Michael O'Malley is a financial advisor with United Planners' Financial Services of America, holding Series 65 and Series 66 credentials and bringing 20 years of industry experience. He has been with United Planners since 2015 and is also a partner at O'Malley & Berberich CPAs PC, where he has provided accounting, tax preparation, and business consulting services since 2001. United Planners serves a diverse client base, including individuals, corporations, charitable organizations, retirement plans, and institutional clients such as sovereign wealth funds and banks. The firm operates as both a registered investment adviser and a broker-dealer, offering financial planning, portfolio management, retirement plan services, and brokerage solutions through a network of 477 independent advisors.

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.

Daniel Gombrich is a financial advisor with Integrity Alliance, LLC in Scottsdale, AZ, holding a Series 65 license and eight years of industry experience. Prior to joining Integrity Alliance in 2023, he worked at Gladstone Wealth Partners, Gradient Securities LLC, Questar Asset Management, FinRev Financial, LLC, and American Senior Benefits. Outside of investment advising, he is involved in insurance sales through several entities including Heartland Retirement Group and Gombrich Consulting, LLC. Integrity Alliance serves a broad client base ranging from individual investors to corporations and qualified retirement plans. The firm offers a diverse range of services including portfolio management, financial planning, and access to both advisor-managed and third-party model portfolios, operating as a large advisor network with over 300 representatives managing approximately $5.4 billion in client assets.

Scott O'keeffe is a financial advisor with UNITED PLANNERS' FINANCIAL SERVICES of AMERICA, holding Series 63 and Series 65 licenses and having 29 years of industry experience. He has been with United Planners since 2011 and concurrently maintains an active insurance license in Arizona for life, health, and disability coverage, though he does not currently solicit insurance products or clients. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients, providing financial planning, portfolio management, retirement services, and brokerage solutions through a network of 477 independent advisors. The firm operates an open-architecture platform with multiple custodians and third-party money managers and is notable for its largely non-discretionary asset mix and limited partnership ownership structure.

Steven Deacon is a financial advisor with Commonwealth Financial Network in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He previously worked at Blackrock Investments, LLC from 2011 to 2019 and has been with Commonwealth and Blakeman and Associates, Inc. since 2019. Outside of his advisory role, he is the owner of Five Point Wealth Advisors LLC, a private entity facilitating securities, advisory, and insurance business. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, offering a range of advisory programs and services including custom portfolios, third-party asset manager access, and retirement plan consulting. The firm provides operations, trading, technology, investment management, compliance, and practice-management support to affiliated advisors, while its Investment Management and Research team manages discretionary model portfolios.

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.

Babette Molina is a financial advisor with United Planners Financial Services of America, holding Series 63 and Series 65 credentials and eight years of industry experience. She has been with United Planners Financial Services since 2014. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and various institutional clients. The firm operates as both a registered investment adviser and broker-dealer, providing financial planning, portfolio management, retirement plan services, and brokerage solutions through an open-architecture platform utilizing multiple custodians and third-party money managers.

Patrick Freeman Jr. is a financial advisor with D.A. Davidson & Co. who holds a Series 66 designation and has 23 years of industry experience. He joined D.A. Davidson in 2018 after working at LPL Financial and Cetera. Freeman serves on the Idaho Department of Finance Emerging Technology Advisory Committee, advising on senior investor concerns. 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 ERISA retirement plan advisory, comprehensive financial planning, and a private wealth program for high-net-worth clients, operating under fiduciary standards with both qualitative and quantitative investment analysis.

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.

Brent Mekosh is a CFP® professional with 27 years of industry experience, currently serving as a financial advisor at Concurrent Investment Advisors, LLC. His prior experience includes roles at Raymond James Financial Services and Purshe Kaplan Sterling Investments. He is also the owner of Mekosh Financial Services, where he manages internal operations and compliance functions. Concurrent Investment Advisors, LLC is an SEC-registered multi-team advisory firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm offers customized, primarily long-term wealth and investment management solutions supported by a network of approximately 286 advisors.

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.

Alec Wick is a financial advisor with United Planners Financial Services of America and holds a Series 65 designation. He has one year of industry experience and has previously worked with Northwestern Mutual Life Insurance Company and Puccio Investment Services. Outside of financial services, he has experience working at Pleasant Valley Golf Course. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base that includes individual investors, retirement plans, corporations, trusts, estates, and institutional clients. The firm offers advisory and brokerage services through independent Investment Adviser Representatives, utilizing a mix of custodians and third-party managers, with a notable emphasis on non-discretionary account management.

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.