Alex Beck is a CFP® professional with 16 years of industry experience. He currently works at Schwab Wealth Advisory and previously spent 14 years with THE Vanguard Group, Inc. His background includes extensive experience in financial advisory services within well-established firms. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and selected Charles Schwab & Co.-referred clients. The firm uses standardized asset allocation models and internal research tools to deliver tailored recommendations, primarily utilizing mutual funds, ETFs, separately managed accounts, and alternative investments.

Larry Singleton is a financial advisor at Kestra Advisory with a Series 66 designation and three years of industry experience. His prior work includes roles at Morgan Stanley, Bank of America, Merrill, and service in the U.S. Navy. Kestra Advisory provides investment advisory and retirement-plan consulting services to a broad mix of institutional and individual clients, including plan sponsors. The firm offers services such as fiduciary consulting, plan design, employee education, and advisor-managed accounts, serving clients ranging from individual investors to large institutional entities like sovereign wealth funds.

Thomas Lawless is a CFP® professional with 38 years of industry experience, currently affiliated with Commonwealth Financial Network and Ke Wealth Advisors. He has worked at Ameriprise Financial Services, Inc. for 14 years before joining his current firms in 2019. Lawless is a part owner of Ke Wealth Advisors, a private entity serving securities, advisory, and insurance needs. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser supporting a national network of nearly 2,900 advisors and managing approximately $213 billion in client assets. The firm provides a comprehensive adviser-support platform with managed-account programs, access to third-party asset managers, and various investment options.

Richard Beckley is a CFP® with 38 years of industry experience, currently serving as a financial advisor at Guardian Life and Park Avenue Securities. He has been associated with Guardian Life and its related entities since 1998. Beckley also offers insurance products beyond those provided by Guardian. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides both brokerage and advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a combination of advisor-led discretionary management and model-based strategies, along with access to proprietary programs and third-party solutions.

Heather Adams is a financial advisor with First Citizens Investor Services, Inc. in Phoenix, AZ. She holds Series 63 and Series 65 licenses and has nine years of industry experience, including prior roles at Wells Fargo Clearing and Wells Fargo Bank. First Citizens Investor Services serves individuals, including high-net-worth clients, as well as pension plans, charitable organizations, and businesses. The firm offers advisory and brokerage services through investment adviser representatives and third-party portfolio managers, with a client process based on assessing financial needs, risk tolerance, and time horizon to inform diversified portfolio allocations.

David Nieto is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory Inc. since 2017 and with Charles Schwab since 2014. He holds Series 63 and Series 66 licenses and is based in Phoenix, AZ. 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’s advice utilizes standard asset-allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

Brian Hughes is a financial advisor with Schwab Wealth Advisory holding a Series 66 designation and nine years of industry experience. He has worked at Charles Schwab & Co., Bank of America, and Merrill Lynch. Hughes is based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab–referred clients. The firm’s advice follows Schwab’s asset-allocation models and internal research, with trades executed only upon client authorization.

Benjamin Shannon is a CFP® with nine years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory since 2025. He has been with Charles Schwab in various roles since 2017 and previously worked at Tyler Allen Law Firm. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab’s proprietary asset-allocation models and research to tailor recommendations based on individual goals and risk tolerance.

Rebecca Kennell is a CFP® professional with 25 years of experience in the financial services industry. She has been with Commonwealth Financial Network since 2004. Outside of her advisory role, she is involved in music and entertainment as a consultant and owns Musica, LLC, a concert production and support company. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides advisory programs, wealth management, and retirement plan consulting, supporting advisors with operations, trading, technology, investment management, compliance, and practice management.

Eddie James is a financial advisor at Brookstone Capital Management LLC with six years of industry experience. He holds the Series 66 designation and has worked at several firms including Raymond James and Spring Venture Group. In addition to his advisory role, he is involved in insurance sales. Brookstone Capital Management is an SEC-registered adviser that provides fee-based asset management and financial planning through a turnkey asset management platform and wrap-fee program. The firm serves a broad client base including individuals, retirement plans, corporations, charitable organizations, other registered investment advisers, sovereign wealth funds, and banking or thrift institutions.

