David Finger is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and one year of industry experience. Prior to joining Schwab Wealth Advisory, he worked at Charles Schwab & Co., Inc., Right Start Mortgage, Inc., and Carrington Mortgage Services, LLC. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement and planning discussions, and investment recommendations across a broad range of securities. The firm operates within the Schwab ecosystem, using standard asset allocation models and research tools, and does not exercise discretionary trading authority.

Alison Grefsheim is a financial advisor at Centaurus Financial, Inc. in Scottsdale, AZ, with five years of industry experience. She holds the Series 66 designation and has prior work experience at Equitable Advisors, LLC, and Zenreach. Alison serves as a treasurer on the Osborn Village Condominium Association board and is a notary. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, and institutions. The firm offers financial planning, portfolio management through its CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services.

Larry Singleton is a financial advisor at Kestra Advisory with a Series 66 designation and three years of industry experience. His prior work includes roles at Morgan Stanley, Bank of America, Merrill, and service in the U.S. Navy. Kestra Advisory provides investment advisory and retirement-plan consulting services to a broad mix of institutional and individual clients, including plan sponsors. The firm offers services such as fiduciary consulting, plan design, employee education, and advisor-managed accounts, serving clients ranging from individual investors to large institutional entities like sovereign wealth funds.

Thomas Lawless is a CFP® with 37 years of industry experience, currently serving as a financial advisor at Commonwealth Financial Network and Ke Wealth Advisors since 2019. Prior to that, he worked at Ameriprise Financial Services, Inc. for 14 years. He is also a part owner of Ke Wealth Advisors. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients with advisory programs, wealth management, and retirement plan consulting. The firm provides operations, trading, technology, investment management, compliance, and practice-management support, enabling advisors to construct portfolios from a wide range of securities and insurance products.

Heather Adams is a financial advisor with First Citizens Investor Services, Inc. in Phoenix, AZ, holding Series 63 and Series 65 licenses and nine years of industry experience. Her career includes roles at Wells Fargo Clearing and Wells Fargo Advisors, as well as prior experience at Target Corporation. First Citizens Investor Services, Inc. serves a diverse client base including individuals, pension plans, charitable organizations, and businesses, offering advisory and brokerage services through its IARs and third-party portfolio managers. The firm employs a client-centered process combining financial need assessments with various analytical approaches to portfolio allocation across multiple asset classes.

David Nieto is a CFP® professional with 11 years of industry experience, currently advising clients at Schwab Wealth Advisory in Phoenix, AZ. He has been with Schwab Wealth Advisory since 2017 and affiliated with Charles Schwab since 2014. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools. The firm focuses on wealth management education and investment recommendations, leaving final trading decisions to clients, with periodic account reviews rather than discretionary management.

Jennifer Foster is a financial advisor at Commonwealth Financial Network with 15 years of industry experience. She holds a Series 66 designation and has worked at BlackRock since 2013. Foster is also the owner of Saving Cents, Inc., a private entity established to facilitate securities, advisory, and insurance business. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing a range of advisory programs and services. The firm offers operations, trading, technology, investment management, compliance, and practice-management support to affiliated advisors who deliver advice under Commonwealth’s supervision.

Joseph Sonkowsky is a financial advisor with Empower Advisory Group, holding a Series 66 designation and four years of industry experience. His prior work experience includes roles at The Vanguard Group, Voya Financial, Liberty Mutual Insurance, and 4imprint. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services that include point-in-time financial plans and optional managed account solutions aligned with Empower’s recordkeeping and administrative platforms.

Brian Hughes is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ. He holds a Series 66 designation and has eight years of industry experience. His prior work includes roles at Charles Schwab & Co., Bank of America, and Merrill Lynch. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations across a variety of asset classes. The firm operates within the Schwab ecosystem and emphasizes client-directed decision-making supported by Schwab’s research tools and standard asset allocation models.

Benjamin Shannon 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 since 2025 and Charles Schwab since 2017. Prior to his financial services career, he spent one year at Tyler Allen Law Firm and attended Arizona State University for four years. 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 across a range of securities. The firm uses Schwab’s asset allocation models and research tools, with advisors recommending investments while clients retain final trading decisions.

Tyson Sterling is a financial advisor with United Planners Financial Services of America, holding Series 65 and Series 66 credentials and 24 years of industry experience. He has been with United Planners since 2010 and also operates as an independent insurance agent specializing in non-variable insurance. Sterling served with the Arizona Interscholastic Association for 14 years and is involved with Jaimee Rose Style LLC, a defined benefit pension plan employer. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, and institutional clients. The firm offers financial planning, portfolio management, retirement plan services, and brokerage solutions through an open-architecture platform utilizing multiple custodians and third-party money managers.

