Hannah Krumreich is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. Her career includes roles at Charles Schwab Bank, JP Morgan Securities, and Fidelity Brokerage Services. She holds Series 63 and Series 66 licenses and is based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm emphasizes asset allocation and investment selection guided by proprietary research and standard models, with client authorization required for trades.

John Kissam is a CFP® certificant with eight years of experience in financial services, currently serving at Schwab Wealth Advisory, Inc. He has prior experience at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, LLC, Wells Fargo Bank, N.A., and Lyft. Outside of advisory roles, Kissam is the managing member of Treehaus LLC, a non-investment-related real estate business. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on proprietary asset-allocation models and internal research tools, with client-directed trade execution and portfolios often managed by third-party or affiliated money managers.

Elizabeth Duran is a financial advisor with Schwab Wealth Advisory, Inc., holding Series 63 and Series 66 licenses and 14 years of industry experience. Her prior work includes roles at Wells Fargo Bank, Merrill, and Bank of America. Schwab Wealth Advisory, Inc. serves clients enrolled in the Schwab Wealth Advisory program by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Charles Schwab & Co.’s asset-allocation models and internal research tools. The firm offers tailored recommendations with at-least-annual reviews and operates with a large scale and distinct operational structures compared to many peers.

Mubera Madar is a CFP® professional with 26 years of experience in the financial services industry, currently serving at Schwab Wealth Advisory since 2022. She has been with Charles Schwab since 2000. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s investment guidance relies on Schwab’s proprietary asset-allocation models and research tools, offering tailored recommendations reviewed at least annually.

Richard Keiser is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and nine years of industry experience. His previous roles include positions at Charles Schwab & Co., Fidelity Investment, Empower Advisory Group, TIAA-CREF, and Wells Fargo Clearing. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach utilizes Charles Schwab’s asset-allocation models and research tools, offering tailored recommendations reviewed at least annually.

Chadi Mneiny is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. He previously worked at The Vanguard Group for nine years before joining Charles Schwab & Co., Inc. in 2026. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and certain referred clients, using Charles Schwab’s asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance.

Tod Ross is a financial advisor with Principal Financial Services in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. His prior roles include positions at Equitable Advisors, Allstate Financial Services, PFS Investments, and Primerica Financial Services. He is also registered as a representative for fixed insurance products such as life, disability, annuities, and long-term care. Principal Securities provides brokerage and registered investment advisory services to a wide range of clients, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers financial planning, retirement plan consulting, and access to third-party money manager solutions, utilizing both adviser and promoter arrangements to support client investment management.

James Hebets II is a financial advisor with Kestra Advisory in Phoenix, AZ, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has been with Kestra Advisory since 2016 and Kestra Investment Services, LLC since 2012. Outside of advisory work, Hebets serves on multiple nonprofit boards including Future For Kids, Honor Health Foundation, and Finseca Foundation, and he is the owner and CEO of Life Masters Classes, a lead generation and education content business. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base, including institutional and individual investors. The firm offers fiduciary consulting, plan design, employee education, and access to multiple management platforms, serving large clients such as sovereign wealth funds and pooled employer plans.

Hunter Giboney is a CFP® professional with 13 years of industry experience and is currently with Schwab Wealth Advisory Inc. in Phoenix, AZ. He has worked at Charles Schwab and Schwab Bank since 2017, and has prior experience at Ameriprise Financial Services, Zeiders Enterprises, and AllState Insurance Company. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm utilizes Charles Schwab & Co.’s asset-allocation models and research tools to deliver tailored recommendations, with trades executed only upon client authorization.

Rylee Good is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and based in Phoenix, AZ. Good has been with Schwab Wealth Advisory and Charles Schwab-related firms since 2025, following prior experience working at Barro's Pizza and completing full-time education. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm uses Charles Schwab’s asset-allocation models and internal research tools to tailor recommendations according to each client’s goals and risk tolerance, while trades require client authorization.

Alexander Engel is a financial advisor at Empower Advisory Group with a Series 66 designation and one year of industry experience. He previously worked at Empower Financial Services, Summit Funding, and FirstBank. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain IRA and retail brokerage account holders. The firm’s services integrate proprietary and third-party methodologies focused on long-term portfolio returns and client savings rates within a large-scale advisory model.

