Kevin Krestan is a CFP® professional with 43 years of industry experience, currently serving at Charles Schwab in Phoenix, AZ since 2012. He previously worked at Arizona Christian University in 2016. Outside of his advisory role, he is a Reserve Deputy Sheriff with the Maricopa County Sheriff's Office. Charles Schwab serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services, combining non-discretionary advisory relationships with access to affiliated discretionary separate managed accounts and alternative investment options.

Sarah Marson is a Senior Vice President, Senior Financial Advisor, and Portfolio Manager with Merrill Lynch Wealth Management. She is a founding member of The Hersh/Marson Group, an all-women advisory team that serves high-net-worth individuals, entrepreneurs, company founders, and families. Sarah's work focuses on helping clients navigate financial complexity with clarity, discipline, and confidence to achieve long-term financial goals. With more than a decade of experience, Sarah provides highly personalized guidance supported by the global capabilities of Merrill Lynch Wealth Management and the banking and credit resources of Bank of America and Bank of America Private Bank. She employs an intentionally consultative approach, beginning with a thorough understanding of each client's goals and circumstances before designing integrated financial strategies. Collaboration with clients' outside professionals—including estate planning, tax, and transactional advisors—is encouraged to ensure comprehensive service. Sarah holds a Bachelor of Science degree in Economics from Bridgewater State University and is a member of the Bridgewater State Alumni Association. Originally from Massachusetts, she currently resides in Arizona with her husband Louis and their three children. In her personal time, Sarah enjoys spending time with her family and watching baseball.

Carl Richardson is a financial advisor at Charles Schwab with 30 years of industry experience. He has been with Charles Schwab since 1996 and holds Series 63 and Series 66 designations. Charles Schwab & Co., Inc. serves a large client base primarily consisting 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by the Schwab Center for Financial Research.

Dipen Patel is a CFP®-designated financial advisor with UBS Financial Services in Phoenix, AZ, where he has worked for 24 years. He is also a member of the Global Chamber of Phoenix, an organization focused on promoting business activity and global trade in Arizona. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor plans according to clients' goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, offering a broad platform that includes custody, underwriting, and capital markets operations.

Nicholas Hunter is a financial advisor at Charles Schwab with 12 years of industry experience. He has held roles at USAA Investment Management Company and various USAA Financial Services entities from 2007 to 2020. Outside of his advisory work, he is a co-owner of a business engaged in financial management, tax filing, tech support, and video editing. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering a range of advisory, brokerage, custody, and financial planning services through its integrated wrap fee programs. The firm combines non-discretionary advice with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by its research and due diligence capabilities.

David Bown is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at OSAIC since 2022, with prior experience at Woodbury Financial Services, Questar Asset Management, Questar Capital Corporation, and Mass Mutual Investors Services. Outside of his advisory work, he owns Strategies for Life!, a sole proprietorship focused on producing a Christian radio show that covers Bible lessons, success strategies, and personal empowerment. OSAIC serves a diverse client base including retail and institutional investors, offering both brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization and supports various investment strategies and third-party managers across its extensive and complex affiliate network.

Anthony Kong is a financial advisor at Cetera with a Series 66 designation and 25 years of industry experience. He has worked at various firms including Avantax and PK Financial Strategies and is also the owner of Kong & Associates CPA’s. Outside of his advisory role, he serves as Vice President of PK Charities Inc., where he is involved in charitable fundraising and allocation decisions. Cetera Investment Advisers LLC is a nationwide SEC-registered advisor serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, supporting both discretionary and non-discretionary accounts through multiple program structures.

Josephine Penley is a financial advisor with Charles Schwab & Co., Inc. in Phoenix, AZ, holding a Series 66 designation and 20 years of industry experience. She has been with Charles Schwab since 2008. 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, offering both non-discretionary guidance and access to discretionary separately managed accounts.

Camille Rosen is a CFP® with seven years of industry experience, currently serving as a financial advisor at Fidelity in Glendale, AZ. Her career includes prior roles at Charles Schwab and Nordstrom, with a consistent focus on investment advisory services. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base that includes retail and institutional investors, offering discretionary and non-discretionary portfolio management alongside model portfolio construction using proprietary research and quantitative methods.

