Michael Duke is a financial advisor at Empower Advisory Group with a Series 66 designation and one year of industry experience. Prior to joining Empower, he worked at T-Mobile for ten years. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and certain retail brokerage account holders. The firm delivers services through an integrated model tied to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.

Molly Malone is a Certified Financial Planner (CFP®) with 26 years of industry experience. She has been with Schwab Wealth Advisory since 2012 and has worked at Charles Schwab since 1999. Based in Phoenix, AZ, she holds Series 63 and Series 66 licenses. Schwab Wealth Advisory, Inc. provides fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab-referred clients. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and research tools, with client-directed trades and an emphasis on tailored recommendations aligned with clients’ goals and risk tolerance.

Tanya Forsythe is a financial advisor at TIAA-CREF with 15 years of industry experience. She holds Series 63 and Series 66 credentials and has been with TIAA-CREF since 2013. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing relationships through employer retirement plans. The firm operates within a vertically integrated structure and acts as adviser to a donor-advised fund sponsored by Charityvest.

Carlton Weber is a CFP® with seven years of industry experience, currently serving as a financial advisor at Creative Planning since 2022. He previously worked at Keystone Wealth Partners and USAA, among other positions. Creative Planning provides wealth management and financial planning services to a diverse client base, including high-net-worth individuals, institutions, and retirement plans. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies, supplemented by customized equity, bond, and private market investments.

Courtney Hicks is a financial advisor at Kestra Advisory with eight years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at The Vanguard Group for seven years. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors, institutional, and individual clients, offering services including fiduciary consulting, plan design, employee education, and advisor-managed accounts. The firm manages approximately $79.8 billion in assets and serves a diverse client base that includes large institutional investors and sovereign wealth funds.

Teresa Schuelke is a Planning Consultant at Fidelity Investments, a role she has held since 2021. She has built a career in financial services, previously working as a Relationship Consultant, Investment Consultant, and Financial Service Advisor at Merrill between 2018 and 2021. Prior to that, Teresa served as a Financial Advisor at H. Beck Inc. from 2015 to 2017 and at Edward Jones from 2011 to 2015. Teresa focuses on providing financial education to clients, emphasizing the importance of understanding their money and how it works to help them achieve their financial goals. She fosters partnerships with clients to collaboratively create, implement, and monitor their financial plans. This approach reflects her commitment to making a difference in clients' lives. Outside of her professional work, Teresa enjoys family activities, social events with friends, movies, music, traveling, and writing.

Ghazwan Ramlawi is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has worked with Charles Schwab and affiliated entities since 1994 and has been self-employed since 1997. Outside of finance, he is involved in acting and modeling on a part-time basis. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s guidance is based on proprietary asset-allocation models and research tools, with advice tailored to individual goals and risk tolerance, while trades require client authorization.

Davis Beazer is a CFP® professional with four years of industry experience, currently serving as a financial advisor at AE Wealth Management, LLC. Prior to joining AE Wealth Management, he held roles at Vanguard Marketing Corporation and The Vanguard Group. 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, utilizing a range of investment strategies implemented through discretionary model portfolios.

Westin Cox is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 designations and 12 years of industry experience. He has been with Schwab Wealth Advisory since 2016 and with Charles Schwab since 2013. Outside of his financial advisory role, he is involved in a gate fabrication business. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is guided by proprietary asset-allocation models and internal research, with recommendations tailored to individual goals and risk tolerance.

Ryan West is a financial advisor at Osaic Institutions, Inc. with 14 years of industry experience. He holds a Series 66 designation and has worked at firms including Arizona Federal Credit Union, CUSO Financial Services, L.P., and LPL Financial. Osaic Institutions, Inc. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating with a hybrid adviser/broker-dealer structure and emphasizing a model that delegates investment management to its adviser representatives.

Trace Udall is a CFP® with 30 years of experience in financial advisory services, currently with Kestra Advisory since 2025. He previously worked at Commonwealth Financial Network for 11 years and operated Udall Financial LLC for three decades. Outside of advisory work, he serves as managing member of BILTMORE TRAVEL LLC, a travel agency established to support personal travel needs for friends and family. Kestra Advisory provides investment advisory and retirement-plan consulting to a range of institutional and individual clients, offering services including fiduciary consulting, plan design, and employee education. The firm serves large institutional investors and employs multiple management platforms and third-party solutions within a supervised framework.

