Nicholas Harper is a financial advisor with Schwab Wealth Advisory Inc. in Phoenix, AZ. He holds Series 63 and Series 65 licenses and has 25 years of experience in the industry. His prior work includes roles at Bank of America, Merrill, and Cetera. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning for clients enrolled in the Schwab Wealth Advisory program or referred by Charles Schwab & Co. The firm uses proprietary asset-allocation models and research tools to tailor investment recommendations without exercising discretionary trading authority.

James Blaine is a financial advisor with Schwab Wealth Advisory Inc. in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. His career includes roles at Charles Schwab, TD Ameritrade, and Charles Schwab Bank. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using standard asset-allocation models and internal research tools while requiring client authorization for trades.

Lisa Mc Clelland is a Series 66-licensed financial advisor at Principal Financial Services with seven years of industry experience. Her prior work includes roles at Nationwide Insurance, Thrivent Financial, and NASCAR event staff. Outside of financial services, she has participated in skincare product testing studies. Principal Securities provides brokerage and registered investment advisory services to a diverse client base including individual investors, retirement plans, trusts, and corporations. The firm offers direct advisory programs, financial planning, and access to third-party money manager solutions under various advisory and promoter arrangements.

Jeffrey Frisch is a CFP® with 43 years of industry experience, currently serving as a financial advisor at Oppenheimer since 2005. He holds Series 63 and Series 65 licenses and is based in Scottsdale, AZ. Oppenheimer is a registered investment adviser and broker-dealer offering services to individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm provides a range of programs and advisory services including equity, balanced, and fixed-income portfolios through both discretionary and non-discretionary management.

Samantha Isherwood is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 credentials and three years of industry experience. She has worked at Schwab Wealth Advisory and Charles Schwab since 2022 and has prior experience in corporate and educational settings. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm uses standardized asset-allocation models and internal research tools to tailor investment recommendations, with trades executed only upon client authorization.

Jeffrey Romero is a financial advisor with Stratos Wealth Partners, Ltd. He holds Series 63 and Series 65 licenses and has 35 years of industry experience. His prior work includes positions at LPL Financial, Wells Fargo Clearing, UBS Financial Services, and Citigroup Global Markets. He serves on the board of the New Mexico Philharmonic, a nonprofit organization. Stratos Wealth Partners is an SEC-registered enterprise adviser with approximately 379 advisors and $18.6 billion in assets under management. The firm serves a diverse client base including individuals, retirement plans, corporations, nonprofits, and institutional clients, offering a range of customized investment management and financial planning services through an open-architecture platform.

Eric Holt is a CFA charterholder with 14 years of experience in the financial industry. He is currently with Cerity Partners LLC and has previously worked at firms including The Milestone Group, Inc., SRS Capital Advisors, Inc., and AllianceBernstein L.P. based in Scottsdale, AZ. Cerity Partners advises a diverse client base ranging from high-net-worth individuals and families to institutional investors, providing customized wealth management services that include investment management, financial planning, and retirement plan consulting. The firm employs a client-specific investment framework that combines quantitative screening, manager selection, and access to alternative and private market solutions.

Samuel Goddard is a CFP®, CFA®, and holds a Series 66 license with six years of industry experience. He is currently a financial advisor at Schwab Wealth Advisory and previously worked at Morgan Stanley and Voya. Outside of finance, he has experience working at Colorado College and in the hospitality industry. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients. The firm uses Charles Schwab & Co.’s asset-allocation models and research tools to tailor recommendations to clients’ goals and risk tolerance without exercising discretionary trading authority.

Brianna Steffes is a financial advisor with Principal Financial Services in Glendale, Arizona, holding Series 63 and Series 65 licenses and three years of industry experience. Her work history includes roles at Cruz Financial Group, Principal Life Insurance Company, and The Prudential Insurance Company of America. She serves as Vice Chair of the Area Agency on Aging, supporting the board's leadership and fiduciary responsibilities. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, and charitable organizations. The firm offers financial planning, retirement plan consulting, and access to third-party money manager programs, delivering investment solutions through advisory and promoter arrangements.

Andrew Porter is a CFP® certificant with 19 years of industry experience. He has worked at Schwab Wealth Advisory, Inc. since 2025 and has a background at Charles Schwab & Co., Inc. dating back to 2016, including prior roles at Schwab Private Client Investment Advisory, Inc. and Vanguard Advisers. He is based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program. The firm’s guidance, based on Schwab’s asset-allocation models and research tools, includes recommendations on mutual funds, ETFs, SMAs, and alternative investments, with client authorization required for trades.

