Howard Gershkowitz is a financial advisor at Cetera with over 41 years of industry experience. He holds Series 63 and Series 66 licenses and has held positions at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities Inc. Additionally, he is a published author and poet. Gershkowitz is also a co-founder of Allwealth Planning, a financial planning firm. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and access to third-party managers through a multi-manager platform with various program structures and supervisory frameworks.

Lloyd Church is a financial advisor with LPL Financial based in Phoenix, AZ, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has previously worked at Raymond James Financial Services and Ameriprise. Outside of his advisory role, he is involved with LTC Enterprise, a business entity for tax and investment purposes. 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 range of financial planning and portfolio management solutions, utilizing both proprietary research and third-party strategies, supported by advanced operational and research tools.

Manjul Chugh is a financial advisor with J.P. Morgan Securities in Glendale, AZ, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and has been with JPMorgan Chase Bank, N.A. since 2004. Outside of his advisory role, he is a co-owner of a rental property. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with additional brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Catherine Ivy is a financial advisor at OSAIC with 32 years of industry experience. She holds the Series 63 and Series 65 designations and has worked at firms including Sagepoint Financial, LPL Financial Corporation, Ivy Financial Planning & Associates, and Associated Securities Corp. Ivy serves as president of the Ben & Catherine Ivy Foundation, a nonprofit focused on brain cancer research. OSAIC serves a diverse client base including individual investors, institutions, pension plans, and charitable organizations through a large network of advisors. The firm offers integrated brokerage and advisory services with a range of investment options and employs firm-provided asset allocation tools, risk assessments, and automated rebalancing.

Kelly Lavine is a financial advisor at Stifel with 37 years of industry experience. He has been with Stifel since 2007 and holds Series 63 and Series 65 designations. Outside of his advisory work, he is a part owner and governor of Lavine Holdings LLC. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

Andrew Fausett is a Planning Consultant at Fidelity Investments. In this role, he meets with clients regularly to understand their individual needs and concerns, collaborating with them to identify strategies tailored to their unique financial circumstances. Andrew has been with Fidelity Investments since 2023, progressing through roles as a Financial Representative and Relationship Manager before becoming a Planning Consultant. His experience at Fidelity has provided him with a comprehensive understanding of financial planning and client relationship management.

Christopher Kitaeff is a financial advisor with LPL Financial based in Phoenix, AZ. He holds Series 63 and Series 66 licenses and has 18 years of industry experience, including prior roles at Bank of America and Merrill. He is also involved with La Mans Wealth Management LLC, a business entity used for tax and investment purposes. 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 a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive technology and a large network of over 22,800 advisors.

Andrew Laue is a financial advisor with Primerica Advisors in Phoenix, AZ, holding Series 63 and Series 65 licenses and 11 years of industry experience. His work history includes positions in education with Peoria Unified School District, Maricopa County Community College District, and Joy Christian School. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, with approximately $15.5 billion in assets under management. The firm utilizes model-driven investment strategies supported by third-party asset managers and offers a range of discretionary account options.

Michael Wehner is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and 14 years of industry experience. He has previously worked at Woodbury Financial Services, Princor Financial Services Corp, and Principal Life Insurance Company. He is the owner of TRU Financial LLC, through which he operates his financial services business, and serves on the finance committee of St. Clare of Assisi Catholic Church. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and advisory services, utilizing firm-provided asset-allocation tools and third-party platforms to manage portfolios across various asset classes.

Charles Kessler III is a financial advisor with Edward Jones in Glendale, AZ, holding Series 63 and Series 66 designations and 24 years of industry experience. He has been with Edward Jones since 2002. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of more than 23,000 financial advisors.

Laura Carolina is a financial advisor with Ameriprise in Glendale, AZ, holding a Series 66 designation and two years of industry experience. Her prior roles include positions at Bankers Life Advisory Services, Valic Financial Advisors, and Spring Venture Group. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income and tax-aware withdrawal strategies.

David Benson is a financial advisor with OSAIC based in Phoenix, AZ. He holds the ChFC® designation along with Series 63 and Series 66 licenses and has 26 years of industry experience. His prior roles include positions at Securian Financial Services, Minnesota Life, Financial Design Group, and SagePoint Financial. Outside of advising, he owns and operates Benson’s Burners, a sole proprietorship focused on growing, processing, bottling, and selling hot sauce products. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services supported by advanced asset-allocation tools and offers access to multiple investment platforms and third-party money managers.

James Phillips is a financial advisor at Morgan Stanley with 46 years of industry experience. He holds the Series 63 and Series 65 designations. Prior to his current role, he has worked at Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. He is involved in lending activities outside of his advisory role. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and provides services through financial advisors and estate planning professionals.

David Fellows is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 33 years of industry experience. He has been with LPL Financial since 2008 and also operates Fellows Tax & Financial Service, which provides tax preparation, accounting, and non-variable insurance services. 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 and access to third-party asset management, supported by a large network of investment adviser representatives.

Gerald Webster is a financial advisor with Cetera in Phoenix, AZ, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. His career includes long tenure at First Allied Securities and Advisory Services before joining Cetera in 2022. Outside of his advisory work, he is involved with Mind Power Capital Corp and serves as trustee of the Webster Revocable Trust. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, supporting both discretionary and non-discretionary accounts with over $256 billion in assets under management.

Cody Whiren is a Planning Consultant at Fidelity Investments, where he works directly with in-book clients to guide them through key decisions that contribute to a confident retirement. His role involves reviewing comprehensive retirement analyses, building tax-efficient investment strategies, and designing sustainable income plans tailored to each client's goals. He collaborates closely with financial advisors to develop and implement holistic financial plans that support long-term financial well-being. Before his current position, Cody served as a Relationship Manager at Fidelity Investments from 2025 to 2026, and as a Financial Representative from 2024 to 2025. This progression reflects his growing experience in client relationship management and financial planning within the firm. Outside of his professional work, Cody's personal interests include camping, comedy, football, and hiking.

Rachel Piloian is a financial advisor with Thrivent Investment Management in Phoenix, AZ. She holds a Series 66 designation and has been with Thrivent and its affiliates since 2018, with a break from work between 2014 and 2018. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based financial analyses and written recommendations on various planning topics without discretionary portfolio management.

Joshua Delnoce is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and 19 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2011. Delnoce holds a 50% ownership interest in EIKOS Capital Management, LLC, a separate investment-related business based in Phoenix, AZ. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services and integrates advisory offerings with other financial products and referral channels.

Barry Fishco is a financial advisor with Ameriprise in Phoenix, AZ, holding Series 63 and Series 65 credentials. He began his advisory career with Ameriprise in 2026. Prior to this, Fishco held various roles including operating a modern American smokehouse and working at several service and retail companies. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides tailored recommendations and ongoing advice focused on reliable income sources and tax-aware withdrawal strategies.

William Wheeler is a financial advisor at LPL Financial with 40 years of industry experience. He has been with LPL Financial since 1993. Outside of advising, he has worked as a computer programmer consultant and has provided tax preparation, bookkeeping, and fixed life insurance services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individual investors, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.