Jacob Igert Vilott is a financial advisor at Mariner with a Series 65 designation and one year of industry experience. Prior to joining Mariner, he worked at Deloitte Tax, LP and F45. Mariner serves a broad range of clients, including high-net-worth individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement plan consulting, and tax services. The firm combines in-house research with third-party managers across diverse asset classes and provides integrated tax and accounting services alongside traditional portfolio management.

Angela Hawk is a CFP® professional with 25 years of industry experience, currently serving at Schwab Wealth Advisory Inc. since 2012. She has been associated with Charles Schwab since 2000 and holds Series 63 and Series 66 licenses. Based in Phoenix, AZ, she primarily works within Schwab’s enterprise advisory framework. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients financial reviews, retirement planning, and tailored investment recommendations using Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem, with a focus on client-directed investment decisions and annual account reviews.

Rhiana Whitmire is a financial advisor at CWM, LLC with 10 years of industry experience. She holds a Series 66 designation and has worked at Silverhawk Private Wealth, Silverhawk Financial, OneAZ Credit Union, and Desert Financial Credit Union. Outside of advising, she is the owner of BrightMint, a financial literacy education business that provides parents with tools and guidance to teach lifelong financial skills to their families. CWM, LLC is an SEC-registered investment adviser serving individuals, families, foundations, endowments, corporations, and institutional clients through a network of more than 600 advisors. The firm offers portfolio management, financial planning, sub-advisory services, and retirement-plan solutions, employing discretionary management with model portfolios overseen by an in-house Investment Committee and various customization tools.

Coby Cress is a Certified Financial Planner® with eight years of industry experience, currently serving as an advisor at Beacon Pointe Advisors, LLC since 2018. He has been associated with various Beacon Pointe entities throughout his career. Outside of his advisory role, Cress is the owner of Forever Pet Grooming & K9 Cleaners Inc., a mobile pet grooming business, where he also provides business coaching and sales training. Beacon Pointe Advisors, LLC offers wealth advisory and consulting services to individual investors, corporations, and institutional clients, combining asset-allocation modeling with third-party independent managers. The firm employs both active and passive strategies across public and private asset classes and provides comprehensive retirement-plan services, proprietary private funds, and a continuously offered interval fund.

Spencer Ellsworth is a CFP® professional with six years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior experience includes roles at The Vanguard Group, Inc. and Vanguard Marketing Corporation. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools to support client-driven investment decisions with regular financial reviews and planning.

Jon Coger is a financial advisor at Osaic Institutions, Inc. based in Phoenix, AZ, with 13 years of industry experience. He holds the Series 66 designation and has worked at firms including Bank of America, Merrill, and Arizona Federal Credit Union. Osaic Institutions, Inc. serves individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives, offering customized advisory services, financial planning, and access to alternative investments and lending solutions. The firm operates a hybrid adviser/broker-dealer model combining discretionary and non-discretionary account management with extensive affiliations and a lending marketplace.

Ryan Schall is a financial advisor at Creative Planning with nine years of industry experience. He previously worked at Morgan Stanley for three years and The Vanguard Group for six years. Schall holds the Series 63 and Series 66 licenses and 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, pension plans, trusts, and corporations. The firm follows a financial-planning-led investment approach emphasizing low-cost indexing and buy-and-hold strategies for long-term goals, supplemented by tax-loss harvesting, individually managed portfolios, and selective private market investments.

Eric Newby is a CFP® professional based in Scottsdale, AZ, with 17 years of industry experience. He has been with Beacon Pointe Advisors, LLC in various capacities since 2015 and is also involved with Beacon Pointe Insurance Services as a licensed insurance agent. 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-driven investment approach, utilizing both active and passive strategies, and sponsors proprietary investment vehicles while offering a range of wealth management and fiduciary services.

Matthew Underwood is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 66 licenses and has 26 years of industry experience. He has been with Charles Schwab and its affiliated firms since 1999. Outside of his advisory work, he owns and manages an LLC based in Phoenix, Arizona. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across a variety of asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice through standard asset allocation models and Schwab research tools while leaving final investment decisions to clients.

Olivia Starkey is a financial advisor at Schwab Wealth Advisory with a Series 66 credential and one year of industry experience. Prior to joining Schwab Wealth Advisory, she held positions at Charles Schwab & Co., Inc., the City of Tempe, and Arizona State University. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program. The firm offers financial reviews, retirement and planning discussions, and investment recommendations using Schwab’s asset allocation models and research tools, with final trading decisions made by clients.