Jennifer Senft is a financial advisor with TIAA-CREF, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. Her career includes roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, Vanguard Advisers, Inc., and other financial firms. TIAA-CREF Individual & Institutional Services provides financial planning, discretionary managed account programs, and broker-dealer services to individuals, trusts, estates, and small retirement plans, often serving clients with ties to TIAA-administered employer retirement plans. The firm offers both point-in-time planning and ongoing portfolio management, including customized discretionary management under a fiduciary standard.

Tamara Mark is a financial advisor at Beacon Pointe Advisors, LLC with 11 years of industry experience. She holds Series 63 and Series 66 credentials and previously worked at Landmark Wealth Management Group, Purshe Kaplan Sterling Investments, Inc., and Thrivent Financial. In addition to her advisory role, she is an agent with Beacon Pointe Insurance Services, LLC, involved in the sale of life, health, and accident insurance products. Beacon Pointe Advisors provides wealth advisory, consulting, financial planning, retirement-plan platform services, and outsourced chief investment officer services to individual investors, corporations, pension and profit-sharing plans, and other institutional clients. The firm combines asset-allocation modeling with third-party independent managers and employs both active and passive strategies across public and private asset classes.

Chad Sager is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has been with Charles Schwab and its affiliated entities since 2013. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm uses standard asset-allocation models and internal research tools to offer tailored recommendations, with trades executed only upon client authorization.

Robert Carnegie III is a CFP® professional with three years of industry experience. He is currently with Focus Partners Wealth, LLC and has previously worked at The Colony Group, LLC, HoyleCohen, LLC, Huntington Bank, and BNY Mellon. Focus Partners serves individuals, high-net-worth families, family offices, corporate, and institutional clients with a range of wealth management and advisory services. The firm combines active and passive investment strategies within an enhanced open architecture framework, incorporating fundamental and quantitative analysis alongside specialized tools such as trend-following and options overlay strategies.

Samantha Jarvey is a CFP® certified financial advisor with 15 years of industry experience, currently with Schwab Wealth Advisory in Phoenix, AZ. She has previously worked at Cambridge Investment Research and Wells Fargo in various roles spanning over a decade. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Charles Schwab & Co.’s asset-allocation models and research tools. The firm focuses on client-tailored recommendations and trades executed only with client authorization.

Robert Olson is a financial advisor with TLG Advisors, Inc. based in Scottsdale, AZ, holding Series 63 and Series 65 licenses and 27 years of industry experience. His prior roles include positions at Kestra Advisory, M Holdings Securities, WealthPoint, and Polaris Insurance Advisors. He is also the owner of Pivotal Financial & Insurance PLLC, where he consults clients on insurance and business solutions. TLG Advisors, Inc. serves a diverse client base including individuals, high-net-worth clients, trusts, charitable organizations, corporations, and institutional investors. The firm provides portfolio management, financial planning, and fiduciary services, employing a manager selection process grounded in fundamental analysis and Modern Portfolio Theory, and offers a digital investment platform called Starlight Portfolios.

Heidi Jones is a Series 66 licensed financial advisor with Schwab Wealth Advisory, Inc. in Phoenix, AZ, with one year of industry experience. Prior to her current role, she worked at Charles Schwab & Co., Inc. and had experience in the travel and food ingredients sectors. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach uses standardized asset allocation models and internal research tools to offer tailored investment recommendations without exercising discretionary trading authority.

Joseph Cardella is a financial advisor with Guardian Life and holds a Series 65 designation. He has recently transitioned into the financial services industry after 19 years with the City of Tempe. He is based in Phoenix, AZ. Guardian Life’s subsidiary, Park Avenue Securities LLC, provides brokerage and advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a range of financial planning and investment solutions, including advisor-led discretionary management, model-based strategies, and a digital advisory platform.

Matthew Anderson is a financial advisor at Focus Partners Wealth, LLC with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Churchill Management Group and TD AMeritrade. Focus Partners Wealth serves individuals, high-net-worth families, family offices, and institutional clients with a broad range of wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach that combines active and passive strategies within an enhanced open architecture framework.