Samuel Smith is a financial advisor with LPL Financial in Scottsdale, AZ, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at Bank of America, Merrill, Raymond James Financial, and BANK OF THE WEST. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Ryan Mills is a financial advisor with Wells Fargo Clearing in Tempe, AZ, holding Series 63 and Series 66 licenses and nine years of industry experience. He has been with Wells Fargo Clearing since 2016 and associated with Wells Fargo Bank, NA since 2013. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, incorporating a broad range of financial product offerings, including insurance-related vehicles and bank deposit sweep options.

Ryan Harper is a financial advisor with Equitable Advisors in Scottsdale, AZ, holding a Series 66 designation and seven years of industry experience. His work history includes roles at Equitable Advisors, Axa Advisors, Nicola Imports, and Zoom Video Communications. He serves as a trustee for a family living trust and works as a broker for Unum Group on long-term disability insurance. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and a broker-dealer, utilizing LPL-sponsored programs and third-party managers to deliver advisory and brokerage solutions.

Kateryna Kariniemi is a financial advisor with Ameriprise in Phoenix, AZ, holding a Series 66 designation and 13 years of industry experience. She has been with Ameriprise and its affiliated entities since 2014. Ameriprise is a large institutional firm offering a retirement-income planning service designed for individuals nearing or in retirement who meet specific asset criteria. The firm provides a range of advisory, brokerage, and insurance solutions, with a retirement-income approach that integrates research, modeling, and tax-efficiency analysis.

Shelley Sedor is a financial advisor at Wells Fargo Clearing with 40 years of industry experience. She holds the Series 63 designation and has worked with Wells Fargo entities since 2009. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process incorporates modern portfolio theory and offers both discretionary and non-discretionary services, including investment policy statement preparation, performance reporting, participant education, and plan benchmarking.

Donovan Zimmerman is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He previously worked at Concourse Financial Group Securities Inc for 19 years before joining Cetera in 2025. Outside of advisory work, he serves as an elder at Sunnyslope Mennonite Church, providing leadership and spiritual guidance. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to affiliated and third-party investment strategies.

Jeffrey Obrien is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 65 designations and nine years of industry experience. Prior to joining Vanguard in 2020, he worked at several financial firms including JP Morgan Securities and McAdam LLC. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible retirement plan participants. The firm uses a goal-based, algorithm-driven approach with portfolios primarily constructed from Vanguard funds and ETFs, offering tax-aware features and customization options.

Curtis Skousen is a financial advisor at Vanguard Advisers with five years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones for five years. His background also includes roles in the automotive and cleaning industries, as well as teaching at the University of Phoenix. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary models to construct portfolios mainly from Vanguard funds and ETFs, combining scale and digital delivery through its extensive advisor team.

Franklin Wenning is a financial advisor at Morgan Stanley in Scottsdale, AZ, with 10 years of industry experience. He holds a Series 66 designation and previously worked at Merrill from 2016 to 2018. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and offers both individual and corporate financial planning services.

Jared Maroon is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 14 years of industry experience. He previously worked at Edward Jones for nine years before joining Raymond James in 2021. He is also involved as an owner of SilverTree Collective, an umbrella entity for various business groups. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual and high-net-worth investors, pension and profit-sharing plans, charitable organizations, and government entities. The firm offers tailored, non-discretionary advisory services and specialized programs such as the SIMPLE IRA Employer Advisory & Consulting Services for small businesses.

Lindsey Martin is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2013 and 2015, respectively. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and market modeling techniques as part of its financial planning process.

Maria Lucero is a financial advisor at Merrill with 17 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2009. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm’s integration with Bank of America allows access to a wide range of products and services beyond typical investment management.

Justin Zeis is a CFP® with 20 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has been with Vanguard Advisers since 2015 and also has ongoing roles with Vanguard Marketing Corporation and The Vanguard Group, Inc. in Scottsdale, AZ. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary models and largely constructs portfolios from Vanguard funds and ETFs, offering a range of customization options and tax-aware features.

Shawn Jackson is a financial advisor at Vanguard Advisers with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked at multiple Vanguard entities since 2022. Outside of his advisory role, he is self-employed as a contracted delivery driver. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with personalized asset allocations primarily constructed from Vanguard funds and ETFs.

Anne King is a financial advisor at Morgan Stanley in Scottsdale, AZ, holding a Series 66 designation with two years of industry experience. Prior to joining Morgan Stanley in 2022, she worked at Cinnaholic LLC and Chick-fil-A. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer providing a variety of advisory programs to individuals and institutions, including tailored financial planning supported by proprietary tools and models. The firm manages approximately $2.74 trillion in client assets and offers comprehensive services that include both direct client engagements and corporate financial planning agreements.

Denise Arrington is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo in various capacities since 2002. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Tracy Shore is a financial advisor with Merrill in Scottsdale, AZ, holding Series 63 and Series 66 credentials and 26 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 1994. Outside of her advisory role, she serves as a trustee for C A C Trust in Sun City, Arizona. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, and institutional investors. The firm integrates with Bank of America’s broader corporate platform, providing access to a wide range of financial products and services.

Ashwani Barar is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 credentials and with 19 years of industry experience. He has been with The Vanguard Group since 2006. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants, using a goal-based, algorithm-driven approach with portfolios constructed primarily from Vanguard funds and ETFs. The firm manages a large client base through a combination of digital platforms and advisory teams.

Casey Ethier is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 65 licenses and 16 years of industry experience. He has been with Vanguard since 2009, including roles at Vanguard Marketing Corporation and The Vanguard Group, Inc. Vanguard Advisers provides digital and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary models to create personalized portfolios predominantly composed of Vanguard funds and ETFs.

Amos Yu is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. He also serves as a power of attorney for his mother. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment management. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.