Kevin Gotwalt is a financial advisor at Primerica Advisors with 19 years of industry experience. He holds a Series 66 designation and has worked with Park Avenue Securities and Guardian Life Insurance Company since 2006. Outside of his advisory role, he is involved in providing insurance services including health, life, disability, annuities, and long-term care insurance through other companies. Primerica Advisors serves a diverse retail client base, offering brokerage and advisory services along with financial planning and consulting. The firm employs a range of investment strategies through proprietary and third-party portfolios and supports various account-level services including lending solutions and donor-advised funds.

Michael Rautiola is a CFP® professional with 25 years of experience in financial advising. He is currently affiliated with CWM, LLC and has held roles at firms including RLW Financial Advisors, Cetera Wealth Services, and RFC Financial Planners. He is co-founder of a fixed insurance business, providing life, health, disability, annuities, and long-term care solutions to clients. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients primarily through a network of more than 600 advisors. The firm offers portfolio management, financial planning, sub-advisory, and retirement plan services, generally managing accounts on a discretionary basis using model portfolios developed by an in-house Investment Committee.

Thomas O'Brien is a financial advisor with TLG Advisors, Inc. based in Scottsdale, AZ. He holds Series 63 and Series 65 designations and has 25 years of industry experience. His prior roles include positions at Kestra Investment Services, WealthPoint LLC, OneAmerica Securities, and Polaris Insurance Advisors LLC, where he is involved in business development and operations management. TLG Advisors, Inc. serves a diverse client base including individuals, high-net-worth clients, trusts, charitable organizations, corporations, and institutional investors. The firm provides investment supervisory services, portfolio management, and comprehensive financial planning, employing a manager selection process grounded in fundamental analysis and Modern Portfolio Theory.

Johnnie Harris is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. Prior to joining Schwab Wealth Advisory in 2021, Harris worked at Financial Engines Advisors L.L.C., Sagepoint Financial, Inc., and Advisor Group in Arizona. Outside of financial advising, Harris is a part owner of Robinson Airport Shuttle, a transportation business in Gary, Indiana. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing standardized asset allocation models and Schwab research tools to deliver tailored investment recommendations while leaving final trading decisions to clients.

Thomas Ellis is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 65 and Series 63 licenses and bringing 10 years of industry experience. His prior work includes roles at Transamerica Financial Advisors, World Financial Group, and several technology companies such as Uber, Lyft, and Postmates. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners by providing managed advice programs and investment education, relying on Morningstar Investment Management for portfolio construction and oversight.

Paul Nacario is a financial advisor with Creative Planning holding Series 63 and Series 65 credentials and 32 years of industry experience. He previously worked at Innovest Portfolio Solutions, LLC and ICMA Retirement Corporation. Paul is based in Scottsdale, AZ. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals and institutional clients. The firm employs a financial-planning-led investment approach that combines low-cost indexing, buy-and-hold strategies, and selective private market exposure.

Bryce Webber is a CFP® with eight years of experience in the financial industry. He has worked at Mariner Wealth Advisors since 2019 and previously held roles at The Vanguard Group and the University of North Carolina Wilmington. Webber is based in Scottsdale, AZ. Mariner serves a diverse client base including high-net-worth individuals, retirement plans, trusts, and charitable organizations. The firm offers customized discretionary portfolios supported by in-house research and third-party managers, along with integrated tax, accounting, and family office services.

Jeffrey Poitras is a financial advisor with Voya Financial Advisors, Inc. based in Scottsdale, AZ. He holds Series 63 and Series 66 licenses and has 24 years of industry experience. His work history includes positions at Water Tower Financial, Fidelity Investments, Voya Financial Partners, and The Vanguard Group. Outside of his advisory role, he is also involved in fixed insurance sales. Voya Financial Advisors, Inc. serves a diverse client base including individual and institutional investors, retirement plan sponsors, and high-net-worth individuals. The firm provides a variety of financial services such as financial planning, portfolio management, and plan-sponsor consulting through multiple program structures, with an emphasis on non-discretionary advice and a mix of advisory and broker-dealer activities.

Anthony Blair is a financial advisor with J.W. Cole Advisors, Inc. in Scottsdale, AZ, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has been with J.W. Cole Advisors since 2016 and is also involved with Agrandar Associates, Inc. outside of the firm. Blair is a limited partner in a dude ranch in Arizona and a partner in a low-income home building project in Puerto Penasco, Mexico. J.W. Cole Advisors is an SEC-registered investment adviser that serves individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm offers portfolio management, financial planning, access to third-party managers, and multiple managed account solutions, with investment decisions implemented on discretionary or non-discretionary bases.

