Austin Johnson is a financial advisor with Creative Planning, holding Series 63 and Series 66 credentials and 12 years of industry experience. His prior roles include positions at Morgan Stanley, E*TRADE, and Fidelity. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to individuals, pension plans, trusts, foundations, and corporations. The firm employs a financial-planning-led investment approach emphasizing low-cost indexing, buy-and-hold strategies, and selective private market exposure, managing approximately $295.6 billion in client assets.

Ammiel Banayat is a CFP® professional with 10 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. He has worked with Schwab Wealth Advisory since 2019 and concurrently serves as a Captain and Company Commander in the Arizona Army National Guard, focusing on explosive ordnance disposal operations. Schwab Wealth Advisory 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, utilizing asset allocation models and internal research tools to deliver personalized recommendations without discretionary trading authority.

David Finger is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and one year of industry experience. He has been with Schwab Wealth Advisory since 2026 and has prior experience at Charles Schwab & Co., Inc. and Right Start Mortgage, Inc. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services primarily to clients in the Schwab Wealth Advisory program and certain clients referred by Charles Schwab & Co., focusing on asset allocation and investment selection tailored to individual goals and risk tolerance. The firm uses proprietary asset-allocation models and research tools while trades require client authorization.

Larry Singleton is a financial advisor at Kestra Advisory with a Series 66 designation and three years of industry experience. His prior work includes roles at Morgan Stanley, Bank of America, Merrill, and service in the U.S. Navy. Kestra Advisory provides investment advisory and retirement-plan consulting services to a broad mix of institutional and individual clients, including plan sponsors. The firm offers services such as fiduciary consulting, plan design, employee education, and advisor-managed accounts, serving clients ranging from individual investors to large institutional entities like sovereign wealth funds.

Scot Shyman is a CFP® professional with 39 years of experience, currently serving at Commonwealth Financial Network since 2003. He is also associated with Camelback Retirement Planners. Shyman is involved in managing fixed insurance products and is a member of SHYCUS, LLC, an entity that processes expenses related to securities business. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and comprehensive back-office support, including operations, trading, technology, investment management, and compliance services.

Thomas Lawless is a CFP® professional with 38 years of industry experience, currently affiliated with Commonwealth Financial Network and Ke Wealth Advisors. He has worked at Ameriprise Financial Services, Inc. for 14 years before joining his current firms in 2019. Lawless is a part owner of Ke Wealth Advisors, a private entity serving securities, advisory, and insurance needs. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser supporting a national network of nearly 2,900 advisors and managing approximately $213 billion in client assets. The firm provides a comprehensive adviser-support platform with managed-account programs, access to third-party asset managers, and various investment options.

Richard Beckley is a CFP® with 38 years of industry experience, currently serving as a financial advisor at Guardian Life and Park Avenue Securities. He has been associated with Guardian Life and its related entities since 1998. Beckley also offers insurance products beyond those provided by Guardian. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides both brokerage and advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a combination of advisor-led discretionary management and model-based strategies, along with access to proprietary programs and third-party solutions.

Heather Adams is a financial advisor with First Citizens Investor Services, Inc. in Phoenix, AZ. She holds Series 63 and Series 65 licenses and has nine years of industry experience, including prior roles at Wells Fargo Clearing and Wells Fargo Bank. First Citizens Investor Services serves individuals, including high-net-worth clients, as well as pension plans, charitable organizations, and businesses. The firm offers advisory and brokerage services through investment adviser representatives and third-party portfolio managers, with a client process based on assessing financial needs, risk tolerance, and time horizon to inform diversified portfolio allocations.

David Nieto is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory Inc. since 2017 and with Charles Schwab since 2014. He holds Series 63 and Series 66 licenses and is based in Phoenix, AZ. 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 Charles Schwab & Co.-referred clients. The firm’s advice utilizes standard asset-allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

Martin Czerwonka is a financial advisor at Schwab Wealth Advisory with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at USAA Financial Advisors and USAA Investment Services Company. Outside of his advisory work, he manages a cabin rental through Airbnb on a limited basis. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab’s asset-allocation models and research tools. The firm typically recommends separately managed accounts and does not exercise discretionary trading authority.

