Jeremiah Erzen is a financial advisor at Merrill with 10 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Merrill since 2016, with prior experience at Prestige Medical Consultants and the University of Arizona Global Campus. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Patrick Howley is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and six years of industry experience. He has been with Vanguard Advisers since 2024 and also works with Vanguard Marketing Corporation and The Vanguard Group, Inc. Since 2001, he has owned The Howley Group, LLC, providing consulting services to non-profits on marketing and market research projects as well as automated traffic enforcement. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans by providing automated and human-supported investment advice. The firm uses a goal-based, algorithm-driven approach to personalized asset allocation, primarily employing Vanguard funds and ETFs, and supports a large client base through a high client-per-advisor ratio enabled by its automated platform.

Kheilla Ndayikeza is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds a Series 66 designation and has previously worked at Grubhub, Wells Fargo Bank, and Wells Fargo Clearing. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Nicholas Guzzardo is a financial advisor with Wells Fargo Clearing in Scottsdale, AZ, holding a Series 66 designation and nine years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he works as a hunting guide with the Arizona Game and Fish Department. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven approach incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Matthew Glover is a financial advisor with Vanguard Advisers, holding a Series 66 designation and one year of industry experience. His prior work experience includes roles at Wells Fargo and Charles Schwab. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary models and constructs portfolios mainly from Vanguard funds and ETFs, offering various customization options.

Sara Mullen is a financial advisor at Vanguard Advisers with nine years of industry experience. She holds Series 63 and Series 66 designations. Her prior experience includes roles at Grand Canyon University, MSA Engineering, and The Vanguard Group, Inc. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach, constructing portfolios primarily from Vanguard funds and ETFs, and manages a large client base through a combination of digital platforms and advisor teams.

Valerie Borin is a financial advisor at Vanguard Advisers with three years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously with Cardinal Financial Company, American Financial Network, and Preferred Financial Group. Outside of financial advising, she is an independent real estate broker contracted with Berkshire Hathaway, operating on a referral basis. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through a combination of automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach using proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Daniel Young is a financial advisor with Wells Fargo Clearing in Scottsdale, AZ, holding Series 63 and Series 66 credentials and has 37 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm includes insurance-related products and bank deposit sweep options among its investment offerings and acts as an ERISA fiduciary for its clients.

Stephanie Kung is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. She has been with The Vanguard Group, Inc. since 2013 and has been self-employed in arts and crafts since 2021. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans, offering goal-based, algorithm-driven asset allocation primarily through Vanguard funds and ETFs. The firm is notable for its scale, managing hundreds of thousands of client relationships through a combination of automated platforms and a large advisor team.

Christopher Watkins is a financial advisor at Vanguard Advisers with one year of industry experience. He holds the Series 66 designation and is based in Scottsdale, AZ. Outside of his advisory role, he is involved in film production as the owner of Clutch Entertainment, LLC and Catapult Entertainment Group, LLC, and also works as a server at Paul Martin's American Grill. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios primarily constructed from Vanguard funds and ETFs. The firm manages a large client base through a combination of digital platforms and a team servicing model.

Kyle Stringer is a financial advisor at J.P. Morgan Securities with Series 66 and Series 63 licenses and three years of industry experience. His prior work includes roles at Securian Financial Services, 3M, and the University of Arizona, as well as involvement in hospitality ventures such as Matt's Big Breakfast and Stringer Restaurant Holdings. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Joseph Zangri is a financial advisor at Vanguard Advisers with a Series 66 designation and three years of industry experience. His prior work includes roles at The Vanguard Group, Vanguard Marketing Corporation, and Potbelly Corporation. Vanguard Advisers provides automated and human-supported investment advice through digital and personal advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach and manages portfolios constructed largely from Vanguard funds and ETFs.

Scott McKeever is a Financial Consultant currently working at Fidelity Investments since 2020. He has 10 years of experience in the financial services industry, including previous work as a Financial Planner at Northwestern Mutual from 2015 to 2020. Scott focuses on comprehensive planning, investment analysis, and providing ongoing guidance and support to clients and their families to improve their financial wellness. His approach centers on helping clients develop and maintain peace of mind by establishing a trusting advisory relationship. Outside of his professional role, Scott has personal interests that include beach activities, cooking and baking, fitness, football, golf, and horseback riding.

Jacob Baranowski is a financial advisor with Vanguard Advisers holding a Series 66 designation. He has been with Vanguard and its affiliates since 2026. Prior to joining Vanguard, he worked in positions outside the financial advisory industry, including at NucleusTeq Inc. and Total Quality Logistics. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models to set personalized asset allocations, primarily utilizing Vanguard funds and ETFs.

Dean Sprague is a financial advisor at Vanguard Advisers with 14 years of industry experience. He has been with The Vanguard Group since 2011 and holds the Series 63 and Series 65 designations. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with proprietary methodologies to create personalized asset allocations, primarily utilizing Vanguard funds and ETFs.

Adam Tolbert is a financial advisor with Vanguard Advisers, holding a Series 66 designation and four years of industry experience. He has worked with Vanguard Marketing Corporation, The Vanguard Group, and Principal Securities Inc. Additionally, he operates an e-commerce business. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven investment approach with portfolios constructed mainly from Vanguard funds and ETFs.

Brent Langley is a CFP® with 14 years of industry experience, currently serving as an advisor at Vanguard Advisers since 2011. He previously worked at All Things Cheer from 2008 to 2017. In addition to his advisory role, Langley carries a mortgage loan as a lender in Scottsdale, AZ. Vanguard Advisers provides automated and human-supported investment advice through digital and personal advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach with portfolios mainly composed of Vanguard funds and ETFs, and manages a large client base through its scale and digital delivery.

Xavier Almoro Watkins is a financial advisor at Equitable Advisors with two years of industry experience. He holds a Series 66 designation and has worked in various roles prior to joining Equitable Advisors, including positions at TopGolf and Starbucks. Watkins serves as a board member for Calling All Men, a nonprofit organization based in Phoenix, AZ. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage channels tailored to client goals and risk tolerance.

Dylan Hoffman is a financial advisor at Morgan Stanley with nine years of industry experience. He has been with Morgan Stanley Private Bank and Morgan Stanley since 2018 and previously worked at The Vanguard Group for one year. Hoffman holds Series 63 and Series 66 designations. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm’s planning process uses structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

John Oconnor is a financial advisor with Vanguard Advisers, holding a Series 66 designation and 25 years of industry experience. He has been with The Vanguard Group, Inc. since 2014. Vanguard Advisers provides both automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach with proprietary models to create personalized portfolios mainly composed of Vanguard funds and ETFs.