Jennifer Foglia is a financial advisor at Fidelity with 18 years of industry experience. She holds the Series 63 and Series 66 designations. Prior to joining Fidelity, she worked for Nationwide Investment Services Corporation for 10 years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a charitable gift fund. The firm utilizes a blend of fundamental research and quantitative analysis to construct model portfolios featuring mutual funds, ETFs, and ETPs, and maintains a formal advisory role with multiple registered funds.

Kevin Cypert is a financial advisor with LPL Financial in Phoenix, AZ, holding Series 63 and Series 66 licenses and having 26 years of industry experience. His prior roles include positions at M. S. Howells & Co., Annexus Securities, FSC Securities Corporation, and Charles Schwab. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a broad network of over 22,800 advisors and managing more than $819 billion in discretionary assets.

Derek Skains is a financial advisor at OSAIC with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Securities America Advisors and Raymond James Financial. Outside of advisory work, he collects royalties from family land in Louisiana and serves as president of Skains Investment Partners, an insurance-related business. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm uses model-based asset allocation and portfolio optimization tools to support discretionary and advisor-managed investment strategies.

Clifford Selsor III is a financial advisor at Edward Jones in Peoria, AZ, holding a Series 66 designation with 12 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and is notable for its large network of advisors and branch offices, as well as its affiliated capabilities beyond traditional advisory services.

Scarlet Filmore is a CFP® professional with 17 years of experience in the financial services industry. She has worked at Ameriprise since 2018, following roles at 1st Global Advisors Inc., 1ST Global Capital Corp., and Monheit Financial Group. Outside of her advisory work, she is involved with Young Living Essential Oils, where she occasionally purchases products for personal use. Ameriprise provides retirement-income planning services tailored to clients approaching or in retirement, typically those with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Jacqueline Villa is a financial advisor at OSAIC Wealth Inc with 19 years of industry experience. She holds the Series 66 designation and has previously worked at Cetera, Woodbury Financial Services, National Planning Corporation, and the Airforce Department of State. She is also involved with Phoenix Financial Group, where she performs administrative and client service duties. OSAIC Wealth serves a diverse range of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization, with options for discretionary or advisor-managed strategies and access to third-party money managers.

Matthew Goldman is a financial advisor with Charles Schwab in Peoria, AZ, holding Series 63 and Series 65 licenses and four years of industry experience. His prior work includes roles at Charles Schwab Bank and Yard House, as well as public service with the Jurupa Community Services District. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering both non-discretionary investment guidance and access to discretionary separately managed accounts through an integrated and large-scale operational platform.

Tyler Zavala is a CFP® with seven years of industry experience, currently affiliated with LPL Financial since 2022. He previously worked at AE Wealth Management, LLC and Independent Wealth Management. In addition to his advisory role, Zavala is involved in tax preparation and accounting through his work with Rock Martin Private Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individual and institutional clients through a large network of advisors. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supporting advisors with advanced research and operational tools.

Adam Wertheimer is a financial advisor at Fidelity with 19 years of industry experience. He holds the CFP® designation, as well as Series 63 and Series 65 licenses. His prior experience includes roles at Bank of America and Merrill. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs. The firm also serves as an adviser to multiple registered investment companies and employs systematic methodologies and oversight in its investment approach.

Miguel Hernandez Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and six years of industry experience. He has worked at J.P. Morgan Securities since 2019 and has been with JPMorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Alan Conrad is a financial advisor with Raymond James Financial in Goodyear, AZ. He holds the Series 66 designation and has one year of industry experience. Prior to joining Raymond James, he worked in various roles including positions at Family Tree Health Care and Prospect Blue. He owns Blue Sky Financial Services PLLC, through which he operates as an independent contractor for Raymond James. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, and institutional investors. The firm offers tailored, non-discretionary advisory services and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Gina Mancebo is an Executive Planning Consultant at Fidelity Investments, a role she has held since 2025. She collaborates with executives to develop personalized financial strategies that align with their goals and changing needs. Gina focuses on simplifying complex financial decisions and fostering long-term relationships with her clients. Her experience at Fidelity Investments spans several positions since 2015, including Benefits and Planning Consultant, Branch Planning Consultant, Relationship Manager, and Financial Representative. This range of roles has given her a broad perspective on financial planning and client service. Gina holds a California Insurance License. Outside of her professional responsibilities, she has interests in hiking, running, traveling, volunteering, and spending time with her pets.

Michael Kincaid is a financial advisor with LPL Financial in Phoenix, AZ, holding Series 63 and Series 65 credentials and 28 years of industry experience. His prior roles include positions at OneAZ Credit Union, New York Community Bank, UBS Financial Services, and KeyBanc Capital Markets. Outside of his advisory work, he is part owner of a gymnastics and cheerleading facility with his wife. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management access, and institutional platforms, utilizing a range of customizable investment strategies and advisor support tools.

Christine Villacis is a Series 66-registered financial advisor at Merrill with four years of industry experience. She has worked at Bank of America since 2022 and has been with Merrill since 2005. Outside of her advisory role, she operates a sole proprietorship related to raising backyard chickens as a hobby with her son. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jason Covington is a CFP® professional with 25 years of experience in the financial services industry. He is currently with Cetera and has previously worked at Schwab Private Client Investment Advisory, Inc. and Charles Schwab. He is also the owner of Covington Wealth Strategies LLC, which operates as a DBA for his Cetera business. Cetera Investment Advisers LLC is an SEC-registered advisory firm serving a broad client base that includes individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management and consulting services, serving over 10,000 advisors and managing more than $256 billion in assets.

Jason Peterson is a financial advisor at Edward Jones with 12 years of industry experience. He has held his position at Edward Jones since 2013. Outside of his advisory role, he owns two consulting businesses focused on business development and energy optimization. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of investment strategies and advisory services supported by a large network of financial advisors and branch offices nationwide.

Charles McGrath Jr. is a CFP® with 30 years of experience in the financial services industry. He is currently with LPL Financial and previously worked at Lincoln Financial Advisors Corporation, Avantax, and 1st Global Advisors. In addition to his advisory role, he has extensive experience as a CPA and tax professional, and he also serves as a soccer referee and instructor for tax software. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a wide range of financial planning and investment management services through a large network of advisors and utilizes various investment platforms and operational tools.

George Denham is a financial advisor at Edelman Financial Engines with two years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including OneAmerica Securities, American United Life, Pembroke Financial Services, and Bordier & Cie (UK). Edelman Financial Engines provides technology-enabled investment advisory and financial planning services for individual investors, retirement-plan participants, and institutional clients. The firm combines proprietary modeling with planner delivery and online tools, offering diversified portfolios, periodic rebalancing, and fiduciary oversight under ERISA and DOL guidelines.

Melissa Gest is a financial advisor with Thrivent Investment Management in Phoenix, AZ. She holds a Series 66 designation and has 16 years of industry experience, including 15 years at Morgan Stanley prior to joining Thrivent Financial and Thrivent Investment Management in 2026. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on comprehensive, goal-based financial planning without discretionary trading authority. The firm offers these services either as one-time consultations or ongoing relationships and integrates planning with managed-account options under a consolidated billing system called WealthPlan.

Vincent Fitzpatrick is a CFP®-designated financial advisor with Edward Jones in Surprise, AZ, bringing 25 years of industry experience. Before joining Edward Jones in 2018, he worked at Scottrade for five years. Outside of his advisory work, he serves as a golf course ranger at Granite Falls Golf Course on weekends. Edward Jones is a full-service wealth management firm serving over four million clients, including individuals, institutions, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated funds, operating under a fiduciary standard.