Michael Juilfs is a CFP® professional with 28 years of industry experience, currently advising at Commonwealth Financial Network since 2002. His background includes tax preparation and serving as an expert witness in divorce-related matters. He is also involved in private business ventures such as automobile title purchases and resale. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides advisory programs, wealth management, and retirement plan consulting, supporting advisors with operations, technology, compliance, and investment management services.

Meryl Feys is a financial advisor at Beacon Pointe Advisors, LLC with one year of industry experience. She holds a Series 65 designation and previously worked at Bradley Wealth and Hope College. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse client base, including individuals, institutions, and charitable organizations. The firm employs a manager-of-managers approach, utilizing a proprietary Focus List and a formal due-diligence process to implement client strategies across third-party independent managers.

Nimish Shah is a financial advisor at Independent Financial Group, LLC with Series 66 credentials and no prior industry experience. He has been affiliated with Independent Financial Group since 2025 and has held a role at Columbia University since 2016. Independent Financial Group is a large integrated advisory and brokerage firm serving individuals, trusts, corporations, business owners, and plan sponsors. The firm offers a range of investment advisory programs and financial planning services, utilizing both in-house and third-party manager models and operating as both a registered investment adviser and an active broker-dealer.

Steven Mindak is a financial advisor with Eagle Strategies (NY Life) based in Scottsdale, AZ, holding Series 63 and Series 65 credentials and 38 years of industry experience. His prior roles include positions at Mahoney Financial Organization and direct involvement with New York Life Insurance Company and Nylife Securities LLC since 1987. He also operates Mindak Financial Group, through which he sells New York Life products and brokers non-registered insurance products. Eagle Strategies serves a broad client base including individual investors and institutional sponsors, offering financial planning, investment management, and retirement-plan advisory services. The firm provides tailored advice through various programs, with most assets managed on a non-discretionary basis, and operates within the integrated New York Life affiliate structure.

David Moratti is a financial advisor with Commonwealth Financial Network in Phoenix, AZ, holding the ChFC® designation and Series 63 and 65 licenses. He has 30 years of industry experience, including prior roles at Morgan Stanley and Camelback Retirement Planners. He is a co-owner of RUN DMCC, LLC, a private entity facilitating securities, advisory, and insurance business. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, offering a variety of advisory programs and support services. The firm provides operations, trading, technology, investment management, compliance, and practice-management resources to affiliated advisors who deliver advice under Commonwealth’s supervision.

Thomas Rankin is a financial advisor at Ameritas Advisory Services, LLC with 39 years of industry experience. He holds the Series 63 and Series 65 credentials and has been associated with Ameritas Advisory Services since 2021. Rankin is also the owner and managing member of Arizona Advisors and Time2Buy, LLC, the latter of which involves the purchase and sale of horological and other resale items. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to individuals, including high-net-worth clients, charitable and corporate entities, and retirement plans. The firm offers fee-based asset management, retirement-plan advisory, and fiduciary services, utilizing model portfolios, third-party sub-advisers, and custom strategies with regular client reviews.

Corinne York is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has been with Charles Schwab and its affiliated firms since 1999. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations using Schwab's research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, distinguishing its service model from many other enterprise wealth managers.

Tyler Kunzler is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. He previously worked at J.P. Morgan Securities and Wells Fargo in various roles. Outside of advising, he serves as Vice President of Tate and Daniel LLC, where he manages financial tracking for tax purposes. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice primarily to clients enrolled in the Schwab Wealth Advisory program, utilizing standard asset allocation models and Schwab research tools. The firm conducts annual account reviews and does not exercise discretionary trading authority, operating as an internal advisory unit within the Schwab ecosystem.

Anthony Ruggieri is a financial advisor at AE Wealth Management, LLC with 10 years of industry experience. He holds a Series 65 credential and has worked at firms including Ruggieri Wealth Advisors and Encompass More Asset Management. In addition to his advisory work, he is the owner of Ruggieri Financial and Marketing Group LLC, an independent insurance agency. AE Wealth Management is an SEC-registered investment adviser serving individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a range of services including model portfolio solutions, discretionary asset management, financial planning, and ERISA plan services through a platform that integrates multiple model strategies and advisor-managed portfolios.

William Day is a financial advisor at TIAA-CREF with 14 years of industry experience. He has held his current position since 2015. He holds the Series 66 designation and is based in Phoenix, AZ. 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 retirement plan relationships. The firm offers both model-based and customized portfolio management and acts as adviser to a donor-advised fund.

