Kevin Fitzpatrick is a financial advisor at Vanguard Advisers with seven years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Vanguard Advisers, he worked at U.S. Bancorp Advisors, Charles Schwab & Co., and Wells Fargo Bank. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, serving retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach with portfolios primarily constructed from Vanguard funds and ETFs.

Kevin Wilkison is a financial advisor with Ameriprise in Phoenix, AZ, holding Series 63 and Series 65 licenses and 25 years of industry experience. His prior roles include positions at Cardinal Management AZ LLC, Royal Alliance Associates, Inc., and AXA Advisors, LLC. He serves as a board member for the Arizona Municipal School Board Leaders (AZMSBL). Ameriprise is an institutional firm that provides retirement-income planning services for individuals approaching or in retirement, typically serving clients with significant investable assets. The firm combines research, modeling, and tax-efficiency strategies to deliver tailored, non-discretionary retirement recommendations through a centralized consulting team.

Jason Schiffman is a financial advisor at Vanguard Advisers with 16 years of industry experience. He has been with Vanguard Advisers since 2014 and has worked within various Vanguard entities since 2010. He holds the Series 63 and Series 65 designations and is based in Scottsdale, AZ. Vanguard Advisers provides both 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 utilizing proprietary models to create personalized asset allocations, offering a wide range of customization options and managing portfolios primarily with Vanguard funds and ETFs.

Austin Noval is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. Prior to joining Equitable, he has held positions at the City of Fremont, Under Armour, and Arizona State University. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as a dual-registered SEC investment adviser and broker-dealer, working extensively with program sponsors and third-party managers to deliver advisory and brokerage solutions.

Daniel Krieg is a financial advisor at OSAIC with 23 years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Securities Corp and Lincoln Financial Advisors for 23 years. Outside of his advisory career, he has been involved with Oley's Pizza since 1995. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, retirement plan consulting, and access to third-party money managers. The firm employs a variety of tools and platforms to construct diversified portfolios tailored to client needs.

Terri Osness is a Certified Financial Planner (CFP®) with 28 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven, incorporates modern portfolio theory, and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Sherri Reeves is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 66 designations and 17 years of industry experience. She has been with The Vanguard Group since 2016. Vanguard Advisers offers automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary glide-path methodology and the Vanguard Capital Markets Model to construct portfolios primarily from Vanguard funds and ETFs.

Thaxton Peterson is a CFP® with 28 years of industry experience, currently affiliated with Wells Fargo Clearing. He has held positions at Morgan Stanley and its private bank divisions since 2013. In addition to his advisory work, he assists in his wife's retail clothing business. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Vanessa Kalekwa is a financial advisor at Morgan Stanley with one year of industry experience. She holds a Series 66 designation and has previously worked at Cambridge Investment Research Advisors and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment committee analyses in its financial planning process.

Robert Cartafalsa is a CFP® with 13 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2013. He is based in Scottsdale, AZ, and holds a Series 63 license. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach, managing large-scale client relationships through digital delivery combined with a team servicing model.

Daniel Horyza is a financial advisor with Morgan Stanley in Scottsdale, AZ, holding a Series 66 designation and 19 years of industry experience. He has been with Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs including tailored financial planning, utilizing structured discovery conversations and firm-approved tools to develop client plans.

Nick Goins is a Series 66-licensed financial advisor with 11 years of industry experience. He is currently with Thrivent Investment Management and Thrivent Financial, where he has worked since 2022. Prior to that, he held roles at MML Investor Services LLC, Mass Mutual, Wells Fargo Clearing, and Edward Jones. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive written recommendations on topics such as retirement, taxes, estate, business continuation, divorce, and special needs planning. The firm uses holistic, goal-based analyses and allows clients to combine planning with managed-account programs while maintaining separate service structures.

Michael Szabados is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 credentials and has been with various J.P. Morgan entities since 2013. 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 through a network of Wealth Advisors. As part of J.P. Morgan, the firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.

Tyler Craig is a CFP® professional with 22 years of industry experience, currently serving at Vanguard Advisers. His background includes roles at J.P. Morgan Securities LLC and multiple positions within Vanguard entities dating back to 2005. He serves as a board member of the nonprofit Fellowship of Christian Athletes in Phoenix, AZ. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven approach with portfolios mainly composed of Vanguard funds and ETFs, leveraging scale and digital delivery to manage a large client base with over 2,200 advisors.

Dylan Barrera is a financial advisor with Vanguard Advisers based in Scottsdale, AZ, holding a Series 66 designation and 11 years of industry experience. His prior experience includes roles at Primerica, Securities America, and self-employed advisory work. Outside of his advisory role, he owns an e-commerce business, KCMB Enterprises, LLC. Vanguard Advisers offers automated and human-supported investment advice through Vanguard Digital Advisor and Personal Advisor services, primarily serving retail investors and eligible employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven approach and constructs portfolios mainly from Vanguard funds and ETFs, combining scale and digital delivery with personalized investment solutions.

Joseph Romero is a financial advisor at RBC Capital Markets with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at RBC Capital Markets since 2009 and City National Bank since 2020. Outside of his advisory role, he serves on the board of directors for the Kiwanis Club of Corrales, including a term as chair of youth services. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs and tailors investment strategies using a combination of in-house and third-party managers, providing comprehensive portfolio management and financial planning services.

John Flores is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and bringing six years of industry experience. His career includes roles at Vanguard Advisers, The Vanguard Group, LPL Financial, and previous service in the U.S. Army Reserve and United States Air Force. Vanguard Advisers provides automated and human-supported investment advice through digital and personal advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach that utilizes proprietary models to create personalized asset allocations, with portfolios mainly composed of Vanguard funds and ETFs.

Audrey Fuga is a financial advisor at Vanguard Advisers with four years of industry experience. She holds Series 66 and Series 63 designations and has worked at The Vanguard Group since 2022. Outside of her advisory role, she is contracted as a pet sitter through Rover. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models to construct portfolios largely from Vanguard funds and ETFs, offering various customization options and managing a large client base through its digital platform and advisory team.

Caleb Riccio is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding a Series 66 designation and four years of industry experience. His work history includes roles at The Vanguard Group, Fiducient Advisors, and Chipotle. Outside of his advisory work, he operates an Etsy shop selling Excel templates and engages in freelance photography. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach with portfolios constructed mostly from Vanguard funds and ETFs, emphasizing digital delivery and large-scale client servicing.

William Martin Castillo is a Series 66-licensed financial advisor with Morgan Stanley in Scottsdale, AZ, bringing four years of industry experience. His career includes prior roles at Catalina Wealth Management and teaching positions at the University of Arizona and Pima Community College. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer providing a range of advisory programs and tailored financial planning services to individuals and institutions. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools alongside its investment strategies.