Kyle Caouette is a CFP®, CFA®, and holds a Series 66 license with 19 years of industry experience. He is currently with Integrated Wealth Concepts LLC and has previously worked at UBS Private Wealth Management, Parcion Private Wealth LLC, Simplified Wealth Strategies LLC, and Parallel Advisors, LLC. He also holds a license as an independent insurance agent. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, family office services, and retirement plan advisory, employing customized portfolios with a primarily long-term investment approach.

Lance Zasso is a CFP®, ChFC®, and Series 65-registered financial advisor with four years of industry experience. He has been with Creative Planning since 2022 and has prior work experience that includes roles at Liberty University and Hume Lake Christian Camps. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including individuals, pension plans, trusts, foundations, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies for long-term goals, supplemented by various specialized investment options.

Andrew Steinberg is a CFP® professional with 11 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, Inc. and has previously worked at D.A. Davidson & Co., LPL Financial LLC, and Charles Schwab in various capacities. Steinberg holds Series 63 and Series 66 licenses and is based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and primarily serves individual clients without exercising discretionary trading authority.

Charisse Mackenzie is a financial advisor with AE Wealth Management, LLC, holding a Series 65 license and 13 years of industry experience. Her prior roles include positions at Regal Investment Advisors, LLC and Saturn Wealth, LLC, where she is also president. In addition to her advisory work, Mackenzie is an author and is involved in financial education through the Institute for Women's Financial Education and the Society of Financial Awareness. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base that includes individuals, corporations, trusts, and ERISA plan sponsors. The firm employs a range of investment strategies through discretionary model portfolios and supports third-party RIAs with sub-advisory and model-licensing services.

David Arvizu is a CFP® professional with 23 years of experience, currently serving at Schwab Wealth Advisory Inc. since 2014. He is based in Phoenix, AZ, and holds the Series 63 license. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across various asset classes using Schwab’s proprietary research tools and asset allocation models.

Austin Kohler is a financial advisor with Empower Advisory Group in Mesa, AZ, holding Series 66 and Series 63 licenses and two years of industry experience. His prior roles include positions at J.P. Morgan Securities, The Vanguard Group, and Randstad. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as to certain retail brokerage clients. The firm’s integrated approach links financial planning with recordkeeping and administrative platforms, focusing on long-term portfolio returns and savings rates.

Desmond Meyer is a financial advisor at Schwab Wealth Advisory with three years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2022. Outside of his advisory role, he operates a photo booth business at events. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews, retirement planning, and investment recommendations based on Schwab’s research tools and asset allocation models.

Julia Acer is a financial advisor with Schwab Wealth Advisory and holds Series 63 and Series 66 designations. She has 15 years of industry experience, including 14 years at Schwab Wealth Advisory and 17 years with Charles Schwab. Outside of her advisory role, she teaches classes on human energy fields and chakras at the Southwest Institute of Healing Arts and works as a life coach focusing on health-related issues. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients within the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations across various asset classes while leaving final trading decisions to clients.

Cole Beckwith is a CFP® with three years of industry experience, currently serving as a financial advisor at Creative Planning. His prior roles include positions at Keystone Wealth Partners and TPC Scottsdale, as well as military service in the U.S. Army. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in assets and employs a financial planning–led investment process that incorporates low-cost indexing, buy-and-hold strategies, and supplemental approaches such as direct indexing and tax-loss harvesting.

Jonathan Yaeger is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab since 2014, joining Schwab Wealth Advisory in 2017. He is based in Phoenix, AZ. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations. The firm operates as an internal advisory unit within the Schwab ecosystem and uses Schwab’s research tools and asset allocation models to guide client decisions without exercising discretionary trading authority.

Patrick Hauge is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 65 credentials and bringing 16 years of industry experience. He has been with both firms since 2016. Hauge is involved with the Government Financial Education Group, which provides public financial education. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, offers brokerage services, financial planning, retirement plan consulting, and investment advisory programs to individuals, pension plans, charitable organizations, and corporate clients. The firm provides both discretionary and non-discretionary advisory relationships, utilizing model portfolios from in-house and third-party managers.

Jeffrey Seeman is a financial advisor at Benjamin F. Edwards & Company, Inc. with 39 years of industry experience. He previously worked at Colliers Securities LLC for 12 years. Outside of his advisory role, Seeman serves as a Line Judge in the National Football League. Benjamin F. Edwards & Company is an SEC-registered investment adviser and broker-dealer serving a diverse client base, including individuals, institutions, and charitable organizations. The firm offers fee-based wrap programs, financial planning, and investment management strategies that combine both discretionary and non-discretionary approaches, supported by an internal trading desk and oversight from an Investment Strategy Committee.

Rushil Patel is a CFP® professional with four years of experience, currently advising at Schwab Wealth Advisory Inc. in Phoenix, AZ. His prior experience includes roles at Charles Schwab, Cornerstone Capital Planning Group, and Northwestern Mutual. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within Charles Schwab’s ecosystem, focusing on annual financial reviews and investment recommendations guided by Schwab’s research tools and standard asset allocation models.

Joshua Blaker is a financial advisor with AE Wealth Management, LLC, holding a Series 65 credential and 13 years of industry experience. He is also the founder of Accrue Wealth Designs and serves as a classroom instructor for financial education through the American Financial Education Alliance. Additionally, he is president and owner of J&M Blaker 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 emphasizes model portfolio and direct asset management programs supported by fundamental, technical, and cyclical investment analyses.

Jeffrey Kowal is a financial advisor at Creative Planning with over 50 years of industry experience. He holds the ChFC® designation and Series 63 and 65 licenses. His prior experience includes roles at Mutual Securities, Inc. and Raymond James Financial Services Advisors, Inc. Kowal is also involved in managing real estate holding companies. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm employs a financial planning–led investment process emphasizing low-cost indexing and buy-and-hold strategies, supported by a large advisory team and centralized investment infrastructure.

Trace Winn is a CFP® professional with Mercer Global Advisors Inc. in Mesa, AZ, with experience beginning in 2022. Prior to joining Mercer, he worked at Mayo Clinic and held positions at AT Still University and Arizona State University. Mercer Global Advisors provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm employs a Modern Portfolio Theory-based investment approach with globally diversified, risk-appropriate portfolios and offers a range of management and planning services along with public content programs and affiliated service lines.

Andrew Damour is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and three years of industry experience. He previously worked at Edward Jones and Charles Schwab & Co., Inc. His background includes roles at multiple firms across different industries prior to his advisory career. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, focusing on annual financial reviews and investment recommendations using Schwab’s proprietary asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, distinguishing its approach from many enterprise wealth managers.

Perry Dufresne is a financial advisor at Creative Planning with 10 years of industry experience. He holds the CFP® and ChFC® designations and has worked previously at Keystone Wealth Partners, LLC and JP Morgan. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, pension plans, and corporations. The firm employs a financial-planning-led investment approach emphasizing low-cost indexing and buy-and-hold strategies, complemented by access to private market investments and specialized strategies.

Eric Chang is a financial advisor at Schwab Wealth Advisory with 12 years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America and Merrill. Outside of his advisory role, he manages a rental property in Arizona. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses standard asset allocation models and Schwab research tools to recommend investments while allowing clients to make final trading decisions.

Keyan Seyfnarimani is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and one year of industry experience. Prior to joining Schwab, he held roles at HR Block, Lifetime Fitness, and the Arizona Cardinals. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s standard asset allocation models and research tools. The firm recommends investments while leaving final trading decisions to clients and conducts at least annual account reviews.