Cole Bialek is a financial advisor at Schwab Wealth Advisory, holding Series 63 and Series 66 licenses with three years of industry experience. His background includes roles at Schwab Wealth Advisory Inc., Charles Schwab, The Porch, and Rufenacht Commodities, among others. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program as well as certain Charles Schwab & Co.-referred clients. The firm uses standard asset-allocation models and internal research tools to deliver tailored recommendations, with trades executed only upon client authorization.

Jeffrey Withrow is a CFA® charterholder based in Scottsdale, AZ, affiliated with RBC Rochdale, LLC. He has 17 years of industry experience, including roles at CNR Securities, LLC and Curian Capital, LLC. Outside of his advisory work, he co-manages a short-term rental property in Scottsdale through JW2 Capital, LLC. RBC Rochdale serves a diverse client base, including high net worth individuals, institutions, and government entities. The firm employs an active, multi-strategy investment approach combining quantitative and fundamental analysis to tailor portfolios across equity, fixed income, real assets, and alternative investments.

Joshua Lawson is a financial advisor at Focus Partners Wealth, LLC with 13 years of industry experience. He holds a Series 66 designation and has worked previously at Churchill Management Group, Charles Schwab & Co., Inc., TD Ameritrade Investment Management, LLC, TD Ameritrade, Inc., and Merrill. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients, offering a range of wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach that combines active and passive strategies within an enhanced open architecture framework.

Michael Gobbato is a financial advisor with TIAA-CREF, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and USAA Financial Advisors. Outside of his advisory work, he serves as COO of Ambitious Stryk LLC, a soccer clothing vendor involved in a yearly soccer tournament. TIAA-CREF Individual & Institutional Services provides financial planning and discretionary managed account programs to individuals, trusts, estates, and corporate entities, often serving clients connected to TIAA-administered retirement plans. The firm offers a range of advisory services that separate point-in-time financial planning from ongoing portfolio management, including customized and model-based investment strategies.

Kerry Tanner is a Certified Financial Planner® with 45 years of industry experience, currently serving at Independent Financial Group, LLC since 2005. He has operated his own practice under his name since 1999. In addition to his advisory role, he works as an insurance agent offering life, health, and long-term care insurance, and provides tax preparation and bookkeeping services as an independent contractor. He is also active as a volunteer board member for a homeowners association. Independent Financial Group, LLC provides investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate and pension plans, and charitable organizations. The firm utilizes firm- and third-party investment models to create customized client strategies, combining passive and active asset management across various risk profiles.

Eric McDowell is a financial advisor at TIAA-CREF with 15 years of industry experience. He holds Series 66 and Series 63 designations and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. McDowell is also an owner of a long-term rental property in Scottsdale, Arizona. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals and entities, often serving clients with prior employer retirement plan relationships. The firm offers both point-in-time planning services and ongoing portfolio management using model or customized portfolios.

Luke Watson is a CFP® professional with 11 years of experience in financial services. He currently works at Schwab Wealth Advisory, Inc. and has previously held roles at Morgan Stanley, Merrill Edge, and Entrewealth, LLC. 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, financial planning, and point-in-time wealth management consultations. The firm’s advice is based on Charles Schwab’s standard asset-allocation models and internal research tools, with recommendations tailored to clients’ goals and risk tolerance.

Brandon Capps is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 66 licenses and having 21 years of industry experience. He has worked at Park Avenue Securities and Guardian Life since 2016. Outside of his advisory role, he is involved with the Kansas Pharmacist Association, assisting with member recruitment and promoting association benefits. He is also engaged with VibeQuest LLC, a company focused on airline comfort travel products. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers advisor-led discretionary management, model-based strategies, and digital advisory solutions, integrating insurance products and alternative investments through its connection with Guardian Life.

Andie Rose is a Series 66-licensed financial advisor with Schwab Wealth Advisory in Phoenix, AZ, and has one year of industry experience. Prior to joining Schwab, she worked at Fidelity Investments for two years. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab & Co.’s standard asset-allocation models and internal research tools. The firm manages over $218 billion in client assets and offers tailored recommendations without exercising discretionary trading authority.

John Kissam is a CFP® certificant with eight years of experience in financial services, currently serving at Schwab Wealth Advisory, Inc. He has prior experience at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, LLC, Wells Fargo Bank, N.A., and Lyft. Outside of advisory roles, Kissam is the managing member of Treehaus LLC, a non-investment-related real estate business. 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 proprietary asset-allocation models and internal research tools, with client-directed trade execution and portfolios often managed by third-party or affiliated money managers.