James Perry is a CFP® with nine years of industry experience, currently serving at Charles Schwab and Charles Schwab Bank since 2016 and 2018, respectively. He is based in Phoenix, AZ, and holds Series 66 and Series 63 licenses. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment options supported by multi-asset model portfolios and centralized operational infrastructure.

Tramell Williams is a financial advisor with Raymond James & Associates in Phoenix, AZ, holding Series 66 and Series 63 licenses and bringing 18 years of industry experience. His career includes roles at Pershing Advisor Solutions LLC and various divisions within Raymond James since 2018. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Bruce Keller is a financial advisor with OSAIC based in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He previously worked for Sagepoint Financial, Inc. for 14 years before joining OSAIC in 2023. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides a range of advisory services through a large network of affiliated advisers, utilizing asset-allocation tools, risk assessments, and automated rebalancing across various investment vehicles.

Piankhi Sykes is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. Prior to his current role, he was involved with Private Client Travel L.L.C. for five years. He is based in Goodyear, AZ. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to recommend approved fund strategies.

Josh Williams is a financial advisor with RBC Capital Markets in Phoenix, AZ, holding Series 63 and Series 65 designations and five years of industry experience. His prior work includes roles at City National Bank, Indeed, and AXIO Financial. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services, utilizing both in-house and third-party investment managers.

Andrew Hickman is a financial advisor at LPL Enterprise with seven years of industry experience. He holds the Series 66 designation and previously worked at Ameriprise Financial Services in various roles from 2018 to 2026. LPL Enterprise provides investment advisory and brokerage services to individuals, high-net-worth investors, retirement plans, banks, and charitable entities through a network of investment adviser representatives. The firm typically uses model-driven investment implementation and offers access to third-party asset managers and financial planning services.

Chaundra Cabrera is a financial advisor at Fidelity with 11 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Charles Schwab and Griffin Capital Securities. Outside of her advisory role, she serves as an officer for a homeowners association in Phoenix, Arizona. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, employing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary services and is notable for its use of advanced technologies and its role as an advisor to multiple registered investment companies.

Lieng Ouk is a financial advisor at Cambridge Investment Research Advisors with eight years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Morgan Stanley, Charles Schwab & Co., Inc., and Wells Fargo Wealth Management. Cambridge Investment Research Advisors is a large SEC-registered firm serving a broad mix of clients, including individuals, pension plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory services delivered through a network of independent Financial Professionals using a range of portfolio management and platform solutions.

Daniel Porter is a financial advisor at Charles Schwab with nine years of industry experience. He holds the Series 66 and Series 63 designations and has been with Charles Schwab since 2016 in Phoenix, AZ. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by due diligence from its financial research center.

Michele Riordan is a financial advisor with LPL Financial in Phoenix, AZ. She holds Series 63 and Series 65 licenses and has 30 years of industry experience. Prior to joining LPL Financial in 2003, she worked at Scarborough Capital Management, Inc. from 1998 to 2003. She operates a DBA, Riordan Investment Management, based in Scottsdale, AZ. 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, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Michael Pace is a financial advisor at Wells Fargo Clearing in Phoenix, AZ, holding Series 63 and Series 65 licenses with 24 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary solutions. The firm’s advisory approach is IPS-driven and based on modern portfolio theory, incorporating a broader range of financial products, including insurance-related vehicles and bank deposit sweep options.

Jonah Puschinsky is a financial advisor at Cetera with two years of industry experience. He holds the Series 66 designation and has worked with several firms, including JR Capital and Renaissance Financial. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, overseeing more than $256 billion in assets.

Jareese Williams is a financial advisor with Thrivent Investment Management in Glendale, AZ, holding a Series 66 credential and having two years of industry experience. Prior to joining Thrivent in 2025, Williams worked at Ameriprise from 2023 to 2025. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based financial analyses and written recommendations across various planning areas. The firm integrates planning with managed-account programs under the “WealthPlan” option while maintaining separate planning and portfolio management services.

Rebecca Gandolfi is a financial advisor at Cetera with one year of industry experience. She holds a Series 66 designation and has worked with Cetera and its associated networks since 2023. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of investment management and financial planning services through a multi-manager platform with over 10,000 advisors and approximately $256 billion in assets under management.

Kari Pepelnjak is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 credentials and bringing 29 years of industry experience. She has been with Charles Schwab since 2016. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, offering investment guidance through multi-asset model portfolios and a formal alternative-investment program.

Supranee Lucas is a financial advisor with Charles Schwab in Phoenix, AZ, holding CFP®, Series 63, and Series 66 credentials and bringing 26 years of industry experience. She has worked with various Schwab-affiliated entities since 2007, including Schwab Wealth Advisory, Inc. and Schwab Private Client Investment Advisory Inc. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by research and due diligence on alternative investments.

Dana Unverferth is a financial advisor with Morgan Stanley in Phoenix, AZ, holding Series 66 and Series 63 licenses and having five years of industry experience. Her background includes roles at Morgan Stanley Smith Barney, Oppenheimer, Strategic Tax Planning, and State Farm. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Sarah Spiller is a financial advisor at Charles Schwab with 11 years of industry experience. She holds the CFP® and ChFC® designations, as well as Series 63 and Series 66 licenses. Sarah has worked at various Schwab entities since 2014, including Schwab Wealth Advisory, Inc. and Schwab Private Client Investment Advisory, Inc. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management, leveraging multi-asset model portfolios and a centralized operational structure.

Jason Hearn is a financial advisor with Raymond James & Associates in Phoenix, AZ, holding a Series 66 designation and 14 years of industry experience. He previously worked at Edward D Jones & Co for 10 years before joining Raymond James in 2022. Raymond James & Associates, Inc. is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Andres Franco is a CFP® with 19 years of industry experience, currently advising at Charles Schwab in Phoenix, AZ. His career includes roles at The Vanguard Group and Schwab Private Client Investment Advisory. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through a combination of non-discretionary and discretionary advisory services, employing multi-asset model portfolios and offering integrated brokerage, custody, and advisory solutions.