Ammiel Banayat is a CFP® professional with 10 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. He has worked with Schwab Wealth Advisory since 2019 and concurrently serves as a Captain and Company Commander in the Arizona Army National Guard, focusing on explosive ordnance disposal operations. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, utilizing asset allocation models and internal research tools to deliver personalized recommendations without discretionary trading authority.

David Finger is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and one year of industry experience. He has been with Schwab Wealth Advisory since 2026 and has prior experience at Charles Schwab & Co., Inc. and Right Start Mortgage, Inc. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services primarily to clients in the Schwab Wealth Advisory program and certain clients referred by Charles Schwab & Co., focusing on asset allocation and investment selection tailored to individual goals and risk tolerance. The firm uses proprietary asset-allocation models and research tools while trades require client authorization.

Alison Grefsheim is a financial advisor at Centaurus Financial, Inc. in Scottsdale, AZ, holding a Series 66 designation with six years of industry experience. She previously worked at Equitable and Equitable Advisors for a combined eight years and spent two years at Zenreach. Outside of her advisory role, she serves as the treasurer on the Osborn Village Condominium Association board and is a notary. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers comprehensive financial planning and portfolio management through the CLASSIC Plus platform, employing various analytical approaches and allowing both discretionary and non-discretionary asset management.

Scot Shyman is a CFP® professional with 39 years of experience, currently serving at Commonwealth Financial Network since 2003. He is also associated with Camelback Retirement Planners. Shyman is involved in managing fixed insurance products and is a member of SHYCUS, LLC, an entity that processes expenses related to securities business. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and comprehensive back-office support, including operations, trading, technology, investment management, and compliance services.

Richard Beckley is a CFP® with 38 years of industry experience, currently serving as a financial advisor at Guardian Life and Park Avenue Securities. He has been associated with Guardian Life and its related entities since 1998. Beckley also offers insurance products beyond those provided by Guardian. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides both brokerage and advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a combination of advisor-led discretionary management and model-based strategies, along with access to proprietary programs and third-party solutions.

Hunter Shaw is a financial advisor with Beacon Pointe Advisors, LLC, holding a Series 66 designation and two years of industry experience. His prior roles include positions at OSAIC, Securities America, Inc., Iron Point Financial Advisors, and Gallagher Insurance Co. Outside of investment advising, he is also an insurance agent with Beacon Pointe Insurance Services, LLC, where he sells life, health, and accident insurance products. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse client base, including individuals, institutions, and retirement plans. The firm utilizes a manager-driven investment approach with asset allocation modeling and offers services such as discretionary wealth management, fiduciary consulting, and outsourced CIO solutions.

Jennifer Foster is a financial advisor with Commonwealth Financial Network in Scottsdale, AZ, holding a Series 66 designation and 16 years of industry experience. She has worked at BLACKROCK since 2013 and is currently associated with both Commonwealth Financial Network and Five Point Wealth Advisors. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of nearly 2,900 affiliated advisors and managing approximately $212.7 billion in client assets. The firm provides a wide range of managed account programs, third-party asset manager access, and custody services, supporting advisors with both discretionary and nondiscretionary portfolio management options.

Martin Czerwonka is a financial advisor at Schwab Wealth Advisory with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at USAA Financial Advisors and USAA Investment Services Company. Outside of his advisory work, he manages a cabin rental through Airbnb on a limited basis. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab’s asset-allocation models and research tools. The firm typically recommends separately managed accounts and does not exercise discretionary trading authority.

Sarah Stevenson is a financial advisor at Brookstone Capital Management LLC in Phoenix, AZ, holding Series 65 and Series 63 licenses with one year of industry experience. Prior to joining Brookstone, she worked at Capital Insight Partners and The Vanguard Group, Inc. Outside of finance, she is a Pilates instructor with Reformed Pilates and has worked as a clothing model under contract with Arizona Model Management. Brookstone Capital Management provides fee-based asset management and financial planning to individuals, retirement plans, corporations, trusts, and other business entities. The firm offers discretionary portfolio management through a turnkey asset management platform involving strategic asset allocation models, a mix of investment vehicles, and a combination of internal and external sub-advisors.

Jeremy Cheatham is a financial advisor with Carson Wealth, holding Series 63 and Series 65 licenses and three years of industry experience. His background includes roles at Silverhawk Private Wealth, Transcend, and the National Bank of Arizona. Outside of his advisory work, he is involved as a silent partner in Cheatham Connection Group, LLC. CWM, LLC operates an enterprise platform with over 650 advisors managing approximately $50.6 billion. The firm offers discretionary asset management, financial planning, retirement plan services, and customized investment solutions supported by an Investment Committee and integrated technology relationships.

