Lauren Chapman is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ. She holds a Series 66 designation and has been with Schwab since 2026. Lauren's background includes roles at the American Institute for Economic Research and DoorDash, Inc., as well as full-time education and various other positions prior to joining Schwab. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance emphasizes asset allocation and investment selection based on internal research and standard asset-allocation models.

Connor Messman is a CFP®-certified financial advisor with seven years of industry experience, currently with Schwab Wealth Advisory, Inc. He previously worked at Wells Fargo Advisors Financial Network, Morgan Stanley, and The Vanguard Group. Messman holds Series 63 and Series 66 licenses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm emphasizes asset allocation and investment selection guided by internal research and standard models, executing trades only with client authorization.

Theresa Clemmons is a financial advisor with Benjamin F. Edwards & Company, Inc., holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. She has been with Benjamin F. Edwards since 2017 and worked previously at Wells Fargo Clearing for one year. Outside of her advisory role, she is involved with 1ST PHORM, a supplement company, where she serves as a representative. Benjamin F. Edwards & Company is an integrated broker-dealer and SEC-registered investment adviser that serves individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate clients through a network of over 500 advisors. The firm provides a range of services including advisory programs, financial planning, investment management, brokerage, insurance products, and M&A advisory, employing both proprietary strategies and third-party models.

Charles Martin is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and one year of industry experience. Prior to joining Schwab Wealth Advisory, he worked at Focus Capital Partners Private Wealth and has held various roles outside of finance. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on standard asset-allocation models and internal research, with recommendations tailored to clients’ goals and risk tolerance.

Daniel Elick is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and four years of industry experience. His prior roles include positions at Charles Schwab & Co., Inc. and the State of Indiana Department of Financial Institutions. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients in the Schwab Wealth Advisory program and certain referred clients. The firm’s advice is based on standard asset allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

Enrique Sanchez Arvizu is a financial advisor with Empower Advisory Group, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at J.P. Morgan Securities, Merrill Lynch, Bank of America, and AXA Advisors. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as retail brokerage clients. The firm’s services integrate with Empower’s recordkeeping and administrative platforms and focus on long-term portfolio returns, annual rebalancing, and clients’ savings rates.

Joan Stoddard is a CFP®-certified financial advisor with 13 years of industry experience, currently with Empower Advisory Group in Tempe, AZ. Her prior experience includes roles at Advised Assets Group, GWFS Equities, Northstar, Bank of the West, Northwestern Mutual, and Learnvest Inc. In addition to her advisory work, she owned Treasure Trove Toffee for ten years. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as select IRA and retail brokerage clients. The firm delivers integrated services through Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and participant savings rates in its planning approach.

Kevin Burke is a CFP® with 23 years of industry experience, currently serving with Key Investment Services LLC since 2018. His prior positions include roles at Capital One Advisors, LLC, Morgan Stanley, and TIAA-CREF, among others. He holds Series 63, Series 65, and Series 66 registrations. Key Investment Services LLC is an SEC-registered investment adviser that provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional plan clients. The firm operates a multi-provider model delivering discretionary and non-discretionary solutions with integration across KeyCorp affiliates for a range of financial services.

Rick Willoughby is a financial advisor with Independent Financial Group, LLC in Phoenix, AZ. He holds Series 63 and Series 65 licenses and has 27 years of industry experience. He has been associated with Independent Financial Group since 2004 and operates Symphony Financial Services LLC as a marketing DBA for securities, advisory, and insurance services. Independent Financial Group, LLC provides investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate and pension/profit-sharing plans, and charitable organizations. The firm offers financial planning and portfolio management through various platforms and employs strategic asset allocation, multi-manager portfolios, and ongoing due diligence across active and passive investments.

Michael Kornegay is a CFP® professional with nine years of industry experience, currently serving as an advisor at Schwab Wealth Advisory, Inc. He previously held roles at Charles Schwab, Fidelity Investments, Robinhood Financial, and Bandera Healthcare. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance includes asset allocation and investment selection, relying on internal research tools and standardized models, with trades executed only upon client authorization.

