Lindsey Martin is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2013 and 2015, respectively. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and market modeling techniques as part of its financial planning process.

Maria Lucero is a financial advisor at Merrill with 17 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2009. 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 model-based and discretionary strategies for a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Justin Zeis is a CFP® with 20 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has been with Vanguard Advisers since 2015 and also has ongoing roles with Vanguard Marketing Corporation and The Vanguard Group, Inc. in Scottsdale, AZ. 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 using proprietary models and largely constructs portfolios from Vanguard funds and ETFs, offering a range of customization options and tax-aware features.

Shawn Jackson is a financial advisor at Vanguard Advisers with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked at multiple Vanguard entities since 2022. Outside of his advisory role, he is self-employed as a contracted delivery driver. 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 with personalized asset allocations primarily constructed from Vanguard funds and ETFs.

Anne King is a financial advisor at Morgan Stanley in Scottsdale, AZ, holding a Series 66 designation with two years of industry experience. Prior to joining Morgan Stanley in 2022, she worked at Cinnaholic LLC and Chick-fil-A. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer providing a variety of advisory programs to individuals and institutions, including tailored financial planning supported by proprietary tools and models. The firm manages approximately $2.74 trillion in client assets and offers comprehensive services that include both direct client engagements and corporate financial planning agreements.

Tracy Shore is a financial advisor with Merrill in Scottsdale, AZ, holding Series 63 and Series 66 credentials and over 26 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 1994. Outside of her advisory role, she serves as a trustee for a nonprofit fiduciary entity, C A C Trust, based in Sun City, Arizona. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies developed by internal and third-party managers.

Ashwani Barar is a financial advisor at Vanguard Advisers with 19 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Vanguard entities since 2006. His current role at Vanguard Advisers began in 2015. Vanguard Advisers provides both 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, constructing portfolios primarily from Vanguard funds and ETFs, and manages a large client base through a combination of digital delivery and advisor support.

Casey Ethier is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 65 licenses and 16 years of industry experience. He has been with Vanguard since 2009, including roles at Vanguard Marketing Corporation and The Vanguard Group, Inc. Vanguard Advisers provides digital and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary models to create personalized portfolios predominantly composed of Vanguard funds and ETFs.

Jennifer Hersh is a Senior Financial Advisor at Merrill Lynch Wealth Management with experience dating back to 1999. She leads an all-women wealth management team that provides comprehensive wealth management services including investment management, retirement planning, risk management, estate considerations, and legacy planning. The team emphasizes collaboration, continuity, and planning aligned with each client's long-term goals. Jennifer's approach involves working closely with clients' legal and tax professionals to ensure consistent guidance throughout all stages of their financial lives. Jennifer has focused expertise in Income Planning and Retirement strategies, holding designations such as Chartered Retirement Planning Counselor (CRPC), Certified Divorce Financial Analyst, Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She has worked with a range of clients including business owners, corporate executives, multiple generations of families, retirees, non-profit organizations, and individuals navigating divorce. Her client focus areas include college education planning, family wealth management strategies, legacy planning, LGBT wealth planning, personal retirement planning, portfolio management, small business strategies, socially responsible and ESG investing, women and wealth, and retirement income. Jennifer holds a Bachelor of Science degree from Arizona State University. She has been involved with several charitable organizations including Junior Achievement, the Women's Leadership Council of Valley of the Sun United Way, and serves on the Board of Hunkapi Programs, a nonprofit providing equine-assisted therapy. She is also an active member of the National Charity League in Scottsdale. Outside of work, Jennifer enjoys horseback riding, tennis, traveling, and spending time with her family.

Walter Ulrich is a financial advisor with Vanguard Advisers based in Scottsdale, AZ. He holds Series 63 and Series 65 credentials and has 28 years of industry experience. Mr. Ulrich has been with The Vanguard Group, Inc. since 1997. Vanguard Advisers provides both automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm’s investment approach is goal-based and algorithm-driven, utilizing proprietary methodologies to set personalized asset allocations largely constructed from Vanguard funds and ETFs.

Roger Beguiristain is a financial advisor with Wells Fargo Clearing in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a combination of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Joe Carter is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and eight years of industry experience. He has worked at Merrill and Bank of America, N.A., and is currently associated with J.P. Morgan Chase Bank, N.A. Outside of his advisory role, he is an owner and partner of Sweet Wheels LLC, a food and ice cream restaurant. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, leveraging quantitative asset-allocation models and centralized due diligence to inform non-discretionary recommendations.

Christopher Esser is a CFP® with 29 years of industry experience, currently serving as an advisor at Vanguard Advisers since 2011. His work history is tied to various Vanguard entities, including Vanguard Marketing Corporation and The Vanguard Group, Inc. Outside of his advisory role, he acts as a limited agent for investment matters for immediate family members. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Personal Advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach centered on proprietary models and offers a broad range of customizable portfolio options using Vanguard funds and ETFs.

Michael Palmer is a financial advisor at Wells Fargo Clearing with 44 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2020, following six years at Ameriprise Financial Services, Inc. located in Scottsdale, AZ. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Emily Hernandez is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley and related entities since 2016, including Morgan Stanley Private Bank and ETrade Securities. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that utilizes firm-approved tools and modeling techniques.

Stephanie Austin Stackhouse is a financial advisor with Raymond James Financial Services Advisors, Inc. in Scottsdale, AZ, holding a Series 66 designation and 18 years of industry experience. She previously worked at Edward Jones for 11 years before joining Raymond James in 2019 and Capital Wealth Partners in 2022. Outside of her advisory role, she serves as secretary for the Silver Tree Foundation, a nonprofit organization, and is involved as an owner in a local franchise business. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and corporate clients. The firm uses tailored, non-discretionary planning supported by analytical tools and maintains specialized services including municipal advisory and SIMPLE IRA employer consulting programs.

Sarah Bentzin is a financial advisor at Morgan Stanley in Scottsdale, AZ, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley in 2023, she attended Baylor University and Notre Dame Preparatory. She serves on the board of the Skylight Charitable Trust, where she reviews grant proposals and records meeting minutes. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutions. The firm emphasizes tailored financial planning supported by structured discovery and planning tools, managing approximately $2.74 trillion in client assets.

Eric Brown is a financial advisor with Osaic Wealth, Inc. in Scottsdale, AZ, holding Series 65 and Series 66 registrations with five years of industry experience. He previously worked at Securities America, Prostatis Group LLC, and McPherson Financial Group. Outside of his advisory work, he volunteers on the fundraising committee for Unique Foundations, Inc., a nonprofit organization. Osaic Wealth, Inc. serves retail and institutional clients through a large network of affiliated advisers, offering brokerage and advisory services, financial planning, and access to various managed account solutions. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios, while supporting multiple platforms and third-party services.

William Powell is a CFP® professional with 13 years of experience in the financial services industry. He has worked at The Vanguard Group, Inc. since 2013. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Personal Advisor services, serving retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach with portfolios primarily composed of Vanguard funds and ETFs, offering various customization options.

Daniel Martinez is a CFP® with nine years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has worked at various Vanguard-affiliated entities since 2016 and previously held a role at First American Bank. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven investment approach with portfolios mainly constructed from Vanguard funds and ETFs, offering a high client-to-advisor ratio supported by its digital platform and team servicing model.