Torrey Pine is a CFP®-designated financial advisor with three years of industry experience, currently associated with CWM, LLC in Scottsdale, AZ. Prior to joining CWM, they worked at Carson Wealth and Integrated Wealth Management. CWM, LLC is an SEC-registered investment adviser managing approximately $50.6 billion through a network of over 650 advisors. The firm offers discretionary asset management, financial planning, annuity sub-account management, sub-advisory relationships, and retirement plan services, employing a model portfolio approach guided by an Investment Committee and providing tailored investment solutions.

Christopher Cassutt is a financial advisor with Guardian Life, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has been associated with Guardian Life and its related entities since 2014 and is currently also affiliated with Park Avenue Securities. Outside of advisory work, he partners with the Eagleston Financial Group and sells life and disability insurance through Guardian and other carriers. Park Avenue Securities, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a combination of advisor-led discretionary management and model-based strategies, along with access to proprietary and third-party advisory solutions.

David Ricci is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at Mercer Global Advisors Inc. He previously worked at The Vanguard Group and Fidelity Investments. Mercer Global Advisors provides investment advisory and planning services to individuals, families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm employs a globally diversified investment approach based on Modern Portfolio Theory and offers a range of portfolio management and financial planning solutions.

Colton Haydel is a financial advisor at Schwab Wealth Advisory with a Series 66 credential and one year of industry experience. His previous roles include positions at JR Capital, Charles Schwab & Co., and other non-financial companies such as Epic Valet and Zen Shuttles. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on Schwab’s internal research and asset-allocation models, offering tailored recommendations but requiring client authorization for trades.

Brice Willoughby is a financial advisor with Independent Financial Group, LLC in Phoenix, AZ. He holds Series 63 and Series 65 licenses and has 18 years of industry experience. Willoughby has been with Independent Financial Group since 2007 and has been self-employed since 2005. Outside of his advisory role, he is also licensed as an Arizona insurance agent offering various insurance products. Independent Financial Group, LLC provides investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate and pension/profit-sharing plans, and charitable organizations. The firm employs strategic asset allocation and a combination of active and passive management across various investment platforms and risk profiles.

Christopher Bonnington is a financial advisor at TIAA-CREF with seven years of industry experience. He holds a Series 66 designation and has worked previously at Mutual of Omaha and Thrivent Financial. Bonnington is based in Phoenix, AZ. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals with existing employer retirement plan relationships, as well as trusts, estates, partnerships, and small retirement plans. The firm offers a fiduciary standard in its RIA services and operates within a vertically integrated structure that includes affiliated funds and donor-advised fund advisory services.

Brady Marlow is a CFP® professional with 22 years of industry experience, currently serving at Sequoia Financial Group, L.L.C. since 2025. His prior experience includes roles at CWM, LLC, Northwestern Mutual Wealth Management Company, and Ameriprise, among others. Outside of advisory work, he is the owner of Scopious Coaching, a life coaching business, and serves as Vice Chair of the Omaha Venture Group, a community foundation. Sequoia Financial Advisors, LLC provides wealth planning, investment management, and retirement-plan advisory services to a diverse client base including individuals, family offices, corporations, and charitable organizations. The firm employs a combination of model and custom portfolio management strategies and incorporates various investment vehicles such as mutual funds, ETFs, and private investments, with oversight by an Investment Policy Committee.

Erick Jimenez is a financial advisor with Foundations Investment Advisors LLC based in Phoenix, AZ. He holds Series 63 and Series 65 licenses and has eight years of industry experience. His prior roles include positions at Asset Preservation Wealth & Tax, Kingdom Financial Group, AXA Advisors, and Edelman Financial Engines Advisors. Foundations Investment Advisors, LLC provides financial planning and portfolio management services to individual and high-net-worth clients, as well as employer-sponsored retirement plans and registered investment companies. The firm uses a combination of fundamental, technical, and cyclical analysis and employs model portfolios with discretionary or non-discretionary authority assigned to its investment adviser representatives.

Kenneth Gatliff is a financial advisor at Creative Planning with 8 years of industry experience. He holds the Series 65 and Series 66 licenses. Prior to joining Creative Planning in 2022, he worked at Keystone Wealth Partners from 2018 to 2022 and Matson Money, Inc from 2007 to 2018. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a wide range of clients, including high-net-worth individuals, institutions, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies, supplemented by tax-loss harvesting, individually managed portfolios, and selective private market exposure.

