Andrea Flores is a CFP® and ChFC® with 19 years of experience in financial services. She is currently with Schwab Wealth Advisory Inc., where she has worked since 2019. Her prior experience includes roles at USAA Investment Management Company, USAA Financial Advisors, Inc., Centaurus Financial, Inc., and Merrill. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab’s asset-allocation models and internal research tools to guide investment selection and wealth management.

Shaun Horan is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His career includes longstanding roles at Guardian Life and Mutual/United of Omaha Insurance Company. Outside of his advisory work, he serves as an officer and bookkeeper for DanAm Aviation LLC, a holding company. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, offers brokerage and investment advisory services to individuals, corporate clients, retirement plan sponsors, charitable organizations, and businesses. The firm utilizes a combination of advisor-led discretionary management and model-based strategies, providing tailored client relationships supported by proprietary and third-party platforms.

William Jorden is a CFP® with 18 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. He has worked at Schwab Wealth Advisory and Charles Schwab & Co., Inc. since 2017, with prior experience at Oppenheimer, Merrill, and Wells Fargo Clearing. 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 Charles Schwab’s asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance.

Patrick Nugent is a financial advisor with Schwab Wealth Advisory Inc. in Phoenix, AZ, holding Series 65 and Series 66 licenses and bringing 27 years of industry experience. His prior roles include positions at USAA Financial Advisors Inc. and Merrill. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program or referred by Charles Schwab & Co. The firm uses standard asset-allocation models and internal research tools to offer tailored investment recommendations, executing trades only with client authorization.

Christopher Cornwall is a financial advisor with Schwab Wealth Advisory Inc. in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has been with Charles Schwab since 1997 and has served at Schwab Wealth Advisory since 2012. Outside of his advisory role, Cornwall is the president and owner of Cornwall Enterprises LLC, a business that leases vehicles to drivers. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab & Co.’s asset-allocation models and research tools. The firm offers personalized recommendations with at-least-annual reviews, focusing on client goals and risk tolerance without exercising discretionary trading authority.

Chad Wing is a financial advisor with Cerity Partners LLC in Scottsdale, AZ, holding CFP® and Series 66 designations and bringing 25 years of industry experience. His prior roles include positions at Northwestern Mutual, Canopy Wealth Management, and Petrichor Asset Management. He maintains renewal commissions from previous insurance sales but no longer actively sells insurance products. Cerity Partners serves a diverse client base ranging from individuals and families to institutional investors, managing over $166 billion in assets. The firm offers customized wealth management services combining proprietary quantitative methods with access to alternative and private market solutions.

David Marcus is a CFP® professional with 41 years of experience in financial services. He has been with Kestra Advisory since 2016 and has operated his own firm, David A. Marcus & Associates, Inc., since 1984. Marcus also engages in insurance brokerage and trust management activities outside his advisory role. Kestra Advisory Services provides investment advisory and retirement plan consulting to a diverse client base, including institutional and individual investors. The firm offers fiduciary services, plan design, compliance testing, and access to multiple management platforms, serving clients such as large institutional investors and sovereign wealth funds.

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. He previously worked at Merrill from 2016 to 2021. Outside of his advisory role, Gasser performs general handyman duties, including remodeling and caulking, through his engagement with Madhouse Properties LLC. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm emphasizes tailored asset allocation and investment selection without exercising discretionary trading authority.

Eric Christus is a financial advisor with United Planners' Financial Services of America, holding Series 65 and Series 63 licenses and bringing nine years of industry experience. His prior roles include positions at First Financial Equity Corporation and Mass Mutual Financial Group. Christus is also involved with BrightPhoenix Management LLC and holds an insurance agent license. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base including individuals, retirement plans, corporations, and trusts. The firm operates with a limited-partnership ownership structure and delivers advisory services primarily on a non-discretionary basis through independent Investment Adviser Representatives.

Robert Cain is a financial advisor with Independent Financial Group, LLC in Scottsdale, AZ, holding Series 63, 65, and 66 licenses and bringing 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 the president of his local homeowners association. Independent Financial Group, LLC provides investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth clients, trusts, and retirement plans. The firm uses both firm- and third-party models to develop client strategies, combining strategic asset allocation and multi-manager portfolios with ongoing monitoring across various risk profiles.

Thomas Knoell is a financial advisor at Kestra Advisory with Series 66 and Series 63 credentials and two years of industry experience. Prior to his current role, he worked at Charles Schwab & Co., Inc. and has a diverse background including positions in home improvements and the food service industry. Kestra Advisory Services provides investment advisory and retirement plan consulting to a wide range of institutional and individual clients, including plan sponsors. The firm offers fiduciary consulting, plan design, employee education, and investment management services, serving clients ranging from individual investors to large institutional entities such as sovereign wealth funds.

Miguel Mayagoitia is a financial advisor at Allworth Financial, L.P. in Phoenix, AZ, with seven years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Vanguard Marketing Corporation and The Vanguard Group, Inc. from 2019 to 2026. Allworth Financial serves a diverse client base including individual and high-net-worth investors, pension plans, trusts, and charitable organizations. The firm provides financial planning, portfolio management, retirement plan consulting, and offers a range of investment strategies supported by both quantitative and qualitative analysis.

Randy Azuogu is a CFA® charterholder with 10 years of industry experience. He has been with Schwab Wealth Advisory since 2017 and with Charles Schwab since 2015. Based in Phoenix, AZ, he holds Series 63 and Series 66 licenses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily for clients enrolled in the Schwab Wealth Advisory program. The firm uses Charles Schwab & Co.’s asset-allocation models and internal research tools to tailor recommendations, relying on client authorization for trade execution and typically suggesting separately managed accounts.

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.

Philip Walden is a financial advisor with Eagle Strategies (New York Life) based in Scottsdale, AZ. He holds Series 63 and Series 65 licenses and has 44 years of industry experience. His career includes long-term roles at New York Life Insurance Company since 1967 and Nylife Securities Inc. since 1975. Additionally, he is involved in brokering non-registered insurance products for outside insurance carriers. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm offers tailored solutions across various program types and manages a majority of its assets on a non-discretionary basis.

Ashley Monteverde is a financial advisor at Schwab Wealth Advisory with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Charles Schwab and its affiliated entities since 2013. Schwab Wealth Advisory serves clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice and financial planning. The firm uses Charles Schwab’s asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance, with trades requiring client authorization.

Andrew Kissinger is a CFP® professional with eight years of industry experience, currently serving at Schwab Wealth Advisory Inc. since 2020. He has prior experience with Charles Schwab & Co., Inc. dating back to 2017 and worked at Carvana from 2014 to 2017. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled 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 Schwab’s proprietary research tools and standard models, with recommendations tailored to individual goals and risk tolerance.

John Escamilla is a CFP® and Series 66-licensed financial advisor with one year of industry experience. He is currently with Schwab Wealth Advisory, where he has worked since 2025. His prior experience includes roles at Merrill and Bank of America. 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 advice is centered on Charles Schwab’s proprietary asset-allocation models and internal research, offering tailored recommendations based on client goals and risk tolerance without exercising discretionary trading authority.