Jacob Walker is a financial advisor at Schwab Wealth Advisory with two years of industry experience. He holds Series 66 and Series 63 registrations and has been with Charles Schwab and its affiliated advisory firm since 2023. Outside of his advisory work, he is the founder of Pivot Baseball LLC, where he coaches baseball players online. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on proprietary asset-allocation models and research tools, with personalized recommendations reviewed at least annually.

Christopher Lord is a CFP® professional with 23 years of industry experience. He is currently a financial advisor at Schwab Wealth Advisory Inc., where he has worked since 2021. Prior to this, he held various roles at USAA-related financial services firms for over a decade and spent earlier years at Charles Schwab and Banc of America Investment Services. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients in the Schwab Wealth Advisory program. The firm’s approach incorporates Charles Schwab & Co.’s asset-allocation models and research tools, offering tailored recommendations with client authorization required for all trades.

Joel Cederlind is a financial advisor at AE Wealth Management, LLC with three years of industry experience. He holds a Series 65 credential and has worked at AE Wealth Management since 2023, previously serving at Ensign Wealth Management and Banker's Life. Outside of his advisory role, he is involved in insurance sales and services through Ensign Wealth Management. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a broad range of clients including individual households, corporations, trusts, and ERISA plan sponsors. The firm uses discretionary model portfolios and a combination of fundamental, technical, and cyclical analysis, managing approximately $49.8 billion for over 127,000 clients.

Adam Crittenden is a financial advisor with Commonwealth Financial Network based in Phoenix, AZ. He holds Series 63 and Series 66 designations and has 27 years of industry experience. His prior work includes over two decades at Charles Schwab and more recent roles at Sagepoint Financial and OSAIC. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of individual and institutional clients. The firm provides a broad adviser-support platform, including managed-account programs, access to third-party asset managers, and custody services.

Jerod Ensz is a financial advisor with Transamerica Retirement Advisors, LLC in Gilbert, AZ. He holds Series 63, Series 65, and Series 66 licenses and has six years of industry experience, including prior roles at Whitesell Financial Group, LLP and Commonwealth Financial Network. Outside of his advisory work, he owns single-family rental properties in Arizona and Texas. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through various managed advice programs and investment education services. The firm employs proprietary portfolio construction tools from Morningstar Investment Management and operates with a large client base focused primarily on non-discretionary asset management.

Anna Sinatra is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 66 licenses and has 26 years of industry experience. She has worked at Charles Schwab and its affiliated entities since 2000. Outside of advising, she is involved in providing in-home care services through a state program supporting individuals with developmental disabilities. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and select referred clients, offering non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s approach is based on Charles Schwab & Co.’s asset-allocation models and internal research tools, with client-specific recommendations and at-least-annual reviews.

Jeffrey Thiede is a financial advisor with Kestra Advisory who holds Series 63 and Series 65 licenses and has 12 years of industry experience. He previously worked at J.W. Cole Advisors, Inc. and NPB Financial Group, LLC. Outside of his advisory role, he is the owner of a property management business in Scottsdale, Arizona. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a broad mix of institutional and individual clients, including very large institutional investors such as sovereign wealth funds. The firm offers a range of services including fiduciary consulting, plan design, investment advice, and utilizes multiple management platforms and third-party solutions.

Isiah Brown is a financial advisor at VALIC Financial Advisors with six years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at firms including Morgan Stanley, Merrill Lynch, and Advisors Group. His career background also includes roles outside financial services at LifeTime Fitness and various other organizations. VALIC Financial Advisors serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and discretionary unified managed accounts utilizing Envestnet’s platform and third-party model managers, operating at scale with over 1,200 advisors.

Holly Grippe is a financial advisor at Private Advisor Group, LLC with two years of industry experience. She holds a Series 66 designation and has previously worked at LPL Financial and One AZ Wealth Management. Outside of her advisory work, Holly has experience as a business owner of Integrated Electronic Services. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering portfolio management, financial planning, retirement plan consulting, and access to a variety of managed account solutions. The firm employs a fiduciary-based advisory model using multiple investment methods and technology platforms while often implementing advice through third-party managers and TAMPs.

Rodney Smith II is a CFP® with 23 years of industry experience, currently affiliated with Commonwealth Financial Network. He previously worked at Seacat Financial Services before joining RS Wealth Management, where he also acts as an insurance agent selling fixed insurance products. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of nearly 2,900 advisors and hundreds of thousands of clients. The firm offers a broad platform including managed-account programs, third-party asset manager access, and custody services.

