Kendall Palmer is a CFP®-designated financial advisor with Vanguard Advisers in Scottsdale, AZ, bringing 10 years of industry experience. He has been with The Vanguard Group, Inc. since 2015. Vanguard Advisers provides automated and human-supported investment advice through its Digital Advisor and Personal Advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios constructed largely from Vanguard funds and ETFs, offering customization options including ESG preferences.

Joseph Costello is a financial advisor at Vanguard Advisers with 19 years of industry experience. He holds Series 63 and Series 66 designations and has been with Vanguard since 2006 in various roles, including his current position starting in 2020. Outside of his advisory work, he serves as a fiduciary agent and manages a 529 plan custodian role. Vanguard Advisers offers automated and human-supported investment advice through digital and personal advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach, employing proprietary methodologies to construct tax-aware portfolios largely composed of Vanguard funds and ETFs.

Linda Handley is a financial advisor with Wells Fargo Clearing in Scottsdale, AZ, holding a Series 63 designation and 35 years of industry experience. She has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Michael Self is a CFP®-certified financial advisor with 34 years of industry experience. He has worked at Cetera since 2020 and previously spent 15 years with First Financial Equity Corp. In addition to his advisory work, he serves as a trustee managing client trusts and acts as a power of attorney for a family friend. He is affiliated with Cetera Investment Advisers LLC, an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a variety of investment management and retirement services, including access to multiple program structures and third-party managers.

Walker Boyd is a financial advisor with UBS Financial Services in Scottsdale, AZ, holding a Series 66 credential and four years of industry experience. Before joining UBS in 2023, he worked at The Vanguard Group for one year. Outside of advisory roles, he has also worked in delivery services for companies like DoorDash and Amazon. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services to deliver tailored financial planning and portfolio management.

Mason Massow is a CFP® with four years of industry experience, currently serving as an advisor at LPL Financial. Prior to joining LPL in 2026, he worked at Raymond James Financial Services Advisors, Inc. and Raymond James Financial Services Inc. for a combined seven years. Outside of his advisory role, Mason is an associate at Massow Wealth Strategies, where he supports business operations. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a wide range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm utilizes a variety of investment approaches, including model portfolios and third-party asset management, supported by extensive operational and research tools.

John Rivera is a CFP®-certified financial advisor with Ameriprise in Scottsdale, AZ, and has four years of industry experience. Prior to joining Ameriprise, he worked at The Vanguard Group, Inc. for three years. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing annual advice focused on dependable income sources and tax-aware withdrawal strategies.

Ryan Richter is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has been with The Vanguard Group since 2011. Outside of his advisory role, he owns and operates two businesses: an e-commerce company that sells kits to assist parents of special needs children, and a real estate firm focused on residential property transactions. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to construct portfolios primarily from Vanguard funds and ETFs, offering a range of customization options and managing a large client base through its digital platform and extensive advisor team.

Ryan Taccolini is a financial advisor with Osaic, holding a Series 66 designation and 12 years of industry experience. He has been with Securities America Inc since 2013 and also has a role in compliance at Securities America Advisors. Outside of advisory services, he is involved in a sanitation business. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools, operating through a complex network of affiliated broker-dealer and RIA relationships.

Kenneth Escoto is a financial advisor at Merrill with 10 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2015, also working at Bank of America, N.A. during the same period. Outside of his advisory role, he serves as a consultant and independent contractor for the National Hot Rod Association, assisting with ushering and crowd management at events. Merrill, along 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 offers both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors, supporting a range of account types with trading, administration, and custody services.

