Michael Klarfeld is a financial advisor at Guardian Life with 42 years of industry experience. He holds the ChFC® designation and Series 63 license, and has been with Guardian Life since 1992. Klarfeld is also involved with Kirshner & Klarfeld Financial Group, an insurance and financial services firm focusing on life, disability, and long-term care insurance. Guardian Life, through its Park Avenue® Wealth Management subsidiary, provides brokerage and advisory services to individuals, corporations, retirement plans, and nonprofits. The firm offers a combination of advisor-led discretionary management and model-based strategies, access to proprietary and third-party programs, and integrated solutions that include insurance and alternative investments.

Samuel Rodriguez is a financial advisor with First Citizens Investor Services, Inc. He holds a Series 66 designation and has three years of industry experience. Prior to joining First Citizens, he worked at Charles Schwab & Co., Inc. and J.P. Morgan Securities, LLC. Outside of finance, he is involved with Too Sweet Bakery. First Citizens Investor Services, Inc. provides advisory and brokerage services to individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers portfolio management, model portfolios, automated investing platforms, and tax-aware services, focusing on assessments of financial needs, risk tolerance, and time horizon to guide investment allocations.

Curtis Westrich is a CFP® professional at Schwab Wealth Advisory with 15 years of experience in the financial services industry. His career includes roles at Charles Schwab, Moss Adams Wealth Advisors LLC, Mariner Wealth Advisors, and Providers Wealth LLC. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients with non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s guidance is based on Schwab’s asset-allocation models and internal research, providing tailored recommendations without exercising discretionary trading authority.

James Marsh is a financial advisor at United Planners' Financial Services of America with 13 years of industry experience. He holds Series 66 and Series 63 licenses and has worked with firms including Sunnyhill Financial and Rocket Mortgage. Outside of advisory roles, Marsh has experience as a mortgage loan officer and has a background with Amazon.com and Amway. United Planners Financial Services is a national wealth-management enterprise serving individual investors, retirement plans, corporations, trusts, estates, and other institutional clients. The firm supports independent investment adviser representatives with a range of custodians, money managers, and platform programs, primarily managing assets on a non-discretionary basis.

Delores Nance is a CFP® with 18 years of experience at Money Concepts Capital Corp. She also holds a Series 63 designation and has worked in accounting and education roles since 1997, including operating her own CPA firm since 2002. Outside of her advisory work, she serves as a volunteer board member for the Music Enrichment Foundation and as treasurer for the Science Center of Inquiry. Money Concepts Advisory Service provides portfolio management, financial planning, and consulting to a broad client base including individuals, pension plans, trusts, and charitable organizations. The firm employs a range of managed programs using model portfolios and third-party sub-advisers, applying fundamental and technical analysis alongside modern portfolio theory.

Richard Forscutt is a financial advisor with Money Concepts Capital Corp in Sun Lakes, AZ, holding the PFS™ designation along with Series 63 and Series 65 licenses. He has 14 years of experience at Money Concepts Capital Corp and over 30 years as a CPA providing tax preparation and accounting services. In addition to his advisory role, he maintains a tax preparation business and is a partner in a family real estate venture. Money Concepts Advisory Service offers portfolio management, financial planning, and consulting to a diverse client base including individuals, pension plans, trusts, and corporations. The firm employs a combination of model portfolios, advisor-designed portfolios, and third-party sub-advisers, applying both fundamental and technical analysis within a framework of modern portfolio theory.

Eric Nielsen is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has been with Charles Schwab & Co., Inc. since 2007 and Schwab Wealth Advisory Inc. since 2012. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab-referred clients. The firm uses Charles Schwab’s asset-allocation models and research tools to guide asset allocation and investment selection with annual reviews tailored to client goals and risk tolerance.

Michael Schroeder is a CFP® with 32 years of experience in the financial services industry. He is currently affiliated with Commonwealth Financial Network and part owner of Ke Wealth Advisors, where he has worked since 2019. Prior to this, he spent 14 years with Ameriprise Financial Services, Inc. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors. The firm provides a range of managed-account programs and custody services, allowing advisors to implement portfolios using internal model options or third-party platforms.

