John Ross is a financial advisor with Kestra Advisory who holds Series 63 and Series 65 credentials and has 31 years of industry experience. He has been with Kestra Advisory since 2016 and has a long tenure with Kestra Investment Services, LLC dating back to 2003. Ross co-owns National Investment Advisors, Inc., a registered representative business affiliated with Kestra. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base including plan sponsors and institutional and individual investors. The firm offers a range of fiduciary services and access to multiple management platforms and third-party solutions, serving large institutional clients alongside retail investors.

Patrick Kilkenny is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and four years of industry experience. His background includes roles at Charles Schwab & Co., Inc., Wal-Mart, and various local businesses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual 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.

Thomas Travaglini is a CFP® professional with seven years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. Prior to joining Schwab Wealth Advisory in 2022, he worked at Charles Schwab and Co., Inc. and has experience in the hospitality industry with Omni Hotels. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations using Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly for its services.

Vincent Tang is a financial advisor at Schwab Wealth Advisory with 17 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 66 licenses. Tang has been with Schwab Wealth Advisory since 2012 and has been associated with Charles Schwab since 2008. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers services including annual financial reviews, retirement planning, and investment recommendations, utilizing Charles Schwab’s asset allocation models and research tools while leaving final trading decisions to clients.

Justin Free is a financial advisor with Schwab Wealth Advisory, holding CFP® and Series 66 credentials and 15 years of industry experience. His prior roles include positions at Morgan Stanley, Wells Fargo Clearing Services, Bank of America, and Merrill. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations utilizing Schwab’s proprietary 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, distinguishing its service model from many enterprise wealth managers.

William Prosser is a financial advisor with Valic Financial Advisors in Phoenix, AZ, holding Series 63 and Series 66 licenses and having six years of industry experience. His prior work includes positions at Usaa from 2013 to 2022 and Agia since 2022. Outside of his advisory role, he is an agent for Agia, involved in non-securities insurance products. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet UMA models to construct client portfolios.

Frank Kirby Jr. is a CFP® with 26 years of industry experience, currently affiliated with United Planners' Financial Services of America as a Limited Partner. His career includes roles at FireSky Financial, Inc., Rogers & Kirby Enterprise, and Agape Insurance Partners. He volunteers to facilitate financial and estate workshops, including sessions based on Dave Ramsey’s Financial Peace University, at Dream City Church in Phoenix, AZ. United Planners Financial Services serves a diverse client base including individuals, corporations, and charitable organizations, offering financial planning, portfolio management, retirement plan services, and brokerage solutions through a network of 477 independent advisors. The firm operates an open-architecture platform with multiple custodians and third-party money managers, with a significant portion of assets managed on a non-discretionary basis.

David Vincent is a CFP® professional with 16 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory Inc. since 2012. He has worked at Charles Schwab & Co., Inc. since 2010. Based in Phoenix, AZ, his credentials include Series 63 and Series 66 licenses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice through standardized asset allocation models and research tools while clients retain final trading decisions.

Travette Keyes is a financial advisor at Empower Advisory Group with Series 66 and Series 63 designations and two years of industry experience. Prior to joining Empower, he worked at Charles Schwab & Co., Inc. and The Vanguard Group, Inc. His diverse background includes roles in insurance, retail, and community involvement. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants. The firm’s integrated model supports both point-in-time financial plans and optional managed account solutions, with a focus on long-term portfolio returns and client savings rates.

Joseph Kabaki is a CFP®-designated financial advisor with eight years of industry experience. He is currently with Steward Partners Investment Advisory, LLC and has previously worked at Ameriprise Financial Services, LLC, Raymond James Financial Services, Inc., and Jackson Roskelley Wealth Advisors, Inc. Outside of advising, Kabaki serves as Treasurer on a nonprofit board. Steward Partners Investment Advisory, LLC is an enterprise-scale, SEC-registered RIA managing approximately $36.7 billion in assets. The firm serves individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations, offering diverse investment advisory and financial planning services through both discretionary and non-discretionary portfolio management.

