Kathryn Riel is a financial advisor at Cetera with eight years of industry experience. She holds a Series 66 designation and has worked with Renaissance Financial and Minnesota Life, among others. She serves as a director for two nonprofit organizations, We're MOVING FORWARD!, which supports individuals affected by brain injury, and EPWNG, a women's networking group. Cetera Investment Advisers LLC is a nationwide SEC-registered firm that serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts, offering a range of portfolio management and consulting services through a multi-manager platform.

Johnna Malik is a financial advisor at Charles Schwab with 26 years of industry experience. She has been with Charles Schwab since 2005 and holds Series 63 and Series 66 designations. 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 integrated brokerage, custody, and advisory services with a client relationship model that combines non-discretionary advice and access to discretionary separately managed accounts.

Mitchell Eich is a CFP®-designated financial advisor with Charles Schwab in Phoenix, AZ, and has 10 years of industry experience. He has been with Charles Schwab since 2014. 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 and discretionary investment guidance using multi-asset model portfolios and provides integrated brokerage, custody, and advisory services.

Christopher Collins is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 credential and 19 years of industry experience. His prior roles include positions at USAA Financial Advisors Inc., USAA Financial Planning Services, USAA Investment Services Company, and USAA Life Insurance Company. Collins has been with Charles Schwab and Charles Schwab Bank SSB since 2022. 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 offers multi-asset model portfolios supported by extensive research and due diligence.

Curtis Levalley is a Certified Financial Planner (CFP®) with over 33 years of experience in the financial services industry. He has worked with firms including Osaic Wealth, Inc., LeValley Wealth Management, Signator Investors, Transamerica Financial Advisors, and Wells Fargo. Levalley operates his own wealth management and insurance brokerage sole proprietorships. He also serves as financial and healthcare power of attorney, as well as backup trustee, for a family member. Levalley is affiliated with Osaic Wealth, a large multi-advisor platform that serves a diverse client base including retail investors, retirement plans, charities, and corporations. The firm offers brokerage and advisory services with a model-based investment process emphasizing asset allocation, portfolio optimization, and access to third-party and proprietary investment strategies.

Donald Swanson is a financial advisor with Mass Mutual Investors Services in Phoenix, AZ, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 39 years of industry experience, including 21 years at Thrivent Financial for Lutherans and Thrivent Investment Management. Outside of financial advising, he is president of a real estate company, Kirby Properties LLC. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm emphasizes collaborative, annual financial planning engagements using firm-approved analytical tools and provides a range of investment programs and educational seminars.

Kyle Backus is a financial advisor with Morgan Stanley in Phoenix, AZ, holding a Series 66 designation and 16 years of industry experience. He has been with Morgan Stanley Smith Barney since 2011 and with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is a managing member of Millenial Monopoly L.L.C., an investment holding company. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning using firm-approved tools and strategies.

Spencer Van Den Broeke is a financial advisor at Cetera with one year of industry experience. He holds a Series 66 credential and has previously worked at Renaissance Financial and various other firms in non-financial roles. He is also associated with Renaissance Financial Corporation as a financial advisor. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutions. The firm offers portfolio management, financial planning, and retirement services through a large network of independent advisors using a multi-manager platform with discretionary and non-discretionary program options.

Aaron Adams is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 65 and Series 63 licenses and having 12 years of industry experience. Before joining Charles Schwab in 2020, he worked at USAA Investment Management Company and related USAA financial planning and advisory entities from 2014 to 2020. Outside of his advisory role, he is involved in managing rental properties. Charles Schwab & Co., Inc. serves a large client base primarily made up of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed accounts. The firm provides a combination of non-discretionary and discretionary investment guidance supported by strategic asset allocation models and centralized operational services.

Abram Fabela is a financial advisor at Fidelity with a Series 66 designation and four years of industry experience. His work history includes roles at Morgan Stanley, JP Morgan Securities, LPL Financial, and Fidelity Investments. Outside of advisory services, he has worked as an Uber driver in Phoenix, Arizona. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios. The firm also serves as a registered commodity pool operator and advises multiple registered investment companies and fund-of-funds.

Todd Polley is a financial advisor at Edward Jones with four years of industry experience. He holds a Series 66 designation and has held positions at several companies prior to joining Edward Jones, including Owlet, Weave, Podium, and Blue Raven Solar. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors, offering a range of discretionary and non-discretionary investment strategies and affiliated financial services.

Deron Florey is a CFP® professional with 30 years of industry experience, currently serving as an advisor at Cetera. He previously worked at Charles Schwab and Schwab Private Client Investment Advisory, Inc. for over a decade. He is also the owner of Florey Capital Management LLC. Cetera Investment Advisers LLC is a large SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supported by a nationwide network of over 10,000 advisors.

Traci Marchi is a financial advisor with Morgan Stanley in Phoenix, AZ, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

Jeffery Carlson is a financial advisor at Charles Schwab with 30 years of industry experience. He has been with Charles Schwab since 2005 and holds Series 63 and Series 66 credentials. 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 and discretionary investment solutions supported by centralized custody and a formal alternative-investment placement process.

Thomas Joyce is a financial advisor at Osaic Wealth with 50 years of industry experience. He holds the ChFC® and Series 63 designations. Prior to joining Osaic in 2023, he worked for FSC Securities Corporation for 38 years and has also operated Coordinated Financial Services Ltd. since 1985. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based investment process focused on asset allocation and portfolio optimization, delivering strategies via discretionary and advisor-managed options alongside third-party money managers.

Taylor Jeffers is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2018, including work with Morgan Stanley Private Bank, N.A. outside the advisory role, as well as prior experience in the retail and electrical industries. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer providing advisory services and financial planning to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured planning tools and modeling techniques but does not provide individual security recommendations as part of its standalone planning services.

Jeffrey Sokol is a financial advisor with Charles Schwab & Co., Inc. in Phoenix, AZ, holding Series 63 and Series 66 designations and with eight years of industry experience. He has been with Charles Schwab since 2017. Prior to his advisory role, he worked as a caddie master for one year. 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 affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by research and due diligence on alternative investments.

Elijah Gallardi is a financial advisor with LPL Financial in Glendale, AZ, holding Series 63 and Series 66 licenses and having seven years of industry experience. His prior roles include positions at Schwab Wealth Advisory, The Vanguard Group, and Fullerton Financial Planning. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning and a variety of investment management programs delivered through a large network of advisers, utilizing model portfolios, third-party subadvisors, and customized strategies.

Wesley Hopkins is a financial advisor with Robert Baird & Co. in Phoenix, AZ, holding a Series 66 credential and three years of industry experience. His prior roles include positions at Raymond James and CDW. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management department, which serves a range of clients including individuals, corporate and business clients, pensions, and charitable organizations. The firm offers financial planning, portfolio management, separately managed account programs, and brokerage services, with resources including internal research and the use of artificial intelligence in client advice.

Erik Gonzalez is a financial advisor at Fidelity with seven years of industry experience. He holds a Series 66 designation and has worked at Fidelity Investments since 2021, following prior roles at The Vanguard Group and in academia at Texas Tech University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios built from a broad investable universe.