Richard Kueltzo is a financial advisor at Vanguard Advisers with 24 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Northern Trust Securities Inc. and Northern Trust Bank for nine years. Outside of his advising role, he is contracted as a part-time delivery driver for DoorDash. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios constructed mostly from Vanguard funds and ETFs, offering a range of customization options and managing a large client base through its digital delivery platform.

Gale Northrop is a financial advisor at Fidelity with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Fidelity and TD Ameritrade. Outside of his advisory role, he is a partner at Sweet But Fearless, an education and mentorship organization focused on women, where he contributes to strategy, training, and podcasting. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, AI-driven research, and its advisory role to multiple registered investment companies and fund-of-funds.

Manuel Laguer is a financial advisor at Charles Schwab with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab since 1998. Additionally, he has maintained a long-term affiliation with the University of New York at Buffalo. 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 guidance using multi-asset model portfolios, supported by centralized custody and operational infrastructure.

Michael Casey is a financial advisor with Vanguard Advisers based in Scottsdale, AZ. He holds Series 63 and Series 66 licenses and has nine years of industry experience, all with The Vanguard Group since 2017, following a brief tenure at Randstad. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible retirement plan participants, employing a goal-based, algorithm-driven approach that utilizes proprietary models and predominantly Vanguard funds and ETFs. The firm is notable for its scale and digital delivery, managing hundreds of thousands of client relationships through a combination of technology and a large team of advisors.

Mark Walford is a CFP®-certified financial advisor with 28 years of industry experience, currently serving at Vanguard Advisers. He has been with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 1997. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach that utilizes proprietary methodologies to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Karen Sinovic is a financial advisor with Wells Fargo Clearing in Scottsdale, AZ, holding a Series 63 designation and 54 years of industry experience. She has been with Wells Fargo Clearing since 2016. Outside of her advisory work, she serves as co-trustee of her son's trust. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individuals, corporations, and institutions. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Dorin Micula is a financial advisor at Vanguard Advisers with Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Vanguard in 2026, he worked at Charles Schwab & Co., Inc. from 2023 to 2026 and has a background that includes roles in education and hospice care. Vanguard Advisers serves retail investors and eligible employer-sponsored retirement plan participants through a combination of automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and primarily constructs portfolios with Vanguard funds and ETFs, offering customization options including tax-aware strategies and ESG considerations.

Joshua Watson is a financial advisor at J.P. Morgan Securities in Surprise, AZ, holding Series 63 and Series 66 credentials with 16 years of industry experience. His prior work includes roles at Wells Fargo Clearing and Ameriprise Financial Services, Inc. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2023. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process relies on centralized due diligence combining quantitative screening and qualitative research to build model asset allocations, focusing on written asset allocation advice, manager searches, and customized performance reporting.

Brian Robinson serves as a Client Experience Advisor within Merrill Lynch Wealth Management. In this role, he works directly with clients to understand their financial situations and introduces them to solutions available through Merrill and Bank of America. He brings expertise in helping individuals manage complex financial priorities, such as purchasing a home, saving for college, caring for elderly parents, and preparing for healthcare needs. Brian collaborates one-on-one with clients to define their financial goals and develop portfolio strategies aimed at achieving those objectives, providing ongoing advice and adjustments as circumstances evolve. Brian holds a Bachelor's Degree from the University of California System and maintains professional designations including CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA).

Nicolas Castaneda is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in comprehensive wealth management strategies tailored to meet the financial goals of individuals, families, and small business owners. His approach involves understanding clients' full financial situations and creating customized plans that adapt to changing needs and market conditions. Nicolas provides clients with access to the investment insights of Merrill and the banking and lending solutions of Bank of America. With over 25 years of experience, Nicolas focuses on areas including college education planning, divorce transition planning, employee benefits, family wealth management, LGBT wealth planning, portfolio management, special needs planning, women and wealth, sports and entertainment, and retirement income. He has extensive knowledge in real estate and supports athletes, small businesses, hotel owners, and commercial real estate clients. Nicolas holds a Personal Investment Advisor (PIA) designation and earned a Master's Degree from Grand Canyon University and a Bachelor's Degree from Arizona State University. Nicolas actively participates in his community, volunteering with local organizations. His personal interests include basketball, ice skating, music, and soccer. He works one-on-one with clients to develop personalized financial strategies designed to help pursue their long-term goals.

