George Klima is a ChFC® credentialed financial advisor with 43 years of industry experience, currently affiliated with Primerica Advisors and Park Avenue Securities. His career includes roles at Guardian Life Insurance Company and Primerica Advisors, among others. Outside of his advisory work, he is involved in restaurant ownership through the Nova Restaurant Group and Tavern 4 & 5 LLC, and he is a partner in Foster K Partners, LLP, which conducts Guardian business. Park Avenue Securities serves a diverse retail client base, offering brokerage and advisory services alongside financial and business consulting. The firm utilizes a combination of proprietary and third-party investment strategies, supporting both discretionary and non-discretionary account management across multiple asset types.

Emily Stroud is a CFP® with eight years of experience in the financial services industry. She is currently with Schwab Wealth Advisory and has previously worked at Vanguard and Fidelity Investments. Her background includes roles at several major firms including Goldman Sachs and Edward Jones. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing standard asset allocation models and Schwab research tools while recommending specific investments without exercising discretionary trading authority. The firm operates as an internal advisory unit within the Schwab ecosystem and serves individual clients through regular account reviews and wealth management education.

Charlotte Mc Gibbon is a financial advisor at Cerity Partners LLC with nine years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Morgan Stanley and The Vanguard Group, Inc. Outside of finance, she has experience in the restaurant industry, having worked at Rocco's Pizzeria and STARR Restaurants. Cerity Partners is an SEC-registered investment adviser serving a diverse client base including individuals, families, institutions, and charitable organizations. The firm provides customized portfolio management with a focus on diversified asset allocation and offers a broad range of services including financial planning, tax and insurance support, retirement plan services, and access to alternative and private-market investments.

Michael Toth is a CFP® professional with 15 years of experience in financial advising, currently with Schwab Wealth Advisory. He has worked at Charles Schwab since 2019 and previously held roles at USAA Investment Management Company and USAA Financial Advisors. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using standardized asset allocation models and Schwab research tools to guide investment recommendations, while clients retain final trading decisions.

Anne Schwab is a financial advisor with Schwab Wealth Advisory, Inc. in Phoenix, AZ, holding the CFP® designation and Series 63, 65, and 66 licenses. She has 22 years of industry experience, including prior roles at Charles Schwab & Co., Inc. and several other financial firms. Outside of advisory work, she is an author of both financial and fictional books, receiving royalties from her 2015 publication *Money Matters Made Simple*. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, delivering annual financial reviews and investment recommendations using Schwab’s proprietary tools and asset allocation models. The firm operates within the Schwab ecosystem and focuses on non-discretionary advice rather than discretionary portfolio management.

Ann Stojanovic is a financial advisor at Schwab Wealth Advisory in Phoenix, AZ, with six years of industry experience. She holds the Series 63 and Series 66 designations and has been with Schwab Wealth Advisory since 2020, having been affiliated with Charles Schwab since 2015. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers annual financial reviews, retirement and planning discussions, and investment recommendations using Schwab’s asset allocation models and research tools, while leaving final trading decisions to clients.

Jameson Van Houten is a CFP® and holds a Series 66 license with 23 years of industry experience. He is currently an advisor at Beacon Pointe Advisors, LLC, where he has worked since 2021. His prior experience includes roles at Crown Capital Securities, Lp and Stonegate Financial Group. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse client base, including individuals, institutions, and charitable organizations. The firm employs a manager-focused, asset-allocation approach using proprietary due-diligence processes and offers a range of services from wealth management to outsourced CIO solutions.

Grace Gaabucayan is a CFP® and Series 65 licensed advisor with three years of industry experience. She is currently with Schwab Wealth Advisory in Phoenix, AZ, having joined in 2023. Her prior experience includes roles at Versant Capital Management, First Western Financial, and Northern Trust. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations. The firm delivers advice using Schwab’s asset allocation models and research tools, with clients making final trading decisions.

James Cooney is a financial advisor with Focus Partners Wealth, LLC in Phoenix, AZ, holding Series 63 and Series 65 licenses and possessing seven years of industry experience. His career includes roles at The Colony Group, LLC, HoyleCohen, LLC, Stellar Capital Management, and Empirical Wealth Management. Focus Partners Wealth serves a diverse client base, including individuals, high-net-worth families, family offices, corporations, retirement plans, and institutions, offering a range of wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach that integrates fundamental and quantitative analysis with external manager resources, alongside a broad platform of affiliated service companies providing insurance, lending, and real estate investment solutions.

