April Beltran is a Certified Financial Planner™ (CFP®) with 21 years of industry experience. She has worked at Schwab Wealth Advisory Inc and Charles Schwab since 2018 and previously held positions at Wells Fargo Clearing and Wells Fargo Advisors. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem using standard asset allocation models and research tools, with clients retaining final trading decisions while SWAI conducts annual account reviews.

Robert Gentry is a financial advisor with Empower Advisory Group in Scottsdale, AZ, holding Series 66 and Series 63 designations and 21 years of industry experience. His prior work includes roles at firms such as Nationwide Investment Services Corporation, Wells Fargo, Fidelity Investments, Charles Schwab & Co., and USAA. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm integrates its advisory services with Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing.

Daniel Braun is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. His career includes roles at Dubuque Bank & Trust/HTLF and Wells Fargo Advisors prior to joining Schwab in 2021. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, delivering services such as annual financial reviews and investment recommendations based on Schwab's asset allocation models and research tools. The firm operates within the Schwab ecosystem with an emphasis on client-directed trading decisions and does not act as a discretionary portfolio manager.

Talmage De Meester is a CFP®-certified financial advisor with 11 years of industry experience, currently with Schwab Wealth Advisory in Phoenix, AZ. His prior experience includes roles at Cetera Investment Advisors, Cornerstone Financial Advisors, Glen D Smith & Associates, Raymond James Financial Services, and USAA financial planning services. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, delivering services such as financial reviews, retirement planning, and investment recommendations using Schwab’s research tools and asset allocation models. The firm operates within the Schwab ecosystem and does not directly charge clients fees, distinguishing its advisory approach from many enterprise wealth managers.

Judd Wagner is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He has been with Charles Schwab since 1997 and with Schwab Wealth Advisory since 2012. Outside of his advisory role, he manages a small portfolio of rental properties. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations using proprietary Schwab research tools and standard asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and generally does not exercise discretionary trading authority.

Ashley Parriott is a CFP® professional with 20 years of industry experience. She is currently with Schwab Wealth Advisory Inc. and Charles Schwab, having joined in 2021, and previously worked for THE Vanguard Group, Inc. for 18 years. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations using Charles Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, distinguishing it from many enterprise wealth managers.

Brandy Friend is a ChFC® and Series 66–licensed financial advisor with seven years of industry experience, currently with Kestra Advisory. Her prior work includes roles at Edward Jones and State Farm Mutual Automobile Insurance Company. She is the owner of Bfriend Development LLC, an entity intended for book sales and career coaching services. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services from plan design to fiduciary consulting and employee education. The firm serves large institutional investors, including sovereign wealth funds, and employs a range of management platforms and third-party solutions.

Steven Jung is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 credentials and 14 years of industry experience. His prior roles include positions at Schwab Private Client Investment Advisory, Inc. and Charles Schwab. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab's standard asset allocation models and research tools. The firm conducts annual account reviews and offers investment recommendations while clients retain final trading decisions.

Jennifer Stauffer is a Series 66 licensed financial advisor with 10 years of industry experience. She has worked at Merrill for eight years and was with Rockefeller Capital Management before joining Rockefeller Financial LLC, where she has been since 2023. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, institutional clients, retirement plans, foundations, and corporations. The firm offers a range of portfolio management, financial planning, and consulting services, and operates as a registered broker-dealer, providing access to securities transactions, variable insurance products, and placement and investment banking services through a Private Advisor model and a consolidated investment platform.

Christopher D'espinosa is a financial advisor with Empower Advisory Group, holding Series 63 and Series 66 credentials and 19 years of industry experience. His prior roles include positions at Bank of America, Merrill, and Fidelity Investments. Outside of his advisory work, he is an independent contractor for DoorDash and works as a sports data scout, attending sporting events and providing statistical data. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as to IRA and retail brokerage clients. The firm’s services are integrated with Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

David Sourk is a CFP® with 19 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. He previously spent ten years at The Vanguard Group, Inc. Outside of financial services, he owned and managed a small courier business that provided document delivery, mobile notary, and process services. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations while leaving final trading decisions to clients.

Samuel Goddard is a CFP® and CFA® with six years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. Prior to joining Schwab in 2025, he worked at Morgan Stanley for five years and at Voya for one year. Outside of finance, he has experience working in the hospitality industry at Wally's American Pub N Grill and has been involved with Colorado College and its fitness center. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews and tailored investment recommendations. The firm uses Schwab’s asset allocation models and research tools, with advisors recommending allocations while clients retain final trading decisions.

