Dannett Gardiner is a financial advisor with Cambridge Investment Research Advisors in Phoenix, AZ, holding Series 63 and Series 65 credentials and 14 years of industry experience. Gardiner has worked at several firms, including Proxy Wealth Advisors LLC, CETERA Financial Specialists LLC, and Avantax Investment Services, Inc. Outside of advisory roles, Gardiner is also a Certified Public Accountant providing tax services through Profound Financial PLLC. Cambridge Investment Research Advisors is a large SEC-registered advisory firm serving a broad range of clients, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing proprietary and third-party model strategies across various custody platforms.

Edward Maruggi is a financial advisor at UBS Financial Services in Phoenix, Arizona with four years of industry experience. He previously worked at Merrill and Bank of America, N.A. Edward also spent time involved with Saint Louis Men's Basketball and Saint Louis University. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research and capital markets solutions through a broad platform.

Kristin Chadwick is a financial advisor with Wells Fargo Clearing in Phoenix, AZ, holding a Series 66 designation and 19 years of industry experience. Her career includes multiple roles within Wells Fargo entities since 2011. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs, and serves as an ERISA fiduciary when advising clients.

Kirsten Bray is a financial advisor at Charles Schwab with 11 years of industry experience. She holds a Series 66 designation and has worked previously at firms including First Citizens Investor Services, Hilltop Holdings, and Wells Fargo Bank. Outside of her advisory role, she is a 50% owner of an LLC that owns an inherited rental property managed by a third party. 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. Schwab provides a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by centralized custody and a distinctive operational structure.

David Thompson is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 65 and Series 63 licenses and offering 28 years of industry experience. He previously worked at Financial Engines Advisors L.L.C. from 2014 to 2018. Outside of his advisory role, he is a drummer involved in performing and fine arts. Charles Schwab 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 relationships with access to affiliated discretionary separately managed accounts and offers integrated custody and brokerage services.

Lukas Mc Kenzie is a financial advisor at Charles Schwab with Series 66 and Series 63 licenses and two years of industry experience. Prior to joining Schwab, he worked at Amazon.com, Inc. and held various roles in staffing and recruitment firms. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and centralized operational infrastructure.

Nicolas Drogaris is a financial advisor with Charles Schwab holding a Series 66 designation and three years of industry experience. His career includes roles at UBS Financial Services, Edward Jones, and multiple positions within Charles Schwab’s various divisions. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a mix of non-discretionary and discretionary investment services supported by multi-asset model portfolios and centralized operational infrastructure.

Robert Fitchett is a financial advisor at Charles Schwab with 17 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab since 2017, following nine years at LPL Financial. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management solutions supported by multi-asset model portfolios and alternative investment options.

Craig Fuller is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and 17 years of industry experience. He has been with Charles Schwab since 2010. 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 relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by a centralized operational and supervisory structure.

Joseph Huskinson is a financial advisor at Charles Schwab with 12 years of industry experience. He holds a Series 66 designation and has held various roles at Charles Schwab entities since 2020, as well as previous experience at USAA and Wealthguard Advisors. Huskinson 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 wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separate managed accounts and offers a multi-asset model portfolio approach supported by centralized custody and operational capabilities.

Esther White is a financial advisor with Primerica Advisors in Phoenix, AZ, holding Series 63 and Series 65 credentials and 12 years of industry experience. Prior to her current role, she worked with the Arizona Department of Education and has been involved in tutoring since 2015. She is also the owner of E.M. Websites, LLC, a non-investment related business. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure rather than fixed fees.

Ritesh Khanna is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including JPMorgan Chase Bank, N.A., Bank of America/Merrill Lynch, and Palladyne International Asset Management. J.P. Morgan Securities provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager and fund searches, and customized performance reporting, delivering these services alongside affiliated brokerage, distribution, and investment management capabilities.

John Luy is a financial advisor at Robert Baird & Co. with 39 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Robert Baird since 1985. The DDK Group, part of Robert W. Baird & Co.’s Private Wealth Management department, serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a variety of financial planning, portfolio management, and advisory services, utilizing manager-traded and model-traded strategies, tax management, and internal research tools.

Evan Curtis is a CFP®-designated financial advisor with LPL Financial, based in Phoenix, AZ, and has eight years of industry experience. Prior to joining LPL Financial in 2021, he worked at Morgan Stanley, Parsonex Advisory Services, American Express, and has been affiliated with H&R Block since 1999. 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 financial planning and investment management services and supports its advisors with research tools and access to diverse investment strategies.

Zachary Subak is a financial advisor at Charles Schwab with nine years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab and Charles Schwab Bank since 2017 and 2018, respectively. Prior to his tenure at Schwab, he held positions at Lyft and Advanced Family Eyecare. 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 investment management, utilizing multi-asset model portfolios and centralized custody and brokerage services.

Leland Callahan is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2017, including a role at Morgan Stanley Private Bank, N.A. since 2022. Prior to joining Morgan Stanley, he had brief positions at California State University Long Beach and Pied Parker Inc. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes supported by proprietary tools and market outlook models.

Travis Todd is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2020 and previously worked at Charles Schwab for 20 years. Outside of his advisory role, he is a partner in a partnership focused on real estate investment and development and is a member of the Arizona Action Sports Park, LLC, a sports park facility development venture. Charles Schwab 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 investment management with multi-asset model portfolios and centralized custody and brokerage services.

Gabriel Chagolla Flores is a Financial Solutions Advisor (FSA) at Merrill Lynch Wealth Management. He focuses on helping clients identify what matters most to them and their families to develop strategies aimed at pursuing their financial goals. Gabriel holds a Bachelor's Degree from Soka University of America. His approach centers on understanding client priorities and creating tailored financial plans within the framework of Merrill Lynch Wealth Management.

Julian Peters is a financial advisor at Edelman Financial Engines in Phoenix, AZ, holding Series 63 and Series 65 licenses with 13 years of industry experience. He previously worked at THE Vanguard Group, Inc. before joining Financial Engines Advisors L.L.C., which later became part of Edelman Financial Engines. Outside of his advisory role, he is an owner of a rental property managed by a third-party company. Edelman Financial Engines provides technology-driven investment advisory services for workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm combines model-based and customized portfolios with both advisor-led and online offerings, serving a large client base through a mix of discretionary and non-discretionary programs.

Agustin Silva is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 10 years of industry experience. He has been with J.P. Morgan Securities since 2015 and also has experience with JPMORGAN Chase Bank, N.A. since 2014. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.