Seth Dhaenens is a financial advisor with Principal Financial Services based in Phoenix, AZ. He holds the ChFC® designation and has 17 years of industry experience. His career includes roles at Principal Life Insurance Company and Principal Securities Inc since 2023, and prior to that, he worked with Pruco Securities, LLC and Prudential Insurance Company of America for 15 years. Dhaenens is also involved in providing fixed insurance products, including life, disability, annuities, long-term care, and Medicare supplements. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm focuses on financial planning and retirement plan consulting, with access to third-party money manager asset allocation and separately managed account solutions.

Whitney Williams is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. Her prior experience includes roles at The Vanguard Group and USAA financial planning services. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients within the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations across a broad range of asset classes. The firm operates within the Schwab ecosystem and uses standard asset allocation models and Schwab research tools, with clients retaining final trading decisions.

Courtney Hicks is a financial advisor at Kestra Advisory with seven years of industry experience. She holds Series 63 and Series 66 designations and has worked at The Vanguard Group and multiple self-employed roles prior to joining Kestra. Kestra Advisory provides investment advisory and retirement-plan consulting services to institutional and individual clients, offering fiduciary consulting, plan design, investment advice, and employee education. The firm serves a broad client base, including large institutional investors, and supports a range of investment platforms and managed solutions.

Anna Kramer is a CFP® and ChFC® with 27 years of industry experience. She is currently with Schwab Wealth Advisory Inc. and Charles Schwab & Co., where she has worked since 2020. Prior to this, she held positions at USAA Investment Management Company and USAA Financial Planning Services. In addition to her financial advisory roles, she has served with the Maricopa County Elections Department since 2012. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations based on standard asset allocation models and Schwab research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, with discretionary management generally handled by affiliated or third-party money managers.

Carter Barrett is a CFP® professional with seven years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His career includes roles at Charles Schwab & Co. and Cetera, with prior experience at Merrill and Bank of America Merrill Edge. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations based on Schwab’s asset allocation models and research tools.

Teresa Schuelke is a Planning Consultant at Fidelity Investments, a role she has held since 2021. She has built a career in financial services, previously working as a Relationship Consultant, Investment Consultant, and Financial Service Advisor at Merrill between 2018 and 2021. Prior to that, Teresa served as a Financial Advisor at H. Beck Inc. from 2015 to 2017 and at Edward Jones from 2011 to 2015. Teresa focuses on providing financial education to clients, emphasizing the importance of understanding their money and how it works to help them achieve their financial goals. She fosters partnerships with clients to collaboratively create, implement, and monitor their financial plans. This approach reflects her commitment to making a difference in clients' lives. Outside of her professional work, Teresa enjoys family activities, social events with friends, movies, music, traveling, and writing.

Christopher Berkland is a CFP® professional with 40 years of industry experience. He has been with Schwab Wealth Advisory Inc. and Charles Schwab & Co., Inc. since 2015, based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using standard asset allocation models and Schwab research tools. The firm focuses on annual financial reviews and investment recommendations while leaving final trading decisions to clients.

Ghazwan Ramlawi is a financial advisor at Schwab Wealth Advisory with 33 years of industry experience. He holds Series 63 and Series 66 designations and has been affiliated with Charles Schwab and its related entities since 1994. Outside of finance, he is also involved in acting and modeling on a part-time basis. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations supported by Schwab research tools. The firm operates within the Schwab ecosystem and focuses on client-directed decisions rather than discretionary trading.

Ryan Vena is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 designations and over 12 years of industry experience. He has been with Charles Schwab and its affiliated entities since 2013 and has worked at Schwab Wealth Advisory since 2019. Outside of his advisory role, he operates a running coaching business called Humble Running. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice primarily to clients enrolled in its Schwab Wealth Advisory program, offering annual financial reviews and tailored investment recommendations using Schwab’s proprietary research and asset allocation models.

Davis Beazer is a CFP® professional with four years of industry experience, currently serving as a financial advisor at AE Wealth Management, LLC. Prior to joining AE Wealth Management, he held roles at Vanguard Marketing Corporation and The Vanguard Group. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base including individuals, corporations, trusts, and ERISA plan sponsors. The firm emphasizes model portfolio and direct asset management programs, utilizing a range of investment strategies implemented through discretionary model portfolios.

