Charles Lefkowitz is a CFP® with 55 years of industry experience, currently affiliated with United Planners' Financial Services of America as a Limited Partner. His career includes roles in independent insurance and estate planning document preparation, as well as entrepreneurial activity as a greeting cards distributor. He is based in Chandler, AZ. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, and institutional clients, offering financial planning, portfolio management, retirement plan services, and brokerage solutions through a network of 477 independent advisors. The firm operates an open-architecture platform with multiple custodians and third-party money managers, emphasizing largely non-discretionary asset management.

Kyle Ingram is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 credentials and two years of industry experience. Prior to joining Schwab, he worked at Troon North Golf Club for four years and spent several years in full-time education. 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 utilizes Charles Schwab’s asset-allocation models and research tools to deliver tailored recommendations, while trades require client authorization.

Chase Perchal is a financial advisor with Guardian Life and holds the Series 66 designation. He has two years of industry experience, including prior roles at Morgan Stanley and Farm Bureau Financial Services. Outside of his advisory work, he is involved as a hunting guide with Big Chino Outfitters in Prescott, AZ. Guardian Life’s subsidiary, Park Avenue Securities LLC, offers a range of brokerage and investment advisory services to individuals, institutions, and retirement plan sponsors. The firm combines advisor-managed discretionary strategies with model-based programs and provides access to proprietary and third-party investment solutions.

Lauren Ireland is a financial advisor with Bankers Life Advisory Services, Inc. in Phoenix, AZ, holding Series 63 and Series 65 licenses and four years of industry experience. Her work history includes roles at Bankers Life Securities, Inc., Bankers Life & Casualty, Inc., and prior experience outside the financial sector. She is also the owner of Lauren Ireland Insurance LLC, an S Corp focused on insurance services. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals with discretionary portfolio management, investment consulting, and retirement plan consulting. The firm employs a combination of fundamental, technical, and cyclical analysis to create tailored asset allocations and portfolio management strategies aligned with clients’ goals and risk tolerances.

Nicholas Karabas is a Series 65-licensed financial advisor with Creative Planning in Scottsdale, AZ, where he has worked since 2011. He has 14 years of industry experience. Outside of his advisory role, he serves as secretary for a massage therapy business owned by his wife. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in assets and employs a financial planning–led investment process emphasizing low-cost indexing and buy-and-hold strategies, supplemented by various tactical approaches and integrated retirement plan services.

John Powers is a financial advisor at Mariner with 30 years of industry experience. He previously worked at Morgan Stanley and Morgan Stanley & Co., Incorporated for over 16 years combined. Mariner serves a diverse client base including individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations, offering investment management, financial planning, retirement plan consulting, and coordinated tax and family office services. The firm employs discretionary, customized portfolios supported by an Investment Committee and an internal management team, integrating tax and accounting services alongside traditional portfolio management.

Steven Cook is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 65 credentials and possessing 45 years of industry experience. His career includes long tenures at Cue Financial Group, Securities America, PFG Advisors, and other firms. He is also a managing partner of Sparrow Financial, a marketing entity based in Glendale, AZ. United Planners Financial Services is a national wealth-management enterprise serving a broad client base that includes individual investors, retirement plans, corporations, trusts, and institutional clients. The firm employs independent investment adviser representatives and uses a combination of custodians and third-party money managers to implement client strategies, with a large portion of its assets under management held on a non-discretionary basis.

Pamela Prine is a financial advisor at J. W. Cole Advisors, Inc. with 23 years of industry experience. She holds Series 63 and Series 65 licenses and has been with J.W. Cole Advisors since 2012. Besides her advisory role, she is involved in business consulting with a focus on estate preparation, Social Security fundamentals, and tax planning, and serves as Communication Director on a local interfaith and civic council. J.W. Cole Advisors operates a large network of independent advisers, providing fee-based portfolio management, financial planning, and retirement plan services for individuals, high-net-worth clients, and institutional accounts. The firm employs a range of investment strategies, including discretionary and non-discretionary management, and utilizes both fundamental and technical analysis as well as digital advice platforms.

David Rich is a CFP® professional with 17 years of industry experience, currently serving at Mercer Global Advisors Inc. since 2022. His prior roles include positions at Brightside Benefit and Vanguard. Outside of his advisory work, he is the founder of Proudly We Wave, a holiday flag service based in Mesa, AZ. Mercer Global Advisors provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth families, small business owners, corporate plan sponsors, and nonprofit organizations. The firm’s investment approach is based on Modern Portfolio Theory, emphasizing globally diversified, risk-appropriate portfolios with multi-factor tilts and tax management.

Andrew Reinhardt is a CFP® with 21 years of industry experience, currently serving as a financial advisor at Beacon Pointe Advisors, LLC in Scottsdale, AZ. He has been with Beacon Pointe in various capacities since 2014. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse range of individual and institutional clients. The firm focuses on discretionary wealth management, financial planning, retirement plan consulting, and outsourced CIO solutions, implementing client strategies primarily through third-party independent managers selected via a proprietary due-diligence process.