Mathew Tracy is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 65 licenses and five years of industry experience. His prior roles include positions at Morgan Stanley and Buckingham Strategic Wealth, as well as earlier work outside finance at Obria Medical Clinics and Oregon State University. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering investment recommendations through standardized asset allocation models and Schwab research tools while clients retain final trading decisions.

Jacob Heisler is a CFP® and holds a Series 65 license with seven years of industry experience. He is currently with Beacon Pointe Advisors, LLC, where he has worked since 2019, following prior roles at Versant Capital Management and Barnes Investment Advisory. He also serves as an insurance agent with Beacon Pointe Insurance Services, LLC. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse range of individual and institutional clients, utilizing a proprietary manager “Focus List” and a combination of active and passive asset allocation strategies. The firm sponsors proprietary investment vehicles and acts as an operating general partner for multiple private funds.

Michael Taylor is a financial advisor at Schwab Wealth Advisory with a Series 66 credential and two years of industry experience. His work history includes roles at Charles Schwab & Co., Fidelity Investments, U.S. Bank, and other firms prior to joining Schwab Wealth Advisory. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, using standard asset allocation models and Schwab research tools. The firm serves individual clients with annual financial reviews and investment recommendations, operating as an internal advisory unit within the Schwab ecosystem.

Daniel Friedlander is a financial advisor with PNC Wealth Management in Phoenix, AZ, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at BBVA Wealth Solutions, Northwestern Mutual Investment Services, Merrill Edge, and Grand Canyon University. Outside of his advisory work, he is the owner and producer of Aurora Records, a non-investment related business. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only, algorithm-driven digital offering that uses approved model strategies executed via mutual funds and ETFs.

Bruce Frank is a financial advisor with Eagle Strategies (NY Life) based in Scottsdale, AZ, holding a Series 63 designation and with 40 years of industry experience. He has worked with Nylife Securities Inc. and New York Life Insurance Company since 1985 and operates Bruce Frank Financial Group, LLC, brokering non-registered insurance products. Outside of his advisory roles, he is involved with Safe Management, which provides security services for the Arizona Cardinals and NFL events, and volunteers with Billy’s Place providing grief services for children and families, as well as the Fiesta Bowl committee. Eagle Strategies serves a diverse range of individual and institutional clients, offering financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm provides customized advice across multiple program types and manages the majority of assets on a non-discretionary basis, with a focus on relationships with institutional sponsors and integration within the New York Life affiliate structure.

Patrick Funke is a financial advisor with Commonwealth Financial Network, holding the ChFC® designation and Series 63 and 65 licenses. He has 36 years of industry experience, including prior roles at OSAIC, Securities America Advisors, Inc., and Geneos Wealth Management, Inc. He is co-owner of Patrick Funke & Associates, Inc., a private entity involved in securities, advisory, and insurance business. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients. The firm offers a variety of advisory programs and services, including discretionary model portfolios and personalized investment options, while providing operational, compliance, and practice-management support to affiliated advisors.

Charles Buchanan is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and possessing 29 years of industry experience. He has been with Charles Schwab and its affiliated firms since 1995. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, focusing on client-directed investment decisions without discretionary trading authority.

Andrew Padgett is a financial advisor at J. W. Cole Advisors, Inc. with 33 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has worked at Jonathan Roberts Advisory Group, Inc. since 2011 and J W Cole Financial Inc since 2007. Outside of advisory work, he operates a web design business and provides mobile notary public services. J. W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a network of over 400 independent representatives. The firm offers a range of portfolio management and financial planning solutions, including access to third-party managers and digital advice platforms.

Brooks Lau is a financial advisor with Principal Financial Services in Phoenix, AZ, holding Series 63 and Series 65 designations and 27 years of industry experience. He has been with Principal Securities Inc. and Principal Life Insurance Co. since 2004. Outside of his advisory role, he serves as a director of H.P. Lau Company, a family personal holding company. Principal Securities provides brokerage and registered investment advisory services to a diverse client base that includes individual investors, retirement plans, trusts, charitable organizations, corporations, and active-duty U.S. military personnel abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Michelle Bergmann is a financial advisor with United Planners Financial Services of America, holding a Series 66 designation and bringing 10 years of industry experience. Her prior roles include positions at Primerica Advisors, Wipfli LLP, Bradle Tax Services, Woodbury Financial Services, Brickheimer Planners, and SII Investments. Outside of her advisory work, she serves as treasurer for the Marathon County Literacy Council and is the inventor and creator of Common Cents, a teaching and coaching initiative. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm operates an open-architecture platform utilizing multiple custodians and third-party money managers, offering both fee-based and commission-based options through a network of 477 independent advisors.