Yvonne Dolny is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She has been with Charles Schwab and its affiliated entities since 2004, including 11 years at Charles Schwab Bank before joining Schwab Wealth Advisory in 2019. 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 across various asset classes. The firm operates within the Schwab ecosystem, using its proprietary research tools and standard asset allocation models, while clients retain final trading decisions.

David Bonar is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and 10 years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2015, including roles at Charles Schwab Bank SBB and Schwab Wealth Advisory. Schwab Wealth Advisory, Inc. 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 delivers annual financial reviews and investment recommendations while leaving final trading decisions to clients.

Heather Turner is a financial advisor at PNC Wealth Management with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at BBVA Securities Inc., BBVA Wealth Solutions Inc., Compass Bank, and BBVA Compass Insurance Agency. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital offering that uses algorithm-driven risk assessments and outsourced portfolio implementation.

Jamie Phillips is a Series 66-licensed financial advisor with seven years of industry experience. He has worked with Empower Advisory Group and Empower Financial Services since 2022, and previously held positions at Fidelity Brokerage Services and Morgan Stanley. Prior to his financial services career, he was employed at Lakeside Fitness Center for six years. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain retail brokerage clients. The firm integrates its services with Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Jake Scanlon is a financial advisor with Schwab Wealth Advisory, holding Series 66 and Series 63 licenses and bringing five years of industry experience. His prior roles include positions at Charles Schwab and The Vanguard Group. Outside of finance, he is involved in a family business that provides consulting services for home remodeling. Schwab Wealth Advisory delivers non-discretionary fiduciary investment advice to clients enrolled in its program, utilizing Schwab’s asset allocation models and research tools. The firm focuses on annual financial reviews and investment recommendations while clients retain final trading authority.

Andrew Battles is a financial advisor at Schwab Wealth Advisory with 26 years of industry experience. He has been with Charles Schwab & Co., Inc. since 2000 and with Schwab Wealth Advisory Inc. since 2012. Outside of his advisory role, he is a landlord involved in real estate. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations. The firm uses Charles Schwab’s asset allocation models and research tools, with advisors recommending investments while clients retain final trading decisions.

Daniel Baron is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked with various Schwab entities since 2010, including Schwab Private Client Investment Advisory and Schwab Wealth Advisory Inc. Outside of his advisory role, he is involved with the Cactus Combat Match League, where he assists with setting up and tearing down shooting courses for recreational shooting events. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations across various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem and does not exercise discretionary trading authority directly.

Jacob Richey is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and 11 years of industry experience. He has been with Charles Schwab and its affiliated firms since 2015. 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 using Schwab’s asset allocation models and research tools. 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 enterprise wealth managers.

Robert Pier is a financial advisor with Hightower Advisors in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. His prior roles include positions at Success Property Brokers, Your Castle Real Estate, Advisor Group Inc, and United Planners Financial Services. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals, institutions, and charitable organizations. The firm’s approach focuses on manager selection and multi-manager solutions, utilizing both affiliated and third-party managers alongside proprietary research and a wide range of investment vehicles.

Emily Stroud is a CFP® with eight years of experience in the financial services industry. She is currently with Schwab Wealth Advisory and has previously worked at Vanguard and Fidelity Investments. Her background includes roles at several major firms including Goldman Sachs and Edward Jones. 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 while recommending specific investments without exercising discretionary trading authority. The firm operates as an internal advisory unit within the Schwab ecosystem and serves individual clients through regular account reviews and wealth management education.

Charlotte Mc Gibbon is a financial advisor at Cerity Partners LLC with nine years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Morgan Stanley and The Vanguard Group, Inc. Outside of finance, she has experience in the restaurant industry, having worked at Rocco's Pizzeria and STARR Restaurants. Cerity Partners is an SEC-registered investment adviser serving a diverse client base including individuals, families, institutions, and charitable organizations. The firm provides customized portfolio management with a focus on diversified asset allocation and offers a broad range of services including financial planning, tax and insurance support, retirement plan services, and access to alternative and private-market investments.

