Steven Thomas is a financial advisor at Fidelity with 13 years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes roles at USAA Investment Services Company and USAA Financial Planning Services. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction, delivering model portfolios through systematic methodologies and long-term asset allocation benchmarks.

Nicholas Luitgaarden is a financial advisor at Edelman Financial Engines with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including The Vanguard Group and CCO Capital. Outside of advising, he is an owner and partner of NW Property Network, a residential real estate business. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and serves a large client base through advisor-led and online platforms.

Mitch Hatton is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2025. In this role, he provides clients with personalized financial services and collaborates with them to develop investment strategies aligned with their financial objectives. He has been with Fidelity Investments since 2016, progressing through various roles including Financial Representative, Investment Solutions Representative, Central Relationship Manager, Relationship Manager, Investment Consultant, and Financial Consultant. This experience has equipped him with a broad understanding of investment and client relationship management. Outside of his professional work, Mitch is interested in comedy, fitness, movies, parenthood, pets, and traveling.

Kristin Johnson is a financial advisor at Cetera with 24 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Cetera since 2019. Previously, she was with Foresters Financial Service from 2002 to 2019. She serves as Vice President of a networking group, managing education tracking and referral activities. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party money managers.

Sharon Welch is a financial advisor at LPL Financial with 13 years of industry experience. She holds the Series 63 and Series 66 designations and previously worked at Merrill for 11 years before joining LPL Financial in 2023. 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 range of advisory and brokerage services including financial planning, model portfolio programs, and institutional platforms, supporting a network of over 22,800 advisors.

Andrew Castor is a financial advisor at Merrill with Series 66 credentials and 10 years of industry experience. He has been with Merrill since 2015 and concurrently associated with Bank of America, N.A. since 2018. Outside of his advisory role, he is a general partner and managing member of A-Squared Capital Management LLC, a firm focused on investment real estate in Scottsdale, Arizona. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm delivers model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, and institutional investors.

Kristine Krahn is a financial advisor at LPL Financial with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at BMO Bank NA. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Joseph McNaughton is a Senior Financial Advisor at Merrill Lynch Wealth Management based in Phoenix, Arizona. He assists a diverse client base including multi-generational families, C-suite executives, young professionals, physicians, business owners, and athletes. With over 10 years of experience, Joseph focuses on uncovering his clients' financial goals and working collaboratively to help them achieve those ambitions. His areas of expertise cover retirement planning tailored to desired lifestyle and income needs, goals-based wealth management strategies, tax-efficient financial strategies, trust and estate planning, legacy planning, executive services such as diversifying concentrated stock options and 10b5-1 plan execution, business owner services including succession and growth planning, as well as banking, liquidity, lending solutions, and alternative investments like private equity and hedge funds. Joseph emphasizes individualized and sophisticated recommendations combined with high-quality client service. Joseph holds a Bachelor's Degree from Arizona State University and the Personal Investment Advisor (PIA) designation. He is a member of the Arizona Country Club and Saint Theresa Dad's Club, and volunteers with the United Way, reflecting his commitment to community involvement.

Sean Bowers is a financial advisor at Edelman Financial Engines in Phoenix, AZ, holding a Series 65 designation with four years of industry experience. He previously worked at USAA from 2010 to 2020 and has been with Edelman Financial Engines since 2021. Edelman Financial Engines provides technology-enabled investment advisory services focusing on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios and serves a large client base through both advisor-led and online platforms.

Michael Hudak is a Private Wealth Advisor with Merrill Private Wealth Management. He has over 28 years of experience providing advice and guidance on complex wealth management issues to high-net-worth families, business owners, entrepreneurs, and corporate executives. His expertise includes legacy planning, liquidity management, managing new wealth, philanthropic planning, retirement income, tax minimization, and both individual and corporate investment strategies. Michael focuses on developing integrated, goals-based financial strategies tailored to clients' short- and long-term investment objectives and managing the personal and financial impacts of liquidity events on entrepreneurs and business owners. Michael joined Merrill Lynch Wealth Management in 2002 after serving eight years as an Executive Director at Morgan Stanley Private Wealth Management in Chicago. Prior to his career in wealth management, he worked in the real estate development division of JMB Realty Corporation. He holds a bachelor's degree in business administration from Southern Methodist University and an MBA in finance from Northwestern University. Michael is also a qualified Portfolio Manager and a Personal Investment Advisor (PIA). Residing in both Chicago, Illinois, and Paradise Valley, Arizona, Michael and his wife Alison have two daughters and two sons. In his leisure time, he enjoys biking, boating, golfing, hiking, and tennis. He has been recognized consistently on Barron’s "Top 1,200 Financial Advisors" list since 2009 and was named to Forbes' “Best-in-State Wealth Advisors” list for the third consecutive year in 2024.