Jacob Copley is a financial advisor with GWN Securities Inc. in Phoenix, AZ, holding a Series 66 designation and six years of industry experience. His prior experience includes roles at Equitable Advisors, AXA Advisors LLC, and a non-financial position with Pure Sushi. GWN Securities provides investment advisory and related services to individual and corporate clients through managed account programs, financial planning, and third‑party manager selection. The firm employs both affiliated and unaffiliated sub‑advisers and utilizes diversified investment strategies including tactical, momentum-based approaches.

Amy Hipple is a CFP® professional with eight years of industry experience, currently serving at Schwab Wealth Advisory, Inc. in Phoenix, AZ. Her prior experience includes roles at Charles Schwab & Co., Inc., TIAA, and University of Denver. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab & Co.’s asset-allocation models and internal research to tailor recommendations based on client goals and risk tolerance.

Benjamin Kieckhafer is a financial advisor with Schwab Wealth Advisory Inc. in Phoenix, AZ, holding Series 63 and Series 66 licenses and 19 years of industry experience. He has been with Charles Schwab since 2007 and has worked specifically with Schwab Wealth Advisory since 2014. Schwab Wealth Advisory, Inc. serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and research tools, with recommendations tailored to clients’ goals and risk tolerance.

Oscar Uribe Cervantes is a financial advisor at Empower Advisory Group with nine years of industry experience. He holds a Series 66 designation and has previously worked at Fidelity Investments, Bank of America, Merrill, and Thornburg Investment Management. 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 services with Empower’s recordkeeping and administrative platforms and emphasizes long-term portfolio returns, annual rebalancing, and clients’ savings rates.

Kent Thomson is a financial advisor at Mercer Global Advisors Inc. with 11 years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America, Merrill, Morgan Stanley, Fountain, and Mogel. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, and non-profits, offering investment advisory along with financial, tax, retirement, estate planning, and family office services. The firm employs a Modern Portfolio Theory-based approach with globally diversified, risk-appropriate portfolios using low-cost ETFs, index funds, separate account managers, and private funds, complemented by educational content and specialized client programs.

Douglas Famous is a financial advisor with Eagle Strategies (NY Life) based in Phoenix, AZ, holding Series 63 and Series 65 licenses with 15 years of industry experience. He has worked with Eagle Strategies since 2013 and operates his own firm, Famous Financial and Insurance Solutions, LLC, where he brokers non-registered insurance products. Eagle Strategies serves a broad range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types and emphasizes tailored recommendations, with most assets managed on a non-discretionary basis.

John Garrison is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has been with Charles Schwab since 2014 and joined Schwab Wealth Advisory in 2026. Based in Phoenix, AZ, his career has focused on serving clients through Schwab’s advisory platform. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses proprietary asset allocation models and internal research tools to offer personalized recommendations without exercising discretionary trading authority.

Geoffrey Goldberg is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 65 licenses and two years of industry experience. He has worked at Schwab Wealth Advisory and Charles Schwab & Co., Inc., and has prior experience outside the financial industry. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program. The firm uses Schwab’s proprietary asset allocation models and research tools to offer guidance tailored to client goals and risk tolerance.

Jorge Cardenas is a CFP® professional with 12 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory and has previously worked at firms including Fidelity Investments, JP Morgan Securities, and Bank of America. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm’s approach employs standard asset-allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

Chitra Madanmohan is a CFP® with 10 years of industry experience, currently serving at Schwab Wealth Advisory, Inc. She previously worked at Vanguard Advisers and The Vanguard Group, Inc. Madanmohan also acts as an agent for her spouse in investment matters. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in its program or referred by Charles Schwab & Co. The firm’s guidance is based on Schwab’s proprietary asset-allocation models and research tools, delivering tailored recommendations without exercising discretionary trading authority.