Michelle Heffel is a financial advisor at Osaic Advisory Services, LLC with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at firms including Pacific Capital Resource Group, Royal Alliance Associates, and Foresters Financial Services. Heffel also serves in compliance and supervisory roles within affiliated advisory groups. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving a diverse client base that includes individuals, pension and profit-sharing plans, corporations, trusts, charitable organizations, and municipal entities. The firm offers a range of services such as investment management, financial planning, retirement plan consulting, and third-party manager oversight, using multiple program models and both proprietary and third-party platforms.

Scott Householder is a financial advisor with Wealth Enhancement Advisory Services, LLC in Scottsdale, AZ, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He was previously affiliated with LPL Financial and led Householder Group Estate & Retirement Specialists for 12 years. Outside of advising, he serves as a trustee for the Gayle Bradford Davis Trust and is involved with multiple holding companies. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and employs a diversified investment approach blending passive and active strategies overseen by an internal Investment Committee.

Thane Walton is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has been with United Planners since 2014. United Planners is a national wealth-management enterprise serving a diverse client base including individual investors, retirement plans, corporations, trusts, estates, and institutional clients. The firm offers advisory and brokerage services through independent Investment Adviser Representatives and manages approximately $12.77 billion in assets, primarily on a non-discretionary basis.

William Friese Jr. is a financial advisor with Oppenheimer in Scottsdale, AZ, holding a Series 66 license and five years of industry experience. Prior to joining Oppenheimer, he worked for nearly two decades at Arizona Associated Surgeons. Outside of his advisory role, he serves as an independent contractor with Planned Parenthood of Arizona, performing vasectomies for an underserved population. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans, offering a variety of advisory programs including discretionary and non-discretionary portfolio management, consulting, and financial planning. The firm employs a range of investment approaches tailored to different programs and advisors, with a substantial focus on non-discretionary client relationships.

Andrew Wood is a financial advisor at Beacon Pointe Advisors, LLC with 11 years of industry experience. He holds a Series 66 designation and previously worked at Charles Schwab for 10 years before joining Beacon Pointe in 2022. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse client base, including individuals, institutions, and retirement plans. The firm employs a manager-driven investment approach using a proprietary Focus List, quantitative and qualitative due diligence, and offers a range of services from wealth management to outsourced CIO solutions.

Tiffany Lum is a CFP® with 12 years of industry experience, currently affiliated with United Planners Financial Services of America as a Limited Partner. Her prior experience includes roles at OSAIC, PFG Advisors-RIA, Securities America, and Cue Financial Group. Outside of advisory work, she serves as president of Teal Tax Services PLLC, a tax preparation and accounting firm. United Planners Financial Services serves a diverse client base, including individuals, corporations, charitable organizations, and institutional clients, offering financial planning, portfolio management, retirement plan services, and brokerage solutions through a large network of independent advisors. The firm operates an open-architecture platform using multiple custodians and third-party money managers, with a focus on largely non-discretionary asset management.

Reynaldo Sandoval is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has worked with Charles Schwab and its affiliates since 2014 and serves as a sergeant in the United States Marine Corps. Sandoval also works seasonally as a driver for a local logistics company in the Phoenix area. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews and customized investment recommendations using Schwab’s research tools and standard asset allocation models.

Erin Sweitzer is a financial advisor with Commonwealth Financial Network based in Phoenix, AZ. She holds the Series 66 designation and has 17 years of industry experience. Since 2016, she has been associated with Camelback Retirement Planners. 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 around $212.7 billion in client assets. The firm provides a broad adviser-support platform that includes managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Barnabas Choe is a financial advisor at Schwab Wealth Advisory with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab & Co., Inc. and Quicken Loans. In 2023, he was associated with Ubiquitous Bookkeeping Services LLC. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s standard asset allocation models and research tools.

Dieter Bollmann is a CFP® professional with 25 years of experience in the financial services industry, currently affiliated with United Planners Financial Services of America as a Limited Partner. He has held roles at Dundas Wealth Management LLC and First Financial Equity Corp, and is involved in independent insurance agency work. Outside of finance, he has longstanding involvement with the Arizona Center for Germanic Cultures and the German-American Chamber of Commerce West-Arizona Chapter. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, and institutional clients, providing financial planning, portfolio management, retirement plan services, and brokerage solutions through a network of 477 independent advisors. The firm uses an open-architecture platform with multiple custodians and third-party money managers, offering both fee-based and commission-based investment options.

