Frederik Pioro is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and 21 years of industry experience. He has been with Charles Schwab since 2006 and also works with Charles Schwab Bank since 2025. Charles Schwab & Co., Inc. serves a large client base that primarily includes 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 client relationship model that is primarily non-discretionary while also providing access to discretionary separately managed accounts, supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Angel Lopez is a financial advisor at Merrill with three years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America, Liberty Mutual Insurance, and JP Morgan Chase Bank. 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.

Leslie Stephen is a financial advisor at Cetera with 17 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Voya Financial Advisors, Mass Mutual Investors Services, and Metlife Financial Services. Leslie is also involved with Rayhons Financial Solutions, LLC, an independent business focused on the sale of insurance and securities products. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options, combining model portfolios, third-party managers, and custom strategies.

Joseph Shinske III is a financial advisor with LPL Financial in Phoenix, AZ, holding Series 63, 65, and 66 licenses and bringing 30 years of industry experience. His prior roles include positions at Cuna Mutual Group, CUNA Brokerage Services, Inc., and Cetera Wealth Services, LLC. He also serves as a notary outside of his advisory work. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services, including access to model portfolios and institutional platforms, supported by technology tools for advisors.

Mark Barenbaum is a financial advisor with LPL Financial in Phoenix, AZ, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. His prior roles include sixteen years at Woodbury Financial Services and a year at OSAIC. Outside of advisory work, he owns Baum54 INC, which operates the business Mrbcruises. 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 a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered primarily by investment adviser representatives using discretionary and non-discretionary strategies.

Barry Majercin is a financial advisor with Edward Jones in Scottsdale, AZ, holding Series 63, Series 65, and Series 66 designations. He has 26 years of industry experience and has been with Edward Jones for 25 years. 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 and offers a range of discretionary and non-discretionary investment strategies, alongside affiliated mutual funds and trust services.

Brian Bjurstrom is a financial advisor at OSAIC with eight years of industry experience. He holds the Series 66 designation and previously worked at Securities America Advisors and the Maricopa County Attorney's Office. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services through a multi-advisor platform that emphasizes model-based asset allocation and portfolio optimization.

Kevin Mullen is a financial advisor with Merrill, holding a Series 66 designation and 12 years of industry experience. He has been with Merrill and its affiliate Bank of America, N.A. since 2014. Merrill, together with Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, and charitable organizations. The firm combines internal Chief Investment Office teams and third-party managers to implement tailored investment solutions.

Jonathan Pagan is a financial advisor with Morgan Stanley in Gilbert, AZ. He holds Series 63 and Series 66 licenses and has previous experience at Wells Fargo Clearing, Wells Fargo Bank, Massey Services, and four years of service in the U.S. Navy. He has been with Morgan Stanley since 2026. Morgan Stanley Wealth Management is a large SEC-registered adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm provides tailored financial planning services supported by structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Michael Lambard is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and having seven years of industry experience. His prior work includes roles at Robinhood Markets, Morgan Stanley, JP Morgan Chase, Quicken Loans, and Discover Financial. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering bundled advisory, brokerage, custody, and financial planning services with a combination of non-discretionary and discretionary investment options.

Clint Sanders is a financial advisor at Charles Schwab with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and Charles Schwab Bank since 2007 and 2008, respectively. 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 management, utilizing multi-asset model portfolios and alternative investments within an integrated, large-scale operational framework.

Matthew Kudilil is a financial advisor with J.P. Morgan Securities based in Tempe, AZ, holding Series 63 and Series 66 designations with one year of industry experience. Prior to joining J.P. Morgan Securities, he worked at Ono Management LLC, Vanguard, and Gex Capital, among other firms. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

David Monheit is a financial advisor with Cetera, holding the PFS™ designation along with Series 63 and Series 66 licenses. He has 24 years of industry experience, including prior roles at Avantax and 1st Global Advisors. Outside of his advisory work, he serves as Treasurer and board member for the Jewish Genetic Diseases Center of Greater Phoenix and is involved in managing a family partnership interest in a Miami restaurant. Cetera Investment Advisers LLC provides services to individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers various portfolio management and financial planning solutions, utilizing a multi-manager platform that includes affiliated and third-party model portfolios, and serves approximately 800,000 clients with over $256 billion in assets under management.

Matthew Willoughby is a financial advisor at Edward Jones in Tempe, AZ, holding a Series 66 designation with 10 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of advisory programs and investment strategies, supported by a large nationwide network of advisors and branch offices.

Cory Elmore is a financial advisor with Raymond James & Associates, holding a Series 66 designation and eight years of industry experience. He previously worked at John Hancock Advisers, John Hancock Funds, John Hancock, Edward Jones, and Neodent. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals—including high-net-worth clients—institutions, charitable organizations, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a wide range of portfolio management styles and affiliated research.

Joseph Williams is a financial advisor at Merrill with a Series 66 designation and nine years of experience at the firm. His prior work includes education at Glendale Community College and a role as an independent contractor bagger at Luke Air Force Base Commissary. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ian Hair is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds the Series 66 designation and previously worked at Silver Tree Wealth Partners and Raymond James. Outside of his advisory role, he has supported client services and financial product coordination in a non-investment capacity at SilverTree Wealth Partners. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The program combines quantitative and qualitative research to develop model asset allocations and incorporates broader derivatives and commodities capabilities.

Sean Horton is a financial advisor at Edward Jones with 19 years of industry experience. He has held his current position at Edward Jones since 2009. Horton holds Series 63 and Series 66 licenses. 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 and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Ryan Das is a financial advisor at Fidelity with 13 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Merrill from 2013 to 2021 before joining Fidelity. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, utilizing systematic methodologies and oversight controls.

Bryn Heemsoth is a financial advisor with Edward Jones in Tempe, AZ, holding Series 63 and Series 66 licenses with 10 years of industry experience. Prior to joining Edward Jones in 2019, Heemsoth worked at Charles Schwab Bank and Charles Schwab & Co Inc from 2015 to 2019. 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 with a nationwide network of more than 23,000 advisors, offering a range of discretionary and non-discretionary investment strategies, affiliated mutual funds, and services including tax-efficient portfolio management under a fiduciary standard.