Robert Williams Jr. is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 credentials and 32 years of industry experience. He has been with Vanguard in various capacities since 1995 and currently serves as Treasurer for the LUNAA AZ Chapter, a small university alumni group. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Personal Advisor services, serving retail investors and retirement plan participants. The firm’s investment approach is goal-based and algorithm-driven, utilizing proprietary methodologies and primarily Vanguard funds and ETFs to construct personalized portfolios with tax-aware and customization features.

Nicholas Hansen is a financial advisor at Morgan Stanley in Tempe, Arizona, holding Series 66 and Series 63 licenses with four years of industry experience. His prior experience includes roles at The Vanguard Group, New York Life Insurance Company, and self-employment. Outside of finance, he is a partner at Story Bunny Studios, a publishing venture focused on imagery and formatting. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery and modeling tools, offering a range of investment and planning services without individual security recommendations as part of standalone plans.

Ryan Pozniak is a financial advisor with Charles Schwab, holding a Series 66 designation and nine years of industry experience. His career includes roles at TD Ameritrade, Charles Schwab Bank, and Charles Schwab & Co., Inc. Prior to entering the financial industry, he worked in athletic services and education. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management with multi-asset model portfolios and access to alternative investments. Schwab’s integrated structure supports a large client base with centralized supervisory and custody services.

Marcy Vaughan is a financial advisor with Wells Fargo Clearing in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. Her career includes roles at Raymond James Financial Services and Morgan Stanley. Vaughan holds an Arizona real estate license, maintained for continuing education purposes. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Elizabeth Leykam is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 65 credentials and has worked at various JPMorgan affiliates since 2018, as well as Commerce Bank prior to that. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Its advisory process combines systematic quantitative screening with qualitative research and incorporates an ESG eligibility framework.

Dana Willard is a financial advisor at Vanguard Advisers with 16 years of industry experience. He holds Series 63 and Series 65 certifications. His career includes roles at Vanguard Advisers, Vanguard Marketing Corporation, and The Vanguard Group, Inc., all since 2010. Vanguard Advisers delivers automated and human-supported investment advice through digital and personal advisor services, primarily serving retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and constructs portfolios mainly from Vanguard funds and ETFs.

Cole Hanenburg is a financial advisor at Stifel in Scottsdale, AZ. He holds the Series 66 designation and has recent experience at Keurig Dr. Pepper, The Hershey Company, and Bank of America Merrill Lynch prior to joining Stifel in 2025. Stifel serves a broad range of clients including individuals, institutional investors, and municipal entities, offering brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology using forward-looking capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Anthony Berumen is a CFP® professional with 13 years of experience in the financial industry. He has been with The Vanguard Group, Inc. since 2013, serving at Vanguard Advisers in Scottsdale, AZ. Outside of his advisory role, he is the owner and landlord of a rental property business. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, primarily serving retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach, using proprietary models to tailor asset allocations and portfolio construction largely from Vanguard funds and ETFs.

Robert Johnson is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 30 years of industry experience. He has worked with various entities within Cetera since 2003, including First Allied Securities and Cetera Advisors LLC. Johnson is the sole owner of an investment management group operating as a DBA. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers and various program options.

Daniel Knutson is a financial advisor at Vanguard Advisers with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Vanguard and its affiliates since 2021. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm’s goal-based, algorithm-driven approach uses proprietary models to deliver personalized asset allocations primarily through Vanguard funds and ETFs.

Brady Denton is a Series 66 licensed financial advisor with LPL Financial in Tempe, AZ, holding two years of industry experience. His prior roles include positions at RBC Capital Markets, Vanguard, and Cascade Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Steven Yazbeck is a financial advisor with OSAIC based in Scottsdale, AZ. He holds Series 63 and Series 66 licenses and has 33 years of industry experience. Prior to joining OSAIC in 2023, he worked at Sagepoint Financial, Inc. for 14 years and UBS Financial Services for one year. Yazbeck is a partner in Mosaic Wealth Solutions LLC and an owner or partner in several LLCs associated with his financial advisory business. OSAIC Wealth serves a broad range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and advisor-managed portfolios. The firm uses a model-based investment approach with portfolio optimization and supports discretionary strategies, third-party managers, and proprietary models.