Pascal Kropf is a CFP® with 11 years of industry experience, currently advising at CWM, LLC. His prior roles include positions at Silverhawk Private Wealth, The Vanguard Group, Morgan Stanley, and Wells Fargo. Outside of financial advising, he is owner of two LLCs, Modern Marquee Society and Clear Notarization, which provide event equipment services and notary services, respectively. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a large network of advisors. The firm employs a discretionary investment approach using model portfolios, third-party sub-advisors, and customization tools, with an emphasis on retirement-plan services and comprehensive fiduciary oversight.

Tom Nguyen is a financial advisor at Mariner with 11 years of industry experience. He holds Series 65 and Series 63 credentials and has worked at firms including Bank of America, Merrill, UnionBanc Investment Services, Morgan Stanley, and Charles Schwab. Outside of advising, he operates a sole proprietorship focused on real estate transactions for his own account. Mariner serves a diverse client base encompassing individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, and retirement plan consulting. The firm employs a discretionary, customized portfolio approach supported by in-house research and third-party managers, and is noted for its integrated tax and accounting services along with administrative CFO capabilities and financial wellness tools.

Tyler Lieberman is a financial advisor with Guardian Life and holds the ChFC® and Series 66 designations, bringing 10 years of industry experience. His work history includes roles at Guardian Life, Park Avenue Securities, Allstate Insurance Company, and several financial institutions. He is also involved in outside insurance sales. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser serving individuals, pension plans, charitable organizations, and corporate clients with brokerage services, financial planning, and a variety of investment advisory programs.

Michael Foster is a financial advisor at Schwab Wealth Advisory with 7 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Schwab Wealth Advisory since 2022. Prior to that, he was involved with Naviigo LLC, where he served as CEO overseeing the development of a travel experience mobile app. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, delivering recommendations based on Schwab’s research tools and standard asset allocation models. The firm conducts annual reviews without exercising discretionary trading authority, operating as an internal advisory unit within the Schwab ecosystem.

Rachel Schmidt is a financial advisor at Schwab Wealth Advisory with a Series 66 credential and one year of industry experience. She has worked at Charles Schwab & Co., Inc. and Cetera-affiliated firms. Outside of her advisory role, she serves as adjunct faculty at Grand Canyon University, grading engineering coursework. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations using Schwab’s proprietary research tools, with clients retaining final trading decisions.

David Simmers is a financial advisor at SPC with 42 years of industry experience. He holds Series 63 and Series 65 designations and has been with SPC since 2014. He also operates Simwey Financial Group, an investment-related business offering mutual funds, variable contracts, and fixed annuities. SPC serves a diverse client base including high-net-worth individuals, charitable organizations, corporations, and retirement plans. The firm provides portfolio management, financial planning, and ERISA-related retirement services, with an approach that includes discretionary and nondiscretionary management options and collaboration with third-party investment managers.

Tigran Unciano is a CFP® and CFA® with 15 years of industry experience, currently serving as a financial advisor at Creative Planning since 2022. Prior to joining Creative Planning, he worked for 16 years at Hatton Consulting, Inc. based in Phoenix, AZ. Creative Planning provides investment advisory and financial planning services to a diverse client base including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in client assets and employs a financial planning–led investment approach that emphasizes low-cost indexing and buy-and-hold strategies, supplemented by additional portfolio management techniques and comprehensive retirement plan services.

Jeremy Wallen is a financial advisor with Valic Financial Advisors in Scottsdale, AZ, holding a Series 66 designation and 20 years of industry experience. His prior roles include positions at UnionBanc Investment Services, Bank of America, Merrill, LPL Financial, and Oneaz Credit Union. He is also appointed as an agent to sell non-securities insurance products for AGIA. Valic Financial Advisors primarily serves U.S.-domiciled 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.

Jeremy Kisner is a CFP® professional with 21 years of industry experience, currently serving at Corient in Phoenix, AZ. His prior roles include positions at Surevest Private Wealth, Crown Capital Securities, and Securities America. Kisner also manages two residential rental properties as a landlord. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, pension plans, and charitable organizations. The firm employs a goals-based, team investment approach that integrates in-house strategies with third-party managers and uses advanced risk management tools to align portfolios with client objectives.

Justin Fitzpatrick is a financial advisor with Schwab Wealth Advisory holding a Series 66 designation and based in Phoenix, AZ. He has been in the industry since 2026 and previously worked at LPL Financial. Justin has experience with the National Restaurant Association and spent time in education roles at Bradley University and elsewhere. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, delivering recommendations based on Schwab’s asset allocation models and research tools while leaving final trading decisions to clients. The firm operates as an internal advisory unit within the Schwab ecosystem and serves primarily individual investors rather than institutional accounts.