Olivia Brown is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Hornor, Townsend & Kent, LLC. Her prior experience includes roles at Strategic Advocates, LLC and several positions within the Cambridge Investment Research organizations. Outside of advisory duties, she is also involved in life insurance brokerage, providing financial planning and insurance sales through Cambridge Financial Services. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting. The firm operates both as an SEC-registered adviser and broker-dealer, supporting a broad range of investment and custody services.

David Rich is a CFP® professional with 17 years of industry experience, currently serving at Mercer Global Advisors Inc. since 2022. His prior roles include positions at Brightside Benefit and Vanguard. Outside of his advisory work, he is the founder of Proudly We Wave, a holiday flag service based in Mesa, AZ. Mercer Global Advisors provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth families, small business owners, corporate plan sponsors, and nonprofit organizations. The firm’s investment approach is based on Modern Portfolio Theory, emphasizing globally diversified, risk-appropriate portfolios with multi-factor tilts and tax management.

Kyle Mendoza is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and two years of industry experience. He has worked with Charles Schwab & Co., Inc. since 2024 and has prior experience at Wells Fargo and Target. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and select referred clients. Its approach involves customized, at-least-annual reviews using internal research tools and asset-allocation models, with trades executed only upon client authorization.

Darcy Bergen is a financial advisor at AE Wealth Management, LLC with 10 years of industry experience. He holds a Series 65 designation and has worked at AE Wealth Management since 2022. His prior experience includes roles at Simplicity Wealth, LLC and Horter Investments. Bergen is also the owner of Clear Solutions LLC DBA Bergen Financial Group and serves as secretary/treasurer for Bergens Mission, a charitable organization. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a platform-centered approach that combines various model portfolio solutions, discretionary asset management, financial planning, and plan services.

Krista Wittmaack is a financial advisor at Citizens Securities, Inc. in Gilbert, AZ, with 29 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at firms including Frost Brokerage Services, E*TRADE Capital Management, Morgan Stanley, and Zions Direct. Outside of her advisory role, she is involved with rental property oversight managed by a third party. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs, brokerage, and insurance services. The firm’s advisory options include a digital advisory program and a Managed Account program, supported by its affiliation with Citizens Bank, N.A.

Kelly Arakaki is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. Before joining Schwab Wealth Advisory in 2014, Arakaki worked at USAA Financial Planning Services and Massachusetts Mutual Life Insurance Company. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Charles Schwab’s asset-allocation models and internal research tools.

John Clarke is a financial advisor at Hornor, Townsend & Kent, LLC with 27 years of industry experience. He holds the ChFC® designation and has worked with Penn Mutual Life Insurance Company and Hornor Townsend & Kent for the past 16 years. Clarke is a partner in a multi-line insurance brokerage and serves on the board of directors for American Leadership Academy, a nonprofit organization. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting. The firm combines advisory and broker-dealer services, providing custody, execution, and brokerage capabilities alongside investment advice.

Kyle Crews is a financial advisor with Guardian Life who holds Series 63 and Series 66 licenses and has five years of industry experience. His work history includes roles at Vanguard Advisers, Inc. and Vanguard Marketing Corporation. Outside of finance, he has worked at Camp Timberline and other retail positions. Park Avenue Securities LLC, doing business as Park Avenue® Wealth Management, is a subsidiary of The Guardian Life Insurance Company of America that serves individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers brokerage services, financial planning, retirement plan consulting, and a range of investment advisory programs using both proprietary and third-party strategies.

Yvette Fernandez is a financial advisor at Hightower Advisors with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Ameriprise and Edward Jones. Hightower Advisors provides investment advisory and planning services to a diverse client base including individuals, institutions, and charitable organizations. The firm’s approach involves manager selection and multi-manager solutions utilizing affiliated and third-party managers, with access to a range of investment vehicles and strategies.

Mathew Ofman is a financial advisor at OSAIC Institutions, Inc. with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Alerus, Wells Fargo Clearing, Comerica Bank, Equitable Home Mortgage, Bank of America, BOK Financial Securities, and U.S. Bancorp Investments. OSAIC Institutions, Inc. serves individuals, ERISA retirement plans, trusts, estates, and corporate clients with customized advisory services, financial planning, and access to alternative investments. The firm operates a hybrid adviser/broker-dealer model, providing both discretionary and non-discretionary account management through a network of investment adviser representatives.

