Kelly Malone is a financial advisor with Vanguard Advisers based in Scottsdale, AZ. She holds a Series 66 designation and has one year of industry experience. Prior to joining Vanguard, she worked at Legends West Bank, Flatirons Bank, and the Federal Home Loan Bank of Topeka. Malone is a minority interest owner in several investment-related businesses including property development, strategic capital placement, oil and gas, and real estate. 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, leveraging proprietary models to set personalized asset allocations, primarily utilizing Vanguard funds and ETFs.

Ryan Nielsen is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has been with The Vanguard Group, Inc. since 2016. Outside of his advisory work, he runs the Ryan Nielsen Triathlon Blog, where he writes about triathlon topics. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach with portfolios constructed mostly from Vanguard funds and ETFs, supported by a large team managing hundreds of thousands of client relationships.

Kevin Jonson is a financial advisor at Vanguard Advisers with 12 years of industry experience. He holds Series 63 and Series 66 designations and has been with Vanguard Advisers since 2019. Prior to this, he worked at Chocolate Enrapture from 2013 to 2017. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Personal Advisor services, serving retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach using proprietary methodologies and primarily invests in Vanguard funds and ETFs with various customization options.

Maura Gill is a financial advisor with Morgan Stanley in Scottsdale, AZ, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and analysis to support client financial plans.

Mario Savoie is a financial advisor at Ameriprise with 20 years of industry experience. He holds the ChFC® designation and Series 63 and 66 licenses. His prior roles include positions at Thrivent Financial, LPL Financial, BMO Harris Financial Advisors, Fidelity Investments, and Td Ameritrade. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Robert Burghart is a financial advisor with Raymond James & Associates in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Raymond James since 2015 and affiliated with FINRA since 2016. Outside of advising, he serves as a non-public arbitrator for FINRA's dispute resolution process. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing a range of portfolio management styles supplemented by firm research and affiliated sub-advisers.

Katherine Udy is a financial advisor with Edward Jones, holding Series 63 and Series 66 licenses and having 20 years of industry experience. She has been with Edward Jones since 2005. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,700 financial advisors and offers a range of investment solutions including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Stacy Morton is a financial advisor at Morgan Stanley with 24 years of industry experience. She has worked at Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2023. Morton holds Series 63 and Series 66 licenses and is based in Scottsdale, AZ. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients through a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by advanced modeling tools.

Cheyenne Armstrong is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. Her prior roles include positions at Cetera, Wilde Wealth Management Group, OSAIC, and Netzel Financial. In addition to her advisory work, she is commissioned as a notary. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides financial planning, advisory programs, and brokerage services with discretionary and non-discretionary management options supported by proprietary and third-party research.

Victor Munoz is a financial advisor with OSAIC in Scottsdale, AZ, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. He has worked at Royal Alliance Associates, Inc. since 2018 and was previously employed at Sii from 2005 to 2018. OSAIC serves a diverse range of retail and institutional clients, offering integrated brokerage and advisory services through a large network of affiliated advisers and multiple advisory platforms. The firm uses a variety of asset-allocation tools and third-party services to construct and manage portfolios across a broad set of investment types, including stocks, bonds, options, mutual funds, ETFs, and alternatives.

Austin Fleet is a Wealth Management Advisor with Merrill Lynch Wealth Management. He holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Austin focuses on helping families, individuals, and business owners achieve their financial goals through a customized wealth management process. Prior to his advisory career, Austin played professional baseball with the San Francisco Giants Organization for seven years. His experience in athletics informs his work with athletes and entertainers, a client focus area complemented by his SE-AWMA designation. Austin's expertise spans family wealth management strategies, personal retirement planning, small business strategies, women and wealth, sports and entertainment, tax minimization, and retirement income. He earned his Bachelor's Degree from Coastal Carolina University and is actively involved in professional and community organizations including the Arizona Council on Economic Education, the Coastal Carolina University Alumni Association, The Miracle League, and St. Mary's Food Bank. Outside of work, Austin enjoys participating in baseball, basketball, football, golfing, hiking, skiing, tennis, yoga, traveling, and spending time with his family.

Michael Bristoll is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 designations and bringing 15 years of industry experience. He has worked at The Vanguard Group, Inc. since 2014. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Personal Advisor services, serving retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with proprietary methodologies and offers portfolios predominantly composed of Vanguard funds and ETFs.

Joseph Mcmanus is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding a Series 66 designation and nine years of industry experience. His prior work includes roles at Bank of the West and Bank of America, as well as ongoing service in the Arizona Army National Guard. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm’s investment approach is goal-based and algorithm-driven, utilizing proprietary models and largely Vanguard funds and ETFs, with a focus on scalable digital delivery and tax-aware portfolio features.

Adrianna Salazar is a Financial Consultant at Fidelity Investments, a role she has held since 2023. She joined Fidelity in 2020 and has progressed through roles as a Financial Representative and an Investment Consultant before her current position. Her work focuses on providing clients with tailored financial planning and investment strategies, aiming to align their unique circumstances and goals with personalized solutions. Adrianna holds a California Insurance License, supporting her ability to offer comprehensive financial services. Further details about her education, credentials beyond her insurance license, personal interests, or community involvement have not been provided.

Devesh Patel is a financial advisor at Vanguard Advisers with 15 years of industry experience. He holds the Series 63 and Series 66 designations and has worked with Vanguard marketing Corporation and The Vanguard Group, Inc. since 2010. Outside of his advisory role, he is an owner of Ek Bar Q LLC, a business involved in rental properties. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, using a goal-based, algorithm-driven approach to construct portfolios primarily from Vanguard funds and ETFs. The firm manages a large client base through a combination of digital delivery and advisor teams.

Mark Orzabal Jr. is a financial advisor with Edward Jones in Peoria, AZ, holding a Series 66 designation and five years of industry experience. Prior to joining Edward Jones in 2021, he worked at Amazon for five years. Outside of his advisory role, he is a partner in a real estate investment holding company. Edward Jones is a full-service wealth management firm serving a broad client base, including individuals, institutions, and charitable organizations, and is known for its extensive network of advisors and comprehensive investment solutions.

Hannah Brown is a financial advisor with LPL Financial in Scottsdale, AZ, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. She has worked with LPL Financial since 2021 and previously was involved with YWCA professional advisory and young women's forum committees. Outside of financial advising, she serves as a substitute group fitness instructor at Mountainside Fitness. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions. The firm offers various advisory programs, financial planning, and brokerage services supported by research and third-party subadvisors, providing both discretionary and non-discretionary management options.

Eric Oppenborn is a financial advisor at J.P. Morgan Securities with four years of industry experience. He previously worked at The Vanguard Group and has a background that includes roles in mortgage lending and legal support. Oppenborn holds Series 63 and Series 66 licenses. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Patricia Jenkins is a financial advisor at Raymond James & Associates with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at City National Bank, RBC Capital Markets, Farm Bureau Financial Services, and National Bank of Arizona. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services through a variety of portfolio management styles and affiliated research.

Matthew Wright is a CFP® with 11 years of industry experience, currently serving as a financial advisor at Vanguard Advisers in Scottsdale, AZ. He has been with Vanguard since 2015, including roles at Vanguard Marketing Corporation and The Vanguard Group, and was self-employed for two years. 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 featuring proprietary glide-path methodology and portfolios primarily constructed from Vanguard funds and ETFs.