Jay Chang is a financial advisor at Farther with 12 years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Farther in 2025, he worked at Charles Schwab for eight years in various advisory roles. Farther provides discretionary investment management and related advisory services primarily to individual investors, trusts, and estates through a web and mobile platform as well as in-person meetings. The firm’s investment approach is based on Modern Portfolio Theory and uses proprietary model portfolios with algorithmic rebalancing, combining various asset classes and AI tools subject to internal review.

Bryan Chubinsky is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and possessing 12 years of industry experience. He has been with Schwab Wealth Advisory since 2015 and Charles Schwab since 2013. He also serves in the US Army Reserves, a role he has held since 1995. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews, investment recommendations across various asset classes, and wealth management education. The firm operates within the Schwab ecosystem and recommends investments using Schwab’s research tools while leaving final trading decisions to clients.

Kevin De Stefanis is a financial advisor with Empower Advisory Group, holding the ChFC® designation and Series 66 license. He has 15 years of industry experience, having previously worked at Edward Jones, MassMutual, and GWFS Equities. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and retail brokerage account holders. The firm’s services integrate with Empower’s recordkeeping and administrative platforms and emphasize long-term portfolio returns, annual rebalancing, and clients’ savings rates.

William Jorden is a CFP® and Series 66-registered financial advisor with Schwab Wealth Advisory in Phoenix, AZ, bringing 18 years of industry experience. He has worked at Schwab Wealth Advisory and Charles Schwab since 2017 and spent one year at Oppenheimer prior to that. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses standard asset allocation models and Schwab research tools to recommend investments, while clients retain final trading decisions and SWAI conducts annual account reviews.

Kaden Creager is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 65 and Series 63 licenses and three years of industry experience. His prior roles include work at Penn Mutual Life Insurance Company and the Department of Interior AZ Strip District. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a comprehensive advisory platform that includes financial planning, advisory programs, and retirement plan consulting. The firm combines SEC-registered advisory services with broker-dealer capabilities and manages billions in assets while working with third-party asset managers to provide tailored investment solutions.

Patrick Nugent is a financial advisor at Schwab Wealth Advisory with 27 years of industry experience. He holds Series 65 and Series 66 licenses and has worked at Schwab Wealth Advisory and Charles Schwab since 2019, following previous roles at USAA Investment Management Company and USAA Financial Planning Services. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning discussions, and investment recommendations across various asset classes. The firm’s advice is based on Charles Schwab & Co.’s asset allocation models and research tools, with clients making final trading decisions.

Christopher Cornwall is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has worked with Charles Schwab since 1997 and has been with Schwab Wealth Advisory since 2012. Outside of his advisory role, Cornwall owns Cornwall Enterprises LLC, a company leasing vehicles to drivers, which he manages with limited monthly hours. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations utilizing Schwab’s research tools and asset allocation models without exercising discretionary trading authority.

Dominick Chavez is a financial advisor with Schwab Wealth Advisory, holding Series 66 and Series 63 licenses and bringing nine years of industry experience. He has been with Schwab Wealth Advisory since 2020 and has worked with Charles Schwab & Co., Inc. since 2016. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations across a range of assets. The firm operates within the Schwab ecosystem, delivering advice through standard asset allocation models and research tools while leaving final trading decisions to clients.

Haziq Basharat is a CFA® charterholder and holds a Series 66 license with seven years of industry experience. He currently works at Schwab Wealth Advisory and previously spent nine years at Edward Jones Trust Company. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in its Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning discussions, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem, delivering advice through standardized asset allocation models and research tools, without exercising discretionary trading authority.

James Collier is a CFP® with 23 years of industry experience, currently serving at Empower Advisory Group since 2026. His prior roles include positions at Schwab Private Client Investment Advisory, Inc. and Charles Schwab, where he worked for a combined 14 years. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and their participants, delivering integrated solutions tied to Empower’s administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.

