Cole Bialek is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and three years of industry experience. He has worked at Schwab Wealth Advisory Inc. since 2025 and has prior experience at Charles Schwab and The Porch. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools to support investment recommendations, with final trading decisions made by clients. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

Jacob Nordquist is a CFP®-designated financial advisor with Schwab Wealth Advisory in Phoenix, AZ, bringing three years of industry experience. Before joining Schwab, he worked in the restaurant industry, including roles at Gen Korean BBQ and PK Shabu. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning discussions, and investment recommendations utilizing Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not exercise discretionary trading authority.

Richard Munneke is a CFP® professional with 29 years of industry experience. He is currently with Mercer Global Advisors Inc. and has held previous roles at Edelman Financial Engine, TD Ameritrade, and Charles Schwab. Mercer Global Advisors serves individuals and families, small business owners, plan sponsors, foundations, non-profits, and endowments, offering a range of advisory services including investment management, financial planning, retirement and estate planning, and family office solutions. The firm employs a Modern Portfolio Theory-based approach utilizing diversified portfolios and a variety of investment vehicles, alongside specialized services such as retirement plan consulting and charitable advisory.

Siobhan Collins is a financial advisor at Wealth Enhancement Advisory Services, LLC with 12 years of industry experience. She holds the CFP®, ChFC®, and Series 63 designations. Prior to joining Wealth Enhancement Advisory Services in 2025, she worked at The Vanguard Group for eight years and had roles at Robert W. Baird & Co. and as a self-employed advisor. Wealth Enhancement Advisory Services offers financial planning, asset management, and retirement-plan consulting for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and utilizes a diversified, risk-class based investment approach combining passive and active managers with quantitative, momentum, and fundamental analysis.

Jeffrey Withrow is a CFA® charterholder with 16 years of experience in the financial industry. He is currently affiliated with RBC Rochdale, LLC and has worked at CNR Securities, LLC since 2012. Outside of his advisory role, he co-manages a short-term rental property through JW2 Capital, LLC with his wife. RBC Rochdale serves a diverse client base including high net worth individuals, corporations, and charitable organizations, providing discretionary and non-discretionary portfolio management among other services. The firm employs an active, multi-strategy investment approach that integrates quantitative modeling and fundamental analysis supported by proprietary tools.

Joshua Lawson is a financial advisor at Focus Partners Wealth, LLC with 13 years of industry experience. He holds the Series 66 designation and has worked at firms including Churchill Management Group, Charles Schwab, and TD Ameritrade. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, high-net-worth families, family offices, retirement plans, institutions, and businesses. The firm employs a long-term investment approach that emphasizes tax- and fee-sensitivity within an enhanced open architecture framework combining various strategies and managers.

Michael Gobbato is a financial advisor at TIAA-CREF with 17 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Morgan Stanley Private Bank and USAA Financial Advisors. Outside of his advisory work, he is the COO of Ambitious Stryk LLC, a soccer clothing vendor for a yearly soccer tournament. TIAA-CREF Individual & Institutional Services provides financial planning and managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm offers both point-in-time planning services and ongoing discretionary portfolio management, with a fiduciary standard applied to its advisory services.

Abigail King is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ. She holds a Series 66 designation and has one year of industry experience. Prior to her current role, she spent time in education and worked with Learn 2 Rip Surfing and Ocean Academy, as well as Stryve Foods. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its Schwab Wealth Advisory program. The firm uses standard asset allocation models and Schwab research tools to support its recommendations, conducting at least annual account reviews while leaving final trading decisions to clients.