Marcus Luckeneder is a financial advisor with LPL Financial, holding a Series 66 designation and 14 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for eight years and Equitable Advisors for three years. Outside of his advisory role, he is involved in product design and manufacturing through a non-investment-related business activity. 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 financial planning, asset management programs, and institutional platforms, combining a broad advisory network with extensive non-advisory financial services.

Jessica Duncan is a financial advisor with Wells Fargo Clearing in Scottsdale, AZ, holding a Series 66 designation and four years of industry experience. She has previously worked at JPMorgan Chase Bank and J.P. Morgan Securities LLC and is the owner and operator of an e-commerce business selling houseplants on Etsy. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Serena Horsch is a CFP® and Series 63 credentialed financial advisor with 16 years of industry experience, all spent at The Vanguard Group. She is based in Scottsdale, AZ. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to portfolio construction, largely utilizing Vanguard funds and ETFs, and manages a large client base through a combination of digital platforms and advisory teams.

Robert Peary IV is a financial advisor at OSAIC in Scottsdale, AZ, holding the Series 66 credential and bringing 25 years of industry experience. His prior roles include positions at SagePoint Financial, Inc., Oppenheimer, and UBS Financial Services. He is a member of several LLCs, including Peary LLC, which manages his commission income and related business operations. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm uses model-based asset allocation and portfolio optimization, providing various managed and advisory account options supported by both proprietary and third-party strategies.

Scott Given is a Series 66-licensed financial advisor with Charles Schwab in Phoenix, AZ, and has 15 years of industry experience. He has served with Charles Schwab and Charles Schwab Bank since 2014. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 employs multi-asset model portfolios supported by Schwab Center for Financial Research due diligence.

Aaron Tanner is a financial advisor with LPL Financial in Scottsdale, AZ, holding Series 63 and Series 65 designations and bringing 22 years of industry experience. Prior to joining LPL Financial in 2024, he worked extensively with Northwestern Mutual in various investment management and wealth management roles from 2004 to 2024. He is also involved in selling term and disability insurance through a separate business activity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Jonathan Osterkamp is a financial advisor with LPL Financial in Scottsdale, Arizona, holding a Series 66 designation and 24 years of industry experience. He has been with LPL Financial since 2009 and previously worked at Ameriprise for three years. Outside of his advisory work, he established a single-member LLC for non-financial business transactions. 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 broad range of services including financial planning, model portfolios, and institutional platforms, supporting its advisors with tools such as machine learning for operational and research purposes.

Nicholas Miller is a financial advisor with Osaic, holding Series 63, Series 65, and Series 66 licenses and bringing 21 years of industry experience. His prior roles include positions at Principal Securities, Principal Life Insurance, and Waddell & Reed Inc. Osaic Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, offering a range of brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, supporting discretionary and advisor-managed strategies alongside third-party manager options.

Robert Williams Jr. is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 credentials and 32 years of industry experience. He has been with Vanguard in various capacities since 1995 and currently serves as Treasurer for the LUNAA AZ Chapter, a small university alumni group. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Personal Advisor services, serving retail investors and retirement plan participants. The firm’s investment approach is goal-based and algorithm-driven, utilizing proprietary methodologies and primarily Vanguard funds and ETFs to construct personalized portfolios with tax-aware and customization features.

Adrian Puentes is a financial advisor at Charles Schwab with 11 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Charles Schwab and Morgan Stanley during his career. 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 options, leveraging multi-asset model portfolios and alternative investments within a large, integrated operational structure.