Christopher Ratka is a financial advisor at Charles Schwab with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Financial Engines Advisors L.L.C. and The Vanguard Group. Ratka 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. The firm offers both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and a centralized operational structure.

Paul Behnken is a financial advisor at Charles Schwab with 13 years of industry experience. He holds the Series 66 designation and has worked at firms including Bank of America, Merrill, and Robinhood before joining Charles Schwab. Charles Schwab & Co., Inc. serves a large client base primarily consisting of 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 offers a combination of non-discretionary advice and access to discretionary separately managed accounts, employing multi-asset model portfolios alongside alternative investment options.

Chandeep Chadha is a financial advisor at Charles Schwab with four years of industry experience. He holds Series 63 and Series 66 designations and has worked at various Schwab entities since 2021. Prior to his career in finance, he held roles at TopGolf and Chipotle. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 management solutions supported by multi-asset model portfolios and a centralized operational structure.

Kalonn Boyle is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and nine years of industry experience. His prior work includes roles at First Allied Securities, Inc. and BHF RG Capital Inc. before joining Charles Schwab in 2019. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios alongside a formal alternative-investment onboarding process.

Paul Gesina is a CFP® professional with 27 years of industry experience. He is currently with Charles Schwab in Phoenix, AZ, having previously worked at Morgan Stanley and E*TRADE Capital Management. 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 offers a combination of non-discretionary and discretionary investment management with integrated brokerage, custody, and advisory services.

Owen Sweeney Jr. is a financial advisor at UBS Financial Services with 38 years of industry experience. He has been with UBS since 1987 and holds Series 63 and Series 65 credentials. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm offers fee-based financial planning, portfolio management, and access to proprietary research and capital markets services.

Armando Castaneda is a financial advisor at Merrill with 11 years of experience at the firm. He holds a Series 66 designation and is based in Phoenix, AZ. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Tyler Ehlers is a financial advisor at Charles Schwab with 10 years of industry experience. He has been with Charles Schwab since 2014 and holds a Series 66 designation. 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, centralized custody, and a formal alternative-investment onboarding process.

Mohamed Zeitoun is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and five years of industry experience. His prior work includes roles at Sonoran Heights Partners, Sonoran Hills Partners, Axon Enterprise, Goldman Sachs, Bank of America Merrill Lynch, and Store Capital. Mohamed is based in Phoenix, AZ. 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 delivers these services alongside affiliated brokerage and investment management capabilities, with recommendations made on a non-discretionary basis.

Timothy Woods is a financial advisor at LPL Financial with 28 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Ameriprise Financial Services Inc. and Waddell & Reed, Inc. Since 2020, he has also operated Rock Martin Private Wealth Management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning, and brokerage services supported by research and technology across discretionary and non-discretionary management strategies.

Solece Lopez is a financial advisor at Morgan Stanley in Phoenix, AZ, holding Series 63 and Series 66 credentials with three years of industry experience. Prior to joining Morgan Stanley in 2023, she worked at Charles Schwab and State Farm Mutual Insurance Co. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to support its advisory services.

Enwiya Toma is a financial advisor with Merrill, holding a Series 66 designation and 13 years of industry experience. She has been with Merrill since 2012 and also works with Bank of America, N.A. since 2013. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Aaron Ewing is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and 15 years of industry experience. He has worked at Charles Schwab since 2015, including a period at Charles Schwab Bank from 2016 to 2018. Outside of his advisory role, he owns and operates A & M Wellness LLC, an online retail business selling mostly sporting goods. 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, offering a mix of non-discretionary guidance and access to discretionary separately managed accounts.

Jacob Rotner is a financial advisor at Fidelity with one year of industry experience. He holds the Series 66 designation and has prior employment with Fidelity Investments and Fidelity Brokerage Services LLC. Outside of his advisory role, he has worked seasonally with Kona Ice. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across mutual funds, ETFs, and ETPs.

Karen Green is a Series 66 licensed financial advisor at Merrill with 15 years of industry experience. She has been with Merrill since 2010. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Apolinar is a financial advisor at Charles Schwab with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Charles Schwab & Co., Inc. since 2009. Outside of his advisory role, he is a member and operator of Copper State Alliance, an online outdoor sporting goods retailer. 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 offers a centralized operational platform supporting a large client base.

Donald Whitman is a financial advisor with Cetera Wealth Services, LLC in Phoenix, Arizona, holding Series 63, 65, and 66 licenses and possessing 25 years of industry experience. He has previously worked with Avantax Advisory Services and 1st Global Advisors, and he is also a member of the board of directors for the Martin Auto Museum, a nonprofit organization. Whitman is involved in several business ventures, including Intentional Wealth Solutions, LLC, a financial services entity formed through a merger, and he owns Whitman & Jackson CPAs, PC. Cetera Investment Advisers LLC serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers, overseeing more than $256 billion in assets.

Christine Melancon is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and 18 years of industry experience. She has worked at Cetera since 2019 and previously held roles at Foresters Advisory Services and Foresters Financial Services. Melancon also owns Christine Melancon LLC and serves as successor trustee for the Aaron J Cunningham Trust. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and access to multiple program platforms, operating a multi-manager platform that includes affiliated and third-party managers.

Emily Stead is a CFP® professional with 10 years of industry experience, currently serving at Cetera since 2019. Her previous roles include positions at Foresters Advisory Services LLC and Foresters Financial Services. Outside of her advisory work, she operates a financial planning firm established for tax purposes. Cetera Investment Advisers LLC is a large, nationwide SEC-registered advisory 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 multi-manager platform, supporting both discretionary and non-discretionary strategies.

Joshua Butler is a financial advisor at Edward Jones with a Series 66 designation and two years of industry experience. His prior work includes roles at Uber Technologies, BlockFi, and American Express. Outside of his advisory duties, he owns and operates an auto detailing business, Dropless Detail LLC, in Glendale, AZ. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a broad range of advisory programs and investment solutions through a large nationwide network of financial advisors and branch offices.