James Garner is a financial advisor with Empower Advisory Group in Phoenix, AZ, holding Series 63 and Series 66 credentials and four years of industry experience. His prior roles include positions at J.P. Morgan Securities, The Vanguard Group, and Charles Schwab. 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’s integrated model focuses on long-term portfolio returns, annual rebalancing, and clients’ savings rates within plan lineups selected by plan sponsors.

Patricia Holdman is a CFP® professional with 19 years of experience in the financial services industry. She has worked at Charles Schwab and Schwab Wealth Advisory Inc. since 2020 and previously spent nine years at The Vanguard Group, Inc. in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab’s asset-allocation models and research tools. The firm focuses on client-authorized trades and offers tailored recommendations reviewed at least annually.

Jason Fredette is a CFP® and CFA® with 24 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, where he has worked since 2018, including prior roles at Charles Schwab and several banking institutions. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain referred clients, using asset-allocation models and internal research tools to tailor recommendations based on individual goals and risk tolerance.

Adam Brown is a financial advisor at Schwab Wealth Advisory with 14 years of industry experience. He has worked at Charles Schwab & Co., Inc. and Schwab Wealth Advisory Inc. since 2018, and previously spent six years with The Vanguard Group, Inc. He holds Series 63 and Series 65 licenses. 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 uses Schwab’s asset-allocation models and research tools to guide investment selection and typically recommends third-party or affiliated separately managed accounts.

Carson Busch is a financial advisor with Sequoia Financial Group, L.L.C. in Phoenix, AZ. He holds a Series 65 designation and has one year of industry experience. Prior to joining Sequoia, he worked at Focus Partners Wealth and The Gellman Team Real Estate. Sequoia Financial Advisors provides wealth planning, investment management, retirement-plan advisory, and related consulting services to a diverse client base that includes individuals, family offices, corporations, charitable organizations, trusts, and retirement plans. The firm employs a combination of model allocations and custom portfolio solutions overseen by an Investment Policy Committee.

Douglas Rosendahl is a financial advisor with Principal Financial Services, holding a Series 66 designation and over 20 years of industry experience. He has worked at Principal Securities Inc. and Principal Life Insurance Company since 2015. In addition to his advisory role, he serves as a bank/trust officer at Principal Bank and Principal Trust Company, supporting retirement plan account relationships. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and business entities. The firm offers direct advisory programs, financial planning, and access to third-party money manager solutions under various arrangements.

Grant Gottdiner is a CFP® professional with five years of industry experience, currently advising at Schwab Wealth Advisory. He has held positions at several major firms, including Fidelity Investments, Bank of America, Merrill Lynch, and Charles Schwab. Outside of finance, he has worked with the University of Kentucky Johnson Center and has experience in landscaping and club management. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily for clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s guidance is based on proprietary asset-allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Michael Conway is a CFP® professional with eight years of industry experience, currently serving with Empower Advisory Group. His work history includes roles at Personal Capital Advisors Corporation and The Vanguard Group, Inc. He has also held positions related to real estate and education at Sotheby's International Realty and Fort Lewis College. 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 offers integrated services aligned with Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and client savings rates.

Michael Gentsch is a CFP® with 20 years of industry experience, currently serving at Focus Partners Wealth, LLC since 2024. He previously worked at Schwab Private Client Investment Advisory, Inc. and Charles Schwab, where he spent a total of 15 years. Outside of his advisory role, he operates a car rental service through Turo. Focus Partners Wealth serves individuals, high-net-worth families, family offices, and institutional clients with a comprehensive range of wealth management and advisory services. The firm employs an investment approach that combines active and passive strategies within an enhanced open architecture framework, using fundamental and quantitative analysis along with specialized tools such as trend-following and options overlay strategies.

Gabriel Gurau is a CFP® professional with eight years of experience in the financial services industry. He currently works at Schwab Wealth Advisory, where he has been employed since 2022. His prior experience includes roles at Robinhood Financial, USAA Investment Services Company, Charles Schwab Bank, and Bank of America. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, offering non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on Charles Schwab’s asset-allocation models and internal research, with an emphasis on client goals and risk tolerance.

Matthew Sutton is a CFP® professional with eight years of experience in the financial industry. He is currently with Schwab Wealth Advisory, Inc. and has prior experience at Charles Schwab & Co., Robinhood Markets, and Vanguard Group. Before entering the financial sector, he spent over a decade in hospitality and other industries. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm utilizes Charles Schwab’s asset-allocation models and internal research tools to deliver tailored recommendations, while maintaining a structure that involves client authorization for trades and affiliation with registered futures and forex entities.