Kyle Mendoza is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and two years of industry experience. He has worked with Charles Schwab & Co., Inc. since 2024 and has prior experience at Wells Fargo and Target. 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 referred clients. Its approach involves customized, at-least-annual reviews using internal research tools and asset-allocation models, with trades executed only upon client authorization.

Kelly Arakaki is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. Before joining Schwab Wealth Advisory in 2014, Arakaki worked at USAA Financial Planning Services and Massachusetts Mutual Life Insurance Company. 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 based on Charles Schwab’s asset-allocation models and internal research tools.

Salvatore Ditusa is a financial advisor at Mariner Wealth Advisors with 17 years of industry experience. He holds Series 65 and Series 66 licenses and has previously worked at IHT Wealth Management, LPL Financial, Neuberger Berman, Inland Securities Corporation, and Morgan Stanley. Mariner Wealth Advisors serves a diverse client base including individuals, high-net-worth households, pension plans, trusts, estates, charities, corporations, and private funds. The firm offers customized investment management, financial planning, tax services, and employer financial wellness tools, employing a range of strategies overseen by an Investment Committee and supported by in-house research and third-party managers.

Rebecca Tornabene is a financial advisor with Beacon Pointe Advisors, LLC in Scottsdale, AZ, holding Series 63, 65, and 66 licenses and bringing 14 years of industry experience. She has worked at Beacon Pointe in various capacities since 2016 and was previously with Purshe Kaplan Sterling Investments, Inc. In addition to her advisory role, she is an insurance agent with Beacon Pointe Insurance Services, LLC, focusing on life, health, and accident products. Beacon Pointe Advisors provides wealth advisory, consulting, financial planning, and retirement-plan services to individuals, corporations, and institutional clients. The firm combines asset-allocation modeling with third-party independent managers across active and passive strategies, supporting clients with portfolio management and comprehensive performance reporting.

Brendan Luther is a financial advisor at PNC Wealth Management with four years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at LPL Financial and The Vanguard Group. His background also includes roles outside finance, such as positions with Sonesta International Hotels Corporation and Marriott International. PNC Wealth Management offers retail brokerage and advisory services through several model-based investment programs, including an invitation-only, employee pilot digital offering that uses algorithm-driven risk assessment and approved model strategies executed via mutual funds and ETFs.

Dante Peterson is a CFP® professional with four years of industry experience, currently serving at Focus Partners Wealth, LLC. He has previously worked at Kovitz Investment Group Partners, LLC and TMD Wealth Management LLC. Focus Partners Wealth serves individuals, high-net-worth families, family offices, and institutional clients with comprehensive wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach that combines active and passive strategies within an enhanced open architecture framework.

Leonard Thompson is a financial advisor at Ameritas Advisory Services, LLC with 27 years of industry experience. He holds the Series 66 designation and has worked at Ameritas and its affiliated firms since 2003, as well as at Cambridge Investment Research from 2001 to 2003. In addition to advisory work, he is licensed as an independent insurance agent selling fixed insurance products such as life, disability, and long-term care insurance. Ameritas Advisory Services, LLC provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth investors, retirement plans, charitable organizations, and businesses. The firm utilizes a range of investment vehicles and program platforms, combining model portfolios, mutual funds, ETFs, and individual securities, supported by third-party technology and management.

James Hatton is a CFP® and holds a Series 65 license, with 23 years of experience in financial advising. He has worked at Creative Planning since 2022 and previously operated Hatton Consulting, Inc. for 21 years. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in client assets and employs a financial planning–led investment process that emphasizes low-cost indexing, buy-and-hold strategies, and supplemental approaches such as direct indexing and tax-loss harvesting.

Michelle Heffel is a financial advisor with Osaic Advisory Services, LLC, holding Series 63 and Series 65 licenses and 13 years of industry experience. She has worked at several firms including OSAIC Wealth, Inc., Pacific Capital Resource Group, Inc., and Royal Alliance Associates, INC. Heffel also serves in supervisory roles related to compliance and oversight at Advisory Resource Group, LLC and Pacific Capital Resource Group, Inc. Osaic Advisory Services, LLC is an SEC-registered enterprise adviser serving individuals, pension and profit-sharing plans, corporate and charitable entities, and sovereign wealth fund clients. The firm offers a range of investment programs and financial planning services, employing both fundamental and technical analysis, and collaborates with various platform partners and third-party managers.

Scott Householder is a financial advisor with Wealth Enhancement Advisory Services, LLC in Scottsdale, AZ, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He was previously affiliated with LPL Financial and led Householder Group Estate & Retirement Specialists for 12 years. Outside of advising, he serves as a trustee for the Gayle Bradford Davis Trust and is involved with multiple holding companies. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and employs a diversified investment approach blending passive and active strategies overseen by an internal Investment Committee.