Anique Hyden is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. She has worked at Schwab Private Client Investment Advisory, Inc. since 2018 and was previously with Charles Schwab from 2014 to 2018. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, distinguishing its model from many other enterprise wealth managers.

Juan Garcia is a financial advisor with First Command Advisory Services in Gilbert, AZ, holding Series 63 and Series 65 credentials and seven years of industry experience. His prior work includes service with the Naval War College and Seventh Fleet. Outside of his advisory role, Garcia serves as a conditioning coach for the ASU High School Boys Soccer Team. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm provides financial planning and wrap-fee asset management programs managed by a centralized Investment Management Team and Wealth Portfolio Managers.

Angela Hawk is a CFP® professional with 25 years of industry experience, currently serving at Schwab Wealth Advisory Inc. since 2012. She has been associated with Charles Schwab since 2000 and holds Series 63 and Series 66 licenses. Based in Phoenix, AZ, she primarily works within Schwab’s enterprise advisory framework. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients financial reviews, retirement planning, and tailored investment recommendations using Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem, with a focus on client-directed investment decisions and annual account reviews.

Anton Halka is a financial advisor at Transamerica Financial Advisors with 30 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Allstate Financial Advisors and Halka Insurance Services. His background also includes roles at Total Wine and More and experience in the travel industry. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individual investors and employer-sponsored plans. The firm employs a model portfolio approach supported by third-party money managers and digital platforms, managing approximately $1.7 billion in regulatory assets.

Spencer Ellsworth is a CFP® professional with six years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior experience includes roles at The Vanguard Group, Inc. and Vanguard Marketing Corporation. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools to support client-driven investment decisions with regular financial reviews and planning.

Jon Coger is a financial advisor at Osaic Institutions, Inc. based in Phoenix, AZ, with 13 years of industry experience. He holds the Series 66 designation and has worked at firms including Bank of America, Merrill, and Arizona Federal Credit Union. Osaic Institutions, Inc. serves individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives, offering customized advisory services, financial planning, and access to alternative investments and lending solutions. The firm operates a hybrid adviser/broker-dealer model combining discretionary and non-discretionary account management with extensive affiliations and a lending marketplace.

Prithibi Chauhan is a financial advisor at Schwab Wealth Advisory with four years of industry experience. Prior to joining Schwab Wealth Advisory in 2025, Chauhan worked at Bank of America and Merrill from 2022 to 2025. Chauhan holds Series 63 and Series 66 credentials and is based in Phoenix, AZ. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates as an internal advisory unit within Charles Schwab and uses standard asset allocation models and Schwab research tools, while clients retain final trading decisions.

Matthew Underwood is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 66 licenses and has 26 years of industry experience. He has been with Charles Schwab and its affiliated firms since 1999. Outside of his advisory work, he owns and manages an LLC based in Phoenix, Arizona. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across a variety of asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice through standard asset allocation models and Schwab research tools while leaving final investment decisions to clients.

Elizabeth Belisle is a financial advisor at J. W. Cole Advisors, Inc. with 31 years of industry experience. She holds the CFP® designation along with Series 63 and Series 65 licenses. In addition to her advisory role since 2015, she has operated an income tax service since 1990 and is involved in estate planning and pottery sales as business owner and artist. J. W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a nationwide network of over 400 independent advisers. The firm provides portfolio management, financial planning, access to third-party managers, and multiple managed account solutions, with investment decisions implemented on a discretionary or non-discretionary basis.

Nicholas Keyser is a financial advisor at Empower Advisory Group with 11 years of industry experience. He holds Series 63 and Series 66 designations and previously worked for The Vanguard Group for seven years. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as select retail brokerage clients. The firm’s services are integrated with Empower’s recordkeeping and administrative platforms and emphasize long-term portfolio returns and client savings rates.

Olivia Starkey is a financial advisor at Schwab Wealth Advisory with a Series 66 credential and one year of industry experience. Prior to joining Schwab Wealth Advisory, she held positions at Charles Schwab & Co., Inc., the City of Tempe, and Arizona State University. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program. The firm offers financial reviews, retirement and planning discussions, and investment recommendations using Schwab’s asset allocation models and research tools, with final trading decisions made by clients.

Joseph Kroleski is a financial advisor at Kestra Advisory with 13 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at multiple firms including Cambridge Investment Research, FinTron Advisors, and eToro USA Securities. Kroleski is also the owner of Exigo Consulting, a consulting business that is currently inactive while he is registered with another firm. Kestra Advisory provides investment advisory and retirement-plan consulting services to a diverse client base, including plan sponsors and institutional investors. The firm offers fiduciary consulting, plan design, investment advice, and access to multiple management platforms, serving clients ranging from individual investors to sovereign wealth funds.

Jeanine Borger is a financial advisor at Schwab Wealth Advisory with 15 years of industry experience. She holds the Series 63 and Series 66 designations. Prior to joining Schwab Wealth Advisory in 2022, she worked at The Vanguard Group from 2011 to 2022. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

John Ross is a financial advisor with Kestra Advisory who holds Series 63 and Series 65 credentials and has 31 years of industry experience. He has been with Kestra Advisory since 2016 and has a long tenure with Kestra Investment Services, LLC dating back to 2003. Ross co-owns National Investment Advisors, Inc., a registered representative business affiliated with Kestra. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base including plan sponsors and institutional and individual investors. The firm offers a range of fiduciary services and access to multiple management platforms and third-party solutions, serving large institutional clients alongside retail investors.

Connor Weinman is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 66 designations and possessing 12 years of industry experience. His prior roles include positions at Morgan Stanley, Bank of America, and Merrill Lynch. Weinman is based in Chandler, Arizona. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education services. The firm uses proprietary technology and third-party model portfolios to provide asset allocation and retirement planning guidance, focusing primarily on non-discretionary and managed portfolios for a broad client base.

Patrick Kilkenny is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and four years of industry experience. His background includes roles at Charles Schwab & Co., Inc., Wal-Mart, and various local businesses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations utilizing Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not act as a discretionary portfolio manager.

Thomas Travaglini is a CFP® professional with seven years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. Prior to joining Schwab Wealth Advisory in 2022, he worked at Charles Schwab and Co., Inc. and has experience in the hospitality industry with Omni Hotels. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations using Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly for its services.

Vincent Tang is a financial advisor at Schwab Wealth Advisory with 17 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 66 licenses. Tang has been with Schwab Wealth Advisory since 2012 and has been associated with Charles Schwab since 2008. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers services including annual financial reviews, retirement planning, and investment recommendations, utilizing Charles Schwab’s asset allocation models and research tools while leaving final trading decisions to clients.

Richard Lynch Jr. is a financial advisor at Kestra Advisory with 37 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Kestra Advisory since 2016. He is also the owner of Retirement Analytics, overseeing operations and sales. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services including fiduciary consulting, plan design, and investment advice. The firm serves a wide range of clients, including large institutional investors, and manages approximately $79.8 billion in assets.

Benjamin Tiller is a financial advisor at TLG Advisors, Inc. with 14 years of industry experience. He holds the Series 66 designation and has worked at LFI Advisory Inc from 2017 to 2021 and The Leaders Group Inc since 2011. TLG Advisors, Inc. is an SEC-registered investment adviser managing approximately $2.0 billion in discretionary client assets. The firm serves individuals, retirement plans, trusts, estates, charitable organizations, businesses, and institutional investors, providing investment supervisory and portfolio management, comprehensive financial and estate planning, and ERISA fiduciary services.