Patricia Shyman is a financial advisor with Commonwealth Financial Network in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. She has worked at Commonwealth since 2012 and has also been associated with Camelback Retirement Planners since 2010. Outside of her advisory role, she works as a clerk for Griffin Estate Sales in Phoenix. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and back-office support, including portfolio management, trading, technology, compliance, and practice management, allowing advisors discretion in constructing client portfolios from diverse securities and insurance products.

Raymond Schenk is a CFP® and ChFC® professional with 22 years of experience in financial advising. He currently works at Schwab Wealth Advisory and has held prior positions at firms including The Vanguard Group, Wealth Enhancement Group, and SVA Financial Group. Schwab Wealth Advisory, Inc. serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on proprietary asset-allocation models and internal research tools.

David Bucannon is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and three years of industry experience. He has been with Charles Schwab and its affiliated Schwab Wealth Advisory since 2023. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning services primarily to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab’s asset-allocation models and internal research tools to guide investment selections.

Troy Klunk is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab & Co., Inc., Schwab Wealth Advisory, Inc., and Edward Jones. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients. The firm uses Charles Schwab’s asset-allocation models and research tools to deliver tailored recommendations while requiring client authorization for trades.

Dane Breslo is a CFP® professional with three years of industry experience, currently affiliated with Schwab Wealth Advisory, Inc. He previously worked at Prospera Financial Services and Charles Schwab. Outside of his advisory role, he sells personal and collectible items on eBay as a side activity. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning for clients enrolled in the Schwab Wealth Advisory program and select referred clients. The firm’s guidance is based on Charles Schwab & Co.’s proprietary asset-allocation models and research tools, with a focus on tailored recommendations and client authorization for trades.

Jiexi Li is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and one year of industry experience. Prior to joining Schwab Wealth Advisory in 2026, Li worked at Charles Schwab since 2022 and spent three years in full-time education. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm’s advice is based on Schwab’s proprietary asset-allocation models and internal research, with recommendations tailored annually to individual client goals and risk profiles.

Elise Gidaro is a CFP® professional with nine years of industry experience, currently serving as a financial advisor with Schwab Wealth Advisory. Her prior experience includes roles at The Vanguard Group and Metromile. Outside of finance, she operated a babysitting service, Busy Bees Babysitting, for seven years. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in its program, using Charles Schwab’s asset-allocation models and research tools to offer tailored recommendations. The firm focuses on client authorization for trades and typically recommends managed accounts from third-party or affiliated money managers.

Crystal Cruz Mata is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and currently based in Phoenix, AZ. She has approximately one year of industry experience, with prior roles at Charles Schwab & Co., Inc. and her own firm, Crystal Cruz Financial Services. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the SWA program and certain Charles Schwab-referred clients, utilizing proprietary asset-allocation models and research tools to tailor recommendations to client goals and risk tolerance.

Benjamin Tod is a CFP® professional with nine years of industry experience, currently serving as an advisor at Schwab Wealth Advisory Inc. since 2021. He has been affiliated with Charles Schwab & Co., Inc. since 2017 and has prior work experience at Modis and Arizona State University. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s approach utilizes Charles Schwab’s asset allocation models and internal research tools, offering recommendations tailored to clients’ goals and risk tolerances without exercising discretionary trading authority.

Tanner Dix is a CFP® with five years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. He has held prior roles at J.P. Morgan Securities LLC and The Vanguard Group, among others. Outside of his advisory work, he owns and operates a car rental business through Dix Turo LLC. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients, utilizing Charles Schwab & Co.’s asset-allocation models and internal research tools. The firm offers personalized, at-least-annual reviews and recommends investment selections with client authorization, serving primarily Schwab Wealth Advisory program participants and certain referred clients.

Alexa Jones is a financial advisor with Schwab Wealth Advisory and holds a Series 66 designation. She has 10 years of industry experience, including positions at Charles Schwab and Charles Schwab Bank. Jones is based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm’s guidance utilizes Schwab’s asset-allocation models and internal research, offering tailored recommendations with client approval required for trades.

Samuel Rodriguez is a financial advisor with First Citizens Investor Services, Inc. He holds a Series 66 designation and has three years of industry experience. Prior to joining First Citizens, he worked at Charles Schwab & Co., Inc. and J.P. Morgan Securities, LLC. Outside of finance, he is involved with Too Sweet Bakery. First Citizens Investor Services, Inc. provides advisory and brokerage services to individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers portfolio management, model portfolios, automated investing platforms, and tax-aware services, focusing on assessments of financial needs, risk tolerance, and time horizon to guide investment allocations.

Glen Mc Dowell is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and five years of industry experience. He has worked at Schwab Wealth Advisory since 2026 and previously held roles at Charles Schwab & Co., Inc. and Merrill. His background also includes a three-year tenure at Yelp. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on standardized asset-allocation models and internal research, with trades executed only upon client authorization.

Curtis Westrich is a CFP® professional at Schwab Wealth Advisory with 15 years of experience in the financial services industry. His career includes roles at Charles Schwab, Moss Adams Wealth Advisors LLC, Mariner Wealth Advisors, and Providers Wealth LLC. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients with non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s guidance is based on Schwab’s asset-allocation models and internal research, providing tailored recommendations without exercising discretionary trading authority.

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 with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has been with Charles Schwab & Co., Inc. since 2007 and Schwab Wealth Advisory Inc. since 2012. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab-referred clients. The firm uses Charles Schwab’s asset-allocation models and research tools to guide asset allocation and investment selection with annual reviews tailored to client goals and risk tolerance.

Chris Anoya is a CFA® charterholder with 13 years of industry experience. He is currently with Schwab Wealth Advisory Inc. and Charles Schwab, having joined in 2025 after roles at Fidelity Investments and Fisher Investments. Schwab Wealth Advisory, Inc. serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Schwab’s proprietary asset-allocation models and research tools.

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 the Arizona Army National Guard. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm’s guidance is based on internal research and asset-allocation models, with trades executed only upon client authorization.

Joseph Reyes is a CFP® professional with 21 years of experience in financial advising. He is currently with Schwab Wealth Advisory, Inc., where he has worked since 2026, and has been affiliated with Charles Schwab and related entities since 2013. Prior to that, he held roles at USAA Financial Planning Services and USAA Investment Services Company. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on proprietary asset allocation models and internal research, offering tailored recommendations without discretionary trading authority.