Steven Schlegel is a financial advisor at First Command Advisory Services with 34 years of industry experience. He holds Series 63 and Series 65 licenses. His prior work history includes roles at Sagepoint Financial, Commonwealth Financial Network, Krueger Financial Services, and Hornor, Townsend & Kent. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a long-standing focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs that utilize model portfolios managed by a centralized Investment Management Team and Wealth Portfolio Managers.

Bridget Orr is a financial advisor with Primerica Advisors in Gilbert, AZ, holding a Series 66 designation and six years of industry experience. Her work history includes roles at Guardian Life Insurance Company, Park Avenue Securities, and UBS Financial Services. Outside of her advisory work, she is involved with MIS1ON LLC, a business unrelated to securities. Park Avenue Securities LLC serves a diverse retail client base with brokerage and advisory services, offering proprietary and third-party investment programs alongside financial and business consulting. The firm manages approximately $15 billion in assets and supports a range of investment strategies across discretionary and non-discretionary accounts.

Isaac Boll is a CFP®-certified financial advisor with seven years of industry experience. He is currently affiliated with CWM, LLC and Garmone Financial, LLC, and previously worked at firms including The Vanguard Group and Northwestern Mutual. Outside of advisory work, he provides tutoring for finance and professional exam preparation and owns an expense management business. CWM, LLC is an SEC-registered investment adviser serving individuals, families, institutions, and corporations through a network of over 600 advisors. The firm offers portfolio management, financial planning, sub-advisory, and retirement plan services, employing discretionary model portfolios overseen by an Investment Committee and utilizing a combination of fundamental and technical analysis.

Janice Adams is a financial advisor with Principal Financial Services in Gilbert, AZ, holding Series 65 and Series 63 licenses and bringing seven years of industry experience. Her work history includes roles with Principal Securities Inc, Principal Life Insurance Company, OneAmerica Securities, and other firms. Outside of her advisory work, she administers a radiology consulting business through JS ADAMS LLC. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, offering financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed accounts. The firm utilizes promoter and referral arrangements to support its Financial Advisors and client services.

Julia Cummings is a financial advisor with Beacon Pointe Advisors, LLC in Phoenix, AZ. She holds Series 63 and Series 65 credentials and has 11 years of industry experience. Her work history includes roles at Beacon Pointe Insurance Services, LLC, Beacon Pointe Wealth Advisors, LLC, and AdvicePeriod, LLC. Beacon Pointe Advisors, LLC provides wealth advisory, financial planning, retirement-plan services, and outsourced chief investment officer solutions to individual investors, corporations, and institutional clients. The firm employs a combination of asset-allocation modeling and third-party independent managers, using both active and passive strategies across public and private asset classes.

John Nanni is a CFP®-certified financial advisor with 28 years of industry experience, currently affiliated with J.W. Cole Advisors, Inc. since 2010. He has also been involved in motivational speaking through Rippleinc.com since 2003 and works as a life and health insurance broker. Additionally, he serves as a substitute teacher in the public school system and owns a home remodeling company. J.W. Cole Advisors operates a large network of independent advisors providing fee-based portfolio management, financial planning, retirement plan services, and access to multiple investment platforms for individuals, high-net-worth clients, and institutions. The firm offers both discretionary and non-discretionary account management using a mix of fundamental and technical analysis as well as model and manager-based strategies.

Michael Rautiola is a CFP® professional with 25 years of experience in financial advising. He is currently affiliated with CWM, LLC and has held roles at firms including RLW Financial Advisors, Cetera Wealth Services, and RFC Financial Planners. He is co-founder of a fixed insurance business, providing life, health, disability, annuities, and long-term care solutions to clients. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients primarily through a network of more than 600 advisors. The firm offers portfolio management, financial planning, sub-advisory, and retirement plan services, generally managing accounts on a discretionary basis using model portfolios developed by an in-house Investment Committee.

Thomas O'Brien is a financial advisor with TLG Advisors, Inc. based in Scottsdale, AZ. He holds Series 63 and Series 65 designations and has 25 years of industry experience. His prior roles include positions at Kestra Investment Services, WealthPoint LLC, OneAmerica Securities, and Polaris Insurance Advisors LLC, where he is involved in business development and operations management. TLG Advisors, Inc. serves a diverse client base including individuals, high-net-worth clients, trusts, charitable organizations, corporations, and institutional investors. The firm provides investment supervisory services, portfolio management, and comprehensive financial planning, employing a manager selection process grounded in fundamental analysis and Modern Portfolio Theory.