David Dorward is the Senior Resident Director of the Phoenix office and a Managing Director at Merrill Lynch Wealth Management. He began his career in the financial services industry in 1995 and joined Merrill Lynch Wealth Management in 1997. His professional focus is on serving ultra-high net worth clients, including corporate executives, professional athletes, physicians, retirees, and business owners. As a Portfolio Manager, he manages personalized or defined discretionary investment strategies that may include individual stocks and bonds, Merrill Lynch Wealth Management model portfolios, and third-party strategies. He holds professional designations such as Chartered Retirement Planning Counselor™ (CRPC™) and Certified Plan Fiduciary Advisor® (CPFA®) and is recognized as a Forbes Best in State Wealth Advisor from 2019 to 2026. He holds multiple FINRA registrations including Series 7, 63, 65, 52, 31, 9, and 10 Securities Principal. David earned his Bachelor's degree from Northern Arizona University and is an Arizona native. He is a graduate and alumnus of Scottsdale Leadership Organization (Class XXI). His community involvement includes serving on the Board of Directors for the Fiesta Bowl organization. He has also dedicated time to several local charities and served as a Reserve Volunteer for the Paradise Valley Police Department.

Samuel Meza is a financial advisor with Vanguard Advisers based in Scottsdale, AZ. He holds a Series 66 designation and has 11 years of industry experience. His prior experience includes roles at Morgan Stanley, BMO Bank, Bancwest Investment Services, Bank of America, and Merrill. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, serving retail investors and retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and primarily Vanguard funds and ETFs, and it manages a large client base with a high client-to-advisor ratio through its scalable digital platform and team servicing model.

Sophia Nipp is a financial advisor with J.P. Morgan Securities in Scottsdale, AZ, holding a Series 66 designation and two years of industry experience. Her prior roles include positions at Morgan Stanley and Barton & Associates Inc. Outside of finance, she has worked in various other fields including at TN Air and Moondance Grill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research and integrates an ESG eligibility framework, supported by affiliates for implementation and portfolio services.

Matthew Puttroff is a financial advisor at Vanguard Advisers with 19 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at TIAA and Fidelity. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach that incorporates proprietary models and a wide range of customization options.

Teresa Di Gregorio is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 66 licenses with six years of industry experience. She has previously worked at HUB International and Cresset Asset Management, and held roles within The Vanguard Group and its related entities. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible employer-sponsored retirement plan participants, utilizing a goal-based, algorithm-driven approach primarily built around Vanguard funds and ETFs. The firm manages a high volume of client relationships through its digital platform and a large team of advisors.

Wesley McCalley is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 credentials and bringing 19 years of industry experience. He has been with Vanguard in various capacities since 2005, including his current role at Vanguard Advisers since 2018. Vanguard Advisers provides both automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach with portfolios constructed mainly from Vanguard funds and ETFs, supported by a large team of advisors managing a high volume of client relationships.

Zachary Schwenk is a CFP® with eight years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has worked with Vanguard-affiliated entities since 2018 and has been self-employed intermittently. His background also includes experience at Biffs Bagels Inc. and Northern Arizona University. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. The firm utilizes a goal-based, algorithm-driven approach and primarily constructs portfolios from Vanguard funds and ETFs, offering customization options and tax-aware features.

Nathaniel Carlon is a financial advisor with LPL Financial in Scottsdale, AZ, holding Series 63, Series 65, and Series 66 registrations and 22 years of industry experience. His prior experience includes roles at Stifel Nicolaus & Co Inc, Equitable Advisors, and Chase Investment Services Corp. Outside of his advisory work, he is involved with BMC Strategies, a non-investment-related business entity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management access, and institutional platforms, with a focus on providing both discretionary and non-discretionary investment strategies supported by operational and research tools.

Adam Carlat is a financial advisor with LPL Financial in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. His prior roles include positions at Morgan Stanley and PlanMember Securities Corporation. In addition to his advisory work, he is involved in an insurance business selling life insurance and fixed annuities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, supported by technology tools and a broad network of advisors.

Zachary Dias is a financial advisor at Vanguard Advisers with a Series 66 designation and one year of industry experience. His prior work experience includes roles at Ross Stores, Inc., Glendale Community College, and The Home Depot. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans by providing automated and human-supported investment advice through its digital and personal advisor services. The firm uses a goal-based, algorithm-driven investment approach with portfolios primarily constructed from Vanguard funds and ETFs, offering a range of customization options and tax-aware features.