Stanton Shields is a financial advisor with Osaic Institutions, Inc. based in Tempe, AZ, holding a Series 66 designation and bringing 10 years of industry experience. His career includes roles at Infinex Investments, Inc., Alerus, Bank of America, N.A., and Merrill. Shields is also engaged in wealth management advising through Alerus. Osaic Institutions, Inc. serves individuals, ERISA plans, trusts, estates, and corporate clients by offering customized advisory services, financial planning, and access to alternative investments. The firm operates a hybrid adviser/broker-dealer model with both discretionary and non-discretionary accounts, leveraging third-party managers and promoters in its service approach.

Victoria De Oliveira is a financial advisor with Schwab Wealth Advisory, holding Series 66 and Series 63 licenses and bringing nine years of industry experience. She has held roles at several firms, including J.P. Morgan Securities LLC and Frost Investment Services, before joining Schwab Wealth Advisory in 2020. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s investment approach relies on Charles Schwab’s asset-allocation models and internal research, offering tailored recommendations with annual reviews.

Jeffrey Carter is a financial advisor at Hornor, Townsend & Kent, LLC with one year of industry experience. He holds the Series 66 designation and has prior experience in mortgage lending and real estate, including roles at Caliber Home Loans, loanDepot, and West USA Realty. Outside of advisory work, he owns a consulting company that advises senior management on operational efficiencies and strategies. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting. The firm operates both advisory and broker-dealer services, with a platform that includes third-party asset manager relationships and offers both discretionary and non-discretionary account options.

Joseph Tichenor IV is a CFP® with 22 years of industry experience, currently serving at Cerity Partners LLC since 2023. He previously worked at ARGI Investment Services, LLC for 13 years and National Planning Corporation for 9 years. Outside of his advisory work, he is a partner in Courtside LLC, a group involved in efforts to bring an NBA team to Louisville, and a silent partner in Brewavul LLC (River City Drafthouse). Cerity Partners advises a diverse client base, including high-net-worth individuals, families, institutions, and private funds, managing approximately $166.2 billion in client assets. The firm offers customized wealth management services and employs an investment approach centered on client-specific profiles, integrating proprietary quantitative methods with third-party strategies and direct security selection.

Marshal Morgan is a financial advisor at Schwab Wealth Advisory with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Schwab Wealth Advisory, Charles Schwab Bank, Charles Schwab & Co., and The Vanguard Group. He was also self-employed and affiliated with Amazon Associates in recent years. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s guidance is based on Schwab’s asset-allocation models and internal research tools, offering tailored recommendations with client authorization required for trades.

Haris Aziz is a CFP® professional with four years of experience, currently serving at Schwab Wealth Advisory in Phoenix, AZ. His prior work includes roles at Charles Schwab & Co., Inc., Science Care, O'Reilly's Auto Parts, and Sanders Exchange LLC. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients. The firm’s recommendations are based on proprietary asset-allocation models and internal research, focusing on tailored advice without exercising discretionary trading authority.

Christian De Veer is a financial advisor with Transamerica Retirement Advisors, LLC, holding a Series 66 credential and five years of industry experience. His prior work includes roles at Merrill and service in the United States Air Force. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through various managed advice programs, emphasizing asset allocation and retirement guidance supported by proprietary technology and model portfolios from Morningstar Investment Management.

Anthony Ruggieri is a financial advisor at AE Wealth Management, LLC with 10 years of industry experience. He holds a Series 65 designation and has worked at multiple firms, including his own entities such as Ruggieri Wealth Advisors LLC and Ruggieri Financial and Marketing Group LLC. Outside of advisory services, he is an independent insurance agent through his ownership of Ruggieri Financial and Marketing Group LLC. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base, including individuals, corporations, trusts, and ERISA plan sponsors. The firm utilizes a platform-focused approach with discretionary model portfolios and supports third-party RIAs through sub-advisory and model-licensing arrangements.

Nicholas Ahumada is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 65 and Series 63 licenses and totaling 8 years of industry experience. His work history includes roles at Charles Schwab, Northwestern Mutual, Wells Fargo Bank, and Food City. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services primarily to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s recommendations are based on Charles Schwab’s proprietary asset-allocation models and internal research, with client authorization required for all trades.

Daniel Friedlander is a financial advisor with PNC Wealth Management in Phoenix, AZ, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at BBVA Wealth Solutions, Northwestern Mutual Investment Services, Merrill Edge, and Grand Canyon University. Outside of his advisory work, he is the owner and producer of Aurora Records, a non-investment related business. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only, algorithm-driven digital offering that uses approved model strategies executed via mutual funds and ETFs.