Maxwell Morgan is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Morgan Stanley and The Vanguard Group. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related investment options and bank deposit sweep programs in its offerings.

William Kerwin is a financial advisor with LPL Financial, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at BMO Bank NA, The Vanguard Group, Merrill, and Wells Fargo Clearing. Outside of financial services, he has worked as a contract driver with Uber in Scottsdale, AZ. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and a range of investment strategies.

Emily Rothenberg is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds a Series 66 designation and has worked at JPMorgan Chase Bank and Fidelity Investments. Rothenberg also has experience with Duke University and several other organizations. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through a program that combines quantitative asset-allocation modeling with centralized due diligence. The firm applies an ESG eligibility framework when recommending strategies and operates within the broader J.P. Morgan broker-dealer and banking organization.

Seth Fink is a financial advisor at LPL Financial with 20 years of industry experience. He holds a Series 66 designation and previously worked at firms including PFG Advisors, Securities America, Equitable Advisors, and AXA Advisors. Outside of his advisory role, Fink is president of the nonprofit Human Kindness Project and owns Phocus Accounting and Tax Specialists, a CPA firm offering accounting, tax preparation, and business consulting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, with investment offerings supported by LPL Research and third-party subadvisors.

Tyler Penrod is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and six years of industry experience. He previously worked at The Vanguard Group and has been self-employed since 2019. In addition to his advisory role, he is a licensed notary public. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment management supported by multi-asset model portfolios and alternative investment options.

Roger Wilson is a CFP® professional with 24 years of industry experience, currently serving at Charles Schwab in Phoenix, AZ. His prior experience includes over a decade at USAA in various financial planning and advisory roles. Charles Schwab & Co., Inc. primarily serves 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 solutions, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Christen Krueger is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and 20 years of industry experience. Christen has been with Thrivent and its related entities since 2005, including 18 years at THRIVENT Financial. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based planning without discretionary trading authority, combining planning with managed-account options under a consolidated billing service called WealthPlan.

Timothy Holly is a CFP® professional affiliated with OSAIC, based in Phoenix, AZ, with 41 years of industry experience. His prior roles include positions at Securities America Advisors and Invest Financial Corp. Outside of his advisory work, he is an agent for BlueCross BlueShield of Arizona and operates in insurance services through First Financial Strategies, LLC. Osaic Wealth, Inc. serves a diverse client base, including individual and institutional investors, offering brokerage and advisory services, financial planning, and access to multiple managed account solutions. The firm utilizes various portfolio construction tools and supports both discretionary and non-discretionary account management through a broad network of affiliated advisers.

Nicholas Doyle is a CFP® professional with 21 years of industry experience, currently serving at Cetera since 2019. His prior experience includes roles at Foresters Financial Services and Foresters Advisory Services LLC. Outside of advisory work, he is a board member and partial owner of Foam Distributors and is involved in family-owned business ventures in warehousing and office real estate. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through various program structures and manager options, managing over $256 billion in assets with more than 10,000 advisors.

Margaret Ostendorf is a financial advisor at Charles Schwab with 31 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Charles Schwab since 1993, including a role at Charles Schwab Bank since 2005. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by in-depth investment research.

Ruggero Borletti is a Private Wealth Manager at Merrill Private Wealth Management, a role he has held since joining Merrill in 2017. He has been engaged in the financial services industry since 1989. Ruggero's experience covers working with ultra-affluent clients both domestically and internationally, particularly those undergoing wealth transformations such as business sales. His expertise includes college education planning, executive compensation, family wealth management strategies, international wealth management, legacy planning, managing new wealth, philanthropic planning, women and wealth, tax minimization, and retirement income. Prior to Merrill, he worked in the Private Wealth Management divisions of UBS and Morgan Stanley, and began his career in corporate finance at NM Rothschild & Sons in London. He earned a Bachelor of Arts degree in Economics from Brown University in 1988 and holds the Certified Exit Planning Advisor (CEPA®) designation from the Exit Planning Institute, earned in 2019. Ruggero is fluent in English and Italian, has working knowledge of Spanish and French, and resides in Arizona. His personal interests include biking, cooking, hiking, running, scuba diving, skiing, tennis, traveling, and yoga. He has lived and worked in multiple countries, including Switzerland, the UK, and Kenya, and has five children.

Kevin Lewis is a financial advisor with J.P. Morgan Securities LLC, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at Morgan Stanley, John Hancock, E*TRADE, and Edward Jones. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to inform its recommendations.

Michael Blazina is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. His prior roles include positions at USAA Investment Management Company and USAA Financial Planning Services. He has been with Charles Schwab since 2020. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. Schwab combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers an integrated platform including brokerage, custody, and alternative investments.

Sean Young is a CFP®-certified financial advisor with 15 years of industry experience, currently serving at J.P. Morgan Securities since 2018. His prior experience includes roles at Northwestern Mutual Wealth Management Company, Northwestern Mutual Investment Services LLC, and Darby Heidemann. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Nicole Salokar is a financial advisor with Charles Schwab, holding Series 63, 65, and 66 licenses and bringing 28 years of industry experience. Her prior roles include positions at USAA Financial Planning Services and USAA Investment Management Company. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm offers a combination of non-discretionary advisory services and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized custodial and supervisory operations.

Hasan Kamal is a Financial Consultant currently working with Fidelity Investments since 2022. He has held various positions at Fidelity Investments since 2016, including Investment Consultant, Relationship Manager, Financial Representative, Investment Solution Representative, High Net Worth Representative, and Client Service Advocate. Prior to that, he worked as an Institutional Financial Representative at Charles Schwab from 2012 to 2016. Throughout his career, Hasan has focused on building long-term client relationships founded on transparency, honesty, and trust. He collaborates with a dedicated team of professionals to strengthen clients' financial well-being. Outside of his professional work, Hasan enjoys family activities, golf, caring for pets, and traveling.

Gabriel Vasquez is a financial advisor at Charles Schwab with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Wells Fargo Clearing, Edward Jones, J.P. Morgan Securities, and Morgan Stanley. 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 portfolio management with integrated custody and brokerage services.

Luigi Derose is a financial advisor at Edelman Financial Engines with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Financial Engines Advisors L.L.C. since 2016. Outside of advising, he is the managing member of Gallery Home Concepts, LLC, a company that is no longer conducting business. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm utilizes a committee-driven proprietary modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary management with an emphasis on diversified model portfolios, periodic rebalancing, and long-term orientation.

Jeffrey Beneteau is a financial advisor at Merrill with 18 years of industry experience. He holds Series 63, 65, and 66 licenses and has previously worked at CUNA Brokerage Services, CUNA Mutual Group, and Massachusetts Mutual Life Insurance Company. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Kimberly Herrera is a financial advisor at LPL Enterprise with 28 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Prudential Insurance Company of America, Pruco Securities, LLC, and BBVA affiliates. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, consulting, and access to model wealth portfolios through both advisory and brokerage channels.