Michael Molloy is a CFP® professional with 22 years of experience in financial services. He has worked at Charles Schwab and Charles Schwab Bank since 2017 and previously at USAA Financial Advisors Inc. and USAA financial planning services from 2010 to 2017. 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. The firm provides a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, supported by strategic asset allocation models and alternative investment research.

Raul Enriquez is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. His work history includes roles at Wells Fargo Bank NA and Wells Fargo Clearing Services LLC prior to joining Fidelity. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and delivery of model portfolios. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as a registered commodity pool operator with a formal advisory role to multiple registered investment companies.

Zachary Devine is a financial advisor at Edelman Financial Engines with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked in advisory roles at Edelman Financial Engines and Mercer Global Advisors. 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 modeling process combined with planner delivery and online tools, offering a range of discretionary and non-discretionary investment solutions with a focus on diversified portfolios and long-term strategies.

Shawnie Desmond is a Senior Financial Advisor at Merrill Lynch Wealth Management. She assists individuals, families, and businesses in reaching their financial goals by leveraging Merrill Lynch Wealth Management's services along with the banking convenience of Bank of America and Bank of America Private Bank services. Shawnie works closely with her clients to create personalized financial strategies aimed at establishing, growing, or transitioning their wealth. Her areas of expertise include college education planning, family wealth management strategies, LGBT wealth planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, socially responsible investing, values-based and ESG investing, as well as women and wealth. Shawnie and her team develop tailored strategies that consider specific objectives, risk tolerance, and time horizons focused on wealth accumulation, preservation, and transfer. Shawnie holds a Bachelor's Degree and a Master of Business Administration (MBA) from the University of Phoenix. She has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Beyond her professional work, she participates in various community organizations such as the Hispanic Latino Advisory Council at Merrill Lynch Wealth Management, the Hispanic Latino Business Council Bank of America/Merrill, the Junior League of Phoenix, the Native American Professional Network, and the Regional A-Team Diversity and Inclusion Team. Outside of work, Shawnie enjoys dancing, travelling, and spending time with her family, which includes her husband John and their two adult children.

Fred Drake IV is a Series 66-licensed financial advisor with Cambridge Investment Research Advisors, based in Phoenix, AZ, and has five years of industry experience. His prior work history includes roles at Grand Canyon Education and United Parcel Service, as well as experience in digital media with The Vacaville Reporter. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individual investors, retirement plans, charitable organizations, and trusts. The firm offers financial planning and investment management through a network of independent professionals, utilizing proprietary and third-party model strategies across multiple platform arrangements.

Stockton Schultz is a financial advisor at UBS Financial Services in Phoenix, AZ, holding a Series 66 designation with 15 years of industry experience. He has been with UBS since 2013. Outside of his advisory role, he is involved as a partner in several business ventures, including Aerobat Ventures LLC, Morgan Maxwell LLC, and Schultz Marketing LLC. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, leveraging proprietary research and model-based asset allocations. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

William Noble is a financial advisor with Charles Schwab holding Series 63 and Series 66 designations and 25 years of industry experience. He has worked at Charles Schwab since 2006 and at Charles Schwab Trust Bank since 2023, based in Phoenix, AZ. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, offering a multi-asset investment approach supported by centralized custody and operational infrastructure.

Timothy Gish is a financial advisor at LPL Enterprise with 13 years of industry experience. He holds the Series 66 designation and has worked at several firms, including Prudential Insurance Company of America and Principal Securities. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, and institutional clients. The firm primarily employs model-driven investment implementation and offers financial planning, access to third-party asset managers, and a range of affiliated insurance and trust services.

Brianne Martinoni is a financial advisor at Charles Schwab in Phoenix, AZ, holding Series 63 and Series 65 licenses with six years of industry experience. Her work history includes multiple roles at Charles Schwab and Merrill. 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 advisory recommendations and access to discretionary separately managed accounts, supported by multi-asset model portfolios and alternative investment options.

Ty Robinson is a financial advisor at Cetera with a Series 66 designation and one year of industry experience. Prior to his current role, he worked in educational positions at Northern Arizona University, Basha High School, and Payne Junior High School. Outside of finance, he is involved with The Northern Pines Restaurant. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of advisors and provides access to both affiliated and third-party money managers.

Steven Hecht is a financial advisor with Primerica Advisors in Goodyear, AZ, holding a Series 63 designation and 42 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1984. Outside of his advisory role, he serves as an umpire for the Arizona Interscholastic Association. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and offices, delivering advisory services through model-based strategies managed by third parties and supported by BNY Mellon Advisors and Pershing for trade execution and custody.

