Joshua Dorrance is a financial advisor at Schwab Wealth Advisory with 8 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Schwab Wealth Advisory Inc. since 2020 and Charles Schwab & Co., Inc. since 2017. His prior work experience includes roles at the University of New Mexico and its School of Medicine. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations for clients in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients. The firm’s guidance is based on standard asset-allocation models and internal research tools, with client authorization required for trades and recommendations tailored to individual goals and risk tolerance.

Jack Stephens is a financial advisor with Schwab Wealth Advisory and holds a Series 66 designation. He has one year of industry experience and has worked previously at Wilde Wealth Management Group and Charles Schwab & Co., Inc. Outside of financial services, he has experience in the food service industry, including positions at Ike's Love and Sandwiches and Amiel's Original Submarine. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning for clients enrolled in the Schwab Wealth Advisory program or referred by Charles Schwab & Co. The firm uses standard asset-allocation models and internal research tools to offer personalized recommendations without exercising discretionary trading authority.

Jason Tamani is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and having 14 years of industry experience. He has been with Schwab Wealth Advisory since 2015 and has a total of 18 years at Charles Schwab. Outside of his advisory role, he works part time as an Amazon Flex delivery driver. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice and financial planning. The firm uses Charles Schwab’s asset-allocation models and research tools to provide tailored recommendations without exercising discretionary trading authority.

Tyler Herr is a financial advisor with Benjamin F. Edwards & Company, Inc. He holds a Series 66 designation and has 18 years of industry experience. Prior to joining Benjamin F. Edwards in 2018, he worked at Wells Fargo Clearing for two years. Benjamin F. Edwards & Company is an integrated broker-dealer and SEC-registered investment adviser serving individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers a range of services including wrap-fee advisory programs, financial planning, retirement plan consulting, investment management, brokerage services, insurance products, and certain M&A advisory services.

Jared Spraggins is a CFP® with 26 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, where he has worked since 2025, and previously spent over a decade at Schwab Private Client Investment Advisory, Inc. Outside of finance, he owns and operates Waylon Records LLC, a record label involved in music creation, marketing, and distribution. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services primarily to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s investment guidance is based on Charles Schwab & Co.’s asset-allocation models and research tools, with a focus on customized recommendations aligned to clients’ goals and risk tolerance.

Lucas Richard is a financial advisor at Schwab Wealth Advisory with four years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab & Co., Inc., Bank of America, and other firms in various roles. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and select referrals, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Schwab’s asset-allocation models and internal research tools.

Gary Johanson is a financial advisor at Hornor, Townsend & Kent, LLC with 31 years of industry experience. He holds Series 63 and Series 65 designations and has been associated with Penn Mutual Life Insurance Company and Hornor, Townsend & Kent since 2012. In addition to his advisory role, he is engaged in insurance sales and service for multiple carriers, including Penn Mutual. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a wide network of advisers. The firm offers advisory programs, financial planning, and retirement plan consulting while operating both advisory and broker-dealer services.

Jeffrey Wilhelms is a financial advisor with Lincoln Investment in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Lincoln Investment since 2010, following previous roles at MM Ascend Life Investor Services and Voya Financial Partners. In addition to his advisory work, he is involved in fixed insurance sales, including life insurance and fixed annuities. Lincoln Investment Planning, LLC is a large enterprise advisory and broker-dealer serving a diverse client base that includes individual and high-net-worth investors, trusts, charities, and retirement plans. The firm combines advisor-led consulting with strategic model portfolios developed by its in-house Investment Management & Research team and utilizes a layered delivery model involving third-party managers and fiduciary oversight for retirement advice.

Delfinaa Solanki is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. She holds a Series 66 designation and previously worked at Merrill for ten years before joining Schwab in 2025. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain referrals. The firm utilizes Charles Schwab’s asset-allocation models and research tools to tailor recommendations based on clients’ goals and risk tolerance, with services delivered on a large scale and supported by formal compliance and supervisory measures.

Todd Garrett is a CFP® professional with 18 years of industry experience, currently serving at Schwab Wealth Advisory in Phoenix, AZ. His career includes roles at Charles Schwab & Co., Inc. since 2016, and prior experience with Fidelity and Vanguard Advisers. 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 guidance is based on proprietary asset-allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

Alan Mendoza Valencia is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and based in Phoenix, AZ. He has one year of industry experience, including roles at Charles Schwab & Co., Inc. and Schwab Wealth Advisory Inc. Prior to his advisory career, his work history includes positions at Burlington Stores, Whataburger, and the YMCA. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s investment approach is guided by proprietary asset-allocation models and internal research tools, offering personalized recommendations without exercising discretionary trading authority.

