George Henderson is a CFP® with 10 years of industry experience, currently serving at Wells Fargo Clearing since 2021. His prior roles include positions at Comerica Securities and Charles Schwab, where he worked from 2014 to 2019. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory solutions. The firm’s investment approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its product offerings.

Jayden Rolstone Kobal is a financial advisor at Charles Schwab with three years of industry experience. He holds the Series 63 and Series 65 designations. His prior work includes roles at J.P. Morgan Securities LLC, Albertsons Companies, and Robinhood Financial. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of advisory, brokerage, custody, and cash-sweep services with both non-discretionary and discretionary investment options.

Christopher Harris is a CFP® with 25 years of industry experience, currently working at Morgan Stanley in Phoenix, AZ. His career includes roles at Bank of America and Merrill prior to joining Morgan Stanley's Private Bank and Smith Barney divisions. Outside of his advisory work, he is involved with Angel Seed Equity Holdings LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved tools.

Ramitesh Mathur is a financial advisor at Charles Schwab with eight years of industry experience. He has previously worked at The Vanguard Group and Bank of America. Mathur holds Series 63 and Series 66 designations. 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 affiliated discretionary separately managed accounts and provides a range of integrated brokerage, custody, and advisory services.

Mirza Kevric is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at The Monolith Group and CHASE BANK. Kevric has been with J.P. Morgan Securities since 2022 and has a longstanding association with JPMorgan Chase Bank since 2016. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations through a non-discretionary program supported by in-house due diligence and ESG processes.

John Burke is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has built his career since 1995. He is part of The Harbor Group, managing client relationships and designing equity, fixed-income, and alternative investment strategies. His professional focus is on corporate executive services, including concentrated equity management, executive stock options, and restricted stock sales. John holds the Chartered Retirement Planning Counselor™ (CRPC™) designation from the College for Financial Planning Institutes Corp., and is also a qualified Portfolio Manager. In this role, he provides traditional advice and guidance and develops personalized or defined strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. He serves clients through the firm's Investment Advisory Program, where strategies may be managed on a discretionary basis. John earned his bachelor's degree from Marquette University. Outside of his professional work, he has interests in golfing, traveling, and yoga.

Robert Gage is a financial advisor with Morgan Stanley in Barrington, IL, holding a Series 66 designation and 22 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and modeling techniques.

Eric Sanger is a financial advisor at Charles Schwab with 17 years of industry experience. He previously worked at Sagepoint Financial, Inc. for eight years and OSAIC for one year. Outside of his advisory roles, he has been involved with Nature's Drop Essential Oil for ten years. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients 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 guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment review process.

Cooper Schmidt is a CFP® and holds a Series 66 license, with nine years of experience in the financial services industry. He is currently with Charles Schwab and Co., Inc., where he has worked for ten years and is also affiliated with Charles Schwab Bank, SSB. Prior to that, he spent four years at Lyft. 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 operates a hybrid model combining non-discretionary advisory recommendations with access to affiliated discretionary SMA portfolios and centralized custody and order-routing arrangements.

Joshua Ardelean is a financial advisor at Charles Schwab with 16 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Charles Schwab since 2010, including roles at Charles Schwab Bank and OptionsXpress, Inc. 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 provides both non-discretionary and discretionary investment management options, supported by multi-asset model portfolios and due diligence on alternative investments.

Lea El Ghandour is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Prior to joining Merrill in 2022, she worked at Arizona State University, The Black Sheep, and Salt River Project, with earlier experience in secondary education. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Michael Loftus is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at American Portfolios Financial Services, Loftus Financial, Regal Investment Advisor, and Regulus Advisors. He serves on the board of the Camelback Kiwanis Memorial Fund, a charity focused on educational scholarships. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors, offering integrated brokerage and advisory services through a large network of affiliated advisers and multiple investment platforms.

Carol Cromer is a financial advisor at Merrill with 39 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Merrill since 1988, as well as at Bank of America, N.A. since 2017. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, and various institutional investors, utilizing internal investment teams and third-party managers.

David Suess is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. Prior to joining Charles Schwab in 2020, he worked for multiple USAA affiliates, including USAA Investment Management Company and USAA Financial Advisors, Inc., over a span of more than a decade. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a blend of non-discretionary and discretionary investment management alongside brokerage, custody, and financial planning services.

Summer Darkis is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and having 12 years of industry experience. She has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2014. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Larry Osa is a financial advisor with Robert W. Baird & Co. in Peoria, AZ, holding Series 63 and Series 66 licenses and bringing 42 years of industry experience. His previous roles include 11 years at RBC Capital Markets before joining Robert W. Baird in 2019. Outside of his advisory work, he serves on the board of Sunshine Dog Rescue, where he helps establish intake and adoption policies. He is part of The DDK Group within Robert W. Baird’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and charitable organizations. The group offers tailored financial planning and portfolio management services, utilizing a range of strategies from traditional to non-traditional investments and providing both discretionary and non-discretionary management options.

Steven Selsky is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on creating personalized wealth management strategies that align with his clients' life priorities and financial goals. Steven's practice serves small business owners, employees of publicly traded companies, high net worth families, and professional athletes. He has expertise in areas including college education planning, family wealth management strategies, investment consulting for defined contribution plans, managing new wealth, portfolio management services, small business strategies, sports and entertainment, individual and corporate investment strategy, tax minimization, and retirement income. Steven holds a Bachelor's Degree from the University of Arizona and is a Personal Investment Advisor (PIA). Steven is a former professional athlete who transitioned into financial advising to help people receive proper financial guidance. He lives in Phoenix, Arizona, with his wife Brittany, their newborn daughter Emma, and their golden retriever Nala. Steven enjoys baseball, skiing, surfing, traveling, volleyball, watching movies, and spending time with his family.

Roy McClung is a financial advisor with Charles Schwab & Co., Inc. and holds Series 63 and Series 66 credentials. He has 30 years of industry experience, including prior roles at Strategic Staffing, USAA Investment Services Company, USAA Financial Advisors, Inc., TD Ameritrade, Inc., and Scottrade Inc. He is based in Phoenix, AZ. 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. Schwab combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset model portfolio approach supported by research and alternative investment options.

Brandon Carlo is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, he held positions at Bank of America, Dutch Bros, Chipotle Mexican Grill, and Panda Express. He is a member of an LLC that manages a rental property with his father. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering both model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Rebecca Clark is a financial advisor with Charles Schwab in Phoenix, AZ, holding CFP®, ChFC®, and Series 63 credentials and bringing 20 years of industry experience. She previously worked at The Vanguard Group and Schwab Retirement Plan Services, Inc. Clark serves on the NAU Finance Advisory Council, where she mentors students and supports educational programs. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients 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 and utilizes multi-asset model portfolios and alternative investment due diligence.