Terry Heimes is a Certified Financial Planner® with 31 years of experience, currently affiliated with Commonwealth Financial Network and co-owner of CalmWater Financial Group. He has been with both Commonwealth and CalmWater Financial Group since 2011. He also owns On Time, LLC, a private entity unrelated to investments. 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 around $212.7 billion in client assets. The firm offers a range of managed account programs, access to third-party asset managers, and comprehensive back-office services.

Tracy Mc Macken is a CFP® professional with nine years of industry experience, currently serving at Schwab Wealth Advisory, Inc. She previously worked for The Vanguard Group for eight years and has been with Schwab since 2024. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on proprietary asset-allocation models and internal research, with personalized recommendations reviewed at least annually.

James Lesniewski is a financial advisor at VALIC Financial Advisors with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including LPL Financial and Bankers Life. He also acts as an agent selling non-securities insurance products through Agia. VALIC Financial Advisors serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers wrap programs, portfolio management, and financial planning through a large network of advisors, utilizing discretionary unified managed accounts and a technology-driven approach to investment management.

Nicholas Scarcelli is a financial advisor with Independent Advisor Alliance, LLC in Phoenix, AZ, holding a Series 66 designation and four years of industry experience. His prior work includes roles at LPL Financial, Equitable Advisors, LLC, and Creative Financial Group. Outside of advisory services, he has administrative responsibilities supporting Independent Advisor Alliance. Independent Advisor Alliance serves a diverse client base including individuals, small businesses, charitable organizations, and retirement plans, offering asset management, financial planning, and retirement plan consulting. The firm uses a network model of independent advisory representatives and leverages a range of portfolio management strategies and technology platforms to deliver its services.

Robert Johnson is a CFP® credentialed financial advisor with 15 years of industry experience. He has worked at Charles Schwab since 2021 and previously spent 10 years with THE Vanguard Group, Inc. He is based in Phoenix, AZ. He is affiliated with Schwab Wealth Advisory, Inc., which provides non-discretionary fiduciary investment advice and financial planning for clients enrolled in the Schwab Wealth Advisory program. The firm’s approach emphasizes asset allocation and investment selection using Charles Schwab & Co.’s internal research and standard models, with recommendations tailored to client goals and risk tolerance.

Philipp Ballmaier is a financial advisor with PNC Wealth Management in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. His prior roles include positions at The Vanguard Group and Charles Schwab. Outside of finance, he is a freelance writer, a habilitation specialist with Arizona Autism, and a YouTube content creator for Timeless Devotionals. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary account for employees that uses algorithm-driven risk assessments and invests primarily in mutual funds and ETFs.

Daxs Stadjuhar is a financial advisor at TLG Advisors, Inc. with 22 years of industry experience and holds a Series 66 designation. His previous roles include positions at LPL Financial, Mariner Independent Advisor Network, and Strategic Wealth Advisors Group. He is also involved with 8 Bar Enterprises, an entrepreneurial venture. TLG Advisors, Inc. serves a wide range of clients including individuals, high-net-worth clients, trusts, and institutional investors, offering investment supervisory services, portfolio management, and comprehensive financial planning. The firm’s investment approach emphasizes manager selection and ongoing monitoring, utilizing fundamental analysis and Modern Portfolio Theory to build diversified portfolios, with many accounts managed through sub-advisors and program platforms.

Sean O Neill is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding a Series 66 designation and two years of industry experience. Prior to joining Schwab Wealth Advisory, he worked at SP+ and Mohegan Sun. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on standard asset-allocation models and internal research tools, focusing on client goals and risk tolerance without exercising discretionary trading authority.

William Read is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. He has been with Charles Schwab and its affiliated advisory firm since 2000. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses Charles Schwab’s asset-allocation models and internal research tools to deliver recommendations tailored to individual goals and risk tolerance, with trades executed only upon client authorization.

Jason Kennedy is a financial advisor at Focus Partners Wealth, LLC with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including The Colony Group, Commonwealth Financial Network, and Retirement Wealth Partners LLC. Kennedy is based in Scottsdale, AZ. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients with wealth management, investment advisory, financial and tax planning, and employee benefit consulting. The firm employs an enhanced open architecture investment approach that integrates active and passive strategies, third-party managers, and private funds, while also providing access to affiliated private funds and specialized financial products.

