Michael Riccio is a financial advisor with Charles Schwab & Co., Inc. based in Phoenix, AZ, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. He has been with Charles Schwab since 2008. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a mix of non-discretionary and discretionary investment guidance using multi-asset model portfolios and maintains a large-scale, integrated structure that supports extensive client coverage and centralized operations.

Ryan Barton is a financial advisor at Fidelity with 21 years of industry experience. He holds Series 63 and Series 65 licenses. His career includes roles at Wells Fargo Investments and Fidelity entities since 2010. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs. The firm also serves as a commodity pool operator and offers advisory services to multiple registered investment companies.

James Edwards is a financial advisor at Charles Schwab with 32 years of industry experience. He has held Series 63 and Series 66 licenses and has been with Charles Schwab since 1997. Based in Phoenix, AZ, Edwards has spent nearly his entire career at the firm. 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 combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and a formal process for alternative investments.

Dawn Thorpe is a financial advisor at Morgan Stanley with 18 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009 and holds a Series 66 designation. Morgan Stanley Wealth Management provides a wide 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 employs a structured planning process using firm-approved tools and modeling techniques.

Dan Kauffman is a financial advisor at Merrill with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill Lynch, Pierce, Fenner & Smith Inc since 2001. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Bethel is a CFP®-designated financial advisor with Edward Jones in Glendale, AZ, where he has worked since 1994, bringing 31 years of industry experience. In addition to his advisory role, he is a writer who creates and sells screenplays and novels. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a wide range of advisory programs and investment solutions supported by a large national network of advisors and branch offices.

Maxwell Drexler is a financial advisor with Wells Fargo Clearing in Phoenix, AZ, holding a Series 66 designation and six years of industry experience. His prior roles include positions at CorePath Wealth Partners, Morgan Stanley, Charles Schwab, and Grand Canyon University. Outside of his advisory work, he serves as a goalkeeper coach for Brophy Men's Soccer. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering investment advice grounded in modern portfolio theory and tailored to plan objectives. The firm includes a broad range of financial products in its investment menus and acts as an ERISA fiduciary when providing investment advice.

Zachary Kock is a financial advisor with Cetera, holding a Series 66 designation and beginning his industry experience in 2025. He has worked at multiple entities within the Cetera network and serves as a financial advisor at Renaissance Financial. Outside of his advisory role, he is the director of club development for the Grand Canyon University Financial Planning Club, where he helps organize events to support student career success. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a network of independent advisors and utilizes a multi-manager platform with a range of program options and affiliated product offerings.

Tracie Wendt is a financial advisor with Merrill in Phoenix, AZ, holding a Series 66 credential and 11 years of industry experience. She has been with Merrill since 1997 and continues to work within the firm. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Cooper Langston is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and five years of industry experience. He has worked at Cetera Wealth Services, Renaissance Financial, and Minnesota Life Insurance Company. Outside of finance, he assists with events and art installations for his family’s Grace Renee Gallery. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management, financial planning, and advisory services through a large network of independent advisors and multiple program structures.

Darren Monroe is a financial advisor at OSAIC with 26 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at Securities America Advisors and Midfirst Bank. Outside of his advisory role, he is involved in life insurance sales. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with an emphasis on model-based asset allocation and portfolio optimization through various programs and third-party manager options.

Angelo Mc Cartney is a financial advisor at Charles Schwab with 12 years of industry experience. He holds a Series 66 designation and has worked with Charles Schwab and affiliate banks since 2019, following eight years at Bank of America and Merrill. Charles Schwab 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 centralized supervisory and custody arrangements.

Thomas Mertensmeyer is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 37 years of industry experience. His career includes roles at Cetera Wealth Services, LLC since 2013 and Senior Financial Benefits from 2024 to 2026. Outside of advisory work, he serves as president of a homeowners association and works as a real estate agent, in addition to assisting older clients in finding affordable independent or assisted living facilities. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers diverse portfolio management and retirement services, with multiple program structures and access to third-party managers across discretionary and non-discretionary platforms.

Joyce Smith is a financial advisor at Wells Fargo Clearing with 30 years of industry experience. She holds the Series 63 designation and has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by extensive research and analytics.

Randy Morgan is a financial advisor at Fidelity with eight years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Morgan Stanley and The Vanguard Group. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, using a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary advisory services and is noted for its use of systematic methodologies and formal advisory roles for multiple registered investment companies.

Nathaniel Hunter is a Series 66 licensed financial advisor with Charles Schwab in Phoenix, AZ, and has six years of industry experience. His background includes roles at Charles Schwab and Charles Schwab Bank, as well as positions at Grand Canyon University, Daktronics, and Northern Arizona University. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients 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, using multi-asset model portfolios and a centralized operational structure.

Terry Toman is a financial advisor at LPL Financial with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Cadaret Grant & Co., Inc., Woodbury Financial Services, and National Planning Corporation. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by a network of over 22,000 investment adviser representatives.

Paul Farabaugh is a Series 66 licensed financial advisor with Morgan Stanley in Phoenix, AZ, bringing 18 years of industry experience. He previously worked at Merrill for 16 years before joining Morgan Stanley Smith Barney LLC in 2023. Outside of his advisory role, he serves as a managing member and general partner of Crescent Ventures Holdings, LLC, which is involved in investment activities including real estate ownership. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning services supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers a range of investment solutions alongside its planning services.

Callie Jones is a financial advisor at UBS Financial Services with four years of industry experience. She holds Series 65 and Series 63 licenses. Prior to joining UBS in 2025, she worked at Stifel for five years. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client solutions.

John Conklin is a financial advisor at Charles Schwab with six years of industry experience and holds a Series 66 designation. His career includes roles at JPMorgan Chase Bank, J.P. Morgan Securities, eToro, and Equitable Advisors. He is based in Phoenix, Arizona. 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 both non-discretionary and discretionary investment guidance using multi-asset model portfolios and has a distinctive integrated structure combining advisory, brokerage, custody, and cash-sweep services.