Dante Peterson is a CFP® professional with four years of industry experience, currently serving at Focus Partners Wealth, LLC. He has previously worked at Kovitz Investment Group Partners, LLC and TMD Wealth Management LLC. Focus Partners Wealth serves individuals, high-net-worth families, family offices, and institutional clients with comprehensive 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.

Leonard Thompson is a financial advisor at Ameritas Advisory Services, LLC with 27 years of industry experience. He holds the Series 66 designation and has worked at Ameritas and its affiliated firms since 2003, as well as at Cambridge Investment Research from 2001 to 2003. In addition to advisory work, he is licensed as an independent insurance agent selling fixed insurance products such as life, disability, and long-term care insurance. Ameritas Advisory Services, LLC provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth investors, retirement plans, charitable organizations, and businesses. The firm utilizes a range of investment vehicles and program platforms, combining model portfolios, mutual funds, ETFs, and individual securities, supported by third-party technology and management.

James Hatton is a CFP® and holds a Series 65 license, with 23 years of experience in financial advising. He has worked at Creative Planning since 2022 and previously operated Hatton Consulting, Inc. for 21 years. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in client assets and employs a financial planning–led investment process that emphasizes low-cost indexing, buy-and-hold strategies, and supplemental approaches such as direct indexing and tax-loss harvesting.

Thane Walton is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has been with United Planners since 2014. United Planners is a national wealth-management enterprise serving a diverse client base including individual investors, retirement plans, corporations, trusts, estates, and institutional clients. The firm offers advisory and brokerage services through independent Investment Adviser Representatives and manages approximately $12.77 billion in assets, primarily on a non-discretionary basis.

William Friese Jr. is a financial advisor at Oppenheimer with five years of industry experience. He holds the Series 66 credential and previously worked for Arizona Associated Surgeons for 19 years. Outside of his advisory role, Friese serves as an independent contractor performing vasectomies for an underserved population in Arizona through Planned Parenthood. Oppenheimer is a registered investment adviser and broker-dealer that serves individuals, corporations, pension and profit-sharing plans, charitable organizations, pooled investment vehicles, and IRAs. The firm offers a broad range of programs and advisory services including equity, balanced, and fixed-income portfolios, with both discretionary and non-discretionary management approaches.

Tiffany Lum is a CFP® with 12 years of industry experience, currently affiliated with United Planners Financial Services of America as a Limited Partner. Her prior experience includes roles at OSAIC, PFG Advisors-RIA, Securities America, and Cue Financial Group. Outside of advisory work, she serves as president of Teal Tax Services PLLC, a tax preparation and accounting firm. United Planners Financial Services serves a diverse client base, including individuals, corporations, charitable organizations, and institutional clients, offering financial planning, portfolio management, retirement plan services, and brokerage solutions through a large network of independent advisors. The firm operates an open-architecture platform using multiple custodians and third-party money managers, with a focus on largely non-discretionary asset management.

Consuelo Lopez is a financial advisor with Kestra Advisory who holds Series 63 and Series 66 licenses and has 16 years of industry experience. Prior to joining Kestra in 2021, she worked at Wells Fargo Clearing and Wells Fargo Advisors. Outside of her advisory role, she owns VALSBAT LLC, a baseball coaching business. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base, including plan sponsors, institutions, and individuals. The firm offers fiduciary services, plan-level investment advice, and access to various management platforms, serving clients including large institutional investors and sovereign wealth funds.

Reynaldo Sandoval is a financial advisor with Schwab Wealth Advisory, holding the Series 63 and Series 66 designations and bringing 10 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank and serves as a Sergeant in the United States Marine Corps. In addition to his advisory role, he works seasonally as a driver for a logistics company in the Phoenix area. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients in the Schwab Wealth Advisory program and select referred clients. The firm’s investment guidance is based on Charles Schwab & Co.’s asset-allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Erin Sweitzer is a financial advisor with Commonwealth Financial Network based in Phoenix, AZ. She holds the Series 66 designation and has 17 years of industry experience. Since 2016, she has been associated with Camelback Retirement Planners. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and managing around $212.7 billion in client assets. The firm provides a broad adviser-support platform that includes managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Barnabas Choe is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and five years of industry experience. His prior work includes roles at Charles Schwab & Co., Inc. and Quicken Loans. In 2023, he was involved with Ubiquitous Bookkeeping Services LLC. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program or referred by Charles Schwab & Co. The firm’s recommendations are based on internal research and asset-allocation models, with client authorization required for trades.