Alisha Kotranza is a financial advisor at Schwab Wealth Advisory with one year of industry experience. She holds Series 66 and Series 63 licenses and has worked at Charles Schwab & Co., The Vanguard Group, and Wells Fargo. Prior to her financial services career, she worked in hospitality and the coffee industry. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab & Co.’s asset-allocation models and internal research tools to guide investment selection and wealth management.

Timothy Cone is a financial advisor with AE Wealth Management, LLC, holding a Series 65 credential and over a decade of industry experience, including twelve years at Centuri Group. He is also involved with Arizona Estate Planners, Inc., a comprehensive financial, estate, and insurance planning firm. Outside of his advisory work, Cone is the founder of Orange Dog Ware, an online outdoor apparel and goods business that also offers upland dog guide services. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base, including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a platform-centered approach combining model portfolios from AEWM, third-party strategists, and advisor-managed models, supported by internal investment consulting and licensing programs.

Alex Wilson is a Certified Financial Planner (CFP®) with 25 years of industry experience. He has worked with Schwab Wealth Advisory Inc. since 2017 and previously held roles at USAA Financial Planning Services and Merrill. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning through the Schwab Wealth Advisory program, serving clients with tailored asset allocation and investment recommendations based on Charles Schwab & Co.’s models and research tools.

Marc Delphine is a financial advisor with Empower Advisory Group in Scottsdale, AZ, holding Series 63, 65, and 66 licenses and possessing 24 years of industry experience. His prior roles include positions at GWFS Equities, Inc., Prudential Investment Management Services LLC, and Edward Jones. Outside of advising, he serves as an adjunct professor at Grand Canyon University, teaching basic economics. Empower Advisory Group provides financial planning and investment management primarily for employer-sponsored retirement plan sponsors and their participants, delivering services through an integrated platform that emphasizes long-term portfolio returns and annual rebalancing.

Michael Seigal is a financial advisor at Schwab Wealth Advisory with 19 years of industry experience. He holds the Series 66 designation and has worked at Charles Schwab and Co., Inc., Charles Schwab Bank, SSB, and USAA-affiliated firms over his career. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients in the Schwab Wealth Advisory program, utilizing Charles Schwab’s asset allocation models and internal research to tailor recommendations based on individual goals and risk tolerance.

Brandon French is a financial advisor with TIAA-CREF in Phoenix, AZ, holding the Series 66 and Series 63 designations and bringing 10 years of industry experience. His prior roles include positions at Personal Capital Advisors Corporation, Amazon, and Fidelity Brokerage Services LLC. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm offers distinct planning and ongoing management services, including customized portfolios and donor-advised fund advisory, operating within a vertically integrated structure.

Travis Mcgann is a CFP®-certified financial advisor with 20 years of industry experience, currently with Independent Financial Partners. He has held roles at firms including LPL Financial and Wells Fargo Investments. Outside of advisory work, he is involved with The Pinnacle Group as a life insurance agent. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm supports diversified client needs with a decentralized advisory model and notable retirement-plan advisory and pension consulting capabilities.

Samuel Hawkins is a financial advisor with Sequoia Financial Group, L.L.C., holding a Series 66 designation and seven years of industry experience. His prior work includes roles at Cetera, Renaissance Financial, and Securian Financial Services. Outside of finance, he has experience in the restaurant industry with Fox Restaurant Concepts. Sequoia Financial Advisors, LLC serves a diverse client base including individuals, family offices, corporations, and charitable organizations. The firm offers wealth planning, investment management, and retirement-plan advisory services, using a mix of model and custom portfolios with various investment vehicles overseen by an Investment Policy Committee.

Tracy Rinaldi is a financial advisor at Rockefeller Financial LLC with 32 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Stifel Nicolaus & Co Inc, Merrill, and Morgan Stanley Smith Barney. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, institutional clients, retirement plans, foundations, and corporations. The firm provides discretionary and non-discretionary portfolio management, financial planning, and consulting, and operates as a registered broker-dealer offering securities transactions, variable insurance products, placement, and investment banking services.

Taylor Sevenants is a CFP® professional with two years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. Prior to joining Schwab, Taylor has experience in diverse roles including positions at Ambli Global Cuisine and Grand Canyon University. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, utilizing asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance.