Robert Beatty is a financial advisor with Osaic Wealth, Inc. based in Scottsdale, AZ, holding Series 63 and Series 66 designations and 33 years of industry experience. He has been with Osaic since 2018 and has prior experience with Vantage Financial Services, Signator Investors, Inc., and MH Financial LLC. In addition to his advisory role, he is the owner and CEO of C.O.R.E. Marketing, a firm specializing in marketing insurance products to financial professionals. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, and institutional clients, offering a range of brokerage and advisory services. The firm employs advanced portfolio construction tools and supports various investment platforms and third-party money managers, operating through a complex corporate structure with multiple mergers and private-equity ownership.

Elanie Wilson is a financial advisor at Vanguard Advisers with two years of industry experience and holds the Series 66 designation. Her prior work history includes positions at Randstad, Porter Labs Inc., Ylopo LLC, and Yelp Inc. She is based in Scottsdale, AZ. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven investment approach, constructing portfolios primarily from Vanguard funds and ETFs with options for tax-aware strategies and customization.

Jacob Hershberg is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2004. He holds a Series 63 license and is based in Scottsdale, AZ. Hershberg has spent his entire advisory career with The Vanguard Group, Inc. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach to asset allocation, utilizing proprietary models and largely Vanguard funds and ETFs to create personalized portfolios.

Andrew Rowland is a financial advisor at Vanguard Advisers with six years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones and Edward Jones Trust Company. He is based in Scottsdale, AZ. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, using a goal-based and algorithm-driven approach that incorporates proprietary models and largely Vanguard fund portfolios. The firm serves a large client base with a digital delivery platform supported by more than 2,200 advisors.

Tyler Endersby is a financial advisor at Equitable Advisors with Series 66 credentials and one year of industry experience. His prior roles include a position at Ryleigh Wealth Management and various non-financial positions, including work in hospitality and contracting. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as a dual-registered SEC investment adviser and broker-dealer, relying on LPL-sponsored programs and endorsed third-party managers to deliver advisory and brokerage solutions.

Kendall Palmer is a CFP®-designated financial advisor with Vanguard Advisers in Scottsdale, AZ, bringing 10 years of industry experience. He has been with The Vanguard Group, Inc. since 2015. Vanguard Advisers provides automated and human-supported investment advice through its Digital Advisor and Personal Advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios constructed largely from Vanguard funds and ETFs, offering customization options including ESG preferences.

Joseph Costello is a financial advisor at Vanguard Advisers with 19 years of industry experience. He holds Series 63 and Series 66 designations and has been with Vanguard since 2006 in various roles, including his current position starting in 2020. Outside of his advisory work, he serves as a fiduciary agent and manages a 529 plan custodian role. Vanguard Advisers offers automated and human-supported investment advice through digital and personal advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach, employing proprietary methodologies to construct tax-aware portfolios largely composed of Vanguard funds and ETFs.

Walker Boyd is a financial advisor with UBS Financial Services in Scottsdale, AZ, holding a Series 66 credential and four years of industry experience. Before joining UBS in 2023, he worked at The Vanguard Group for one year. Outside of advisory roles, he has also worked in delivery services for companies like DoorDash and Amazon. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services to deliver tailored financial planning and portfolio management.

John Rivera is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Ameriprise in Scottsdale, AZ. His prior experience includes three years at The Vanguard Group, Inc. and various roles outside the financial industry. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients, offering a specialized Premier Retirement Income service that provides tailored retirement planning recommendations and ongoing advice focused on income and tax-aware withdrawal strategies.

Ryan Richter is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has been with The Vanguard Group since 2011. Outside of his advisory role, he owns and operates two businesses: an e-commerce company that sells kits to assist parents of special needs children, and a real estate firm focused on residential property transactions. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to construct portfolios primarily from Vanguard funds and ETFs, offering a range of customization options and managing a large client base through its digital platform and extensive advisor team.

Ryan Taccolini is a financial advisor with OSAIC in Scottsdale, AZ, holding a Series 66 designation and 12 years of industry experience. He has worked at Securities America Inc. since 2013 and is involved with Paragon Sanitation Inc. in a non-investment capacity. Taccolini also serves in a compliance role within Securities America Advisors. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers a range of brokerage and advisory services supported by proprietary asset-allocation tools and third-party solutions, managing portfolios that include various investment types on both discretionary and non-discretionary bases.

Kenneth Escoto is a financial advisor at Merrill with 10 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2015, also working at Bank of America, N.A. during the same period. Outside of his advisory role, he serves as a consultant and independent contractor for the National Hot Rod Association, assisting with ushering and crowd management at events. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors, supporting a range of account types with trading, administration, and custody services.

Samuel Meza is a financial advisor with Vanguard Advisers based in Scottsdale, AZ. He holds a Series 66 designation and has 11 years of industry experience. His prior experience includes roles at Morgan Stanley, BMO Bank, Bancwest Investment Services, Bank of America, and Merrill. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, serving retail investors and retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and primarily Vanguard funds and ETFs, and it manages a large client base with a high client-to-advisor ratio through its scalable digital platform and team servicing model.

Matthew Puttroff is a financial advisor at Vanguard Advisers with 19 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at TIAA and Fidelity. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach that incorporates proprietary models and a wide range of customization options.

Teresa Di Gregorio is a financial advisor at Vanguard Advisers with six years of industry experience. She holds Series 66 and Series 63 designations and has worked at Vanguard and its related entities since 2020, as well as at HUB International and Cresset Asset Management. Outside of finance, her background includes roles in the fitness and restaurant industries. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach utilizing proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Wesley McCalley is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 credentials and bringing 19 years of industry experience. He has been with Vanguard in various capacities since 2005, including his current role at Vanguard Advisers since 2018. Vanguard Advisers provides both automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach with portfolios constructed mainly from Vanguard funds and ETFs, supported by a large team of advisors managing a high volume of client relationships.

Zachary Schwenk is a CFP® with eight years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has worked with Vanguard-affiliated entities since 2018 and has been self-employed intermittently. His background also includes experience at Biffs Bagels Inc. and Northern Arizona University. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. The firm utilizes a goal-based, algorithm-driven approach and primarily constructs portfolios from Vanguard funds and ETFs, offering customization options and tax-aware features.

Adam Carlat is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and with 13 years of industry experience. His prior roles include positions at Morgan Stanley and PlanMember Securities Corporation, and he has operated his own advisory firms since 2016. He is also involved in marketing insurance products as an agent. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions, offering various advisory programs, financial planning, and brokerage services through a national network of representatives.

Jeffrey Sauer is a financial advisor with Vanguard Advisers, holding a Series 66 designation and based in Scottsdale, AZ. He has been with Vanguard and its affiliated entities since 2026. Prior to joining Vanguard, his work experience includes roles in various industries such as hospitality and retail. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to create personalized asset allocations, primarily utilizing Vanguard funds and ETFs with various tax-aware and customization features.

Owen Scanlon is a financial advisor with Morgan Stanley in Scottsdale, AZ, holding a Series 63 designation and 41 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. Their planning process uses firm-approved tools and modeling techniques, serving clients both directly and through corporate financial planning agreements.