Ray Jonas is a financial advisor at Fidelity with 32 years of industry experience. He holds Series 63 and Series 66 designations and has worked in various roles at Fidelity since 1993, including positions at Fidelity Brokerage Services, Inc., Fidelity Personal and Workplace Advisors, and Fidelity Investments. Fidelity's Strategic Advisers LLC, where he is affiliated, provides investment management and advisory services to a diverse client base that includes retail and institutional investors, registered investment companies, and an IRS-qualified Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios and serves a unique role among large institutional peers through its regulatory registrations and use of AI-driven methodologies.

Alvaro Galvez Jr. is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and eight years of industry experience. He has been with Vanguard Advisers since 2020 and is also affiliated with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2018. Prior to joining Vanguard, he spent two years at the University of Georgia and over a decade as a self-employed professional. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven approach using proprietary models and primarily constructs portfolios from Vanguard funds and ETFs, offering a range of customization options and tax-aware features.

Sabino Vargas is a CFP® certificant with 15 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2016. His prior roles include positions at Wonder, Division of Balderdash, Inc., and ongoing affiliation with Vanguard Marketing Corporation and THE Vanguard Group, Inc. Vanguard Advisers provides both automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach to portfolio construction, utilizing Vanguard funds and ETFs alongside various customization options.

Brandon Vecchio is a financial advisor with OSAIC in Scottsdale, AZ, holding a Series 66 designation and 16 years of industry experience. His prior work includes positions at Securities America Advisors and Securities America Inc. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by various tools and options for discretionary and advisor-managed strategies.

Christine Gillespie is a financial advisor at Morgan Stanley with 13 years of industry experience. She holds Series 63 and Series 65 registrations and has been with Morgan Stanley Smith Barney LLC since 2015. Outside of her advisory role, she is involved with the Oakbrook Village North Condo Association. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm utilizes structured discovery processes and firm-approved tools in its planning approach and manages approximately $2.74 trillion in client assets.

Natalie Flamm Stutenroth is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 28 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and previously held roles at Wells Fargo Investments and Banc of America Investment Services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Michael Caplice is a financial advisor at Charles Schwab with 10 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank, Charles Schwab, Bank of America, and Merrill. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals. The firm offers a combination of non-discretionary and discretionary investment advisory services, integrating multi-asset model portfolios, alternative investments, and centralized custodial and supervisory arrangements.

Aaron Berger is a Wealth Management Advisor based in Arizona with a career in financial advisory services since 1994. He specializes in creating customized financial strategies aimed at helping clients simplify their financial lives and pursue long-term goals. Aaron works closely with clients' families across generations, as well as their attorneys and CPAs, to maintain collaborative support in managing wealth. His areas of focus include employee financial health, legacy planning, liquidity management, retirement income, tax minimization, philanthropic planning, and socially responsible investing. Aaron earned a Bachelor's Degree in Finance from Arizona State University in 1993 and a Master's Degree from the University of Phoenix. He holds the CERTIFIED FINANCIAL PLANNER® (CFP) and Chartered Retirement Planning Counselor (CRPC) professional designations. He is also recognized as a Personal Investment Advisor (PIA). Aaron has been active in the Arizona community, serving on the Board of Directors for Lura Turner Homes and contributing as a Foundation Giving Member of the Delta Sigma Pi Leadership Foundation. He is an active distance runner and member of the Arizona Road Racers, volunteering regularly at trail races across the Southwest. Aaron’s professional approach focuses on developing personalized financial strategies through one-on-one collaboration, with a commitment to addressing clients' unique objectives and involving relevant advisors as needed.

Robert Beatty is a financial advisor with OSAIC based in Scottsdale, AZ, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has worked at Osaic Wealth, Inc. since 2018 and has roles at Vantage Financial Services dating back to 2017, among other prior positions. He is the owner and founder of C.O.R.E. Marketing, which provides marketing services for fixed and variable life insurance, annuities, and other insurance products to financial professionals. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by model-based asset allocation, portfolio optimization tools, and multiple program options, distinguishing itself through its large scale, complex affiliate network, and private-equity ownership.

Cheri Keene is a financial advisor with LPL Financial in Phoenix, AZ, holding Series 63 and Series 66 licenses and having 18 years of industry experience. She has worked at LPL Financial since 2015 and concurrently serves at the National Bank of Arizona since 2014. Keene also holds a role as a business development officer and trading manager at Zions Trust. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced operational and research tools.

Nancy Huynh is a financial advisor at Fidelity with eight years of industry experience. She holds Series 65 and Series 63 licenses and has worked at Fidelity Investments since 2020, as well as previously at Charles Schwab & Co., Inc. and USAA Financial Advisors Inc. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as an adviser to multiple registered investment companies and uses systematic methodologies in managing model portfolios.

Antonio Zapata is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and 21 years of industry experience. His prior roles include positions at AssetMark Brokerage, AssetMark Financial Holdings, Financial Engines Advisors, Wells Fargo Clearing, and The Vanguard Group. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management services supported by centralized custody and operational resources.

Elanie Wilson is a Series 66 licensed financial advisor with Vanguard Advisers, based in Scottsdale, AZ, with two years of industry experience. Her prior work includes roles at Randstad, Porter Labs Inc., Ylopo LLC, and Yelp Inc. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through a combination of automated and human-supported investment services. The firm employs a goal-based, algorithm-driven approach using proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Kyle Ricker is a financial advisor at Charles Schwab with 15 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab since 2011. Charles Schwab 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 supported by in-house research and alternative investment due diligence.

Richard Auck is a financial advisor at Charles Schwab with 26 years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes six years at Optionsxpress, Inc., and over two decades at Charles Schwab and Charles Schwab Bank. 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 a combination of non-discretionary and discretionary investment management supported by multi-asset model portfolios and Schwab’s Alternative Investments Select program.

Jacob Hershberg is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2004. He holds a Series 63 license and is based in Scottsdale, AZ. Hershberg has spent his entire advisory career with The Vanguard Group, Inc. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach to asset allocation, utilizing proprietary models and largely Vanguard funds and ETFs to create personalized portfolios.

Andrew Rowland is a financial advisor at Vanguard Advisers with six years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones and Edward Jones Trust Company. He is based in Scottsdale, AZ. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, using a goal-based and algorithm-driven approach that incorporates proprietary models and largely Vanguard fund portfolios. The firm serves a large client base with a digital delivery platform supported by more than 2,200 advisors.

Ivaylo Dimov is a financial advisor at Charles Schwab with 12 years of industry experience. He holds the Series 66 designation and has been with Charles Schwab since 2013, including time at Charles Schwab Bank, SSB since 2025. 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 a large-scale client base with a dual-registered broker-dealer and investment adviser structure, offering both non-discretionary and discretionary investment options supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Tyler Endersby is a financial advisor with Equitable Advisors in Scottsdale, AZ. He holds the Series 66 designation and has one year of industry experience. His prior roles include positions at Ryleigh Wealth Management and Northern Arizona University. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and a range of asset-management programs through a network of Investment Adviser Representatives, utilizing various third-party managers and proprietary advisory tools.

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.