Sean Dickes is a financial advisor with J.P. Morgan Securities in Phoenix, Arizona, holding a Series 66 designation and 17 years of industry experience. His prior work includes roles at J.P. Morgan Securities Inc., Wells Fargo Clearing, and BMO. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focusing on asset allocation advice, investment manager searches, and customized performance reporting. The advisory process combines quantitative and qualitative research with forward-looking capital market assumptions, offering a range of eligible investment strategies.

Clay Levy is a financial advisor at Raymond James & Associates with nine years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at The Vanguard Group, Inc. and Vans Golf Shops. Raymond James & Associates oversees approximately $501 billion in assets and serves a diverse client base, including individuals, institutions, charitable organizations, and government entities. The firm offers financial planning and investment consulting with a range of portfolio management styles, and it provides specialized municipal advisory services alongside its affiliated research and model manager options.

Matthew Munn is a financial advisor at Cetera with 39 years of industry experience. He holds the Series 63, Series 65, and Series 66 credentials. Prior to joining Cetera in 2022, he spent 20 years at First Financial Equity Corporation. Outside of his advisory role, Munn is also a licensed real estate agent involved in listing, buying, and selling residential properties. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a large network of independent advisors and employs a multi-manager platform with various program options and custodial relationships.

David Telles is a financial advisor with Cetera based in Scottsdale, AZ, holding Series 63 and Series 65 credentials and 14 years of industry experience. His prior roles include positions at United Planners, PFG Advisors, Centaurus Financial, and several other financial services firms. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management, financial planning, retirement services, and program platforms, supporting diverse investment approaches including model portfolios, third-party managers, and bespoke strategies.

Michael Ayache is a financial advisor with J.P. Morgan Securities in Phoenix, AZ, holding Series 63 and Series 66 licenses and with six years of industry experience. His prior work includes roles at Wells Fargo, Nationwide Investment Services, and Bank of America. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting, with an advisory process supported by centralized due diligence and incorporating both quantitative and qualitative research.

Christine Wilkinson is a Senior Financial Advisor at Merrill Lynch Wealth Management in Scottsdale, Arizona. She has dedicated her entire financial career to Merrill, beginning over 20 years ago at Merrill Lynch Trust Company, now known as Bank of America Private Bank. Christine works as part of The A Team, one of the largest advisory teams in Scottsdale, which includes senior consultants, financial advisors, and client associates collaborating to provide a broad range of financial advice and investment solutions. Her background in trust and estate services enables her and her team to assist clients with legacy and charitable planning while helping them achieve investment and retirement goals. Christine’s areas of expertise include education planning, legacy planning, philanthropic planning, personal retirement planning, socially responsible investing, tax minimization, and services for endowments, foundations, and non-profits, among others. She holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Christine lives in Mesa, Arizona with her husband of 20 years and has two adult children, one of whom serves in the U.S. Army. Outside of work, she enjoys adventure sports, cooking, dancing, gardening, hiking, reading, running, and spending time with her family and her Bernedoodle puppy.

Benjamin Howard is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 66 licenses and four years of industry experience. He has worked at The Vanguard Group, Inc. since 2021. Outside of his advisory role, he works as an independent contractor providing massage therapy services at Colair Beauty Lounge and Med Spa. Vanguard Advisers offers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary models to set personalized asset allocations, primarily using Vanguard funds and ETFs, and serves a large client base through its digital platform and team servicing model.

Logan Kannes is a financial advisor with Vanguard Advisers based in Scottsdale, AZ. He holds Series 63 and Series 66 licenses and has eight years of industry experience. Prior to joining Vanguard in 2017, he worked at Northern Arizona University, Dick's Sporting Goods, and Rio Salado Community College. Vanguard Advisers offers automated and human-supported investment advice for retail investors and employer-sponsored retirement plan participants. The firm uses a goal-based, algorithm-driven approach to construct portfolios primarily from Vanguard funds and ETFs, combining digital delivery with a large advisor team to manage a high volume of client relationships.