Shea Boulware Creed is a financial advisor with RBC Capital Markets in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. Shea has been with RBC Capital Markets since 2009 and serves on the budget and investment review committee for the nonprofit community center Benavilla. Additionally, Shea participates in strategic planning for Forest Highlands Golf Club. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through in-house and third-party managers, supported by RBC’s extensive capital markets and affiliated asset management capabilities.

Keith Erickson is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 66 and Series 63 licenses and having nine years of industry experience. He has worked at Charles Schwab since 2017, including time with Charles Schwab Bank, and previously spent 15 years at Jones Lang LaSalle. 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 advisory relationships with access to discretionary separately managed accounts, using multi-asset model portfolios and centralized custody and operational support.

Matthew Pontes is a financial advisor with Cambridge Investment Research Advisors, holding a Series 65 credential and over 14 years of industry experience. His career includes roles at Cambridge Investment Research, Inc. and BDT & Associates. Outside of advising, he is an independent insurance agent and a limited partner in Amber Farms LLC, where he participates in investment recommendations alongside other partners. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension and profit-sharing plans, charitable organizations, trusts, and retirement-plan sponsors. The firm provides financial planning, investment management, and retirement plan advisory services through a network of independent professionals, offering a variety of portfolio management and model-based solutions tailored to client objectives.

Dat Pham is a financial advisor at Fidelity with five years of industry experience. He holds a Series 66 designation and has worked at Fidelity Investments since 2021. Prior to that, he was employed at Wells Fargo Bank and Wells Fargo Clearing. Outside of his advisory role, he works as an independent contractor driving for Uber. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, offering model portfolios built from mutual funds, ETFs, and ETPs.

Thomas Moran is a financial advisor at Cambridge Investment Research Advisors with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously with AXA Advisors, LLC. Moran is also involved in independent insurance brokerage through Universal Financial Consultants and operates Moran Financial Services, providing financial planning and investment advisory services. Cambridge Investment Research Advisors serves a diverse client base—including individuals, pension plans, charitable organizations, and retirement-plan sponsors—offering financial planning, investment management, and retirement advisory services through a network of independent professionals. The firm utilizes a range of proprietary and third-party investment strategies, delivered via multiple custody platforms and tailored to client objectives.

Daren Frankeberger is a Senior Financial Advisor at Merrill Lynch Wealth Management, based in the Phoenix office since 1998. He holds a bachelor's degree in Economics and Communications from Northern Illinois University. Daren’s professional credentials include the Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA) designations. With expertise in retirement and estate planning, Daren focuses on helping clients establish and pursue their long-term financial goals. His client services include college education planning, family wealth management strategies, legacy planning, and socially responsible investing, among other specialized areas. Daren resides in the Phoenix area, where he enjoys hiking, tennis, music, reading, and running with his family.

James Cook is a financial advisor at Edelman Financial Engines with 19 years of industry experience. He holds the Series 66 designation and previously worked for THE Vanguard Group, Inc. for 10 years. Outside of his advisory role, he owns Willa Dean Farms, LLC, a web-based retail business selling goat milk soap products. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and serves a large client base through advisor-led and online platforms.

Candice Jones is a financial advisor at Fidelity with eight years of industry experience. She holds Series 63 and Series 66 designations. Prior to joining Fidelity, she worked at The Vanguard Group, Inc. from 2017 to 2021. 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 uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from a universe of mutual funds, ETFs, and ETPs.

Celine French is a financial advisor at Edelman Financial Engines with two years of industry experience and holds a Series 65 designation. She has worked at Edelman Financial Engines and its predecessor firm since 2024, and previously held roles outside the financial industry, including as a realtor and positions at AGC Multi Material America and Vuori. She is currently a realtor with Omni Homes International. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven proprietary modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary investment management with an emphasis on diversified portfolios and long-term strategies.

Darren Desmond is a financial advisor at UBS Financial Services with 35 years of industry experience. He has been with UBS since 2000 and holds the Series 66 designation. Outside of his advisory role, he is connected to a small family-owned mushroom farm in Pennsylvania, although he is not involved in its operations. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and provides proprietary research and a wide range of capital markets services.