Charles Pascu is a CFP®-certified financial advisor at Eagle Strategies (NY Life) with 31 years of industry experience. He has been with Eagle Strategies and affiliated entities since 2013. From 2017 to 2018, he was employed at Uber. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to a diverse client base, including individual investors and institutional sponsors. The firm emphasizes tailored recommendations and offers multiple program types, managing the majority of assets on a non-discretionary basis through its integrated relationship with New York Life.

Charles Carter is a financial advisor with Commonwealth Financial Network in Phoenix, AZ, holding the ChFC® designation and Series 63 license. He has 30 years of industry experience and has been with Commonwealth and Camelback Retirement Planners since 2013. Carter is also a co-owner of DMCC, LLC, a private entity involved in securities, advisory, and insurance business operations. Commonwealth Financial Network is a national registered investment adviser supporting approximately 2,950 advisors with a range of advisory programs and services. The firm provides operational, trading, technology, investment management, compliance, and practice-management support, enabling advisors to offer customized portfolio solutions and discretionary model portfolios.

T Powell is a CFP® professional with 14 years of industry experience, currently serving as a financial advisor at Beacon Pointe Advisors, LLC since 2021. His prior experience includes roles at Ameriprise Financial Services, Inc., Massachusetts Mutual Life Insurance Company, and Stonegate Capital Advisors. In addition to his advisory work, he is an agent with Beacon Pointe Insurance Services, focusing on the sale of life, health, and accident insurance products. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse client base including individuals, institutions, charitable organizations, and retirement plans. The firm employs a manager-driven investment approach, utilizing a proprietary “Focus List” and a combination of active and passive strategies, while also sponsoring proprietary investment vehicles and serving as a general partner for multiple private funds.

Jeffrey Cary is a financial advisor at Schwab Wealth Advisory with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Schwab Wealth Advisory since 2012, having worked at Charles Schwab since 1999. Jeffrey is based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem, delivering advice using standard asset allocation models and Schwab research tools, while leaving final trading decisions to clients.

Yvonne Dolny is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She has been with Charles Schwab and its affiliated entities since 2004, including 11 years at Charles Schwab Bank before joining Schwab Wealth Advisory in 2019. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem, using its proprietary research tools and standard asset allocation models, while clients retain final trading decisions.

David Bonar is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and 10 years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2015, including roles at Charles Schwab Bank SBB and Schwab Wealth Advisory. 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. The firm delivers annual financial reviews and investment recommendations while leaving final trading decisions to clients.

Taylor Thompson is a CFP®-certified financial advisor with 12 years of industry experience. He currently works at Schwab Wealth Advisory, Inc. and has previously held roles at The Vanguard Group and various Charles Schwab entities. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews and investment recommendations using Schwab’s proprietary 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 or manage accounts on a discretionary basis.

Eric Verhulst is a financial advisor at Rockefeller Financial LLC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Bank of America and Merrill. Outside of his advisory role, he is involved in managing several LLCs related to vehicle sharing. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, institutional clients, retirement plans, foundations, and corporations. The firm provides portfolio management, financial planning, and consulting through a Private Advisor model and a consolidated investment platform that includes discretionary and non-discretionary solutions across equities, fixed income, and alternatives, while also operating as a registered broker-dealer.

Jamie Phillips is a Series 66-licensed financial advisor with seven years of industry experience. He has worked with Empower Advisory Group and Empower Financial Services since 2022, and previously held positions at Fidelity Brokerage Services and Morgan Stanley. Prior to his financial services career, he was employed at Lakeside Fitness Center for six years. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain retail brokerage clients. The firm integrates its services with Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Jake Scanlon is a financial advisor with Schwab Wealth Advisory, holding Series 66 and Series 63 licenses and bringing five years of industry experience. His prior roles include positions at Charles Schwab and The Vanguard Group. Outside of finance, he is involved in a family business that provides consulting services for home remodeling. Schwab Wealth Advisory delivers non-discretionary fiduciary investment advice to clients enrolled in its program, utilizing Schwab’s asset allocation models and research tools. The firm focuses on annual financial reviews and investment recommendations while clients retain final trading authority.