Brandi Palomo is a financial advisor at Mass Mutual Investors Services with seven years of industry experience. She holds Series 65 and Series 63 licenses and has been with Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company since 2016. Outside of her advisory work, she owns Ember Sky Publishing, a company used to self-publish fiction novels. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements and various investment programs, including wrap and money-manager offerings.

Reed Hughes is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been providing financial advisory services for over eight years. He is a member of the Hughes team, which was named to the 2024 Forbes "Best-in-State Wealth Management Teams" list. Reed and his team focus on building lifelong relationships and educating clients on wealth management strategies tailored to meet their financial goals. Reed utilizes a goals-based approach that considers clients' personal considerations, risk tolerance, time horizon, and liquidity needs to develop personalized financial strategies. He works with clients to create clear financial plans, including retirement spending strategies and tax implications, to ensure their financial needs are met. He holds a Bachelor's Degree from Arizona State University and professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Personal Investment Advisor (PIA). Reed also participates in community service activities aligned with the Merrill tradition of community involvement.

Jaime Avila is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation and previously worked at Wells Fargo for six years before joining Charles Schwab. Jaime is based in Phoenix, AZ. 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 and discretionary investment solutions, combining centralized supervisory, custody, and order-routing operations with access to alternative investments and multi-asset model portfolios.

Monica Joffre is a financial advisor at Fidelity with 34 years of industry experience. She holds Series 63 and Series 66 designations. Her prior work includes roles at USAA Investment Services Company, Morgan Stanley, LPL Financial, and Charles Schwab. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm employs a systematic investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction, supporting services such as discretionary portfolio management and fund advisory.

James Barasha is a Senior Financial Advisor affiliated with Merrill Lynch Wealth Management. In his role, he builds trusted, long-term relationships by delivering personalized financial strategies tailored to each client's unique goals, values, and stage of life. He focuses on helping individuals, families, and institutions navigate financial complexities through comprehensive planning and disciplined guidance. James has expertise in personal retirement planning, portfolio management services, and retirement income. He provides clients with access to investment insights and integrated banking and lending solutions through Merrill and Bank of America. His approach emphasizes ongoing collaboration and communication to empower clients to make informed decisions and adapt to changes. He holds a Bachelor's Degree from Kings College and the credential of Personal Investment Advisor (PIA). Outside of work, James enjoys biking, hiking, and spending time with his family. He is also committed to community involvement through active volunteering aligned with Merrill's tradition of giving back.

Dustin Glass is a financial advisor with Fidelity Investments based in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. Prior to his current role, he worked at The Vanguard Group, Inc. from 2016 to 2020. Outside of financial advising, he is involved with Rasta Wolf Records, LLC, where he serves as a studio engineer and live event promoter. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, using a proprietary blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its roles with registered investment companies, use of advanced technologies in research, and its oversight and governance practices.

Brian Nething is a Senior Financial Advisor with Merrill Lynch Wealth Management. He is a Certified Plan Fiduciary Advisor (CPFA) and holds the Retirement Benefits Consultant title. Brian began his career at Merrill in 2012 and is a member of The Longnecker-Nething-Leonard Wealth Management Team, which was recognized on the Forbes Best-In-State Wealth Management Teams 2026 list. His expertise includes retirement benefits consulting, wealth management strategies for high-net-worth individuals, and investment consulting for defined contribution and defined benefit plans. Brian is a Summa Cum Laude graduate of Arizona State University, where he earned a B.S. in Communication. He takes a consultative and objective approach, focusing on understanding each client's financial situation, preferences, goals, risk tolerance, time horizon, and liquidity needs. He works with a diverse client base including owners, executives, C-suite professionals, surgeons, physicians, dentists, and lawyers, helping them develop personalized wealth management and tax deferral strategies. In addition to his professional work, Brian is involved in community organizations such as the Girl Scouts of America and the Lucky Dog Animal No Kill Shelter. He also holds the Eagle Scout rank with the Boy Scouts of America. Brian resides in Phoenix with his wife, daughter, and three dogs.

Marin Masters is a financial advisor at Cetera with a Series 66 designation and one year of industry experience. Prior to joining Cetera, Marin has held roles in various organizations including Renaissance Financial and The Ironman Group, where Marin works as a merchandise sales representative involved in race event operations. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm provides portfolio management, financial planning, and access to multiple program platforms with both discretionary and non-discretionary options.

Melissa Santangelo is a financial advisor at LPL Enterprise with a Series 66 designation and three years of industry experience. Her career includes roles at Pruco Securities LLC and Push Models LLC, along with ongoing involvement at Auxilia Asset Management since 2012. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm’s approach is primarily model-driven, offering financial planning, access to third-party asset managers, and participation in a wrap program through a network of investment adviser representatives.