Jason Edwards is a financial advisor with Fidelity, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Thrivent Financial, Fidelity Brokerage Services LLC, and Public Square LLC. Fidelity’s Strategic Advisers LLC, where he is affiliated, provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, delegation to sub-advisers, and advisory roles to multiple registered investment companies.

Joshua Latimer is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 license and 13 years of industry experience. He has been with Charles Schwab since 2012 and also works with Charles Schwab Bank since 2025. 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 advisory relationships with access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios, formal alternative-investment due diligence, and integrated custody and order-routing services.

Amelia Garcia is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and eight years of industry experience. She has worked with Charles Schwab and Charles Schwab Bank since 2018 and 2019, respectively, following her time at Indiana University. 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 alongside alternative investment options.

Spencer Regis is a Financial Consultant at Fidelity Investments, a role he has held since 2025. He has developed his expertise through progressive positions at Fidelity, beginning as a Customer Relationship Advocate in 2021 and advancing through roles including High Net Worth Associate, Investment Solutions Representative at multiple levels, and Planning Consultant. Throughout his career at Fidelity Investments, Spencer has focused on understanding the unique financial goals of individuals and families. He collaborates closely with clients to develop personalized financial plans that reflect their specific situations and aspirations. Spencer holds insurance licenses in Arkansas and California. Outside of his professional work, he has interests in cars, movies, outdoor adventures, skiing, and traveling.

Max Dembow is a CFP® professional with 13 years of industry experience, currently serving at MassMutual Investors Services. He has been with MML Investors Services LLC and MassMutual Life Insurance Company since 2015. Outside of his advisory role, Dembow is involved in business coaching focused on continuity, succession, and exit planning, and he hosts webinars to coach financial advisors on comprehensive financial planning. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm’s approach involves collaborative annual financial planning engagements using firm-approved software and tools to analyze client goals and recommend investment strategies.

Caitlin Pollard is a financial advisor at Merrill with 15 years of experience, including 10 years in the industry. She holds a Series 66 designation and has been with Merrill since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of model-based and discretionary investment strategies supported by internal and third-party managers.

Monika Agarwal is a Financial Advisor at Merrill Lynch Wealth Management in Phoenix, Arizona. She provides customized advice across nine critical pillars of wealth, including tax minimization strategies, executive compensation, estate disposition, family governance, philanthropy, behavioral science, cyber, and personal passions and pursuits. Monika guides highly successful individuals, entrepreneurs, business owners, and senior executives in creating comprehensive wealth management plans aimed at optimizing and preserving wealth across generations. With 18 years of experience in commercial banking combined with investment management expertise, Monika focuses on areas such as pre-transaction advisory, liquidity management, asset acquisition lending, trust and estate planning, customized investment portfolios, and banking services through Bank of America. She holds the Series 7 and Series 66 FINRA registrations and the Personal Investment Advisor (PIA) designation. Monika's educational background includes a Bachelor's degree from the University of Minnesota, a Master's degree from San Francisco State University, and a High School Diploma from North High School. Monika is fluent in Hindi and English and participates in professional and community organizations including the Astia Committee, Private Directors Association, and Valley of the Sun United Way. Raised in India, she enjoys international travel, supports the arts, and values spending time with family and friends.

Chelsea Faiva is a financial advisor with Ameriprise in Mesa, AZ, holding a Series 66 designation and three years of industry experience. She has worked at Ameriprise and its related entities since 2016, and previously was with Wren & Ivory from 2015 to 2021. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets, delivering detailed, algorithm-assisted recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions typical for a large institutional provider.

Barry Harrison is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Timothy Divito is a financial advisor with Raymond James Financial in Goodyear, Arizona, holding a Series 66 designation and 15 years of industry experience. He has worked at Raymond James Financial Services Advisors, Inc. since 2017 and previously at Edward Jones from 2011 to 2017. Outside of his advisory role, he is an officer and CEO of Providence Financial Services and a part owner of TLT Partners LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, institutions, and nonprofit organizations. The firm offers tailored, non-discretionary planning and consulting supported by analytical modeling and maintains specialized services such as municipal finance advisory and SIMPLE IRA employer consulting programs.