Curtis Westrich is a CFP® professional with 14 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, having previously worked at Providers Wealth LLC, Mariner Wealth Advisors, Moss Adams Wealth Advisors LLC, and Charles Schwab in various roles. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its program, offering annual financial reviews, retirement planning, and investment recommendations based on Schwab’s proprietary research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice without discretionary trading authority and primarily serving individual clients rather than institutional accounts.

Mary Wilcox is a CFP® with 30 years of industry experience, currently serving at J.W. Cole Advisors, Inc. since 2003. She has held roles at Wilcox Tax and Financial Advisors LLC and Jonathan Roberts Financial Group, Inc., among others. Outside of financial advising, she is involved with High Country Alpacas, LLC, where she acts as treasurer and marketing consultant for a business focused on breeding alpacas and selling alpaca fiber products. J.W. Cole Advisors is an SEC-registered firm that serves individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm offers portfolio management, fee-based financial planning, access to third-party managers, and multiple managed account solutions including digital advice platforms.

Richard Forscutt is a financial advisor with Money Concepts Capital Corp in Sun Lakes, AZ, holding the PFS™ designation along with Series 63 and Series 65 licenses. He has 14 years of experience at Money Concepts Capital Corp and over 30 years as a CPA providing tax preparation and accounting services. In addition to his advisory role, he maintains a tax preparation business and is a partner in a family real estate venture. Money Concepts Advisory Service offers portfolio management, financial planning, and consulting to a diverse client base including individuals, pension plans, trusts, and corporations. The firm employs a combination of model portfolios, advisor-designed portfolios, and third-party sub-advisers, applying both fundamental and technical analysis within a framework of modern portfolio theory.

Eric Nielsen is a financial advisor at Schwab Wealth Advisory with 19 years of industry experience. He holds Series 63 and Series 66 registrations and has been with Schwab Wealth Advisory since 2012, following initial work at Charles Schwab & Co., Inc. beginning in 2007. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses Schwab’s asset allocation models and research tools to recommend investments, conducting at least annual account reviews while leaving final trading decisions to clients.

Chris Anoya is a CFA® charterholder with 13 years of industry experience. He has worked at Fisher Investments for 11 years and Fidelity Investments for 2 years before joining Schwab Wealth Advisory Inc. and Charles Schwab in 2025. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools to recommend investment allocations while leaving final trading decisions to clients.

Zackary Meier is a financial advisor at Schwab Wealth Advisory with two years of industry experience. He holds a Series 66 designation and has previously worked at Charles Schwab Bank, Charles Schwab & Co., Inc., The Boeing Company, Glendale Union High School District, and served in the Arizona Army National Guard. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations using Schwab’s asset allocation models and research tools.

Samriti Dhingra is a CFP® professional with 10 years of industry experience, currently serving as an advisor at Moneta Group Investment Advisors, LLC since 2015. Based in Phoenix, AZ, she works within a large enterprise firm known for its partner-led teams and centralized investment resources. Moneta Group Investment Advisors serves high-net-worth individuals, families, trusts, and a variety of institutional clients, offering portfolio management, financial planning, and family office services. The firm emphasizes diversified, multi-asset allocations and supports unique institutional relationships, including sovereign wealth funds and chartered trust services.

Michael Schroeder is a CFP® with 31 years of industry experience, currently serving as an advisor with Commonwealth Financial Network and as a part owner of Ke Wealth Advisors. He previously worked at Ameriprise Financial Services, Inc. for 14 years. Schroeder is based in Tempe, AZ. Commonwealth Financial Network supports a national network of approximately 2,950 advisors, providing a range of advisory programs and back-office services including investment management, compliance, and technology. The firm offers customizable portfolio solutions and distinct program structures, serving both retail and institutional clients.

Michael Garmone is a financial professional with 18 years of industry experience, currently affiliated with CWM, LLC. He holds Series 63 and Series 65 licenses and has worked at firms including LPL Financial and Cetera Wealth Services. He is also the owner of Garmone Financial, LLC, a non-investment business used for administrative purposes. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a large network of advisors. The firm provides portfolio management, financial planning, and retirement plan services, employing discretionary management with model portfolios supported by an in-house Investment Committee and a mix of analytical tools and third-party resources.