Joanna Peters is a CFP® with 13 years of industry experience, currently serving at Schwab Wealth Advisory, Inc. She has previously worked at Vanguard and Fidelity, among other firms. In addition to her advisory role, she teaches virtual courses as an adjunct faculty member at Grand Canyon University. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab ecosystem, offering annual financial reviews, retirement planning, and investment recommendations using proprietary research and standard asset allocation models.

Carol Joyce is a financial advisor at United Planners Financial Services of America with 17 years of industry experience. She holds Series 66 and Series 63 licenses and has worked at several firms including Bulman Wealth Group and Able Financial Group LLC. She is also registered as a non-variable insurance agent in Cave Creek, AZ. United Planners Financial Services is a national wealth-management enterprise serving a broad client base, including individuals, retirement plans, corporations, and institutional clients. The firm manages approximately $12.77 billion in assets through a mix of custodians, third-party money managers, and platform programs, with most assets managed on a non-discretionary basis.

Jesse Sausedo is a financial advisor at Valic Financial Advisors with three years of industry experience. He holds the Series 66 designation and has prior work history at Kroger, where he was employed for 37 years. Additionally, he is appointed as an agent to sell non-securities insurance products for Agia. Valic Financial Advisors serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Joshua Lustbader is a financial advisor with Beacon Pointe Advisors, LLC, holding Series 63 and Series 65 credentials and three years of industry experience. His prior roles include positions at Stonegate Capital Advisors, The Vanguard Group, Fisher Investments, Paladini Financial Management, and RegentAtlantic. Beacon Pointe Advisors, LLC provides wealth advisory, consulting, financial planning, retirement-plan platform services, and outsourced chief investment officer services to individuals, corporations, pension and profit-sharing plans, and other institutional clients. The firm uses a combination of asset-allocation modeling and third-party independent managers, employing both active and passive strategies across public and private asset classes.

Marli Smythe is a financial advisor with United Planners Financial Services of America, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. Her prior roles include positions at PFG Advisors, Securities America, and Cue Financial Group. She is also the managing partner of Sparrow Financial, LLC, a marketing entity based in Glendale, AZ. United Planners Financial Services serves a diverse client base including individuals, corporations, and institutional clients, offering financial planning, portfolio management, retirement plan services, and brokerage solutions through an open-architecture platform with multiple custodians and third-party money managers.

Beth Yost is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 designations and 22 years of industry experience. She has been with Charles Schwab since 2004. Outside of her advisory role, she provides dog sitting services through the Rover.com platform. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a blend of non-discretionary and discretionary investment advisory services through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm’s integrated structure combines advisory, brokerage, custody, and cash-sweep services across multiple wrap programs.

Daniel Schneider is a financial advisor at Charles Schwab with 14 years of industry experience. He holds the Series 66 designation and has worked in various capacities including at 1ST Global Capital Corp., 1st Global Advisors Inc., and Schneider & Associate, CPAs, P.C. He serves as a parish council member and treasurer for St George Antiochian Orthodox Church, where he is involved in budgeting and financial oversight. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management services supported by a large, integrated platform.

Tracy Martin is a Wealth Management Advisor affiliated with Merrill, serving as a Merrill Resident Director. She works closely with individuals and families whose financial lives have grown more complex, often as a result of success, focusing on how capital is structured, coordinated, and aligned across the entire balance sheet. Tracy emphasizes thoughtful listening, open conversations, and personalized strategies designed around clients' goals, values, and evolving needs. Her expertise includes college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, small business strategies, women and wealth, tax minimization, and retirement income. Tracy holds professional designations such as Certified Divorce Financial Analyst (CDFA), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). She earned her Bachelor's Degree from Mercyhurst College. In addition to her professional work, Tracy is involved in community activities, serving as Co-President of the Merrill Women's Exchange Virtual Chapter. She values treating clients like family and aims to provide clarity, guidance, and confidence to help clients make financial decisions with both precision and purpose.

Randall Logan is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 66 licenses. Outside of his advisory role, he is a co-owner of Candy Properties, LLC, a non-investment business. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Zachary Moffat is a financial advisor at Morgan Stanley in Scottsdale, AZ, holding a Series 66 designation. He has been with Morgan Stanley since 2025 and has prior experience at several companies including Cartwheel, Rain International, and Corient. He has also worked in educational roles at Brigham Young University for several years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm employs structured planning tools and modeling techniques while managing approximately $2.74 trillion in client assets.

Paul Okonoski is a financial advisor with LPL Financial based in Peoria, AZ, holding Series 63 and 66 licenses and bringing 17 years of industry experience. His prior experience includes roles at Charles Schwab & Co., Inc. and Charles Schwab Bank. Outside of advisory work, he is a co-owner of a coffee shop under development in Mesa, AZ, which is managed by his wife. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing diversified investment strategies supported by proprietary and third-party research.