Michael Garmone is a financial professional with Carson Wealth in Gilbert, Arizona, holding Series 63 and Series 65 licenses and 18 years of industry experience. His career includes roles at Cetera Wealth Services, LPL Financial, and Pangea Wealth Management. He is involved in fixed insurance sales, including life, disability, annuities, and long-term care products. Carson Wealth is an SEC-registered investment advisory enterprise managing approximately $50.6 billion through over 650 advisors. The firm offers discretionary asset management, financial planning, and retirement plan services, utilizing an Investment Committee to oversee model portfolios and providing tailored solutions with a variety of custodial and technology partners.

Matthew Clay is a financial advisor with Steward Partners Investment Advisory, LLC, holding Series 63, 65, and 66 licenses and 26 years of industry experience. His prior roles include positions at Ameriprise and Raymond James Financial Services. He is also the sole owner and CEO of MJC Investment Properties, LLC, which manages commercial office space leased to Steward Partners. Steward Partners Investment Advisory, LLC is an enterprise-scale registered investment advisor managing approximately $36.7 billion in assets and serving individuals, pension plans, corporations, trusts, and charitable organizations. The firm offers diverse advisory and portfolio management services through Steward Partners-branded solutions and third-party money managers.

Jacob Schuerman is a financial advisor with Empower Advisory Group in Tempe, AZ, holding Series 63, Series 65, and Series 66 credentials and three years of industry experience. His work history includes roles at Empower Financial Services, The Vanguard Group, and the University of Arizona. He is also a member of the Financial Stewardship Ministry Team at Tempe Church of Christ, where he assists with church financial management. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail brokerage clients. The firm delivers integrated services tied to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and clients’ savings rates.

James Weil is a CFP® with 36 years of industry experience, currently serving as a financial advisor at Hightower Advisors since 2020. His previous roles include positions at Comprehensive Asset Management & Servicing, Inc. and Private Vista, LLC, where he worked from 1992 to 2020. Weil is also a board director at Ruth Lake Country Club, a nonprofit organization. Hightower Advisors provides investment advisory and planning services to a diverse client base including individuals, institutions, pension plans, and charitable organizations. The firm’s approach emphasizes manager selection and multi-manager solutions, combining proprietary research with a wide range of investment vehicles and operational support.

April Beltran is a CFP® professional with 21 years of industry experience. She is currently with Schwab Wealth Advisory Inc., where she has worked since 2018. Her previous experience includes roles at Wells Fargo Clearing, J.P. Morgan Securities, Chase Investment Services Corp., and Banc One Securities Corporation. Schwab Wealth Advisory 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 based on asset allocation models and internal research tools. The firm is notable for its scale, structured compliance measures, and its affiliation with Charles Schwab Futures and Forex LLC.

Robert Gentry is a financial advisor at Empower Advisory Group with 21 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at firms including Fidelity Investments, Charles Schwab & Co., Inc., USAA, Merrill, Wells Fargo, and Nationwide Investment Services Corporation. 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 clients. The firm operates an integrated model connected to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and clients’ savings rates.

Daniel Braun is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and 13 years of industry experience. He has worked at Schwab Wealth Advisory and Charles Schwab since 2021, following roles at Dubuque Bank & Trust/HTLF and Wells Fargo Clearing. Schwab Wealth Advisory serves clients in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients, providing non-discretionary fiduciary investment advice and financial planning. The firm’s approach uses Schwab’s asset-allocation models and research tools, with recommendations tailored to client goals and risk tolerance, while trades require client authorization.

Talmage De Meester is a CFP®-certified financial advisor with 12 years of industry experience, currently affiliated 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 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 Schwab’s asset-allocation models and research tools, focusing on client goals and risk tolerance, with trades executed only upon client authorization.

Judd Wagner is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 credentials and 30 years of industry experience. He has been with Charles Schwab and its affiliated entities since 1997. Outside of advising, he manages rental properties inherited recently. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm uses standard asset-allocation models and internal research tools to tailor recommendations without exercising discretionary trading authority.

Timothy Selvey is a financial advisor with United Planners Financial Services of America and holds a Series 66 designation. He has 10 years of industry experience, having previously worked at U.S. Bancorp Investments, Sage Point Financial, and Kestra Financial. United Planners Financial Services is a national wealth-management enterprise serving a broad client base including individual investors, retirement plans, corporations, and institutional clients. The firm delivers advisory and brokerage services primarily through independent representatives and manages approximately $12.77 billion in assets.

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, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has been with Charles Schwab and its affiliated firms since 2011, including a prior role at Schwab Private Client Investment Advisory. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab-referred clients. The firm’s approach is based on proprietary asset allocation models and internal research, offering guidance on a range of investment options while requiring client authorization for trades.