Nimmi Bratcher is a financial advisor with Charles Schwab in Phoenix, Arizona, holding a Series 66 designation and 11 years of industry experience. She has been with Charles Schwab since 2014. 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 offers a combination of non-discretionary and discretionary investment management, supported by multi-asset model portfolios and a centralized operational structure.

Marc Villa is a financial advisor at Charles Schwab & Co., Inc. with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Voya Financial and PayPal. He is based in Phoenix, AZ. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management, supported by centralized custody, order-routing, and a structured alternative-investment platform.

James Perry is a financial advisor with Charles Schwab in Phoenix, AZ, holding CFP®, Series 66, and Series 63 credentials and bringing 10 years of industry experience. He has worked with Charles Schwab & Co., Inc. since 2016 and Charles Schwab Bank since 2018. 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 managed accounts and offers a multi-asset investment approach supported by centralized operational and supervisory structures.

Tramell Williams is a financial advisor with Raymond James & Associates, holding Series 66 and Series 63 designations and bringing 18 years of industry experience. His career includes over a decade at Pershing Advisor Solutions LLC before joining Raymond James Financial Services in 2018. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser with approximately $501 billion in assets under management. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by comprehensive research and a range of portfolio management strategies.

Bruce Keller is a financial advisor at OSAIC with 39 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at OSAIC since 2023. His previous roles include 14 years at Sagepoint Financial, Inc., 18 years at OSAIC Services, Inc., and four years at Sunamerica Securities, Inc. OSAIC Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, through a multi-advisor platform offering both brokerage and advisory services. The firm’s investment approach focuses on model-based asset allocation and portfolio optimization, utilizing tools such as risk-tolerance questionnaires and efficient frontier analysis.

Piankhi Sykes is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and bringing 10 years of industry experience. He has worked at JPMorgan Chase Bank and J.P. Morgan Securities since 2016 and was previously involved with Private Client Travel L.L.C. from 2021 to 2026. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm's advisory process combines quantitative screening and qualitative research, and incorporates ESG criteria within a non-discretionary, client-driven framework.

Josh Williams is a financial advisor with RBC Capital Markets in Phoenix, AZ, holding Series 63 and Series 65 designations and five years of industry experience. His prior work includes roles at City National Bank, Indeed, and AXIO Financial. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services, utilizing both in-house and third-party investment managers.

Angela Turlington is a Series 66-licensed financial advisor with Morgan Stanley, where she has worked since 2019. She has two years of industry experience and previously worked in marketing and disability services. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers both direct and corporate financial planning services.

Andrew Hickman is a financial advisor at LPL Enterprise with seven years of industry experience. He holds the Series 66 designation and previously worked at Ameriprise Financial Services in various roles from 2018 to 2026. LPL Enterprise provides investment advisory and brokerage services to individuals, high-net-worth investors, retirement plans, banks, and charitable entities through a network of investment adviser representatives. The firm typically uses model-driven investment implementation and offers access to third-party asset managers and financial planning services.

Chaundra Cabrera is a financial advisor at Fidelity with 11 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Charles Schwab and Griffin Capital Securities. Outside of her advisory role, she serves as an officer for a homeowners association in Phoenix, Arizona. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, employing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary services and is notable for its use of advanced technologies and its role as an advisor to multiple registered investment companies.

Lieng Ouk is a financial advisor with Cambridge Investment Research Advisors, holding Series 66 and Series 63 licenses and eight years of industry experience. Prior to joining Cambridge, Ouk worked at Morgan Stanley, Charles Schwab & Co., Inc., and Wells Fargo Wealth Management. Cambridge Investment Research Advisors serves a diverse client base including individual investors, pension funds, and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals.

Gary Truax is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. His career includes prior roles at Wedbush Securities, Merrill, and Morgan Stanley. Ameriprise Financial Services is a large, diversified advisory firm that serves both individual and institutional clients. The firm offers a specialized Premier Retirement Income service providing written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Chris Luttman is a Financial Consultant currently working at Fidelity Investments since 2022. He has 20 years of experience partnering with clients to develop financial and retirement plans, leveraging Fidelity's brand, strategy options for pre and post-retirement, and investment platform. His prior roles include Wealth Advisor at US Bancorp Investment Services from 2019 to 2022, Financial Advisor at Key Investment Services from 2015 to 2019, and Wealth Management Advisor at TIAA CREF from 2004 to 2013.

Daniel Porter is a financial advisor with Charles Schwab in Phoenix, Arizona, holding Series 66 and Series 63 licenses and bringing nine years of industry experience. He has been with Charles Schwab since 2016. 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 combines non-discretionary advisory models with access to discretionary separately managed accounts, delivering investment guidance via multi-asset model portfolios and centralized operational support.

Michele Riordan is a financial advisor with LPL Financial in Phoenix, AZ. She holds Series 63 and Series 65 licenses and has 30 years of industry experience. Prior to joining LPL Financial in 2003, she worked at Scarborough Capital Management, Inc. from 1998 to 2003. She operates a DBA, Riordan Investment Management, based in Scottsdale, AZ. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Michael Pace is a financial advisor with Wells Fargo Clearing in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets and employing over 14,000 financial advisors. The firm offers a range of brokerage and advisory solutions along with consulting and discretionary services for retirement plans.

Tatyana Trapp is a financial advisor with Primerica Advisors in Phoenix, AZ, holding Series 63 and Series 66 licenses and 12 years of industry experience. She has worked at Primerica Advisors, Primerica Financial Services, Merrill, and UnionBanc Investment Services. Outside of advisory work, she owns Echo Tango 03 LLC, a non-investment-related business. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and offers a tiered wrap fee structure distinct from fixed-fee billing.

Jonah Puschinsky is a financial advisor at Cetera with two years of industry experience. He holds the Series 66 designation and has worked with several firms, including JR Capital and Renaissance Financial. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, overseeing more than $256 billion in assets.

Mark Newcomb is a financial advisor with Merrill in Peoria, Arizona, holding Series 63 and Series 66 designations and 30 years of industry experience. His prior roles include positions at Princor Financial Services and Principal Life Insurance Company, where he worked for seven years. He also serves as a co-trustee of a family trust. 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.

Kyle Kent is a Financial Consultant who collaborates with clients to plan for their goals on their terms, focusing on navigating risk, income, and tax-efficient investing. He has extensive experience at Fidelity Investments, having held multiple roles including Investment Consultant from 2022 to 2024, Relationship Manager from 2021 to 2022, Equity Compensation Consultant from 2020 to 2021, Equity Compensation Associate from 2019 to 2020, and Equity Trader from 2018 to 2019. Kyle's professional background reflects a breadth of experience within investment consulting and equity compensation, contributing to his expertise in financial planning and client relationship management. Outside of his professional work, Kyle enjoys cooking and baking, fitness, exploring food, outdoor adventures, parenthood, and reading.