Joseph Costello is a financial advisor at Vanguard Advisers with 19 years of industry experience. He holds Series 63 and Series 66 designations and has been with Vanguard since 2006 in various roles, including his current position starting in 2020. Outside of his advisory work, he serves as a fiduciary agent and manages a 529 plan custodian role. Vanguard Advisers offers automated and human-supported investment advice through digital and personal advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach, employing proprietary methodologies to construct tax-aware portfolios largely composed of Vanguard funds and ETFs.

Linda Handley is a financial advisor with Wells Fargo Clearing in Scottsdale, AZ, holding a Series 63 designation and 35 years of industry experience. She has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Michael Self is a CFP®-certified financial advisor with 34 years of industry experience. He has worked at Cetera since 2020 and previously spent 15 years with First Financial Equity Corp. In addition to his advisory work, he serves as a trustee managing client trusts and acts as a power of attorney for a family friend. He is affiliated with Cetera Investment Advisers LLC, an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a variety of investment management and retirement services, including access to multiple program structures and third-party managers.

Walker Boyd is a financial advisor with UBS Financial Services in Scottsdale, AZ, holding a Series 66 credential and four years of industry experience. Before joining UBS in 2023, he worked at The Vanguard Group for one year. Outside of advisory roles, he has also worked in delivery services for companies like DoorDash and Amazon. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services to deliver tailored financial planning and portfolio management.

Brian Mc Ginty is a CFP® professional with 35 years of experience in the financial services industry. He currently works at Charles Schwab and has previously held positions at TD Ameritrade, Carillon Fund Distributors, and Oppenheimerfunds. 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 advisory relationships and access to discretionary separately managed accounts, using multi-asset model portfolios and a centralized operational structure.

John Rivera is a CFP®-certified financial advisor with Ameriprise in Scottsdale, AZ, and has four years of industry experience. Prior to joining Ameriprise, he worked at The Vanguard Group, Inc. for three years. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing annual advice focused on dependable income sources and tax-aware withdrawal strategies.

Ryan Richter is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has been with The Vanguard Group since 2011. Outside of his advisory role, he owns and operates two businesses: an e-commerce company that sells kits to assist parents of special needs children, and a real estate firm focused on residential property transactions. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to construct portfolios primarily from Vanguard funds and ETFs, offering a range of customization options and managing a large client base through its digital platform and extensive advisor team.

Ryan Taccolini is a financial advisor with Osaic, holding a Series 66 designation and 12 years of industry experience. He has been with Securities America Inc since 2013 and also has a role in compliance at Securities America Advisors. Outside of advisory services, he is involved in a sanitation business. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools, operating through a complex network of affiliated broker-dealer and RIA relationships.

Kenneth Escoto is a financial advisor at Merrill with 10 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2015, also working at Bank of America, N.A. during the same period. Outside of his advisory role, he serves as a consultant and independent contractor for the National Hot Rod Association, assisting with ushering and crowd management at events. Merrill, along 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors, supporting a range of account types with trading, administration, and custody services.

Nicholas Wallace is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and seven years of industry experience. His prior work includes roles at the AZ Department of Public Safety and healthcare facilities before joining Charles Schwab in 2018. Outside of financial advising, he operates small woodworking and custom design businesses. Charles Schwab & Co., Inc. serves a broad 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 and discretionary investment management supported by an integrated operational structure.

David Dorward is the Senior Resident Director of the Phoenix office and a Managing Director at Merrill Lynch Wealth Management. He began his career in the financial services industry in 1995 and joined Merrill Lynch Wealth Management in 1997. His professional focus is on serving ultra-high net worth clients, including corporate executives, professional athletes, physicians, retirees, and business owners. As a Portfolio Manager, he manages personalized or defined discretionary investment strategies that may include individual stocks and bonds, Merrill Lynch Wealth Management model portfolios, and third-party strategies. He holds professional designations such as Chartered Retirement Planning Counselor™ (CRPC™) and Certified Plan Fiduciary Advisor® (CPFA®) and is recognized as a Forbes Best in State Wealth Advisor from 2019 to 2026. He holds multiple FINRA registrations including Series 7, 63, 65, 52, 31, 9, and 10 Securities Principal. David earned his Bachelor's degree from Northern Arizona University and is an Arizona native. He is a graduate and alumnus of Scottsdale Leadership Organization (Class XXI). His community involvement includes serving on the Board of Directors for the Fiesta Bowl organization. He has also dedicated time to several local charities and served as a Reserve Volunteer for the Paradise Valley Police Department.

Christopher Molina is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 designations and 14 years of industry experience. His prior work includes roles at USAA Investment Management Co., USAA Financial Advisors, APEX Systems, Fisher Investments, and Scottrade. Charles Schwab 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, utilizing multi-asset model portfolios, written advice policies, and alternative investment due diligence.

Samuel Meza is a financial advisor with Vanguard Advisers based in Scottsdale, AZ. He holds a Series 66 designation and has 11 years of industry experience. His prior experience includes roles at Morgan Stanley, BMO Bank, Bancwest Investment Services, Bank of America, and Merrill. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, serving retail investors and retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and primarily Vanguard funds and ETFs, and it manages a large client base with a high client-to-advisor ratio through its scalable digital platform and team servicing model.

Sophia Nipp is a financial advisor with J.P. Morgan Securities in Scottsdale, AZ, holding a Series 66 designation and two years of industry experience. Her prior roles include positions at Morgan Stanley and Barton & Associates Inc. Outside of finance, she has worked in various other fields including at TN Air and Moondance Grill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research and integrates an ESG eligibility framework, supported by affiliates for implementation and portfolio services.

Virginia Rueth is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. She has been with Charles Schwab since 2006. 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by a large-scale integrated structure and a formal alternative investment process.

Matthew Puttroff is a financial advisor at Vanguard Advisers with 19 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at TIAA and Fidelity. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach that incorporates proprietary models and a wide range of customization options.

Teresa Di Gregorio is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 66 licenses with six years of industry experience. She has previously worked at HUB International and Cresset Asset Management, and held roles within The Vanguard Group and its related entities. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible employer-sponsored retirement plan participants, utilizing a goal-based, algorithm-driven approach primarily built around Vanguard funds and ETFs. The firm manages a high volume of client relationships through its digital platform and a large team of advisors.

Tedda Rogers is a financial advisor at Charles Schwab with 30 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Charles Schwab since 2018, following prior roles at USAA Financial Planning Services and related entities. Outside of her advisory work, she owns a storage rental business providing space for vehicles and belongings. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its 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 utilizes multi-asset model portfolios supported by centralized operational and custody services.

Jana Frydman is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and 14 years of industry experience. She has been with Charles Schwab since 2010. Charles Schwab 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 non-discretionary client relationship model with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and operational services.

Wesley McCalley is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 credentials and bringing 19 years of industry experience. He has been with Vanguard in various capacities since 2005, including his current role at Vanguard Advisers since 2018. Vanguard Advisers provides both automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach with portfolios constructed mainly from Vanguard funds and ETFs, supported by a large team of advisors managing a high volume of client relationships.