Navreet Bath is a CFP® professional with nine years of industry experience, currently serving as an advisor at Schwab Wealth Advisory Inc. since 2020. Prior to this, Navreet worked at Charles Schwab starting in 2017 and was employed at Harkins Theatres from 2014 to 2017. 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 approach is based on Charles Schwab & Co.’s asset-allocation models and internal research, offering tailored recommendations with trades executed only upon client authorization.

Victoria De Oliveira is a financial advisor with Schwab Wealth Advisory Inc. in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. Her prior roles include positions at J.P. Morgan Securities LLC and Frost Investment Services. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach utilizes proprietary asset-allocation models and research tools to tailor recommendations based on clients’ goals and risk tolerance.

Kayla Begue is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and 10 years of industry experience. She has been with Schwab Wealth Advisory and Charles Schwab since 2015. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and internal research tools, with recommendations tailored to clients' goals and risk tolerance.

Jeffrey Carter is a financial advisor at Hornor, Townsend & Kent, LLC, with a Series 66 credential and one year of industry experience. Prior to joining Hornor, Townsend & Kent, he held positions in mortgage lending and real estate, including roles at Caliber Home Loans and West USA Realty. Outside of his advisory role, he owns a consulting company focused on advising senior management on operational efficiencies and strategies. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans with advisory programs, financial planning, and retirement plan consulting. The firm operates both advisory and broker-dealer services, offering a range of account options and third-party asset manager relationships under a due diligence and supervisory framework.

Davis Pearce is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Schwab Wealth Advisory in 2025, he worked at Charles Schwab & Co., Inc. and Carvana LLC. 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 referred clients. The firm’s guidance is based on Schwab’s asset-allocation models and research tools, with client-approved trade execution and regular portfolio reviews.

Joseph Tichenor IV is a CFP® with 22 years of industry experience, currently serving at Cerity Partners LLC since 2023. He previously worked at ARGI Investment Services, LLC for 13 years and National Planning Corporation for 9 years. Outside of his advisory work, he is a partner in Courtside LLC, a group involved in efforts to bring an NBA team to Louisville, and a silent partner in Brewavul LLC (River City Drafthouse). Cerity Partners advises a diverse client base, including high-net-worth individuals, families, institutions, and private funds, managing approximately $166.2 billion in client assets. The firm offers customized wealth management services and employs an investment approach centered on client-specific profiles, integrating proprietary quantitative methods with third-party strategies and direct security selection.

Nicholas Glueckler is a financial advisor with Sequoia Financial Group, L.L.C. in Phoenix, AZ, holding Series 63 and Series 66 credentials and bringing 11 years of industry experience. His prior roles include positions at John Hancock Investment Management, State Street Global Advisors, Morgan Stanley, Financial Engines Advisors, Turin Capital, and Merrill. Sequoia Financial Advisors, LLC provides wealth planning, investment management, retirement-plan advisory, and related consulting services to a diverse client base including individuals, family offices, corporations, charitable organizations, trusts, and retirement plans. The firm uses a mix of model and custom portfolio management strategies with a broad range of investment vehicles, supported by ongoing research, due diligence, and regular portfolio reviews.

Marshal Morgan is a financial advisor at Schwab Wealth Advisory with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Schwab Wealth Advisory, Charles Schwab Bank, Charles Schwab & Co., and The Vanguard Group. He was also self-employed and affiliated with Amazon Associates in recent years. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s guidance is based on Schwab’s asset-allocation models and internal research tools, offering tailored recommendations with client authorization required for trades.

Ryan Everett is a financial advisor with Principal Financial Services in Phoenix, AZ. He holds Series 63 and Series 66 designations and has one year of industry experience. Prior to joining Principal, he worked at LPL Enterprise and has diverse experience outside finance, including time with DME-Direct.com and In N Out Burger. Principal Securities provides brokerage and registered investment advisory services to a wide range of clients, including individual investors, retirement plans, trusts, and active-duty military personnel. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

David Moratti is a financial advisor with Commonwealth Financial Network in Phoenix, AZ, holding the ChFC® designation and Series 63 and 65 licenses. He has 30 years of industry experience, including prior roles at Morgan Stanley and Camelback Retirement Planners. He is a co-owner of RUN DMCC, LLC, a private entity facilitating securities, advisory, and insurance business. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, offering a variety of advisory programs and support services. The firm provides operations, trading, technology, investment management, compliance, and practice-management resources to affiliated advisors who deliver advice under Commonwealth’s supervision.