Alison Stine is a CFP® professional with 11 years of experience in financial advising, currently with GWN Securities Inc. She previously worked at Equitable Advisors and Axa Advisors. In addition to her advisory role, she serves as an associate board member for the Boys & Girls Club of Greater Scottsdale. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm manages approximately $3.65 billion across more than 37,000 accounts and offers a range of investment programs including SMA, UMA, and fund-strategist options on the Fidelity-supported FMAX platform.

Ariyeh Waite is a financial advisor with Guardian Life, holding a Series 66 designation and one year of industry experience. Prior to joining Guardian Life and Park Avenue Securities, he worked at Pacific Advisors and has a diverse employment background including roles at Grimms Fuel Service, Autozone, Target, and KingPins. Park Avenue Securities LLC, a wholly owned subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a range of financial planning and investment solutions, combining advisor-led discretionary management with model-based strategies and digital advisory options.

Steven Rustik is a CFP® with 26 years of industry experience and has been with D.A. Davidson & Co. since 2009. Based in Scottsdale, AZ, he holds Series 63 and Series 65 registrations. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including employer-sponsored retirement plans, individual investors, charitable organizations, and corporate clients. The firm offers a range of services such as ERISA retirement plan advisory, wrap fee programs, comprehensive financial planning, and a private wealth program for high-net-worth clients, operating under fiduciary standards with both qualitative and quantitative investment analysis.

Sha Vere Yarde is a financial advisor with Schwab Wealth Advisory, Inc., holding Series 63 and Series 66 credentials and four years of industry experience. Prior to joining Schwab Wealth Advisory in 2025, Yarde worked at Charles Schwab & Co., Inc. and has experience as a wholesale car dealer through Top Car Yarde LLC. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach is based on Charles Schwab’s asset allocation models and internal research, offering tailored recommendations and oversight without exercising discretionary trading authority.

Luke Schroeder is a CFP®-designated financial advisor with four years of industry experience. He is currently affiliated with Commonwealth Financial Network and Ke Wealth Advisors in Tempe, AZ. His work history includes multiple roles at both firms since 2020. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and managing roughly $212.7 billion in client assets. The firm offers a broad adviser-support platform, including managed-account programs, access to third-party asset managers, and custody/clearing services.

Donald Goldstein is a financial advisor at VALIC Financial Advisors with 37 years of industry experience. He holds Series 63 and Series 66 designations and has been with VALIC Financial Advisors since 2006. VALIC Financial Advisors primarily serves U.S.-based individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Carrie Hall is a financial advisor with Eagle Strategies (NY Life) based in Scottsdale, AZ, holding Series 63 and Series 65 licenses and possessing 40 years of industry experience. She has been affiliated with Eagle Strategies and New York Life since 1988 and operates her own firm, Carrie Hall and Associates Financial and Insurance Services, LLC. Hall serves on multiple nonprofit boards, including the Brophy Foundation and the Barrow Neurological Foundation Women’s Board, where she holds the position of President. Eagle Strategies serves a diverse client base, offering financial planning, investment management, and retirement-plan advisory services through a large network of affiliated representatives. The firm emphasizes tailored recommendations and manages the majority of its assets on a non-discretionary basis, working with individual investors, institutional sponsors, and plan sponsors.

Phylis Bolno is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has worked at Commonwealth since 2005 and also owns Customized Wealth Strategies, LLC, which offers tax preparation and accounting services in addition to securities and insurance business. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a variety of advisory programs and extensive operational, trading, compliance, and practice-management support to affiliated advisors.

Todd Ruble is a financial advisor at Beacon Pointe Advisors, LLC with 13 years of industry experience. He has held positions at Beacon Pointe Advisors since 2021 and previously worked at Stonegate Capital Advisors, LLC for six years. Ruble holds Series 63 and Series 65 licenses and is based in Scottsdale, AZ. Beacon Pointe Advisors provides wealth advisory, consulting, and retirement-plan services to a diverse client base that includes individuals, corporations, and institutional clients. The firm combines asset-allocation modeling with third-party independent managers and employs both active and passive strategies across public and private asset classes.