Eddie James is a financial advisor at Brookstone Capital Management LLC with six years of industry experience. He holds the Series 66 designation and has worked at several firms including Raymond James and Spring Venture Group. In addition to his advisory role, he is involved in insurance sales. Brookstone Capital Management is an SEC-registered adviser that provides fee-based asset management and financial planning through a turnkey asset management platform and wrap-fee program. The firm serves a broad client base including individuals, retirement plans, corporations, charitable organizations, other registered investment advisers, sovereign wealth funds, and banking or thrift institutions.

Cole Bialek is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and three years of industry experience. He has worked at Schwab Wealth Advisory Inc. since 2025 and has prior experience at Charles Schwab and The Porch. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools to support investment recommendations, with final trading decisions made by clients. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

Stephanie Odell is a financial advisor at Janney Montgomery Scott with 15 years of industry experience. She holds the Series 63 and Series 66 designations and has worked previously at Wells Fargo Clearing Services LLC and PNC Investments LLC. In addition to her advisory work, Odell owns Stephanie Odell Studio in Fountain Hills, AZ, where she creates and sells stained glass, fabric, and paper art. Janney Montgomery Scott LLC is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves individuals, families, trusts, corporate clients, and more, offering brokerage services, financial planning, and advisory programs supported by both in-house and third-party portfolio management.

Jeffrey Withrow is a CFA® charterholder with 16 years of experience in the financial industry. He is currently affiliated with RBC Rochdale, LLC and has worked at CNR Securities, LLC since 2012. Outside of his advisory role, he co-manages a short-term rental property through JW2 Capital, LLC with his wife. RBC Rochdale serves a diverse client base including high net worth individuals, corporations, and charitable organizations, providing discretionary and non-discretionary portfolio management among other services. The firm employs an active, multi-strategy investment approach that integrates quantitative modeling and fundamental analysis supported by proprietary tools.

Joshua Lawson is a financial advisor at Focus Partners Wealth, LLC with 13 years of industry experience. He holds the Series 66 designation and has worked at firms including Churchill Management Group, Charles Schwab, and TD Ameritrade. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, high-net-worth families, family offices, retirement plans, institutions, and businesses. The firm employs a long-term investment approach that emphasizes tax- and fee-sensitivity within an enhanced open architecture framework combining various strategies and managers.

Kerry Tanner is a CFP® with 44 years of industry experience, currently affiliated with Independent Financial Group, LLC since 2005. He also provides life, health, and long-term care insurance services and offers tax preparation and bookkeeping as an independent contractor. Additionally, he serves as a volunteer member on a homeowners association board. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm manages approximately $11.3 billion in assets and offers advisory programs through its AccessPoint platform and third-party asset managers, with both discretionary and non-discretionary account management options.

Luke Watson is a CFP® professional with 11 years of industry experience, currently advising at Schwab Wealth Advisory in Phoenix, AZ. His prior experience includes roles at Morgan Stanley, Merrill Edge, and Entrewealth, LLC. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, using Charles Schwab’s asset allocation models and research tools. The firm conducts at least annual account reviews and focuses on client-directed investment decisions without exercising discretionary trading authority.

William Steward is a financial advisor with Independent Financial Group, LLC in Scottsdale, AZ, holding Series 63 and Series 66 licenses and 22 years of industry experience. His prior work includes roles at Massachusetts Mutual Life Insurance Company and Ameriprise Financial Services. He is also associated with Patel Wealth Management, LLC, a DBA offering insurance, brokerage, and advisory services. Independent Financial Group is a large advisory and brokerage firm serving individuals, trusts, corporations, and plan sponsors with investment advisory programs, financial planning, and retirement plan services. The firm provides both discretionary and non-discretionary strategies through a range of investment platforms and combines in-house model portfolios with third-party manager models.

Brandon Capps is a financial advisor at Guardian Life with over 21 years of industry experience. He holds Series 63 and Series 66 licenses and has been associated with Park Avenue Securities and Guardian Life Insurance for the past 10 years. Outside of his advisory role, he is involved with the Kansas Pharmacist Association, assisting with member recruitment and promoting association benefits. Park Avenue Securities, doing business as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser serving individuals, plans, charitable organizations, and corporate clients. The firm provides a range of brokerage and advisory services, including proprietary and third-party investment programs and tailored financial planning solutions.