Daniel Brown is a financial advisor with Foundations Investment Advisors LLC in Phoenix, AZ. He holds Series 63 and Series 66 licenses and has 10 years of industry experience. His prior work includes roles at Edward Jones, Raymond James Financial Services, and Farmers Insurance. Foundations Investment Advisors provides financial planning and portfolio management to individual and high-net-worth clients, retirement plans, and registered investment companies through a large network of affiliated offices. The firm uses a combination of fundamental, technical, and cyclical analysis, model portfolios, and an asymmetric rebalancing approach to manage investments.

Nathan Faldmo is a CFP® professional with 16 years of industry experience, currently serving at Foundations Investment Advisors LLC since 2024. His prior experience includes roles at Fullerton Financial, Kingdom Financial Group LLC, Heritage Financial Partners, Purshe Kaplan Sterling Investments, and Stableford Capital. Foundations Investment Advisors provides financial planning and portfolio management to a diverse client base, including individuals, high-net-worth clients, retirement plans, and registered investment companies. The firm employs a mix of fundamental, technical, and cyclical analysis and uses model portfolios combined with an asymmetric rebalancing approach.

Thomas Rankin is a financial advisor with Ameritas Advisory Services, LLC in Phoenix, AZ, holding Series 63 and Series 65 licenses and possessing 40 years of industry experience. He has worked with Ameritas Advisory Services since 2021 and has longstanding roles with Arizona Advisors, Ameritas Life Insurance Company, and Ameritas Investment Corp. He is also the owner and managing member of Time2Buy, LLC, a holding company involved in the purchase and sale of horological and other resale items. Ameritas Advisory Services, LLC provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth investors, retirement plans, charitable organizations, and businesses. The firm offers a range of services such as asset management, financial planning, and retirement plan advisory across discretionary and non-discretionary programs, utilizing model portfolios, mutual funds, ETFs, and individual securities.

Haris Aziz is a CFP® professional with four years of experience, currently serving at Schwab Wealth Advisory in Phoenix, AZ. His prior work includes roles at Charles Schwab & Co., Inc., Science Care, O'Reilly's Auto Parts, and Sanders Exchange LLC. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients. The firm’s recommendations are based on proprietary asset-allocation models and internal research, focusing on tailored advice without exercising discretionary trading authority.

Corinne York is a financial advisor with Schwab Wealth Advisory Inc. in Phoenix, Arizona. She holds Series 63 and Series 66 licenses and has 26 years of industry experience. York has been with Schwab Wealth Advisory since 2012 and has worked with Charles Schwab since 1999. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is guided by Charles Schwab’s asset-allocation models and internal research, with reviews tailored to client goals and risk tolerance.

Tyler Kunzler is a financial advisor at Schwab Wealth Advisory with eight years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at J.P. Morgan Securities and Wells Fargo Clearing. Schwab Wealth Advisory 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, focusing on asset allocation and investment selection based on proprietary research and tailored to individual goals and risk tolerance.

Christian De Veer is a financial advisor with Transamerica Retirement Advisors, LLC, holding a Series 66 credential and five years of industry experience. His prior work includes roles at Merrill and service in the United States Air Force. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through various managed advice programs, emphasizing asset allocation and retirement guidance supported by proprietary technology and model portfolios from Morningstar Investment Management.

Anthony Ruggieri is a financial advisor at AE Wealth Management, LLC with 10 years of industry experience. He holds a Series 65 designation and has worked at multiple firms, including his own entities such as Ruggieri Wealth Advisors LLC and Ruggieri Financial and Marketing Group LLC. Outside of advisory services, he is an independent insurance agent through his ownership of Ruggieri Financial and Marketing Group LLC. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base, including individuals, corporations, trusts, and ERISA plan sponsors. The firm utilizes a platform-focused approach with discretionary model portfolios and supports third-party RIAs through sub-advisory and model-licensing arrangements.

David Davodi is a financial advisor at Capital Analysts with 14 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Lincoln Investment, Pruco Securities LLC, Prudential Insurance Company of America, Perspective Financial Services LLC, JP Morgan Securities LLC, and Morgan Stanley. In addition to his advisory role, he is the owner of Cornerstone Financial Services, a marketing business. Capital Analysts serves a diverse client base including individual and high-net-worth investors, trusts, foundations, businesses, and charitable organizations. The firm provides portfolio management, custom and model portfolios, access to third-party managers, and retirement-plan advice through a nationwide network of independent advisors and in-house investment management.

William Day is a financial advisor at TIAA-CREF with 14 years of industry experience. He has held his current position since 2015. He holds the Series 66 designation and is based in Phoenix, AZ. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing retirement plan relationships. The firm offers both model-based and customized portfolio management and acts as adviser to a donor-advised fund.