Marc Braden is a financial advisor with Eagle Strategies (New York Life) based in Phoenix, AZ. He holds the Series 63 and Series 65 credentials and has 24 years of industry experience. Braden has been with Eagle Strategies since 2012 and with New York Life since 2001. Eagle Strategies serves a diverse client base including individuals, institutional investors, and plan sponsors, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and primarily manages assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Craig Liguori is a financial advisor with First Command Advisory Services in Phoenix, AZ, holding a Series 66 credential and 12 years of industry experience. Prior to joining First Command in 2019, he worked at Bank of America and Merrill from 2015 to 2019. Outside of advisory work, he has part-time roles as a driver for both Lyft and Uber. 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 offers financial planning and multiple wrap-fee asset management programs, utilizing a centralized Investment Management Team that selects model portfolios and third-party managers from prescreened lists.

Cheryl Bodwin is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has been with Charles Schwab and its affiliated advisory firms since 1999. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations primarily based on Schwab’s proprietary research and asset allocation models.

Kerry Tanner is a CFP® with 44 years of industry experience, currently affiliated with Independent Financial Group, LLC since 2005. He also provides life, health, and long-term care insurance services and offers tax preparation and bookkeeping as an independent contractor. Additionally, he serves as a volunteer member on a homeowners association board. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm manages approximately $11.3 billion in assets and offers advisory programs through its AccessPoint platform and third-party asset managers, with both discretionary and non-discretionary account management options.

Soren Van Houten is a CFP® professional with five years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior experience includes roles at The Vanguard Group and self-employment in e-commerce, where he sells clothing online through platforms like Mercari and eBay. He is based in Phoenix, AZ. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using standard asset allocation models and Schwab research tools to support investment recommendations. The firm operates within the Schwab ecosystem and focuses on annual account reviews without discretionary trading authority.

Eric Mcdowell is a financial advisor at TIAA-CREF with 15 years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. Mcdowell is an owner of a long-term rental property in Scottsdale, Arizona. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and managed account programs for individuals, trusts, estates, and small retirement plans, often serving clients with existing TIAA-administered employer retirement plan relationships. The firm provides discretionary portfolio management through model and customized portfolios while acting as adviser to a donor-advised fund.

Brandon Capps is a financial advisor at Guardian Life with over 21 years of industry experience. He holds Series 63 and Series 66 licenses and has been associated with Park Avenue Securities and Guardian Life Insurance for the past 10 years. Outside of his advisory role, he is involved with the Kansas Pharmacist Association, assisting with member recruitment and promoting association benefits. Park Avenue Securities, doing business as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser serving individuals, plans, charitable organizations, and corporate clients. The firm provides a range of brokerage and advisory services, including proprietary and third-party investment programs and tailored financial planning solutions.

Hannah Krumreich is a CFP® professional with 11 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory. She has prior experience with JP Morgan Securities LLC and Fidelity Brokerage Services LLC. Her career includes various roles within Charles Schwab entities dating back to 2018. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, serving clients with investment recommendations and annual financial reviews using Charles Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

John Kissam is a CFP® with eight years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. Prior to joining Schwab in 2025, he worked at JPMorgan Chase Bank and J.P. Morgan Securities, and held roles at Wells Fargo Bank and Lyft. He is also a managing member of Treehaus LLC, a real estate-related business. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, delivering services that include 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 for most clients.

Elizabeth Duran is a financial advisor at Schwab Wealth Advisory with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has previous roles at Wells Fargo Bank, Bank of America, and Merrill. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, focusing on 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 provide discretionary portfolio management.

Mubera Madar is a CFP® professional with 26 years of industry experience, currently serving at Schwab Wealth Advisory since 2022. She has been associated with Charles Schwab in various capacities since 2000. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab’s asset allocation models and research tools, with an emphasis on client-directed final trading decisions.

Richard Keiser is a financial advisor at Schwab Wealth Advisory with nine years of industry experience. He holds a Series 66 designation and has previously worked at firms including Fidelity Investments, Empower Advisory Group, TIAA-CREF, and Wells Fargo Clearing. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients participating in the Schwab Wealth Advisory program, offering services such as annual financial reviews and investment recommendations based on Schwab’s research tools. The firm operates within the Schwab ecosystem and does not exercise discretionary trading authority, distinguishing its model from many other enterprise wealth managers.