Jared Sweitzer is a CFP® professional with 23 years of experience based in Phoenix, AZ. He has worked at Commonwealth Financial Network and Camelback Retirement Planners since 2003. Outside of his advisory work, he is a 33% owner of Shycus LLC, a private entity involved in processing expenses related to his securities business. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients. The firm offers a variety of advisory programs and services, including discretionary model portfolios and customized investment solutions, while providing operational and compliance support to affiliated advisors.

Westin Cox is a financial advisor at Schwab Wealth Advisory with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Schwab Wealth Advisory since 2016. Outside of finance, he is involved in a gate fabrication business. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses Schwab’s asset allocation models and research tools to recommend investments, while clients retain final trading authority.

Tania Volk is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has been with Schwab Wealth Advisory and Charles Schwab since 2012. Outside of her advisory work, she is involved in selling protein drinks and nutritional supplements to fitness-oriented customers through a business called Life Recovery Wellness. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, focusing on a range of investment options and annual financial reviews, while allowing clients to retain final trading decisions.

Trace Udall is a CFP® with 30 years of experience in financial advisory services, currently with Kestra Advisory since 2025. He previously worked at Commonwealth Financial Network for 11 years and operated Udall Financial LLC for three decades. Outside of advisory work, he serves as managing member of BILTMORE TRAVEL LLC, a travel agency established to support personal travel needs for friends and family. Kestra Advisory provides investment advisory and retirement-plan consulting to a range of institutional and individual clients, offering services including fiduciary consulting, plan design, and employee education. The firm serves large institutional investors and employs multiple management platforms and third-party solutions within a supervised framework.

Tracy Tennant is a financial advisor at Fifth Third Securities, Inc. in Phoenix, AZ, holding Series 63 and Series 65 credentials with six years of industry experience. She has been with Fifth Third Securities since 2020 and has a longer tenure at Fifth Third Bank beginning in 2014. Fifth Third Securities serves a diverse client base including high-net-worth individuals, corporations, trusts, and retirement accounts through investment advisory and brokerage services. The firm offers multiple managed account programs on the Passageway platform, providing access to various portfolio management options and strategies.

Seth Bergquist is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. His career includes positions at USAA Financial Advisors and USAA Investment Management Company, with Schwab Wealth Advisory since 2018. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools. The firm offers annual financial reviews and investment recommendations without exercising discretionary trading authority, operating as an internal advisory unit within the Schwab ecosystem.

Alison Stine is a CFP® professional with 11 years of experience in financial advising, currently with GWN Securities Inc. She previously worked at Equitable Advisors and Axa Advisors. In addition to her advisory role, she serves as an associate board member for the Boys & Girls Club of Greater Scottsdale. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm manages approximately $3.65 billion across more than 37,000 accounts and offers a range of investment programs including SMA, UMA, and fund-strategist options on the Fidelity-supported FMAX platform.

John Pettee is a CFP® professional with 25 years of industry experience, currently serving at Schwab Wealth Advisory since 2022. He has been affiliated with Charles Schwab in various capacities since 2013. Outside of his advisory role, he is a guitarist and singer who performs musical entertainment at local restaurants and coffee houses. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations guided by Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice without discretionary trading authority and primarily serving individual clients.

Yulia Schneider is a financial advisor at Schwab Wealth Advisory with six years of industry experience. She holds the Series 63 and Series 66 designations and has worked at firms including Vanguard Advisers and Charles Schwab. Prior to her current roles, she was involved with Schneider Wealth Management and Schneider & Associate, CPAs, PC. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its program, offering services such as annual financial reviews, retirement planning, and investment recommendations. The firm operates within the Schwab ecosystem, utilizing standard asset allocation models and research tools, with clients retaining final trading decisions.

Ariyeh Waite is a financial advisor at Guardian Life with one year of industry experience. He holds a Series 66 credential and has previously worked at Pacific Advisors and Park Avenue Securities. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management and a subsidiary of The Guardian Life Insurance Company of America, provides brokerage services, financial planning, and retirement plan consulting to individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers both discretionary and non-discretionary advisory relationships and utilizes a variety of investment advisory programs and model portfolios.