Emily Buehler is a financial advisor with Morgan Stanley in Phoenix, AZ, holding a Series 66 license and 22 years of industry experience. Her career includes roles at several notable firms, including J.P. Morgan Securities, Wells Fargo Clearing, LPL Financial, and BMO Harris Financial Advisors. She has been with Morgan Stanley since 2024. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to individual and institutional clients, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured discovery conversations and firm-approved planning tools in its financial planning process.

Aaron Martin is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 14 years of industry experience. Prior to joining Raymond James in 2026, he worked at Edward Jones for 15 years. He is based in Phoenix, AZ. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm provides tailored, non-discretionary advice using analytical tools and supports both advisory programs and institutional consulting services.

Laura Grewe is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has worked at Raymond James Financial Services since 2022 and previously spent five years at Kestra Investments. 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, and municipal entities, offering tailored financial planning and consulting services through various portfolio management strategies and extensive affiliated research.

Caleb Riddle is a financial advisor with Charles Schwab & Co., Inc. in Phoenix, AZ, holding Series 63 and Series 66 licenses and having two years of industry experience. Prior to joining Schwab, he worked in various roles across different industries, including The Dive Bar, The Kroger Co., and FedEx. Charles Schwab & Co., Inc. serves primarily 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 options, supported by multi-asset model portfolios, alternative investment due diligence, and integrated custody and brokerage services.

Ryan Alkema is a Financial Consultant at Fidelity Investments, a role he has held since 2016. He has been with Fidelity Investments since 2011, previously serving as an Investment Consultant from 2015 to 2016 and as a Financial Representative from 2011 to 2015. Prior to his tenure at Fidelity, Ryan worked at Wells Fargo Bank as an Assistant Manager from 2008 to 2011 and as a Private Banker from 2006 to 2008. Ryan emphasizes integrity and hard work in his professional approach. He focuses on helping individuals and families develop disciplined financial plans that support a healthy relationship with their assets and wealth. His clients value his candor and confidence in collaborative financial planning. Outside of his professional work, Ryan enjoys personal interests such as camping, cars, family activities, fitness, outdoor adventures, and reading.

Marcus Lespron is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and 13 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2012 and 2015, respectively. 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 and discretionary investment options, supported by multi-asset model portfolios and due diligence from the Schwab Center for Financial Research.

Joanna La Rosa is a financial advisor at Robert W. Baird & Co. with six years of industry experience. She holds a Series 66 designation and has worked at Robert W. Baird & Co. since 2018 following a two-year tenure at Morgan Stanley. Robert W. Baird & Co.’s DDK Group serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations, offering services including financial planning, discretionary and non-discretionary portfolio management, and separately managed account programs. The firm combines manager-traded and model-traded strategies, tax-management, direct indexing, and unified fee arrangements, supported by ongoing manager monitoring and internal research tools.

Michael Gelfand is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has been with Charles Schwab since 2012, including nine years at Charles Schwab Bank, SSB. Charles Schwab & Co., Inc. 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 offers a combination of non-discretionary and discretionary investment advisory services with integrated brokerage, custody, and cash-sweep capabilities.

Rolly Auchana is a Financial Consultant at Fidelity Investments, where he has been working since 2025. He collaborates with clients to develop personalized financial plans that address their specific needs, emphasizing active client participation throughout the planning process. His approach focuses on building trusted relationships and simplifying financial objectives. Prior to his current role, Rolly served as an Investment Consultant and Relationship Manager at Fidelity Investments from 2023 to 2025. Before joining Fidelity, he was a High Net Worth Client Case Senior Associate at Vanguard from 2022 to 2023. Through these roles, he has gained experience in investment consulting and client relationship management. Outside of his professional work, Rolly's personal interests include camping, cooking and baking, family activities, fitness, food, and military service.

Melissa Sabido is a Financial Consultant currently working with Fidelity Investments since 2020. She brings 25 years of experience in the financial services industry, having previously served as a Wealth Advisor at USAA from 2015 to 2020, a High Net Worth Relationship Consultant at Vanguard from 2006 to 2015, and a Financial Representative at Wells Fargo from 2001 to 2005. Her expertise includes retirement planning, tax-efficient investing, and legacy planning. Melissa holds a California Insurance License. Outside of her professional work, she engages in activities such as cooking and baking, family activities, social events with friends, parenthood, caring for pets, and swimming.