Andrew Smith is a financial advisor at Schwab Wealth Advisory with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with Charles Schwab & Co., Inc. since 1999. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients. The firm’s advice is based on standard asset-allocation models and internal research, with a focus on tailored recommendations and typically involves separately managed accounts handled by third-party or affiliated money managers.

Brendan Weaver is a financial advisor with Schwab Wealth Advisory based in Phoenix, AZ, holding Series 63 and Series 66 licenses and 17 years of industry experience. His career includes roles at Charles Schwab, Mutual of Omaha Insurance Company, Mutual of Omaha Investor Services, and J.P. Morgan Chase Bank and Securities. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, offering non-discretionary fiduciary investment advice and wealth management consultations. The firm provides guidance on asset allocation and investment selection using Schwab’s internal research tools, with client trades requiring authorization and periodic reviews tailored to individual goals and risk tolerance.

Richard Myers is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Robinhood Markets, Inc. and The Vanguard Group, Inc. prior to joining Schwab. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning services primarily to clients enrolled in the Schwab Wealth Advisory program. The firm’s advice is based on Charles Schwab & Co.’s asset allocation models and research tools, with investment recommendations tailored to clients’ goals and risk tolerance.

Justin Longfellow is a CFP® professional with 20 years of experience in financial advisory services. He currently works at Schwab Wealth Advisory, where he has been since 2022, and has held prior roles at Charles Schwab & Co., JP Morgan Chase Bank, Vanguard Advisers, and USAA Financial Planning Services. His career includes extensive experience with both wealth advisory and financial planning. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice and financial planning. The firm uses Charles Schwab’s proprietary asset-allocation models and internal research tools to guide investment decisions, while clients retain authorization over trades.

Robert Merfeld is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. He has been with Charles Schwab in various roles since 2000, including eight years at Charles Schwab Bank and four years at Schwab Wealth Advisory. He serves as treasurer for the Valley of the Sun Figure Skating Club, providing bookkeeping and accounting support. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, offering non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on internal asset-allocation models and ongoing reviews tailored to client goals and risk tolerance.

Timothy Hatton is a CFP® with 25 years of industry experience, currently serving as a financial advisor at Creative Planning. He previously led Hatton Consulting, Inc. for 21 years before joining Creative Planning in 2022. Based in Phoenix, AZ, he holds Series 63 and Series 65 licenses. 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 emphasizes a financial-planning-led investment approach using low-cost indexing and buy-and-hold strategies, supplemented by tax-loss harvesting and selective private market investments.

Christopher Wedlich is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 designations and three years of industry experience. He previously worked at USAA FSB for ten years before joining Schwab. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab Co.-referred clients, offering non-discretionary fiduciary investment advice and financial planning based on Schwab’s standard asset-allocation models and internal research tools. The firm focuses on guidance tailored to client goals and risk tolerance, with trades executed only upon client authorization.

Jakob Miller is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and four years of industry experience. He has been with Schwab Wealth Advisory since 2025 and has worked at Charles Schwab & Co., Inc. since 2022. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses Charles Schwab’s asset-allocation models and internal research tools to guide investment selection, while trades require client authorization.

Joseph Bergen is a financial advisor with TIAA-CREF in Phoenix, AZ, holding Series 63 and Series 66 licenses and 16 years of industry experience. His prior roles include positions at Financial Engines Advisors L.L.C., Bancwest Investment Services, and Charles Schwab. TIAA-CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals connected to TIAA-administered employer retirement plans, as well as trusts, estates, and small retirement plans. The firm offers both point-in-time planning and ongoing discretionary management using model and customized portfolios.

Evan Cole is a financial advisor at Commonwealth Financial Network with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Cambridge Investment Research Advisors and Peachtree Life Finance. Outside of advising, he owns oil and gas rights leases in Ohio. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients by providing a range of advisory programs, investment management, and practice-management support. The firm offers discretionary model portfolios and various program structures while acting as a platform provider for affiliated advisors.

