Penelope Abad is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 credentials and 18 years of industry experience. She has been with The Vanguard Group since 2008. Vanguard Advisers provides both 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 methodologies and Vanguard funds to construct personalized portfolios with various customization options.

Mitchell Stillman is a financial advisor at Wells Fargo Clearing with 44 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. He serves as a committee member for the JNF Real Estate and Finance Group in Phoenix, providing feedback and attending meetings. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Tinika Mills is a Series 66-licensed financial advisor at Vanguard Advisers in Scottsdale, AZ, with five years of industry experience. She has been with The Vanguard Group since 2018 and worked at Amazon and the Phoenix Union High School District earlier in her career. 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 that incorporates Vanguard funds and ETFs with a range of customization options.

Hector Nava Castanon is a financial advisor at Vanguard Advisers with six years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Lincoln Financial Advisors, MissionSquare Investment Services, and CUNA Mutual Group. 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 portfolios primarily constructed from Vanguard funds and ETFs, offering a variety of customization options and serving a large number of clients through a combination of digital platforms and advisor support.

Mark Breiling is a CFP® with 16 years of experience, currently serving as a financial advisor at Vanguard Advisers since 2019. He is also the owner of Mark Breiling Photography, LLC, a non-investment business venture. Vanguard Advisers provides 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 portfolios constructed mostly from Vanguard funds and ETFs, supported by a large advisor team and scalable digital platform.

David Birrell is a financial advisor with LPL Financial in Scottsdale, AZ, holding the Series 63 and Series 65 designations and possessing 25 years of industry experience. Prior to joining LPL Financial in 2025, he worked at BFC Planning, Inc. for nine years and Berthel Fisher & Company Financial Services, Inc. for 15 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm provides various advisory programs, retirement plan consulting, and brokerage services, with both discretionary and non-discretionary management options supported by model portfolios and research.

Keegan Mc Carville is a financial advisor at Vanguard Advisers with four years of industry experience. He holds a Series 66 designation and is based in Scottsdale, AZ. Outside of his advisory role, he owns and operates The Christmas Light Guy LLC, a Christmas light installation business. 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 investment approach using proprietary models and offers portfolios constructed mainly from Vanguard funds and ETFs, along with various tax-aware and customization features.

Bruce Munster is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 27 years of industry experience. He previously worked at Bank of America and Merrill for a decade. Munster serves as a general partner or managing member in several private investment partnerships and LLCs, and he is a board member of Pinnacle Forum America, which supports leadership development through confidential forums. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm leverages extensive research and analytics and offers both brokerage and advisory solutions across a large network of financial professionals.

Antonio Escobedo is a financial advisor with OSAIC, holding a Series 66 designation and four years of industry experience. His prior work includes roles at Royal Alliance Associates and Thrivent Financial. OSAIC serves a diverse range of retail and institutional clients, offering integrated brokerage and advisory services, financial planning, retirement plan consulting, and access to multiple advisory platforms. The firm utilizes asset-allocation tools and various portfolio management techniques, supporting both discretionary and non-discretionary accounts across a wide spectrum of investment products.

Grant Williams is a financial advisor with Raymond James Financial Services Advisors, Inc. in Scottsdale, AZ, holding Series 63 and Series 65 credentials and bringing 17 years of industry experience. He has previously worked at BBVA Wealth Solutions and related BBVA entities. Williams is also associated with Pinnacle Bank Investment Services as a financial advisor. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm emphasizes non-discretionary financial planning and investment consulting, collaborating with clients to develop tailored strategies supported by extensive research and a broad affiliate network.

Hal Gilbert is a financial advisor with OSAIC in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Royal Alliance Associates, Inc. since 2004. Osaic Wealth, Inc. serves a range of retail and institutional clients through a large network of affiliated advisers, providing integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs firm-provided asset-allocation tools and supports multiple platforms and managed-account solutions.

Joshua Beams is a financial advisor with Charles Schwab in Cave Creek, AZ, holding a Series 66 designation and 19 years of industry experience. He has been with Charles Schwab since 2014, including a role at Charles Schwab Bank SSB from 2014 to 2022. Charles Schwab & Co., Inc. serves a large client base, 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, supported by a multi-asset model portfolio approach and centralized operational structure.

Brittany Frost is a financial advisor at Vanguard Advisers with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has been with The Vanguard Group since 2015. Vanguard Advisers offers 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 to create personalized portfolios largely composed of Vanguard funds and ETFs.

Mark Schneider is a CFP®-designated financial advisor with 27 years of industry experience, currently affiliated with Osaic Wealth, Inc. He has held roles at several firms, including Securities America, Inc. and Northwestern Mutual Wealth Management Company. Outside of his advisory work, Schneider volunteers with special needs sports activities, assisting coaches during games. Osaic Wealth, Inc. serves a diverse client base, including individual and institutional investors, offering integrated brokerage, advisory, and financial planning services through a broad network of affiliated advisors and multiple platforms. The firm employs advanced asset-allocation tools and supports both discretionary and non-discretionary account management, with access to third-party money managers and wrap programs.

Jordan Smith is a CFP® with 12 years of industry experience currently serving at Vanguard Advisers. He has been with The Vanguard Group, Inc. since 2014 and was self-employed from 2018 to 2021. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach, constructing portfolios primarily from Vanguard funds and ETFs with various tax-aware features and customization options.

Evan Adams is a financial advisor at Vanguard Advisers with 20 years of industry experience. He holds Series 63 and Series 66 credentials. Adams has worked at multiple firms, including an 18-year tenure at 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 employs a goal-based, algorithm-driven investment approach using proprietary methodologies to set personalized asset allocations, primarily utilizing Vanguard funds and ETFs.

Nico La Barbera is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and eight years of industry experience. He has worked at The Vanguard Group, Inc. since 2018 and is the owner of LaVerve, LLC, a small business specializing in baking and selling Italian cookies, reselling items on Poshmark, and creating TikTok content about word etymology. 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 with portfolios constructed largely from Vanguard funds and ETFs. The firm manages a large number of client relationships through a combined digital platform and advisor team model.

Matthew Bragg is a financial advisor at OSAIC with 17 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Securities America, Inc. for 11 years before joining OSAIC. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm uses various asset-allocation tools and supports both discretionary and non-discretionary account management across multiple investment types.

Christopher Bennett is a CFP® professional with 24 years of experience in the financial industry. He has worked at Vanguard Advisers since 2017 and is based in Scottsdale, AZ. Prior to joining Vanguard, he was not employed for one year between 2016 and 2017. 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 approach to portfolio construction, employing proprietary models and offering a wide range of customization options.

Michael Wagner is a financial advisor with Robert W. Baird & Co. in Phoenix, AZ, holding Series 63 and Series 66 licenses and possessing 23 years of industry experience. He has been with Robert W. Baird since 2007. Outside of his advisory role, he is a property owner. He is part of The DDK Group within Robert W. Baird’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services, utilizing a range of investment strategies including discretionary management and separately managed accounts.