Craig Despres is a financial advisor with Mass Mutual Investors Services, holding Series 65 and Series 63 licenses and two years of industry experience. His prior work includes roles at Adopt Technologies, LLC, Zayo Group, and IO Data Centers. He is also the owner and manager of Milestone Financial, LLC, an operating business he oversees. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, emphasizing collaborative, goal-oriented planning supported by firm-approved analytical tools.

Dane Kelly is a financial advisor with LPL Financial in Phoenix, AZ, holding the Series 66 designation and 11 years of industry experience. He has worked at LPL Financial since 2021 and is also involved with Siefer & Kelly Management, a business entity for tax and investment purposes. Kelly's career includes experience with various insurance carriers and Waddell & Reed, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolio options.

Ivaylo Dimov is a financial advisor at Charles Schwab with 12 years of industry experience. He holds the Series 66 designation and has been with Charles Schwab since 2013, including time at Charles Schwab Bank, SSB since 2025. 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. The firm combines a large-scale client base with a dual-registered broker-dealer and investment adviser structure, offering both non-discretionary and discretionary investment options supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Merica Chmait is a financial advisor with UBS Financial Services who holds a Series 66 designation and has 24 years of industry experience. She has worked at UBS since 2021 and previously spent 12 years at Morgan Stanley Smith Barney. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides proprietary research and a broad range of capital markets solutions.

Patricia Smith is a financial advisor at UBS Financial Services with 45 years of industry experience. She holds Series 63 and Series 65 licenses and has been with UBS for 20 years. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations in delivering its advisory work.

Brian Mc Ginty is a CFP® professional with 34 years of industry experience, currently with Charles Schwab in Phoenix, AZ. His prior experience includes roles at TD Ameritrade, Carillon Fund Distributors, and Oppenheimerfunds. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through Schwab Wealth Advisory’s wrap fee program and affiliated financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and order-routing operations.

Nicholas Wallace is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and seven years of industry experience. His prior work includes roles at the AZ Department of Public Safety and healthcare facilities before joining Charles Schwab in 2018. Outside of financial advising, he operates small woodworking and custom design businesses. Charles Schwab & Co., Inc. serves a broad client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management supported by an integrated operational structure.

David Dorward is the Senior Resident Director of the Phoenix office and a Managing Director at Merrill Lynch Wealth Management. He began his career in the financial services industry in 1995 and joined Merrill Lynch Wealth Management in 1997. His professional focus is on serving ultra-high net worth clients, including corporate executives, professional athletes, physicians, retirees, and business owners. As a Portfolio Manager, he manages personalized or defined discretionary investment strategies that may include individual stocks and bonds, Merrill Lynch Wealth Management model portfolios, and third-party strategies. He holds professional designations such as Chartered Retirement Planning Counselor™ (CRPC™) and Certified Plan Fiduciary Advisor® (CPFA®) and is recognized as a Forbes Best in State Wealth Advisor from 2019 to 2026. He holds multiple FINRA registrations including Series 7, 63, 65, 52, 31, 9, and 10 Securities Principal. David earned his Bachelor's degree from Northern Arizona University and is an Arizona native. He is a graduate and alumnus of Scottsdale Leadership Organization (Class XXI). His community involvement includes serving on the Board of Directors for the Fiesta Bowl organization. He has also dedicated time to several local charities and served as a Reserve Volunteer for the Paradise Valley Police Department.

Christopher Molina is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 designations and 14 years of industry experience. His prior work includes roles at USAA Investment Management Co., USAA Financial Advisors, APEX Systems, Fisher Investments, and Scottrade. Charles Schwab 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. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, utilizing multi-asset model portfolios, written advice policies, and alternative investment due diligence.

Virginia Rueth is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. She has been with Charles Schwab since 2006. 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. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by a large-scale integrated structure and a formal alternative investment process.

Tedda Rogers is a financial advisor at Charles Schwab with 29 years of industry experience. She has held roles at USAA Investment Management Company and USAA Financial Planning Services prior to joining Charles Schwab in 2020. Outside of her advisory work, she owns a property in Phoenix where she rents out space for vehicle and storage purposes. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management and comprehensive financial planning services. The firm’s integrated platform supports a large client base with centralized supervision, custody, and order-routing capabilities.

Jana Frydman is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and 14 years of industry experience. She has been with Charles Schwab since 2010. Charles Schwab 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. The firm combines a non-discretionary client relationship model with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and operational services.

Martin Falcon is a financial advisor at Fidelity with eight years of industry experience. He holds a Series 66 designation and has worked with Fidelity Investments, Fidelity Brokerage Services LLC, Charles Schwab Bank, Charles Schwab, and USM, Inc. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, delegated management, and involvement with registered investment companies and fund-of-funds.

Thomas Lofy is a financial advisor with LPL Financial in Phoenix, AZ, holding a Series 66 designation and with 24 years of industry experience. He has been with LPL Financial since 2003. Outside of advising, Mr. Lofy is involved in estate planning through his ownership in a legal services firm and operates as an independent agent selling non-variable insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, various advisory programs, retirement plan consulting, and brokerage services supported by both discretionary and non-discretionary management and extensive research resources.

Rickey Pickering is a financial advisor with Edward Jones in Sun City, AZ, holding a Series 66 designation and 14 years of industry experience. He has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and supported by a nationwide network of approximately 23,701 financial advisors.

Richard Schneider is a financial advisor at UBS Financial Services with 40 years of industry experience. He holds Series 63 and Series 65 designations and has worked at UBS since 2006. Outside of his advisory role, he serves as co-executor for the estate of Alexander Dube, overseeing asset liquidation and distribution. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor strategies to client goals.

Tessa Garnett is a financial advisor with J.P. Morgan Securities in Phoenix, AZ, holding a Series 66 designation and four years of industry experience. She previously worked at BMO Harris Bank for nine years before joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2022. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Theresa Engle is a financial advisor at Osaic Wealth, Inc. with 36 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses and has worked with firms including Orba Financial and Signator Investors. Engle also operates her own sole proprietorship, providing sales and marketing services for securities, investment advisory, and insurance products. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through an extensive network of affiliated advisors, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios managed on either a discretionary or non-discretionary basis.

Mark Dunn is a financial advisor at Charles Schwab with 21 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining Charles Schwab in 2020, he worked at USAA in various financial advisory and planning roles from 2014 to 2020. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of advisory, brokerage, custody, and financial planning services delivered through a largely non-discretionary client relationship model.

David Barnett is a financial advisor with Cetera in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. His prior roles include positions at Avantax Investment Services and 1ST Global Advisors, with ongoing involvement in his own firm, PK Financial Strategies. Outside of his advisory work, he is president of DB Golf, LLC, a company managing related revenue. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, supporting both discretionary and non-discretionary strategies.