Zachary Green is a financial advisor at Carson Wealth with 12 years of industry experience. He holds the Series 66 designation and has held roles at Silverhawk Private Wealth, Silverhawk Asset Management, LPL Financial, and OneAZ Credit Union. Outside of advisory work, he is also an insurance agent with Silverhawk Insurance Services. CWM, LLC is an SEC-registered investment adviser operating an enterprise platform with over 650 advisors and approximately $50.6 billion in assets under management. The firm provides discretionary asset management, financial planning, and retirement plan services, relying on an Investment Committee to construct and monitor model portfolios while offering tailored solutions such as custom indexing and alternative investments.

Brett Blau is a financial advisor with Focus Partners Wealth, LLC in Scottsdale, AZ, holding a Series 65 designation and three years of industry experience. Prior to joining Focus Partners Wealth, he worked at Prairie Capital Management Group, LLC and DeMarche. He also has experience outside the advisory industry, including roles at Rockhurst University and Indian Hills Country Club. Focus Partners serves individuals, high-net-worth families, family offices, corporate, and institutional clients with a range of wealth management and advisory services. The firm’s investment approach emphasizes long-term, tax- and fee-sensitive portfolio construction using an enhanced open architecture framework that blends active and passive strategies, third-party managers, and private funds.

Peter Hirsch is a financial advisor with Osaic Advisory Services, LLC, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked at Sagepoint Financial, Inc. since 2009 and previously at Sunamerica Securities, Inc. from 1998 to 2005. Osaic Advisory Services, LLC is an SEC-registered enterprise adviser serving a diverse client base that includes individuals, pension plans, corporate and charitable entities, and sovereign wealth funds. The firm offers a range of investment programs, retirement plan consulting, and access to alternative investments through platform relationships and affiliated managers.

Anne Sailer is a ChFC® credentialed financial advisor with 23 years of industry experience. She currently works at Schwab Wealth Advisory, Inc., where she has been since 2019. Prior to that, she held various roles at USAA financial entities from 2007 through 2019. Outside of financial advising, she is an author publishing non-financial books, including journals and how-to guides, on platforms such as Amazon and Audible. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients in the Schwab Wealth Advisory program. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and internal research tools, with recommendations tailored to each client’s goals and risk tolerance.

Tyson Sterling is a financial advisor with United Planners Financial Services of America, holding Series 65 and Series 66 credentials and 24 years of industry experience. He has been with United Planners since 2010 and also operates as an independent insurance agent specializing in non-variable insurance. Sterling served with the Arizona Interscholastic Association for 14 years and is involved with Jaimee Rose Style LLC, a defined benefit pension plan employer. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, and institutional clients. The firm offers financial planning, portfolio management, retirement plan services, and brokerage solutions through an open-architecture platform utilizing multiple custodians and third-party money managers.

Heidi Joslin is a financial advisor with Independent Financial Partners, holding Series 66 and Series 63 licenses and eight years of industry experience. Her prior work includes roles at Wells Fargo Clearing and Wells Fargo Bank NA. Outside of her advisory work, she is involved in business development and client services with Cogent Wealth Management. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent representatives. The firm supports a multi-advisor platform serving individual, charitable, corporate, and high-net-worth clients, with notable capabilities in retirement-plan advisory and pension consulting.

Rebecca Kennell is a CFP® professional with 25 years of experience in the financial services industry. She has been with Commonwealth Financial Network since 2004. Outside of her advisory role, she is involved in music and entertainment as a consultant and owns Musica, LLC, a concert production and support company. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides advisory programs, wealth management, and retirement plan consulting, supporting advisors with operations, trading, technology, investment management, compliance, and practice management.

Frank Gesuale is a financial advisor at NewEdge Advisors with eight years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Intelligence Driven Advisers, LLC, LDIntelligence, LLC, and Hightower Advisors. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations through a network of independent advisers. The firm offers a variety of portfolio management and consulting services, utilizing multiple program structures and technology tools to support advisor and client needs.

Eddie James is a financial advisor at Brookstone Capital Management LLC with six years of industry experience. He holds the Series 66 designation and has worked at several firms including Raymond James and Spring Venture Group. In addition to his advisory role, he is involved in insurance sales. Brookstone Capital Management is an SEC-registered adviser that provides fee-based asset management and financial planning through a turnkey asset management platform and wrap-fee program. The firm serves a broad client base including individuals, retirement plans, corporations, charitable organizations, other registered investment advisers, sovereign wealth funds, and banking or thrift institutions.

Jacob Nordquist is a CFP® with three years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. in Phoenix, AZ. He has been with Schwab Wealth Advisory since 2025 and has previously worked at Charles Schwab & Co., Inc. Outside of finance, he has experience working in the restaurant industry, including time at Gen Korean BBQ and PK Shabu. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is guided by Schwab's internal research and standard asset-allocation models, with a focus on tailored recommendations and client authorization for trades.