Keith Tigue is a financial advisor at Mariner Wealth Advisors with 22 years of industry experience. He holds the Series 65 designation and previously worked at Robinson, Tigue, Sponcil and Associates, LLC for 18 years before joining Mariner in 2021. He is also a licensed insurance agent. Mariner serves a diverse client base including individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and private funds. The firm offers customized investment management, financial planning, retirement plan consulting, and integrated tax and accounting services, supported by an internal investment committee and external managers.

Nathan Straw is a financial advisor with Hightower Advisors in Phoenix, AZ, holding a Series 66 designation and 10 years of industry experience. Prior to joining Hightower in 2021, he worked at Morgan Stanley and Morgan Stanley Private Bank from 2015 to 2021. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients, offering discretionary and non-discretionary portfolio management, financial planning, retirement plan consulting, and access to pooled vehicles and private funds. The firm’s advisory approach emphasizes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers supported by proprietary research and customized portfolio construction.

Douglas Gasser is a CFA® charterholder with 10 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory since 2021. He previously worked at Merrill from 2016 to 2021. Outside of advisory work, he is involved in a small business performing general handyman and remodeling duties in Phoenix, AZ. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, delivering investment recommendations and financial planning using Schwab’s research tools and asset allocation models while leaving trading decisions to clients.

Nikola Stojanovic is a CFP® and CFA® credentialed advisor with 11 years of industry experience, currently serving at Schwab Wealth Advisory since 2017. He has been associated with Charles Schwab since 2014. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Schwab’s research tools and standard asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

Timothy Anthony is a CFP® with eight years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior career includes positions at Morgan Stanley Private Bank, Morgan Stanley, Bank of America, Merrill, and Charles Schwab & Co. Outside of finance, he has worked with Olney Winery and Grand Canyon University. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm recommends investments using Schwab’s research tools and standard asset allocation models, conducting annual account reviews without discretionary trading authority.

Jason Rucker is a CFP® professional with 29 years of experience in the financial services industry. He is affiliated with Hornor, Townsend & Kent, LLC and Penn Mutual Life Insurance Company, where he has worked since 2000. Outside of his advisory role, he serves as a bishop for a local congregation of The Church of Jesus Christ of Latter-day Saints, overseeing various spiritual, physical, and financial needs. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisers. The firm offers advisory programs, financial planning, and retirement plan consulting, with a dual registration as both an SEC-registered adviser and FINRA-member broker-dealer, supporting a broad range of investment and brokerage services.

Robert Cain is a financial advisor with Independent Financial Group, LLC, holding Series 63, 65, and 66 licenses and having 32 years of industry experience. He previously worked at Arque Capital Ltd for 15 years before joining his current firm in 2023. Cain serves as president of the Northridge Village Homeowners Association in his community. Independent Financial Group is a large integrated advisory and brokerage firm serving individuals, trusts, corporations, business owners, and plan sponsors. The firm offers investment advisory programs, financial planning, and retirement services, utilizing both in-house and third-party investment models and operating as both a registered investment adviser and an active broker-dealer.

Randy Azuogu is a CFA charterholder with over 10 years of industry experience. He has worked at Charles Schwab since 2015 and has been with Schwab Wealth Advisory since 2017. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers annual financial reviews and investment recommendations using Schwab’s research tools and standard asset allocation models, with final trading decisions made by clients.

Matthew Nevins is a financial advisor at Mariner with eight years of industry experience. He holds a Series 66 designation and has worked at Mariner Wealth Advisors since 2023. His prior firms include PFG Advisors, SECURITIES AMERICA, inc., and First Financial Equity Corporation. Mariner serves a diverse client base including individuals, high-net-worth households, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and private funds. The firm offers investment management, financial planning, retirement plan consulting, and coordinated tax services, implementing discretionary, customized portfolios supported by internal research and third-party managers.

Ashley Monteverde is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. She has been with Charles Schwab since 2013 and has worked at Schwab Wealth Advisory since 2020. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement and planning discussions, and investment recommendations utilizing Schwab’s research tools and asset allocation models. The firm operates within the Schwab ecosystem and does not directly charge clients fees, distinguishing its approach from many other enterprise wealth managers.