Christopher Thomas is a financial advisor at AE Wealth Management, LLC with one year of industry experience. He holds a Series 65 designation and has worked previously at Dare To Retire U and Hybrid Retirement Solutions LLC DBA Oxford Retirement & Estate Planning. Outside of advisory roles, he teaches classes through Dare To Retire U. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a platform-centered approach with model portfolio solutions, discretionary asset management, financial planning, and plan services, supporting a high client load per advisor and a complex affiliate structure.

Abe Bochner is a CFP® professional with 38 years of industry experience, currently affiliated with UNITED PLANNERS' FINANCIAL SERVICES of AMERICA as a Limited Partner. He has worked as an independent insurance agent since 1999 and has been associated with United Planners Financial Services for the same period. Bochner also owns a non-variable insurance business in Phoenix, AZ. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base, including individuals, retirement plans, corporations, and institutional clients. The firm administers approximately $12.77 billion in assets through a network of independent Investment Adviser Representatives and offers a combination of advisory and brokerage services with a focus on non-discretionary account management.

Kathleen Cashatt is a CFP® professional with 24 years of experience in the financial services industry. She currently works at Schwab Wealth Advisory, Inc. and has held prior roles at Charles Schwab & Co., Schwab Private Client Investment Advisory, USAA Financial Planning Services, and Merrill. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, using asset-allocation models and internal research tools to tailor recommendations to clients’ goals and risk tolerance.

Andrew Cocchia is a CFP® professional with 22 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. He previously worked at THE Vanguard Group, Inc. for 18 years before joining Schwab in 2022. He holds Series 63 and Series 66 licenses and is based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program. The firm utilizes Charles Schwab’s asset-allocation models and internal research tools to deliver personalized guidance on investment selection and wealth management, with trades executed only upon client authorization.

Michael Kneip is a financial advisor with United Planners Financial Services of America, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. His prior roles include positions at Allstate Insurance Company and Allstate Distributors LLC. He also maintains a life insurance license in Buckeye, Arizona. United Planners Financial Services serves a diverse client base, including individuals, corporations, charitable organizations, and institutional clients such as sovereign wealth funds. The firm offers financial planning, portfolio management, retirement plan services, and brokerage solutions through an open-architecture platform that supports both fee-based and commission-based options.

Jesus Soto is a financial advisor with United Planners Financial Services of America, holding a Series 66 designation and over 27 years of industry experience. His prior firms include Cambridge Investment Research Advisors, Silverstone Private Wealth LLC, and Retirement Consultants. In addition to his advisory work, he is an independent insurance agent through De Soto & Company. United Planners Financial Services is a national wealth-management enterprise serving a broad client base with advisory and brokerage services. The firm’s structure as a limited partnership includes approximately 364 advisors managing about $12.77 billion in assets, primarily on a non-discretionary basis.

Rune Nordhagen is a financial advisor at Schwab Wealth Advisory with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Charles Schwab & Co., Inc. since 2007, with previous experience at Guardian Life. Outside of finance, he has business experience in operating laundromats. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s approach includes guidance on asset allocation and investment selection based on proprietary models and research, with client authorization required for all trades.

Timothy Kee is a CFP® professional with 28 years of industry experience, currently serving at Schwab Wealth Advisory. He has a longstanding career with Charles Schwab, including roles at Schwab Private Client Investment Advisory and Schwab Wealth Advisory. Based in Phoenix, AZ, Kee holds Series 63 and Series 65 licenses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and select referrals, utilizing Charles Schwab & Co.’s asset-allocation models and internal research tools. The firm focuses on tailored recommendations with at-least-annual reviews and emphasizes client authorization for all trades.

Hillary Bouthillier is a financial advisor at OSAIC Institutions, Inc. with 14 years of industry experience. She holds Series 63 and Series 65 credentials and has previously worked at Ameriprise Financial Services, Inc. and Finemark Bank. OSAIC Institutions, Inc. serves individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating with a hybrid adviser/broker-dealer structure and a model that delegates investment management to its representatives while maintaining firm supervision.

Karlie Achenbach is a financial advisor at Beacon Pointe Advisors, LLC with one year of industry experience. She holds a Series 65 designation and has prior work experience outside finance, including roles in education and hospitality. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse range of individual and institutional clients, employing a manager-focused investment approach with both active and passive strategies.