Anthony Berumen is a CFP® professional with 13 years of experience in the financial industry. He has been with The Vanguard Group, Inc. since 2013, serving at Vanguard Advisers in Scottsdale, AZ. Outside of his advisory role, he is the owner and landlord of a rental property business. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, primarily serving retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach, using proprietary models to tailor asset allocations and portfolio construction largely from Vanguard funds and ETFs.

Robert Johnson is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 30 years of industry experience. He has worked with various entities within Cetera since 2003, including First Allied Securities and Cetera Advisors LLC. Johnson is the sole owner of an investment management group operating as a DBA. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. 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 and various program options.

Daniel Knutson is a financial advisor at Vanguard Advisers with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Vanguard and its affiliates since 2021. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm’s goal-based, algorithm-driven approach uses proprietary models to deliver personalized asset allocations primarily through Vanguard funds and ETFs.

Steven Yazbeck is a financial advisor with OSAIC based in Scottsdale, Arizona, holding Series 63 and Series 66 credentials and bringing 33 years of industry experience. Prior to joining OSAIC in 2023, he worked for 14 years at Sagepoint Financial, Inc. Outside of advisory work, he is a partner in Mosaic Wealth Solutions LLC and owner/partner of Zucca LLC, both involved in supporting his financial advisory business operations. OSAIC Wealth, Inc. serves a diverse client base including individual, high-net-worth, pension, corporate, and charitable investors through a network of affiliated advisors and multiple advisory platforms. The firm provides integrated brokerage and advisory services with a focus on portfolio construction using firm tools and access to third-party managers, accommodating both discretionary and non-discretionary accounts.

Clay Levy is a financial advisor at Raymond James & Associates with 9 years of industry experience. He previously worked at The Vanguard Group for six years and has a background that includes experience at Vans Golf Shops and the University of Arizona. He holds Series 63 and Series 66 licenses. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management and more than 5,400 financial advisors. The firm provides wealth advisory planning and investment consulting to a wide range of clients, including individuals, pension plans, corporations, and government entities, offering non-discretionary planning and portfolio recommendations supported by extensive research and institutional resources.

David Telles is a financial advisor with Cetera based in Scottsdale, AZ, holding Series 63 and Series 65 credentials and 14 years of industry experience. His prior roles include positions at United Planners, PFG Advisors, Centaurus Financial, and several other financial services firms. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management, financial planning, retirement services, and program platforms, supporting diverse investment approaches including model portfolios, third-party managers, and bespoke strategies.

Christine Wilkinson is a Senior Financial Advisor at Merrill Lynch Wealth Management in Scottsdale, Arizona. She has dedicated her entire financial career to Merrill, beginning over 20 years ago at Merrill Lynch Trust Company, now known as Bank of America Private Bank. Christine works as part of The A Team, one of the largest advisory teams in Scottsdale, which includes senior consultants, financial advisors, and client associates collaborating to provide a broad range of financial advice and investment solutions. Her background in trust and estate services enables her and her team to assist clients with legacy and charitable planning while helping them achieve investment and retirement goals. Christine’s areas of expertise include education planning, legacy planning, philanthropic planning, personal retirement planning, socially responsible investing, tax minimization, and services for endowments, foundations, and non-profits, among others. She holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Christine lives in Mesa, Arizona with her husband of 20 years and has two adult children, one of whom serves in the U.S. Army. Outside of work, she enjoys adventure sports, cooking, dancing, gardening, hiking, reading, running, and spending time with her family and her Bernedoodle puppy.

Benjamin Howard is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 66 licenses and four years of industry experience. He has worked at The Vanguard Group, Inc. since 2021. Outside of his advisory role, he works as an independent contractor providing massage therapy services at Colair Beauty Lounge and Med Spa. Vanguard Advisers offers 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 to set personalized asset allocations, primarily using Vanguard funds and ETFs, and serves a large client base through its digital platform and team servicing model.