Nikolaos Stathopoulos is a CFP® with nine years of experience in financial advisory, currently with Schwab Wealth Advisory, Inc. He previously worked at The Vanguard Group and has experience as a self-employed advisor and at Randstad. Based in Phoenix, AZ, he holds Series 63 and Series 65 licenses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Charles Schwab ecosystem, offering clients annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm uses standard asset allocation models and Schwab research tools, with clients making final trading decisions and accounts reviewed at least annually.

Colin Maurer is a financial advisor at Schwab Wealth Advisory in Phoenix, AZ, holding Series 65 and Series 66 licenses with one year of industry experience. His prior work includes roles at Charles Schwab & Co., Inc. and other diverse positions outside the financial industry. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations through proprietary Schwab research tools and standard asset allocation models.

Michael Frazier is a CFP® with 17 years of industry experience and currently practices at Empower Advisory Group. His prior roles include positions at The Vanguard Group, Merrill, Bank of America, and USAA Financial Advisors. He has also worked in education within the Phoenix Union and Paradise Valley School Districts. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services tied to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing in its financial planning service and serves a large participant base with a higher client-to-advisor workload than many peers.

Andrew Johnson is a financial advisor with Empower Advisory Group in Mesa, AZ. He holds Series 66 and Series 63 designations and has one year of industry experience. His prior work includes roles at Trajan Wealth and loandepot. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm’s services emphasize long-term portfolio returns and annual rebalancing, delivered through an integrated model tied to Empower’s recordkeeping and administrative platforms.

Benjamin Aeschliman is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 registrations and having 14 years of industry experience. He has worked at Charles Schwab Bank since 2014 and Charles Schwab & Co., Inc. since 2011. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm uses Schwab’s standard asset allocation models and research tools, with advisors recommending allocations while clients retain final trading decisions.

Randy Morse is a CFP® professional with over 32 years of experience in the financial services industry. He has worked at Creative Planning since 2018 and previously spent 22 years at Fidelity Brokerage Services, Inc. and Fidelity Personal Trust. Outside of his advisory role, he is a landlord of rental properties in Mesa, AZ, and Aliso Viejo, CA. Creative Planning provides comprehensive investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm employs a financial planning–led investment approach with an emphasis on low-cost indexing and buy-and-hold strategies, supported by a range of supplemental investment options and integrated retirement plan services.

Dustin Giannangelo is a financial advisor with Kestra Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and 19 years of industry experience. Prior to joining Kestra Advisory and Kestra Investment Services in 2017, he worked at LPL Financial for three years. He is also the owner and CEO of NeutrinoIQ, a financial software company focused on product vision and leadership. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, including plan sponsors. The firm offers a range of services such as fiduciary consulting, plan design, investment advice, and employee education, serving large investors with approximately $79.8 billion in assets under management and maintaining extensive third-party and affiliate relationships.

Jonathan Crosby is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. His prior roles include positions at Charles Schwab, Protective Life Corporation, Private Client Services, RFG Advisory, Regions Bank, and BBVA Securities Inc. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab’s asset allocation models and research tools. The firm focuses on annual financial reviews and investment recommendations, with final trading decisions made by clients.

Daniel Skellan is a financial advisor with Eagle Strategies (NY Life) and holds Series 63 and Series 66 licenses. He has nine years of industry experience, including roles at NYLIFE Securities LLC and New York Life Insurance Company. Skellan has also served as a board member for Four Peaks Little League, where he is involved in teaching youth baseball. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple advisory programs and emphasizes tailoring solutions to client objectives, operating primarily on a non-discretionary asset management basis within the New York Life affiliate structure.

Zachary Green is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and one year of industry experience. Prior to joining Schwab, he worked in the construction sector with Arizona Tile and Stone Specialists and Sun West Builders. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Charles Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly for advisory services.

Aaron Albers is a financial advisor at Commonwealth Financial Network with two years of industry experience. He holds a Series 66 designation and previously served in the United States Marine Corps from 2020 to 2024. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors and manages about $212.7 billion in client assets. The firm provides a comprehensive adviser-support platform, including managed-account programs, access to third-party asset managers, and custody services.