Harley Eisner is a financial advisor at Empower Advisory Group in Phoenix, AZ, holding Series 63 and Series 65 designations with 23 years of industry experience. His prior roles include positions at ING Funds Distributor and John R. Flynn CPA, P.C. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage account holders, delivering services through integrated recordkeeping and administrative platforms.

Brian Hughes is a financial advisor with Schwab Wealth Advisory holding a Series 66 designation and nine years of industry experience. He has worked at Charles Schwab & Co., Bank of America, and Merrill Lynch. Hughes is based in Phoenix, AZ. 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 certain Charles Schwab–referred clients. The firm’s advice follows Schwab’s asset-allocation models and internal research, with trades executed only upon client authorization.

David Baratta is a financial advisor at Mercer Global Advisors Inc. in Phoenix, AZ, holding a Series 65 designation with 20 years of industry experience. He was previously with Waypoint Capital Advisors for 19 years before joining Mercer in 2024. Mercer Global Advisors provides investment advisory and planning services to individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm employs a Modern Portfolio Theory-based approach focused on globally diversified, risk-appropriate portfolios with multi-factor tilts, offering a range of investment implementation options and complementary financial planning and consulting services.

Anne Sailer is a ChFC® credentialed financial advisor with 23 years of industry experience. She currently works at Schwab Wealth Advisory, Inc., where she has been since 2019. Prior to that, she held various roles at USAA financial entities from 2007 through 2019. Outside of financial advising, she is an author publishing non-financial books, including journals and how-to guides, on platforms such as Amazon and Audible. 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. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and internal research tools, with recommendations tailored to each client’s goals and risk tolerance.

Benjamin Shannon is a CFP® with nine years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory since 2025. He has been with Charles Schwab in various roles since 2017 and previously worked at Tyler Allen Law Firm. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab’s proprietary asset-allocation models and research to tailor recommendations based on individual goals and risk tolerance.

Rebecca Kennell is a CFP® professional with 25 years of experience in the financial services industry. She has been with Commonwealth Financial Network since 2004. Outside of her advisory role, she is involved in music and entertainment as a consultant and owns Musica, LLC, a concert production and support company. 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, trading, technology, investment management, compliance, and practice management.

Eddie James is a financial advisor at Brookstone Capital Management LLC with six years of industry experience. He holds the Series 66 designation and has worked at several firms including Raymond James and Spring Venture Group. In addition to his advisory role, he is involved in insurance sales. Brookstone Capital Management is an SEC-registered adviser that provides fee-based asset management and financial planning through a turnkey asset management platform and wrap-fee program. The firm serves a broad client base including individuals, retirement plans, corporations, charitable organizations, other registered investment advisers, sovereign wealth funds, and banking or thrift institutions.

Cole Bialek is a financial advisor at Schwab Wealth Advisory, holding Series 63 and Series 66 licenses with three years of industry experience. His background includes roles at Schwab Wealth Advisory Inc., Charles Schwab, The Porch, and Rufenacht Commodities, among others. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program as well as certain Charles Schwab & Co.-referred clients. The firm uses standard asset-allocation models and internal research tools to deliver tailored recommendations, with trades executed only upon client authorization.

Jacob Nordquist is a CFP® with three years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. in Phoenix, AZ. He has been with Schwab Wealth Advisory since 2025 and has previously worked at Charles Schwab & Co., Inc. Outside of finance, he has experience working in the restaurant industry, including time at Gen Korean BBQ and PK Shabu. 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 guided by Schwab's internal research and standard asset-allocation models, with a focus on tailored recommendations and client authorization for trades.

Siobhan Collins is a CFP®, ChFC®, and holds a Series 63 registration with 12 years of industry experience. She currently works at Wealth Enhancement Advisory Services, LLC and previously spent eight years at The Vanguard Group, Inc. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and employs a diversified, risk-class based investment approach that blends passive and active managers, overseen by an internal Investment Committee.