Matthew Clay is a financial advisor with Steward Partners Investment Advisory, LLC, holding Series 63, 65, and 66 licenses and bringing 26 years of industry experience. His prior roles include positions at Ameriprise and Raymond James Financial Services. He is also the sole owner and CEO of MJC Investment Properties, LLC, which manages commercial office space leased to Steward Partners. Steward Partners Investment Advisory, LLC is an enterprise-scale SEC-registered RIA managing approximately $36.7 billion in assets. The firm serves individuals, pension plans, corporations, trusts, estates, and charitable organizations, offering a range of advisory and portfolio management services through both Steward Partners-branded solutions and selected third-party managers.

Jasmine Lee is a CFP®-designated financial advisor with Schwab Wealth Advisory, Inc. in Phoenix, AZ, bringing four years of industry experience. Her career includes roles at Charles Schwab & Co., Morgan Stanley, Merrill Lynch, and Navy Federal Credit Union. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Schwab's proprietary research tools and asset allocation models.

Robert Bowen is a financial advisor at Schwab Wealth Advisory with 23 years of industry experience. He holds a Series 66 designation and has worked previously at USAA Investment Management Company and USAA Financial Advisors Inc. Bowen operates out of Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm uses Schwab’s research tools and standard asset allocation models, with final trading decisions made by clients.

Michael Peterson is a CFP® professional with nine years of industry experience currently associated with Integrity Alliance, LLC. He previously worked at Impact Wealth Management LLC and Bankers Life Advisory Services, among other firms. In addition to his advisory role, Peterson is involved in insurance brokerage with Key Retirement Solutions. Integrity Alliance serves a diverse client base including individual investors, corporations, and qualified retirement plans, managing approximately $5.4 billion in assets through a network of over 300 independent advisors. The firm offers a range of investment and financial planning services utilizing discretionary accounts, model portfolios, and third-party sub-advisers across multiple platforms.

Benjamin Milder is a financial advisor with Schwab Wealth Advisory Inc. in Phoenix, AZ. He holds Series 63 and Series 66 licenses and has seven years of industry experience. Prior to joining Schwab Wealth Advisory in 2021, he worked at National Indemnity Company from 2015 to 2018. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using standard asset allocation models and Schwab research tools. The firm serves individual clients through annual reviews and investment recommendations, with final trading decisions left to clients.

Timothy Lambson is a CFP® professional at Schwab Wealth Advisory with 11 years of industry experience. He has been with Charles Schwab & Co., Inc. since 2015 and joined Schwab Wealth Advisory in 2018. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using standard asset allocation models and Schwab research tools. The firm conducts annual account reviews and offers investment recommendations across a range of asset classes, while clients retain final decision-making authority.

Sonya Valentin is a financial advisor with Empower Advisory Group in Tolleson, AZ, holding a Series 66 designation and 10 years of industry experience. Her prior roles include positions at J.P. Morgan Securities LLC, Morgan Stanley, and The Prudential Insurance Company of America. She is also the owner of Shopalot LLC, an e-commerce business. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage account holders. The firm integrates its services with Empower’s recordkeeping and administrative platforms and emphasizes long-term portfolio returns and client savings rates in its financial planning.

Jacob Schuerman is a financial advisor at Empower Advisory Group with three years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses. Prior to joining Empower Advisory Group, he worked at The Vanguard Group and Empower Financial Services, and he has served in various roles including at the University of Arizona and in community involvement through the Tempe Church of Christ’s Financial Stewardship Ministry Team. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm uses an integrated model tied to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Brian Stauss is a financial advisor with Schwab Wealth Advisory, Inc. based in Phoenix, AZ. He holds Series 63 and Series 66 designations and has 20 years of industry experience. His work history includes roles at Charles Schwab and Co., Inc. and USAA in various financial planning and advisory capacities. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations across a broad range of securities. The firm delivers advice through Charles Schwab’s asset allocation models and research tools, with final trading decisions made by clients.

April Beltran is a Certified Financial Planner™ (CFP®) with 21 years of industry experience. She has worked at Schwab Wealth Advisory Inc and Charles Schwab since 2018 and previously held positions at Wells Fargo Clearing and Wells Fargo Advisors. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem using standard asset allocation models and research tools, with clients retaining final trading decisions while SWAI conducts annual account reviews.

Robert Gentry is a financial advisor with Empower Advisory Group in Scottsdale, AZ, holding Series 66 and Series 63 designations and 21 years of industry experience. His prior work includes roles at firms such as Nationwide Investment Services Corporation, Wells Fargo, Fidelity Investments, Charles Schwab & Co., and USAA. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm integrates its advisory services with Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing.