Kyler Kreshock is a financial advisor at Charles Schwab & Co., Inc. in Phoenix, AZ, holding a Series 66 designation and five years of industry experience. Prior to joining Schwab, he held roles in entertainment and retail, including positions with EEG Entertainment and Texas Roadhouse. Charles Schwab serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a structured alternative-investment platform.

Jacob Tinney is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and with six years of industry experience. Prior to his current role at Charles Schwab, he worked at Charles Schwab Bank and the Viet Uc English Center. Outside of his advisory work, he owns an ecommerce website focused on selling clothing. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a mix of non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and providing centralized custody and operational services across a large client base.

Heath Whetsel is a Wealth Management Advisor at Merrill Lynch Wealth Management. He holds the CERTIFIED FINANCIAL PLANNER® (CFP) and Chartered Financial Consultant® (ChFC) designations, along with FINRA Series 7 and 66 registrations and life and health insurance licenses. Heath's practice focuses on assisting high-net-worth clients with estate planning, retirement planning, risk management, and portfolio management by developing customized investment strategies through a disciplined wealth management process. Heath has worked in the financial services industry since 2000. Prior to that, he served five years in the U.S. Army with the Armored Cavalry in Germany and California, including two deployments to former Yugoslavia. He has a Bachelor's degree in Business Finance from Western International University and is a lifetime member of Disabled American Veterans (DAV). Heath is an Arizona partner for Merrill - The Special Needs Team, working with special-needs professionals and family members to improve the long-term well-being of individuals unable to care for themselves. Heath resides in Phoenix and enjoys traveling and spending time with his wife Theresa, son Christian, daughter Sarah, son-in-law Peter, and twin granddaughters Tatum and Paige.

Stephen Pettee is a financial advisor at Wells Fargo Clearing with 39 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Wells Fargo Clearing since 2019. His prior experience includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Aidan Mc Coyd is a financial advisor at Charles Schwab with one year of industry experience. He holds the Series 66 designation and has worked at Charles Schwab and Charles Schwab Bank since 2024. Prior to his advisory role, he spent eight years at Chicago Golf Club and dedicated several years to full-time education. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a broad range of investment options supported by centralized custody and due diligence resources.

Joel Cortese is a financial advisor at Charles Schwab with Series 63 and Series 66 designations and three years of industry experience. His prior work includes roles at Charles Schwab Bank, SSB, and Charles Schwab & Co., Inc., as well as positions in retail merchandising services and landscaping. He also attended Grand Canyon University and completed full-time education prior to his financial career. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios, alternative investment due diligence, and centralized custody and supervisory structures.

Kyle Cady is a financial advisor with Raymond James & Associates in Phoenix, AZ, holding Series 66 and Series 63 licenses with five years of industry experience. His prior roles include positions at Vanguard Group and Cetera firms. Raymond James & Associates serves a broad client base including individuals, institutions, and charitable organizations, offering financial planning and non-discretionary investment consulting supported by a nationwide adviser force and a range of portfolio management styles.

Jennifer Koenig is a financial advisor with Cetera in Phoenix, AZ, holding Series 63 and Series 65 licenses and 17 years of industry experience. Her prior roles include positions at Foresters Financial and Foresters Advisory Services. She is also the owner of Jennifer Hope, LLC. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Angela Howard is a financial advisor with UBS Financial Services in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has been with UBS since 2008. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, including fiduciary financial planning and a broad platform of capital markets services.

Mitchell Layton is a financial advisor with Raymond James Financial, holding a Series 66 designation and 13 years of industry experience. His prior roles include service at LPL Financial and ongoing involvement with Layton Holdings, a business he owns. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and supports client implementation through advisory programs, with a notable focus on municipal and public finance advisory services.

Stephen Gilbert is a financial advisor with LPL Enterprise, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Pruco Securities, Western & Southern Life, Bankers Life, and AB Analytics. He is based in Phoenix, AZ. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm utilizes model-driven investment implementation and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

Jeremy Schoenhoft is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and 17 years of industry experience. He has held roles at Charles Schwab & Co., Inc. since 2008 and Charles Schwab Bank since 2020. Outside of his advisory work, he is a silent partner and investor in Rosho LLC, an internet services business. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment options, supported by a multi-asset allocation approach and a centralized operational structure.

Julian Sanchez is a financial advisor at UBS Financial Services with 10 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at Charles Schwab & Co., Inc. from 2016 to 2019 before joining UBS in 2020. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor strategies for clients.

Christine Sorensen is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and with 10 years of industry experience. She has been with Charles Schwab since 2014. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment options, supported by multi-asset model portfolios and centralized operational infrastructure.

Timothy Oneil is a financial advisor at LPL Financial in Phoenix, AZ, with 39 years of industry experience. He holds a Series 63 designation and has worked at LPL Financial since 2017, following prior roles at National Planning Corporation and OSAIC Services, Inc. Outside of his advisory role, he operates O'Neil Advisory LLC, an insurance agency offering life, medical, and fixed annuity insurance planning. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by extensive non-advisory financial activities and technological tools.

Ashley White is a financial advisor at Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 designations with four years of industry experience. Prior to joining Charles Schwab in 2020, Ashley worked at Arizona State University, Destination Maternity Corp, and Jackson Hewitt Tax Service. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset investment approach supported by research and alternative investment options.

Eric Tanita is a financial advisor at Edelman Financial Engines with 21 years of industry experience. He has worked at Financial Engines Advisors L.L.C. since 2017 and previously spent six years at The Vanguard Group, Inc. He holds Series 63 and Series 65 designations and is based in Phoenix, AZ. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary investment management with an emphasis on diversified portfolios, periodic rebalancing, and a long-term investment approach.

Carl Forstrom is a financial advisor with Charles Schwab & Co., Inc. He holds Series 66 and Series 63 licenses and has two years of industry experience. Prior to joining Schwab, he worked at Amazon for three years. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Roberto Garcia Pallares is a financial advisor at Charles Schwab with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including J.P. Morgan Securities LLC, Robinhood Financial, E*TRADE Securities LLC, and The Vanguard Group. He is based in Phoenix, AZ. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through the Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and offers a multi-asset model portfolio investment approach supported by its Schwab Center for Financial Research.

Joshua Mathews is a financial advisor with Wells Fargo Clearing in Phoenix, AZ, holding a Series 66 designation and 12 years of industry experience. He has worked at Wells Fargo Clearing Services since 2016 and previously spent two years with Edward Jones. Outside of advising, he has ownership in IPEC Coaching, LLC, a non-investment-related business, with his spouse. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm employs over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions.