Daniel Massow is a financial advisor with LPL Financial in Mesa, Arizona, holding the CFP® designation and Series 63 license. He has five years of industry experience, including previous roles at Raymond James Financial. Massow is also involved with Massow Wealth Strategies, where he serves as an associate employee. 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 variety of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset management.

Richard Kueltzo is a financial advisor at Vanguard Advisers with 24 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Vanguard Group since 2021. Prior to this, he was employed by Northern Trust Securities and Northern Trust Bank from 2012 to 2021. Outside of his advisory role, he has worked as a contracted driver for DoorDash. 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 investment approach using proprietary methodologies and primarily invests in Vanguard funds and ETFs, serving a large client base through a blend of digital platforms and a team servicing model.

Michael Casey is a financial advisor with Vanguard Advisers based in Scottsdale, AZ. He holds Series 63 and Series 66 licenses and has nine years of industry experience, all with The Vanguard Group since 2017, following a brief tenure at Randstad. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible retirement plan participants, employing a goal-based, algorithm-driven approach that utilizes proprietary models and predominantly Vanguard funds and ETFs. The firm is notable for its scale and digital delivery, managing hundreds of thousands of client relationships through a combination of technology and a large team of advisors.

Mark Walford is a CFP®-certified financial advisor with 28 years of industry experience, currently serving at Vanguard Advisers. He has been with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 1997. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach that utilizes proprietary methodologies to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Aidan Mosher is a financial advisor with Raymond James Financial, holding a Series 66 credential and one year of industry experience. Prior to joining Raymond James, he worked at firms including Equitable Advisors and Desert Financial Credit Union. He is also an associate at Desert Financial Wealth Management, where he serves as an investment consultant. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm employs analytical tools and risk profiling to tailor non-discretionary planning and consulting to client goals and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Karen Sinovic is a financial advisor with Wells Fargo Clearing in Scottsdale, AZ, holding a Series 63 designation and over 53 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she serves as co-trustee of her son's trust. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Dorin Micula is a financial advisor with Vanguard Advisers based in Scottsdale, AZ, holding Series 66 and Series 63 licenses and three years of industry experience. His prior roles include positions at Charles Schwab & Co., Inc. and various self-employed engagements. He also has experience working with the International School of Ministry and Unity Hospice. Vanguard Advisers provides automated and human‑supported investment advice primarily to retail investors and eligible participants in employer‑sponsored retirement plans. The firm employs a goal‑based, algorithm‑driven investment approach using proprietary models to construct personalized portfolios largely composed of Vanguard funds and ETFs.

Brian Robinson is a Financial Solutions Advisor at Merrill Lynch Wealth Management. In his role, he works directly with clients to develop strategies aimed at achieving their short-, mid-, and long-term financial goals. He provides guidance on a broad range of financial topics including investing, retirement planning, and saving for unexpected events. Additionally, he offers access to Bank of America specialists for services such as banking, credit, home financing, and small business solutions. Brian’s expertise lies in helping clients manage the complexities of their financial priorities, whether that involves buying a home, saving for college, caring for elderly parents, or preparing for healthcare needs. He partners with clients to define their goals and tailor portfolio strategies accordingly, providing ongoing advice and adjusting plans as clients’ situations evolve. Brian holds the CERTIFIED FINANCIAL PLANNER (CFP) designation and is a Personal Investment Advisor (PIA). He earned a bachelor’s degree from the University of California system.

Nicolas Castaneda is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in comprehensive wealth management strategies tailored to meet the financial goals of individuals, families, and small business owners. His approach involves understanding clients' full financial situations and creating customized plans that adapt to changing needs and market conditions. Nicolas provides clients with access to the investment insights of Merrill and the banking and lending solutions of Bank of America. With over 25 years of experience, Nicolas focuses on areas including college education planning, divorce transition planning, employee benefits, family wealth management, LGBT wealth planning, portfolio management, special needs planning, women and wealth, sports and entertainment, and retirement income. He has extensive knowledge in real estate and supports athletes, small businesses, hotel owners, and commercial real estate clients. Nicolas holds a Personal Investment Advisor (PIA) designation and earned a Master's Degree from Grand Canyon University and a Bachelor's Degree from Arizona State University. Nicolas actively participates in his community, volunteering with local organizations. His personal interests include basketball, ice skating, music, and soccer. He works one-on-one with clients to develop personalized financial strategies designed to help pursue their long-term goals.

Jessica Duncan is a financial advisor with Wells Fargo Clearing in Scottsdale, AZ, holding a Series 66 designation and four years of industry experience. She has previously worked at JPMorgan Chase Bank and J.P. Morgan Securities LLC and is the owner and operator of an e-commerce business selling houseplants on Etsy. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Serena Horsch is a CFP® professional with 15 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2010. She holds a Series 63 designation and is based in Scottsdale, AZ. Vanguard Advisers offers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs. The firm serves a large client base through its digital platform and team servicing model.

Robert Peary IV is a Series 66-licensed financial advisor with 25 years of industry experience. He has worked at OSAIC since 2023 and previously spent 13 years at Sagepoint Financial, Inc. He is a member of multiple LLCs, including Peary LLC, through which he manages commission-related business activities. OSAIC serves a diverse range of retail and institutional clients, offering integrated brokerage and investment advisory services, financial planning, and access to various managed account solutions. The firm employs asset-allocation tools and efficient-frontier analysis to construct portfolios across multiple asset classes, supporting both discretionary and non-discretionary management.

Aaron Tanner is a financial advisor with LPL Financial in Scottsdale, AZ, holding Series 63 and Series 65 designations and bringing 22 years of industry experience. Prior to joining LPL Financial in 2024, he worked extensively with Northwestern Mutual in various investment management and wealth management roles from 2004 to 2024. He is also involved in selling term and disability insurance through a separate business activity. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Jonathan Osterkamp is a financial advisor with LPL Financial in Scottsdale, Arizona, holding a Series 66 designation and 24 years of industry experience. He has been with LPL Financial since 2009 and previously worked at Ameriprise for three years. Outside of his advisory work, he established a single-member LLC for non-financial business transactions. 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 broad range of services including financial planning, model portfolios, and institutional platforms, supporting its advisors with tools such as machine learning for operational and research purposes.

Nicholas Miller is a financial advisor at Osaic with 21 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. His prior roles include positions at Principal Securities, Principal Life Insurance, and Waddell & Reed. Osaic Wealth, Inc. serves a diverse range of clients including individual investors, pension plans, corporations, and charitable organizations through a large network of advisers. The firm offers integrated brokerage and investment advisory services, utilizing various asset-allocation tools and third-party platforms to manage portfolios across multiple asset classes.

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, AZ, holding Series 66 and Series 63 licenses with four years of industry experience. Prior to joining Morgan Stanley, he worked at The Vanguard Group and New York Life Insurance Company. Outside of his advisory role, he is a partner at Story Bunny Studios, a publishing venture based in Scottsdale, Arizona. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a variety of advisory programs and financial planning services that use structured discovery and firm-approved tools to help clients model financial outcomes.

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 with J.P. Morgan Securities in Phoenix, AZ, holding Series 63 and Series 65 licenses and seven years of industry experience. She has worked within various JPMorgan entities since 2017, including J.P. Morgan Securities LLC and JPMorgan Chase Bank. 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. The firm’s advisory services are delivered on a non-discretionary basis through a select group of Wealth Advisors.