Michael Toth is a CFP® professional with 15 years of experience in financial advising, currently with Schwab Wealth Advisory. He has worked at Charles Schwab since 2019 and previously held roles at USAA Investment Management Company and USAA Financial Advisors. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using standardized asset allocation models and Schwab research tools to guide investment recommendations, while clients retain final trading decisions.

Andrew Shand is a financial advisor with Empower Advisory Group in El Mirage, AZ, holding Series 66 and Series 63 designations and 11 years of industry experience. His prior roles include positions at The Vanguard Group and USAA, and he is the owner of Synergy Principle, LLC, a consulting business providing data analysis and advice to startups and individual entrepreneurs. Empower Advisory Group delivers financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain IRA and retail brokerage clients, using an integrated model connected to Empower’s recordkeeping and administrative platforms.

Anne Schwab is a financial advisor with Schwab Wealth Advisory, Inc. in Phoenix, AZ, holding the CFP® designation and Series 63, 65, and 66 licenses. She has 22 years of industry experience, including prior roles at Charles Schwab & Co., Inc. and several other financial firms. Outside of advisory work, she is an author of both financial and fictional books, receiving royalties from her 2015 publication *Money Matters Made Simple*. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, delivering annual financial reviews and investment recommendations using Schwab’s proprietary tools and asset allocation models. The firm operates within the Schwab ecosystem and focuses on non-discretionary advice rather than discretionary portfolio management.

John Lahman is a financial advisor with GWN Securities Inc. in Waddell, AZ, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with GWN Securities since 2010. Outside of his advisory role, he serves as a volunteer board member for the nonprofit DoingGrief.org and is involved in agricultural management through Lahman Heritage Farm, LLC. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individuals, including high-net-worth clients, and businesses. The firm offers discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios, utilizing a range of traditional and legacy market-timing and momentum-based investment strategies.

Grace Gaabucayan is a CFP® and Series 65 licensed advisor with three years of industry experience. She is currently with Schwab Wealth Advisory in Phoenix, AZ, having joined in 2023. Her prior experience includes roles at Versant Capital Management, First Western Financial, and Northern Trust. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations. The firm delivers advice using Schwab’s asset allocation models and research tools, with clients making final trading decisions.

James Cooney is a financial advisor with Focus Partners Wealth, LLC in Phoenix, AZ, holding Series 63 and Series 65 licenses and possessing seven years of industry experience. His career includes roles at The Colony Group, LLC, HoyleCohen, LLC, Stellar Capital Management, and Empirical Wealth Management. Focus Partners Wealth serves a diverse client base, including individuals, high-net-worth families, family offices, corporations, retirement plans, and institutions, offering a range of wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach that integrates fundamental and quantitative analysis with external manager resources, alongside a broad platform of affiliated service companies providing insurance, lending, and real estate investment solutions.

Nikolaos Stathopoulos is a CFP® with nine years of experience in financial advisory, currently with Schwab Wealth Advisory, Inc. He previously worked at The Vanguard Group and has experience as a self-employed advisor and at Randstad. Based in Phoenix, AZ, he holds Series 63 and Series 65 licenses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Charles Schwab ecosystem, offering clients annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm uses standard asset allocation models and Schwab research tools, with clients making final trading decisions and accounts reviewed at least annually.

Colin Maurer is a financial advisor at Schwab Wealth Advisory in Phoenix, AZ, holding Series 65 and Series 66 licenses with one year of industry experience. His prior work includes roles at Charles Schwab & Co., Inc. and other diverse positions outside the financial industry. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations through proprietary Schwab research tools and standard asset allocation models.

Jonathan Crosby is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. His prior roles include positions at Charles Schwab, Protective Life Corporation, Private Client Services, RFG Advisory, Regions Bank, and BBVA Securities Inc. 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. The firm focuses on annual financial reviews and investment recommendations, with final trading decisions made by clients.