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.

Rico Knight is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at J.P. Morgan Securities, Robinhood Financial, Morgan Stanley, Merrill, and Bank of America. Outside of finance, he works as an Uber Eats driver and creates and sells t-shirt designs on Etsy. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations utilizing Schwab research tools and asset allocation models. The firm operates as an internal advisory unit within Charles Schwab & Co., focusing on client-directed investment decisions and partnering with affiliated or third-party money managers for discretionary management.

Joshua Dorrance 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 has worked at Schwab Wealth Advisory since 2020 and has been with Charles Schwab & Co., Inc. since 2017. Prior to this, he held roles at the University of New Mexico and its School of Medicine from 2013 to 2017. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools. The firm focuses on wealth management education and periodic account reviews, with discretionary management generally handled by affiliated or third-party managers.

Jack Stephens is a financial advisor at Schwab Wealth Advisory with Series 66 credentials and one year of industry experience. His prior work includes roles at Charles Schwab & Co., Inc., Wilde Wealth Management Group, and Tilton & Co. CPA's, P.C. Outside of finance, he has experience working in the food service industry with Ike's Love and Sandwiches and Amiel's Original Submarine. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers annual financial reviews and investment recommendations using Charles Schwab’s asset allocation models and research tools, with final trading decisions made by clients.

Jason Tamani is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 66 and Series 63 licenses and 14 years of industry experience. He has been with Charles Schwab since 2008 and with Schwab Wealth Advisory since 2015. Outside of financial services, he works part-time as an Amazon Flex delivery driver. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools. The firm offers annual financial reviews and investment recommendations while leaving final trading decisions to clients.

Jared Spraggins is a CFP® professional with 26 years of experience in the financial services industry. He currently works at Schwab Wealth Advisory and has prior experience at The Vanguard Group and various Charles Schwab entities. Outside of finance, he is the owner of Waylon Records LLC, a record label involved in the creation, marketing, and distribution of music. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, focusing on annual financial reviews, retirement planning, and investment recommendations using Schwab's research tools. The firm operates as an internal advisory unit of Charles Schwab and does not directly charge clients fees or manage accounts on a discretionary basis.

Lucas Richard is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing four years of industry experience. His prior work includes roles at Bank of America and Charles Schwab & Co., Inc. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, using Schwab's asset allocation models and research tools to support clients with financial reviews, retirement planning, and investment recommendations. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly for advisory services.

Gary Johanson is a financial advisor at Hornor, Townsend & Kent, LLC with 31 years of industry experience. He holds Series 63 and Series 65 designations and has been associated with Penn Mutual Life Insurance Company and Hornor, Townsend & Kent since 2012. In addition to his advisory role, he is engaged in insurance sales and service for multiple carriers, including Penn Mutual. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a wide network of advisers. The firm offers advisory programs, financial planning, and retirement plan consulting while operating both advisory and broker-dealer services.

Delfinaa Solanki is a Series 66 licensed financial advisor with six years of industry experience. She is currently with Schwab Wealth Advisory and previously spent ten years at Merrill. 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 utilizing Charles Schwab’s asset allocation models and research tools. 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 peers.

Todd Garrett is a CFP® professional with 18 years of industry experience, currently serving at Schwab Wealth Advisory in Phoenix, AZ. He has been with Schwab and its affiliated entities since 2016. 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 across various asset classes. The firm operates within the Schwab ecosystem and utilizes standardized asset allocation models and research tools to guide client decisions, while not exercising discretionary trading authority.

Patrick O'Leary is a financial advisor at Mercer Global Advisors Inc. with 24 years of industry experience. He previously worked at Charles Schwab & Co. from 2000 to 2024 before joining Mercer in 2024. He holds the Series 63 and Series 66 licenses. Mercer Global Advisors provides investment advisory and related planning services to individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofit organizations. The firm’s investment approach emphasizes globally diversified, risk-appropriate portfolios with multi-factor tilts, using a range of implementation options including ETFs, mutual funds, and separate accounts.