John Ross is a financial advisor with Kestra Advisory who holds Series 63 and Series 65 credentials and has 31 years of industry experience. He has been with Kestra Advisory since 2016 and has a long tenure with Kestra Investment Services, LLC dating back to 2003. Ross co-owns National Investment Advisors, Inc., a registered representative business affiliated with Kestra. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base including plan sponsors and institutional and individual investors. The firm offers a range of fiduciary services and access to multiple management platforms and third-party solutions, serving large institutional clients alongside retail investors.

Patrick Kilkenny is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and four years of industry experience. His background includes roles at Charles Schwab & Co., Inc., Wal-Mart, and various local businesses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations utilizing Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not act as a discretionary portfolio manager.

Vincent Tang is a financial advisor at Schwab Wealth Advisory with 17 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 66 licenses. Tang has been with Schwab Wealth Advisory since 2012 and has been associated with Charles Schwab since 2008. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers services including annual financial reviews, retirement planning, and investment recommendations, utilizing Charles Schwab’s asset allocation models and research tools while leaving final trading decisions to clients.

Frank Kirby Jr. is a CFP® with 26 years of industry experience, currently affiliated with United Planners' Financial Services of America as a Limited Partner. His career includes roles at FireSky Financial, Inc., Rogers & Kirby Enterprise, and Agape Insurance Partners. He volunteers to facilitate financial and estate workshops, including sessions based on Dave Ramsey’s Financial Peace University, at Dream City Church in Phoenix, AZ. United Planners Financial Services serves a diverse client base including individuals, corporations, and charitable organizations, offering financial planning, portfolio management, retirement plan services, and brokerage solutions through a network of 477 independent advisors. The firm operates an open-architecture platform with multiple custodians and third-party money managers, with a significant portion of assets managed on a non-discretionary basis.

David Vincent is a CFP® professional with 16 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory Inc. since 2012. He has worked at Charles Schwab & Co., Inc. since 2010. Based in Phoenix, AZ, his credentials include Series 63 and Series 66 licenses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice through standardized asset allocation models and research tools while clients retain final trading decisions.

Joshua Deforest is a CFP®, CFA®, and Series 65-licensed advisor at Mercer Global Advisors Inc. with 15 years of industry experience. He has been with Mercer in various roles since 2016. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments, providing investment advisory, financial, tax, retirement, and estate planning services. The firm employs a Modern Portfolio Theory-based investment approach with diversified, risk-appropriate portfolios using low-cost ETFs, index funds, and other vehicles, and offers specialized programs and client education initiatives.

Sheila Cuffari Agasi is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. She has been with United Planners and affiliated entities since 2006. She also serves as trustee of the Agasi Family Trust and is involved in personal investment activities through Rainbow Rain, LLC. 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 with multiple custodians and third-party money managers, offering both fee-based and commission-based financial planning and portfolio management services.

Charles Carter is a financial advisor with Commonwealth Financial Network in Phoenix, AZ, holding the ChFC® designation and Series 63 license. He has 30 years of industry experience and has been with Commonwealth and Camelback Retirement Planners since 2013. Carter is also a co-owner of DMCC, LLC, a private entity involved in securities, advisory, and insurance business operations. Commonwealth Financial Network is a national registered investment adviser supporting approximately 2,950 advisors with a range of advisory programs and services. The firm provides operational, trading, technology, investment management, compliance, and practice-management support, enabling advisors to offer customized portfolio solutions and discretionary model portfolios.

T Powell is a CFP® professional with 14 years of industry experience, currently serving as a financial advisor at Beacon Pointe Advisors, LLC since 2021. His prior experience includes roles at Ameriprise Financial Services, Inc., Massachusetts Mutual Life Insurance Company, and Stonegate Capital Advisors. In addition to his advisory work, he is an agent with Beacon Pointe Insurance Services, focusing on the sale of life, health, and accident insurance products. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse client base including individuals, institutions, charitable organizations, and retirement plans. The firm employs a manager-driven investment approach, utilizing a proprietary “Focus List” and a combination of active and passive strategies, while also sponsoring proprietary investment vehicles and serving as a general partner for multiple private funds.

Jeffrey Cary is a financial advisor at Schwab Wealth Advisory with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Schwab Wealth Advisory since 2012, having worked at Charles Schwab since 1999. Jeffrey is based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem, delivering advice using standard asset allocation models and Schwab research tools, while leaving final trading decisions to clients.