David Suess is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. Prior to joining Charles Schwab in 2020, he worked for multiple USAA affiliates, including USAA Investment Management Company and USAA Financial Advisors, Inc., over a span of more than a decade. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a blend of non-discretionary and discretionary investment management alongside brokerage, custody, and financial planning services.

Summer Darkis is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and having 12 years of industry experience. She has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2014. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Larry Osa is a financial advisor with Robert W. Baird & Co. in Peoria, AZ, holding Series 63 and Series 66 licenses and bringing 42 years of industry experience. His previous roles include 11 years at RBC Capital Markets before joining Robert W. Baird in 2019. Outside of his advisory work, he serves on the board of Sunshine Dog Rescue, where he helps establish intake and adoption policies. He is part of The DDK Group within Robert W. Baird’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and charitable organizations. The group offers tailored financial planning and portfolio management services, utilizing a range of strategies from traditional to non-traditional investments and providing both discretionary and non-discretionary management options.

Steven Selsky is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on creating personalized wealth management strategies that align with his clients' life priorities and financial goals. Steven's practice serves small business owners, employees of publicly traded companies, high net worth families, and professional athletes. He has expertise in areas including college education planning, family wealth management strategies, investment consulting for defined contribution plans, managing new wealth, portfolio management services, small business strategies, sports and entertainment, individual and corporate investment strategy, tax minimization, and retirement income. Steven holds a Bachelor's Degree from the University of Arizona and is a Personal Investment Advisor (PIA). Steven is a former professional athlete who transitioned into financial advising to help people receive proper financial guidance. He lives in Phoenix, Arizona, with his wife Brittany, their newborn daughter Emma, and their golden retriever Nala. Steven enjoys baseball, skiing, surfing, traveling, volleyball, watching movies, and spending time with his family.

Martha Landon is a financial advisor at Fidelity with 26 years of industry experience. She holds Series 63 and Series 65 credentials and has worked previously at The Vanguard Group and Bank of America. She is also a notary public in Phoenix, Arizona. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research and quantitative analysis to construct model portfolios from a broad range of mutual funds, ETFs, and ETPs.

Roy McClung is a financial advisor with Charles Schwab & Co., Inc. and holds Series 63 and Series 66 credentials. He has 30 years of industry experience, including prior roles at Strategic Staffing, USAA Investment Services Company, USAA Financial Advisors, Inc., TD Ameritrade, Inc., and Scottrade Inc. He is based in Phoenix, AZ. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. Schwab combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset model portfolio approach supported by research and alternative investment options.

Rebecca Clark is a financial advisor with Charles Schwab in Phoenix, AZ, holding CFP®, ChFC®, and Series 63 credentials and bringing 20 years of industry experience. She previously worked at The Vanguard Group and Schwab Retirement Plan Services, Inc. Clark serves on the NAU Finance Advisory Council, where she mentors students and supports educational programs. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients 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 affiliated discretionary separately managed accounts and utilizes multi-asset model portfolios and alternative investment due diligence.

Christopher Ratka is a financial advisor at Charles Schwab with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Financial Engines Advisors L.L.C. and The Vanguard Group. Ratka is based in Phoenix, AZ. Charles Schwab & Co., Inc. serves a large client base, 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 both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and a centralized operational structure.

Paul Behnken is a financial advisor at Charles Schwab with 13 years of industry experience. He holds the Series 66 designation and has worked at firms including Bank of America, Merrill, and Robinhood before joining Charles Schwab. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advice and access to discretionary separately managed accounts, employing multi-asset model portfolios alongside alternative investment options.

Chandeep Chadha is a financial advisor at Charles Schwab with four years of industry experience. He holds Series 63 and Series 66 designations and has worked at various Schwab entities since 2021. Prior to his career in finance, he held roles at TopGolf and Chipotle. 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 offers both non-discretionary and discretionary investment management solutions supported by multi-asset model portfolios and a centralized operational structure.

Jorge Chavez Enriquez is a financial advisor with Fidelity in Phoenix, AZ. He holds a Series 66 designation and has one year of industry experience. His prior roles include positions at Merrill, Bank of America, Wells Fargo, Discover Financial Services, and Amazon. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to develop model portfolios using mutual funds, ETFs, and ETPs.

Kalonn Boyle is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and nine years of industry experience. His prior work includes roles at First Allied Securities, Inc. and BHF RG Capital Inc. before joining Charles Schwab in 2019. Charles Schwab & Co., Inc. serves a large client base, 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios alongside a formal alternative-investment onboarding process.

Paul Gesina is a CFP® professional with 27 years of industry experience. He is currently with Charles Schwab in Phoenix, AZ, having previously worked at Morgan Stanley and E*TRADE Capital Management. Charles Schwab & Co., Inc. serves a large client base, 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 management with integrated brokerage, custody, and advisory services.

Owen Sweeney Jr. is a financial advisor at UBS Financial Services with 38 years of industry experience. He has been with UBS since 1987 and holds Series 63 and Series 65 credentials. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm offers fee-based financial planning, portfolio management, and access to proprietary research and capital markets services.

Tyler Ehlers is a financial advisor at Charles Schwab with 10 years of industry experience. He has been with Charles Schwab since 2014 and holds a Series 66 designation. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, centralized custody, and a formal alternative-investment onboarding process.

Timothy Woods is a financial advisor at LPL Financial with 28 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Ameriprise Financial Services Inc. and Waddell & Reed, Inc. Since 2020, he has also operated Rock Martin Private Wealth Management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning, and brokerage services supported by research and technology across discretionary and non-discretionary management strategies.

Zachary Vie is a financial advisor with Merrill in Phoenix, AZ, holding Series 63 and Series 66 licenses and having 12 years of industry experience. His career includes roles at Merrill since 2014 and at Bank of America, N.A. since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Solece Lopez is a financial advisor at Morgan Stanley in Phoenix, AZ, holding Series 63 and Series 66 credentials with three years of industry experience. Prior to joining Morgan Stanley in 2023, she worked at Charles Schwab and State Farm Mutual Insurance Co. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to support its advisory services.

Enwiya Toma is a financial advisor with Merrill, holding a Series 66 designation and 13 years of industry experience. She has been with Merrill since 2012 and also works with Bank of America, N.A. since 2013. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Aaron Ewing is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and 15 years of industry experience. He has worked at Charles Schwab since 2015, including a period at Charles Schwab Bank from 2016 to 2018. Outside of his advisory role, he owns and operates A & M Wellness LLC, an online retail business selling mostly sporting goods. 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, offering a mix of non-discretionary guidance and access to discretionary separately managed accounts.