Carl Forstrom is a financial advisor with Charles Schwab & Co., Inc. He holds Series 66 and Series 63 licenses and has two years of industry experience. Prior to joining Schwab, he worked at Amazon for three years. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

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.

Roberto Garcia Pallares is a financial advisor at Charles Schwab with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including J.P. Morgan Securities LLC, Robinhood Financial, E*TRADE Securities LLC, and The Vanguard Group. He is based in Phoenix, AZ. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through the Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and offers a multi-asset model portfolio investment approach supported by its Schwab Center for Financial Research.

Joshua Mathews is a financial advisor with Wells Fargo Clearing in Phoenix, AZ, holding a Series 66 designation and 12 years of industry experience. He has worked at Wells Fargo Clearing Services since 2016 and previously spent two years with Edward Jones. Outside of advising, he has ownership in IPEC Coaching, LLC, a non-investment-related business, with his spouse. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm employs over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions.

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.

Hannah Phillippi is a financial advisor at Morgan Stanley in Phoenix, AZ, holding Series 63 and Series 66 licenses with one year of industry experience. Prior to joining Morgan Stanley, she worked at UWCPEG, MIT Associates, LLC, and the Arizona Commerce Authority. She is a founder and passive partner of Air Drone Assist Inc., an automotive and transportation-related business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning supported by structured discovery processes and firm-approved tools.

Genny Patterson is a financial advisor at RBC Capital Markets with 28 years of industry experience. She holds the Series 66 designation and has been with RBC Capital Markets since 2015. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, supported by RBC’s capital-markets and affiliated asset management capabilities.

Addison Perlmutter is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and less than one year of industry experience. Prior to joining Schwab, Addison worked at Adrenaline Gymnastics for three years. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management alongside brokerage, custody, and financial planning services. The firm utilizes multi-asset model portfolios and provides centralized supervisory and operational support across its extensive client base.

Ashley Rios is a financial advisor at Edward Jones with three years of industry experience. Prior to joining Edward Jones in 2023, she worked in the mortgage industry for several years with firms including Fairway Independent Mortgage, Prime Lending, and Caliber Home Loans. She holds a Series 66 designation. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans and charitable organizations. The firm offers a range of advisory strategies and affiliated investment products, managing approximately $1.01 trillion in assets through a large network of financial advisors and branch offices nationwide.

Cameron Peters is a financial advisor with Cetera who holds Series 63 and Series 66 designations and has 26 years of industry experience. He has worked at Cetera Investment Advisors LLC and Cetera Investment Services LLC since 2026, and previously was with Equitable Advisors LLC and Wells Fargo Clearing. Peters is also a member of Signature Wealth Concepts. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform with various program options and custodial relationships.

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.

Fernando Loza Morales is a financial advisor at Merrill in Phoenix, AZ, holding a Series 66 designation. He has been in the industry since 2026, with prior experience at Bank of America and a background in the hospitality sector at California Pizza Kitchen. 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 a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Lauren Bookwalter is a financial advisor at Charles Schwab with one year of industry experience. She holds the Series 66 designation and has been with Charles Schwab & Co., Inc. since 2023. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a blend of non-discretionary and discretionary investment management using multi-asset portfolios, with centralized operations that support a high client coverage per advisor.

Thomas Drogaris is a CFP® professional with 12 years of experience in the financial industry. He is currently with Charles Schwab & Co., Inc., where he has worked since 2023. His prior experience includes roles at UBS Financial Services and Fidelity. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships alongside access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment process.

Kari Elle Thalman is a financial advisor with Edward Jones, holding a Series 66 designation and bringing eight years of industry experience. She has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million clients, including individuals, institutions, and charitable organizations. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, and manages approximately $1.01 trillion in assets through a large national network of advisors and offices.

Joanna Walker is a financial advisor with LPL Financial in Goodyear, AZ, holding Series 65 and Series 63 credentials and bringing 11 years of industry experience. Her prior roles include work at GrowStrong Wealth Strategies, Guided Wealth Insurance, College Loan Freedom, and Transamerica Financial Advisors. Outside of her advisory responsibilities, she is employed at Brightmont Academy in Phoenix, AZ. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a broad network of representatives. The firm offers a variety of financial planning and asset management services, utilizing model portfolios, third-party subadvisors, and customized strategies.

Alberto Herrera is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 designations and 18 years of industry experience. He has been with Charles Schwab since 2010. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and an integrated operational structure.

Steven Perrin is a financial advisor with Charles Schwab & Co., Inc. in Phoenix, AZ, holding a Series 66 designation and seven years of industry experience. He has worked at Charles Schwab since 2018 and previously held roles at Arizona State University, Autonation Honda Chandler, and Fry's Food and Drug Stores. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, combining strategic asset allocation with access to alternative investments and integrated custody and brokerage services.

Bryce Johnson is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and two years of industry experience. His work history includes roles at Charles Schwab & Co., Inc., Medulla LLC, and Finishline. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by comprehensive resources including multi-asset model portfolios and alternative investment offerings.

Andrew Ruboyianes is a financial advisor with UBS Financial Services in Phoenix, AZ, holding a Series 66 designation and 23 years of industry experience. He has been with UBS since 2002. Outside of his advisory role, he serves on the advisory board for Dave Ramsey’s lead referral program and holds board and leadership positions with AHEPA, an organization focused on promoting Greek culture. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.