Emily Anderson is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and one year of industry experience. She previously worked at Charles Schwab & Co., Banner Health, Starbucks Coffee Company, the University of Arizona, and the U.S. Department of State. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm utilizes Charles Schwab’s asset-allocation models and research tools to guide investment selection and conducts annual reviews tailored to client goals and risk tolerance.

Matthew Refner is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 credentials and possessing 10 years of industry experience. He previously worked at The Vanguard Group, Inc. for six years before joining Schwab Wealth Advisory and Charles Schwab in 2021. 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 guidance is based on standard asset-allocation models and internal research tools, offering tailored recommendations reviewed at least annually.

Morgan Roberts is a financial advisor at OSAIC Institutions, Inc. based in Tempe, AZ. He holds a Series 66 designation and has experience working with several firms, including Charles Schwab & Co., Inc. and Alerus Financial. Prior to his advisory roles, Roberts held positions outside the financial industry, including in education and gig economy services. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a large network of representatives. The firm offers customized advisory services, financial planning, and access to alternative investments, operating with a hybrid adviser/broker-dealer structure and a notable emphasis on non-discretionary assets and third-party manager arrangements.

Ealing Jahn is a CFP® and holds a Series 66 license, with 24 years of industry experience. He has been with Creative Planning since 2014. Outside of his advisory role, he manages a rental home in Gilbert, Arizona, handling tenant relations and property maintenance. 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 focused on low-cost indexing and offers additional strategies such as direct indexing and tax-loss harvesting, supported by a large advisory team and integrated investment infrastructure.

Sarah Connolly is a financial advisor at Schwab Wealth Advisory with 23 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Schwab Wealth Advisory since 2012. Prior to that, she was involved with Sweet Dreams by Sarah, a venture she managed from 2012 to 2020. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co. referrals. The firm’s advice is based on proprietary asset allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Jason Nelson is a financial advisor at PNC Wealth Management with six years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Edward Jones and The Vanguard Group. Prior to entering the financial sector, he worked at CVS Pharmacy. PNC Wealth Management provides retail brokerage and advisory services through model-based programs, including an invitation-only digital offering that uses algorithm-driven risk assessments to recommend investment models implemented via mutual funds and ETFs. The firm’s programs feature annual rebalancing, third-party portfolio execution, and a structure that limits direct client interaction with strategists.

Jennifer Statler is a CFP® professional with seven years of industry experience, currently affiliated with Commonwealth Financial Network in Phoenix, AZ. Her work history includes roles at Gale Investment Management, Five Point Wealth Advisors, and Blakeman & Associates. Outside of her advisory work, she has been involved with Chaparral Christian Church since 2012. Commonwealth Financial Network supports a national network of approximately 2,950 advisors and their clients by providing advisory programs, technology, investment management, and compliance services. The firm offers a variety of program structures and discretionary model portfolios managed by its Investment Management and Research team.

Jose Monterrosa is a CFP® professional with 14 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory in Phoenix, AZ, where he has worked since 2025, and has been affiliated with Charles Schwab since 2018. His prior roles include positions at PRO Unlimited, EXTENDED TRAVEL, and Beneco. 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 recommendations are based on Charles Schwab & Co.’s asset-allocation models and internal research, offering guidance on a range of investment options while requiring client authorization for trades.

Joel Pietila is a financial advisor with Hightower Advisors in Phoenix, AZ, holding a Series 66 designation and two years of industry experience. Prior to joining Hightower Advisors, he worked at Thrivent Financial and Thrivent Investment Management Inc. He has also held roles in education at Hillsdale College, Heritage Academy Gateway, and Benjamin Franklin Charter School. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients. The firm emphasizes manager selection and multi-manager solutions, offering discretionary and non-discretionary portfolio management along with access to proprietary research and a variety of investment vehicles.

Joseph Abbott is a CFP® professional with 10 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory in Phoenix, AZ. His prior experience includes roles at Charles Schwab & Co., Fidelity Brokerage Services LLC, and The Vanguard Group. Abbott holds Series 63 and Series 66 licenses. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and point-in-time wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on Charles Schwab & Co.’s asset allocation models and proprietary research, with investment decisions requiring client authorization and tailored to individual goals and risk tolerance.