Gerald Penegor Jr. is a financial advisor at Edelman Financial Engines with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Financial Engines Advisors, L.L.C. since 2013. The firm provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. Edelman Financial Engines manages model-based and customized portfolios, offers sub-advisory services, and serves a large client base through both advisor-led and online platforms.

Mitchel Wanalista is a financial advisor at Edelman Financial Engines with two years of industry experience. He holds a Series 65 designation and has previously worked at Equitable Advisors and was involved with the Baseball Club of Seattle. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines a proprietary modeling process with planner delivery and online tools, offering diversified model portfolios, discretionary management, and a range of retirement and workplace solutions.

Mark Boykin Jr. is a financial advisor at LPL Enterprise with a Series 66 credential and two years of industry experience. Prior to his advisory career, he worked for the Mayo Clinic for 14 years. He has held roles at several firms, including Cetera and Rayhons Financial Solutions. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, employer-sponsored retirement plans, banks, and corporate and charitable entities. The firm uses a model-driven investment approach and offers financial planning, access to third-party asset managers, and participation in wrap programs.

Justin Dewane is a financial advisor at RBC Capital Markets with Series 66 and Series 63 licenses and two years of industry experience. He previously worked at The Vanguard Group and has held various roles including self-employment and involvement with organizations such as iTether Technologies and Juice Plus. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients offering discretionary and non-discretionary portfolio management, financial planning, and brokerage services. The firm employs tailored investment strategies using a combination of in-house and third-party managers and provides a range of advisory programs to meet diverse client needs.

Kevin Sutcliffe is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and 28 years of industry experience. He has worked at Schwab since 1999, including roles at Schwab Private Client Investment Advisory from 2016 and again from 2021 to 2023. 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 both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Aleksandra Karac is a financial advisor at J.P. Morgan Securities with eight years of industry experience. She holds Series 63 and Series 66 licenses and has worked with various divisions of JPMorgan Chase since 2014. 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. Their advisory approach combines quantitative and qualitative due diligence and incorporates ESG criteria within a non-discretionary program.

Brandon Sparks is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 66 designations and 28 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his financial advisory role, he serves as an assistant football coach at Phoenix Christian High School. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing goal-based analyses and written recommendations on a wide range of financial planning topics. The firm allows clients to combine planning with managed-account programs while maintaining separate services and does not manage institutional portfolios.

Kurt Finchum is a financial advisor at Edelman Financial Engines with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at The Vanguard Group and Financial Engines Advisors L.L.C. Outside of his advisory role, he is a freelance musician and bandleader. Edelman Financial Engines provides technology-enabled investment advisory services primarily focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients, managing both model-based and customized portfolios. The firm serves a large client base through advisor-led and online offerings and supports other financial institutions via sub-advisory services.

Noah Williams is a Planning Consultant at Fidelity Investments, a position he has held since 2024. He is dedicated to providing a deep and thorough planning process to cover all parts of one's financial life. Prior to his current role, Noah served as a Relationship Manager and Financial Representative at Fidelity Investments from 2023 to 2024 and 2022 to 2023, respectively. He also worked as a Client Relationship Specialist at Vanguard from 2021 to 2022. Throughout his career, Noah has gained experience in client relationship management and financial planning. His professional background reflects a focus on assisting clients with comprehensive financial strategies. Further details regarding his education, credentials, or personal interests have not been provided.

Wayne Crews is a financial advisor at Charles Schwab with a Series 66 designation and three years of industry experience. His prior work history includes roles at Wells Fargo Clearing, Wells Fargo Bank, NA, and Hilton. 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, written advice policies, and a formal alternative-investment onboarding process.

Ryan Adams is a financial advisor at Charles Schwab with five years of industry experience. He holds Series 63 and Series 66 credentials and has worked exclusively at Charles Schwab since 2019, with prior experience in other fields including roles at Discover the World London and Salty Sow. 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 combines non-discretionary and discretionary investment approaches, offering multi-asset model portfolios and access to alternative investments with centralized operational support.