Chad Ensign is a financial advisor at AE Wealth Management, LLC with 11 years of industry experience. He holds a Series 65 designation and has worked at AE Wealth Management since 2017. He is also president of Ensign Wealth Management, Inc., and serves as chapter president and instructor for the American Financial Education Alliance, a nonprofit focused on public finance education. 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 investment approach with model portfolio solutions, discretionary asset management, financial planning, and consulting services.

Anacapri Zuniga is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and one year of industry experience. Prior to joining Schwab Wealth Advisory, Zuniga held roles at Care.com and several other companies. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice and financial planning based on Charles Schwab’s standard asset-allocation models and internal research tools. The firm’s services include guidance on asset allocation and investment selection, with trades executed only upon client authorization.

Stephen Hazel is a CFP® with 17 years of industry experience, currently serving as an advisor at Farther since 2025. He previously led Hazel Financial, PLC dba Magnificent Life Financial Planning for 12 years. Outside of advising, he owns Foundation Tax Advisors LLC, a tax preparation business, and BoyerHazel & Co LLC, which provides administrative services. Farther provides discretionary investment management and related advisory services primarily to individual investors, trusts, and estates through a web and mobile platform and in-person meetings. The firm employs a Modern Portfolio Theory-based approach using proprietary model portfolios, algorithmic rebalancing, and a range of investment vehicles including ETFs, mutual funds, equities, and fixed income.

Steven Stombaugh is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Schwab Wealth Advisory in 2025, he worked at Charles Schwab beginning in 2023 and spent three years in full-time education from 2019 to 2022. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm utilizes standardized asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance, with trades executed only upon client authorization.

Amrish Patel is a financial advisor with Independent Financial Group, LLC, holding a Series 66 designation and bringing 24 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, MetLife Securities, Securities America Advisors, and Merrill. Outside of his advisory work, he is involved in consulting and business coaching through GWS Advisors, LLC, and co-owns a tax consulting firm, GWS Tax Facts, LLC. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and institutional investors. The firm offers financial planning and portfolio management services using both firm- and third-party models, combining active and passive investment strategies tailored to individual risk profiles.

Albert Filosa is a financial advisor with Integrated Wealth Concepts LLC in Scottsdale, AZ, holding Series 63 and Series 65 credentials and 30 years of industry experience. He previously worked at Lincoln Financial Advisors Corp for 14 years before joining Integrated Wealth Concepts and LPL Financial in 2017. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan services, employing a primarily long-term investment approach with customized portfolios using mutual funds, ETFs, equities, and fixed income.

Shaun Samuels is a financial advisor with TIAA-CREF based in Phoenix, AZ, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, and Charles Schwab. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing relationships through employer retirement plans. The firm offers a range of advisory services including model and customized portfolios, and acts as adviser to a donor-advised fund within a vertically integrated structure.

Thomas Noel is a financial advisor with Carson Wealth, holding ChFC® and Series 63 designations and bringing 36 years of industry experience. He has worked at several firms including LPL Financial and Cetera Advisor Networks, and is a partner at Noel-Schopen, LLC dba Financial Impact Advisors. In addition to his advisory work, Noel is also an insurance agent selling life, health, disability, annuities, and long-term care insurance. CWM, LLC is an SEC-registered investment adviser operating an enterprise platform with over 650 advisors and approximately $50.6 billion in assets under management. The firm offers discretionary asset management, financial planning, and retirement plan services, employing an Investment Committee to manage model portfolios and providing tailored investment solutions alongside comprehensive portfolio oversight.

David Eldridge is a financial advisor at Farther with 10 years of industry experience. He holds the Series 65 and Series 66 designations and has previously worked with Financial Engines Advisors, LLC, Kingdom Financial Group, LLC, and Golden State Equity Partners, LLC. Farther provides discretionary investment management and advisory services primarily to individual investors, trusts, and estates through a combination of digital platforms and in-person meetings. The firm uses a Modern Portfolio Theory-based approach with proprietary models and algorithmic rebalancing, employing a range of investment vehicles including ETFs, mutual funds, equities, and fixed income.