 clients and focuses on non-discretionary asset management rather than high-net-worth or standalone financial planning.