Michael Frazier is a CFP® with 17 years of industry experience and currently practices at Empower Advisory Group. His prior roles include positions at The Vanguard Group, Merrill, Bank of America, and USAA Financial Advisors. He has also worked in education within the Phoenix Union and Paradise Valley School Districts. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services tied to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing in its financial planning service and serves a large participant base with a higher client-to-advisor workload than many peers.

Andrew Johnson is a financial advisor with Empower Advisory Group in Mesa, AZ. He holds Series 66 and Series 63 designations and has one year of industry experience. His prior work includes roles at Trajan Wealth and loandepot. 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’s services emphasize long-term portfolio returns and annual rebalancing, delivered through an integrated model tied to Empower’s recordkeeping and administrative platforms.

Benjamin Aeschliman is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 registrations and having 14 years of industry experience. He has worked at Charles Schwab Bank since 2014 and Charles Schwab & Co., Inc. since 2011. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm uses Schwab’s standard asset allocation models and research tools, with advisors recommending allocations while clients retain final trading decisions.

Randy Morse is a CFP® professional with over 32 years of experience in the financial services industry. He has worked at Creative Planning since 2018 and previously spent 22 years at Fidelity Brokerage Services, Inc. and Fidelity Personal Trust. Outside of his advisory role, he is a landlord of rental properties in Mesa, AZ, and Aliso Viejo, CA. Creative Planning provides comprehensive investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm employs a financial planning–led investment approach with an emphasis on low-cost indexing and buy-and-hold strategies, supported by a range of supplemental investment options and integrated retirement plan services.

Daniel Skellan is a financial advisor with Eagle Strategies (NY Life) and holds Series 63 and Series 66 licenses. He has nine years of industry experience, including roles at NYLIFE Securities LLC and New York Life Insurance Company. Skellan has also served as a board member for Four Peaks Little League, where he is involved in teaching youth baseball. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple advisory programs and emphasizes tailoring solutions to client objectives, operating primarily on a non-discretionary asset management basis within the New York Life affiliate structure.

Alexander Csekme is a financial advisor at Schwab Wealth Advisory, Inc. based in Phoenix, AZ, with two years of industry experience. He holds Series 66 and Series 63 designations and has worked at several hospitality and technology firms prior to joining Schwab. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews, retirement planning, and investment recommendations that utilize Schwab’s research tools and asset allocation models.

Angelo Risola is a financial advisor with J.W. Cole Advisors, Inc. in Scottsdale, AZ, holding Series 63 and Series 66 licenses and having eight years of industry experience. His prior work includes roles at Wells Fargo Clearing, Wells Fargo Bank, Morgan Stanley, and Axa Advisors. Outside of advisory work, he is a member-manager of Risola Holdings, LLC, involved in residential home rehabilitation. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent representatives. The firm offers portfolio management, financial planning, and access to multiple managed account solutions using a variety of investment approaches.

Charles Tucker is a financial advisor with Eagle Strategies (NY Life) based in Scottsdale, AZ, holding Series 63 and Series 65 licenses and possessing 16 years of industry experience. He has worked with Carrie Hall and Associates Financial & Insurance Services since 2012 and has affiliations with New York Life and NYLIFE Securities LLC. Tucker is also involved in brokering non-registered insurance products through outside insurance carriers. Eagle Strategies serves a broad range of individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types and focuses on tailored recommendations, with the majority of assets managed on a non-discretionary basis, serving both retail and institutional clients within an integrated New York Life affiliate structure.

Brent Breshears is a financial advisor at D.A. Davidson & Co. in Scottsdale, AZ, holding Series 63 and Series 65 licenses with 29 years of industry experience. He has been with D.A. Davidson & Co. for 20 years. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including retirement plans, individual investors, charitable organizations, and corporations. The firm operates under fiduciary standards, offering a range of services from retirement plan advisory to comprehensive financial planning and wealth management, including specialized programs for clients with over $20 million in net worth.

