Tessa Garnett is a financial advisor with J.P. Morgan Securities in Phoenix, AZ, holding a Series 66 designation and four years of industry experience. She previously worked at BMO Harris Bank for nine years before joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2022. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Douglas Hodges is a financial advisor with Morgan Stanley in Scottsdale, AZ, holding a Series 66 designation and 19 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, Hodges has served as an instructor’s assistant for the Center for Wealth Management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and scenario modeling as part of its financial planning process.

Jeremy Cook is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 18 years of industry experience. He previously worked at Metlife Securities Inc for 10 years and has been with Mass Mutual Investors Services since 2017. Outside of his advisory role, he is an independent insurance agent licensed to sell life, accident, health, and property & casualty insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved software tools to analyze client goals and deliver written recommendations.

Connor Standring is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 66 licenses and five years of industry experience. He has been with Vanguard Advisers since 2023 and is also associated with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2021. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and eligible retirement plan participants. The firm employs a goal-based, algorithm-driven approach using proprietary methodology to construct portfolios predominantly from Vanguard funds and ETFs, with a focus on scalability through its digital platform and team servicing model.

Shawn Perona is a financial advisor at Cetera with 10 years of industry experience. He holds a Series 66 designation and has worked previously at JPMorgan Chase Bank, J.P. Morgan Securities, Merrill, Bank of America, AXA Advisors, and Rocket Mortgage. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary programs.

Nicholas Brassill is a financial advisor with Raymond James & Associates in Scottsdale, AZ. He holds a Series 66 designation and has been with the firm since 2025. Prior to joining Raymond James, he held various roles including positions at Mirabel Golf Club Inc. and Paradise Valley Country Club. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, charitable organizations, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a range of portfolio management styles and affiliated research.

Andrew Ferolino is a financial advisor at Vanguard Advisers with one year of industry experience. He holds the Series 66 designation and has previously worked with firms including Barrett Real Estate and Charles Schwab & Co., Inc. 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, offering portfolios primarily composed of Vanguard funds and ETFs, with various customization and tax-aware features.

Petr Chytka is a financial advisor at Morgan Stanley with 16 years of industry experience. He has been with Morgan Stanley since 2010 and has worked at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he coaches youth hockey for the Coyote Amateur Hockey Association and participates as a contractor in the CEM Arizona Youth Hockey Development Camp. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and advisory programs supported by structured planning tools and investment modeling.

Kyle Decker is a financial advisor with Wells Fargo Advisors in Scottsdale, AZ, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has been with Wells Fargo Advisors or affiliated entities since 2009. Outside of his advisory work, Decker is involved in local networking groups and serves in leadership roles within community organizations. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a broad range of investment and fee-based financial planning services. The firm provides tailored recommendations supported by proprietary research and planning tools, integrating advisory services with banking and other financial product offerings.

Ann Mathey is a financial advisor at Morgan Stanley in Scottsdale, AZ, with 30 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked for Icon Distributors, Inc. and Icon Advisers, Inc. for 15 years before joining Morgan Stanley in 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets, using structured processes and firm-approved tools to support client planning.

Michael Ortola is a financial advisor with Cetera, holding a Series 66 credential and four years of industry experience. He has worked at several firms, including Vanguard Group and Morgan Stanley, and currently provides financial advisory services through Netvest Financial, LLC. Outside of his advisory work, he is involved in real estate activities as an agent and owner of a real estate business. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving a wide range of clients, including individuals, retirement plans, and institutional accounts. The firm offers diverse portfolio management options, financial planning, and access to third-party managers, operating a multi-manager platform with more than $256 billion in assets under management.

Christopher Tatton is a financial advisor with Vanguard Advisers, holding a Series 66 designation and six years of industry experience. He has worked at Vanguard and its affiliates since 2019 and previously held roles at Randstad, GBS Retire, Utah Valley University, and GBS Benefits. Vanguard Advisers delivers automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven approach using proprietary models to construct portfolios primarily from Vanguard funds and ETFs, offering various customization options and tax-aware features.

Carly Kaiser is a financial advisor with Morgan Stanley in Tempe, Arizona, holding Series 63 and Series 66 licenses and nine years of industry experience. She previously worked at The Vanguard Group, Inc., Fleetmatics/Verizon Telematics, and Foresters Financial Services. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Andy Garcia is a CFP® and Series 66 credentialed advisor with 24 years of industry experience. He has been with The Vanguard Group, Inc. since 2002. Based in Scottsdale, AZ, he serves clients through Vanguard Advisers. Vanguard Advisers offers 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 management, utilizing proprietary models and primarily Vanguard funds and ETFs.

Braden Bailey is a financial advisor with Vanguard Advisers, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Corient Capital Partners and various educational institutions including Brigham Young University and Salt Lake Community College. Vanguard Advisers provides investment advice through both automated and human-supported platforms, serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary methodologies, primarily utilizing Vanguard funds and ETFs.

Christopher Rowan Jr. is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 66 licenses and having three years of industry experience. His prior work includes positions at Morgan Stanley Smith Barney, Fidelity Investments, and other financial and non-financial organizations. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm’s investment approach is goal-based and algorithm-driven, utilizing proprietary methodologies to deliver personalized asset allocations largely constructed from Vanguard funds and ETFs.

Seth Wolnek is a CFP® professional with 29 years of industry experience. He is currently affiliated with OSAIC and has a long tenure at First Financial Group, where he has worked since 1997. Wolnek serves on the board of the Birmingham Jewish Federation, a nonprofit organization. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage, advisory services, and access to third-party money managers. The firm employs various tools for portfolio construction and supports multiple advisory platforms, including unified managed accounts and model portfolios.

Dale Gambell is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His career includes roles at USAA Financial Planning Services and its affiliated companies from 2007 to 2021 before joining The Vanguard Group in 2021. Vanguard Advisers offers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, employing a goal-based, algorithm-driven approach that utilizes Vanguard funds and ETFs with tax-aware features. The firm manages a large client base through its digital platform and team servicing model.

Edward Sarraf is a Senior Financial Advisor at Merrill Lynch Wealth Management. He collaborates with a team of wealth-management professionals to provide a broad range of financial strategies aimed at high net worth individuals and businesses. His comprehensive approach to wealth management encompasses investing, estate planning strategies, retirement planning strategies, concentrated stock positions, alternative investments, life insurance, and corporate relationship management. Ed earned a Bachelor of Science degree in Personnel Management from the University of Arizona Business School in 1991. He began his financial services career with Merrill Lynch Wealth Management in 1992 as a 401(k) representative at the World Financial Center in Manhattan, NY. After nine years working as a NASDAQ and hedge-fund trader, he returned to Merrill Lynch in 2004. Ed holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Residing in North Scottsdale with his wife and daughter, Ed is an active member of the Senior Business to Business Networking group. In his spare time, he enjoys playing recreational ice hockey, a long-standing personal interest.

Dante Colarusso is a financial advisor at Vanguard Advisers with four years of industry experience and holds a Series 66 designation. His prior roles include positions at Bank of New York Mellon and various organizations spanning finance and retail sectors. He serves as a local representative for NACEL Open Door, a nonprofit that vets host families for international students. Vanguard Advisers provides both 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 with proprietary models and primarily invests in Vanguard funds and ETFs.