Logan Kannes is a financial advisor with Vanguard Advisers based in Scottsdale, AZ. He holds Series 63 and Series 66 licenses and has eight years of industry experience. Prior to joining Vanguard in 2017, he worked at Northern Arizona University, Dick's Sporting Goods, and Rio Salado Community College. Vanguard Advisers offers automated and human-supported investment advice for retail investors and employer-sponsored retirement plan participants. The firm uses a goal-based, algorithm-driven approach to construct portfolios primarily from Vanguard funds and ETFs, combining digital delivery with a large advisor team to manage a high volume of client relationships.

Bruce Laird is a financial advisor with Primerica Advisors in Chattanooga, TN, holding Series 63 and Series 65 licenses and having 20 years of industry experience. He has been associated with Primerica Advisors and Primerica Financial Services since 2005 and with Ventura Foods since 2006. In addition to his advisory role, he is involved in sales of loan products and home security and automation referrals through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm employs a tiered wrap-fee structure and curates third-party asset managers while maintaining oversight of model offerings.

Connor King is a financial advisor with Vanguard Advisers, holding a Series 66 designation and based in Scottsdale, AZ. He joined the firm in 2026 and has prior experience including roles in the food service industry and time as a self-employed professional. Vanguard Advisers provides 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 approach with portfolios constructed mainly from Vanguard funds and ETFs.

Joseph Miller is a Series 66-licensed financial advisor with Wells Fargo Clearing in Phoenix, AZ, having nine years of industry experience. He has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank NA since 2008. 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 menu.

Michael Ward is a CFP®-certified financial advisor with 13 years of industry experience. He is currently with LPL Financial and has previously worked at BFC Planning, Inc., Berthel, Fisher & Company Financial Services, Inc., and Barnard Wealth Management, Inc. Aside from advisory services, he is involved in insurance sales through CreativeOne, Crump, Senior Market Sales, and Rogers Benefit Group. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm provides a range of advisory and financial planning services, including discretionary and non-discretionary management, access to model portfolios and research, and a variety of retirement and participant advice programs.

Matt Clarkson is a CFP® with 18 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. His prior work includes positions at James Clarkson Insurance Agency and various roles within Vanguard-affiliated entities since 2007. He is based in Scottsdale, AZ. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach and manages client relationships at scale through a combination of digital platforms and a broad advisor network.

Joseph Wilson is a financial advisor at OSAIC with three years of industry experience. He holds a Series 66 designation and has previously worked at Securities America, Inc., Securities Service Network, Inc., Questar Capital Corporation, and Questar Asset Management. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers a range of advisory services featuring integrated brokerage, financial planning, retirement consulting, and access to third-party money managers, utilizing various asset-allocation tools and portfolio management solutions.

Bryan Dunn is a financial advisor at Raymond James & Associates with 28 years of industry experience. He holds the Series 63 and Series 66 designations and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Based in Scottsdale, AZ, he has been with Raymond James since 2019. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses, delivering services through both non-discretionary and discretionary advisory programs.

Elaine Muandumba is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 66 registrations and six years of industry experience. Her prior work includes roles at PIMCO Investments, Wells Fargo Clearing Services, Charles Schwab, and The Vanguard Group. She also spent two years with the Angola Ministry of Youth & Sports. Vanguard Advisers delivers automated and human-supported investment advice through its digital 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 using proprietary models and offers a range of portfolios constructed mainly from Vanguard funds and ETFs.

Amy Pongratz is a financial advisor at Robert Baird & Co. with 30 years of industry experience. She holds Series 63 and Series 65 designations. Her prior roles include positions at Capital Wealth Partners, Sunstone Wealth Management, Raymond James Financial Services Advisors Inc., Raymond James Financial Services, Inc., and RBC Capital Markets, LLC. The DDK Group, part of Robert W. Baird & Co.’s Private Wealth Management department, serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management through various separately managed accounts, and municipal advisory services, supported by internal research and strategic partnerships.

William Rubin is a financial advisor with Wells Fargo Clearing in Gilbert, AZ, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a range of investment options, such as insurance-related vehicles and bank deposit sweep programs, distinguishing it from many institutional advisors.

Shelby Haggard 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, Shelby worked in various roles including at BuildZoom and Grand Canyon University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both 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 utilizes structured planning tools and modeling techniques as part of its financial planning process.