Grant Osborne is a financial advisor at MAI Capital Management, LLC with six years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at WCG Wealth Advisors, LLC and AXA Advisors, LLC. Osborne is also involved with Treloar & Heisel, LLC, a firm engaged in fixed and accident and health insurance sales. MAI Capital Management provides investment management, wealth management, retirement plan consulting, and family-office services to a diverse client base including high-net-worth individuals, families, sports professionals, trusts, and institutional clients. The firm offers customized portfolio management across multiple strategies and integrates financial planning and tax services into many client relationships.

James Smith is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 65 designations and 29 years of industry experience. He has been with United Planners since 2009. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients such as sovereign wealth funds and banks. The firm operates an open-architecture platform with multiple custodians and third-party money managers, offering a mix of fee-based and commission-based options primarily on a non-discretionary basis.

Nancy Loveland is a CFP® professional with 43 years of experience in the financial services industry. She has been associated with United Planners Financial Services since 2004 and has operated as a self-employed representative since 1983. Nancy is also licensed as a non-variable insurance agent. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm operates an open-architecture platform with multiple custodians and third-party money managers, offering both fee-based and commission-based options through its network of independent Investment Advisor Representatives.

Troy Klunk is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Schwab Wealth Advisory and Charles Schwab in various capacities since 2014, with a brief tenure at Edward Jones in 2020. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program. The firm offers annual financial reviews and investment recommendations based on standardized asset allocation models and Schwab research tools, while clients retain final trading decisions.

Jeffrey Kirshner is a financial advisor with Primerica Advisors based in Scottsdale, AZ, holding the PFS™ designation along with Series 63 and 66 licenses. He has 23 years of industry experience and has been with Park Avenue Securities since 2002. Outside of his advisory role, Kirshner operates Kirshner & Klarfeld Financial Group, focusing on insurance and financial services, and serves as a trustee for multiple family trusts. He is also a member of the Congregation Beth Israel Endowment Committee. Park Avenue Securities LLC serves a wide range of clients including individuals, high-net-worth investors, charitable organizations, and corporations, offering both brokerage and advisory services. The firm utilizes a combination of proprietary and third-party investment strategies and supports various account-level services such as lending solutions and donor-advised funds.

Dane Breslo is a CFP® with three years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior experience includes roles at Charles Schwab and Prospera Financial Services Inc. Outside of his advisory work, he sells personal and collectible items on eBay. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools to support wealth management and investment decisions.

Michael Klarfeld is a financial advisor with Primerica Advisors in Scottsdale, AZ, holding the ChFC® and Series 63 designations and bringing 41 years of industry experience. He has been with Primerica Advisors since 1999 and maintains ongoing roles with Guardian Life Insurance Company and General American. In addition to his advisory work, he is involved with Kirshner & Klarfeld Financial Group, an insurance and financial services firm focusing on life, disability, and long-term care insurance. Primerica Advisors is an enterprise-level firm serving a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers both brokerage and advisory services, utilizing proprietary model portfolios alongside third-party managers and digital advice solutions.

Brent Sayler is a CFP® with six years of industry experience, currently serving as a financial advisor at Allworth Financial, L.P. in Phoenix, AZ. He previously worked at The Vanguard Group, Inc. and operated his own advisory practice before joining Allworth Financial. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio management using a variety of model strategies, including core-satellite, index allocations, and options-based overlays, and operates a specialized Airline division focused on airline industry employees.

Curtis Westrich is a CFP® professional with 14 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, having previously worked at Providers Wealth LLC, Mariner Wealth Advisors, Moss Adams Wealth Advisors LLC, and Charles Schwab in various roles. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its program, offering annual financial reviews, retirement planning, and investment recommendations based on Schwab’s proprietary research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice without discretionary trading authority and primarily serving individual clients rather than institutional accounts.

James Marsh is a financial advisor with United Planners' Financial Services of America and holds the Series 63 and Series 66 licenses. He has 13 years of industry experience and has worked in roles including mortgage loan originator and insurance producer. His prior experience includes positions at Rocket Mortgage and Amazon.com. United Planners Financial Services is a national wealth-management enterprise with approximately $12.77 billion in assets under management and over 350 advisors serving a diverse client base that includes individuals, retirement plans, corporations, and institutional clients. The firm offers advisory and brokerage services delivered through independent representatives and emphasizes a mix of custodians and third-party managers to implement investment strategies, with a majority of assets managed 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.