Anacapri Zuniga is a Series 66-licensed financial advisor with Schwab Wealth Advisory in Phoenix, AZ. Zuniga has been with Schwab Wealth Advisory and Charles Schwab & Co., Inc. since 2026. Prior to this, Zuniga held roles at Care.com, Hassayampa Academic Village, Nekter Juice Bar, and Salad and Go. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning discussions, and investment recommendations using Schwab’s proprietary research tools and standard asset allocation models.

Steve Smith is a financial advisor at Centaurus Financial, Inc. in Peoria, AZ, with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Centaurus Financial since 2003. In addition to his advisory role, he is involved in an estate planning team focused on providing investment vehicles for trustees participating in deferred sales trusts. Centaurus Financial provides advisory and brokerage services to a diverse client base, including individuals, families, businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management, retirement-plan consulting, and specialized services through a combination of discretionary and non-discretionary arrangements.

Stephen Hazel is a CFP® with 17 years of industry experience, currently serving as an advisor at Farther since 2025. He previously led Hazel Financial, PLC dba Magnificent Life Financial Planning for 12 years. Outside of advising, he owns Foundation Tax Advisors LLC, a tax preparation business, and BoyerHazel & Co LLC, which provides administrative services. Farther provides discretionary investment management and related advisory services primarily to individual investors, trusts, and estates through a web and mobile platform and in-person meetings. The firm employs a Modern Portfolio Theory-based approach using proprietary model portfolios, algorithmic rebalancing, and a range of investment vehicles including ETFs, mutual funds, equities, and fixed income.

Steven Stombaugh is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 credentials and three years of industry experience. Prior to joining Schwab Wealth Advisory in 2025, he worked at Charles Schwab beginning in 2023, and he spent three years in full-time education from 2019 to 2022. 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 based on standard asset allocation models and Schwab research tools. The firm operates within the Schwab ecosystem and does not charge clients directly, distinguishing its approach from many enterprise wealth managers.

Amrish Patel is a financial advisor with Independent Financial Group, LLC, holding a Series 66 designation and bringing 24 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, MetLife Securities, Securities America Advisors, and Merrill. Outside of his advisory work, he is involved in consulting and business coaching through GWS Advisors, LLC, and co-owns a tax consulting firm, GWS Tax Facts, LLC. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and institutional investors. The firm offers financial planning and portfolio management services using both firm- and third-party models, combining active and passive investment strategies tailored to individual risk profiles.

Gavin Lyons is a CFP® with 14 years of industry experience currently advising at Focus Partners Wealth, LLC. His prior roles include positions at Kovitz Investment Group Partners, TMD Wealth Management, One Charles Private Wealth, TMD & Associates, and McAlvany Wealth Management. He serves as a panel member on the Schwab Client Experience Panel, providing feedback on client service without compensation. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients with wealth management, financial planning, and consulting services. The firm’s investment approach combines active and passive strategies within an enhanced open architecture framework, incorporating fundamental and quantitative analysis as well as specialized strategies such as trend-following and options overlays.

Albert Filosa is a financial advisor with Integrated Wealth Concepts LLC in Scottsdale, AZ, holding Series 63 and Series 65 credentials and 29 years of industry experience. He previously worked at Lincoln Financial Advisors Corp for 14 years before joining Integrated Wealth Concepts and LPL Financial in 2017. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, and consulting services, employing a primarily long-term investment approach using customized portfolios of mutual funds, ETFs, equities, and fixed income.

Shaun Samuels is a financial advisor with TIAA-CREF based in Phoenix, AZ, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, and Charles Schwab. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing relationships through employer retirement plans. The firm offers a range of advisory services including model and customized portfolios, and acts as adviser to a donor-advised fund within a vertically integrated structure.

David Eldridge is a financial advisor at Farther with 10 years of industry experience. He holds the Series 65 and Series 66 designations and has previously worked with Financial Engines Advisors, LLC, Kingdom Financial Group, LLC, and Golden State Equity Partners, LLC. Farther provides discretionary investment management and advisory services primarily to individual investors, trusts, and estates through a combination of digital platforms and in-person meetings. The firm uses a Modern Portfolio Theory-based approach with proprietary models and algorithmic rebalancing, employing a range of investment vehicles including ETFs, mutual funds, equities, and fixed income.