John Erickson is a financial advisor at Transamerica Retirement Advisors, LLC with four years of industry experience. He holds Series 65 and Series 63 licenses. Prior to his current role, Erickson worked at Charles Schwab and held various positions in the Scottsdale area. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education services, utilizing proprietary software and third-party model portfolios to provide both managed and view-only recommendations.

Lauren Chapman is a financial advisor at Schwab Wealth Advisory with Series 66 credentials and one year of industry experience. Before joining Schwab, she held roles at the American Institute for Economic Research and DoorDash, Inc., and has a background including education and various short-term positions. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations supported by Schwab’s research tools and asset allocation models.

Connor Messman is a CFP® with seven years of industry experience currently working at Schwab Wealth Advisory, Inc. in Phoenix, AZ. His prior experience includes roles at Wells Fargo Advisors Financial Network, Morgan Stanley, and The Vanguard Group. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations based on Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees or exercise discretionary trading authority.

Theresa Clemmons is a financial advisor at Benjamin F. Edwards & Company, Inc. with 30 years of industry experience. She holds Series 63 and Series 66 designations and previously worked at Wells Fargo Advisors and Wells Fargo Clearing. Outside of her advisory role, she is involved with 1ST PHORM, a supplement company, where she acts as a representative. Benjamin F. Edwards & Company serves a diverse client base including individuals, pension plans, charitable organizations, and corporations, offering fee-based wrap programs, financial planning, and investment management consulting. The firm employs a range of investment strategies, monitored by an Investment Strategy Committee, and combines custody and execution services with its broker-dealer and insurance functions.

Charles Martin is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ. He holds a Series 66 credential and has one year of industry experience. Prior to his current role, he worked at Focus Capital Partners Private Wealth and Charles Schwab & Co., Inc. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program. The firm delivers investment recommendations based on standard Schwab asset allocation models and research tools, conducting at least annual account reviews while leaving final trading decisions to clients.

Daniel Elick is a financial advisor at Schwab Wealth Advisory with Series 66 and Series 63 licenses and four years of industry experience. He has worked at Schwab Wealth Advisory since 2024 and has prior experience with Charles Schwab & Co., Inc. and the Indiana Department of Financial Institutions. 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 and planning discussions, and investment recommendations. The firm delivers advice through Charles Schwab’s asset allocation models and research tools, while leaving final trading decisions to clients.

Enrique Sanchez Arvizu is a financial advisor with Empower Advisory Group, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at J.P. Morgan Securities, Merrill Lynch, Bank of America, and AXA Advisors. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as retail brokerage clients. The firm’s services integrate with Empower’s recordkeeping and administrative platforms and focus on long-term portfolio returns, annual rebalancing, and clients’ savings rates.

Joan Stoddard is a CFP®-certified financial advisor with 13 years of industry experience, currently with Empower Advisory Group in Tempe, AZ. Her prior experience includes roles at Advised Assets Group, GWFS Equities, Northstar, Bank of the West, Northwestern Mutual, and Learnvest Inc. In addition to her advisory work, she owned Treasure Trove Toffee for ten years. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as select IRA and retail brokerage clients. The firm delivers integrated services through Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and participant savings rates in its planning approach.

Kevin Burke is a CFP® professional with 23 years of industry experience, currently serving as a financial advisor at Key Investment Services LLC since 2018. Prior to joining Key Investment Services, he worked at Capital One Advisors, LLC and Capital One Investing, LLC from 2016 to 2018. Key Investment Services LLC provides advisory services to individuals, trusts, estates, small businesses, and corporate clients through various programs including wrap-fee advisory, model portfolios, and separately managed accounts. The firm emphasizes client-directed model selection and ongoing oversight, operating within the KeyCorp group and maintaining affiliations with KeyBank and KeyBanc Capital Markets.

Rick Willoughby is a financial advisor with Independent Financial Group, LLC in Phoenix, AZ. He holds Series 63 and Series 65 credentials and has 27 years of industry experience. He has been affiliated with Independent Financial Group and its related entities since 2004 and also owns Symphony Financial Services, a marketing DBA for securities, advisory, and insurance services. Independent Financial Group is a large, integrated advisory and brokerage firm serving individuals, trusts, corporations, business owners, and plan sponsors. The firm offers investment advisory programs, financial planning, and retirement plan services, managing approximately $12.9 billion in regulatory assets through various platforms and a combination of in-house and third-party model portfolios.

Michael Kornegay is a CFP® certificant with nine years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. He has previously worked at Fidelity Investments, Robinhood Financial, and Charles Schwab in various capacities. 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 multiple asset classes while leaving final trading decisions to clients.

Jacob Copley is a financial advisor with GWN Securities Inc. in Phoenix, AZ, holding a Series 66 designation and six years of industry experience. His prior experience includes roles at Equitable Advisors, AXA Advisors LLC, and a non-financial position with Pure Sushi. GWN Securities provides investment advisory and related services to individual and corporate clients through managed account programs, financial planning, and third‑party manager selection. The firm employs both affiliated and unaffiliated sub‑advisers and utilizes diversified investment strategies including tactical, momentum-based approaches.

Amy Hipple is a CFP® with eight years of industry experience. She currently works at Schwab Wealth Advisory, Inc. and has held roles within Charles Schwab & Co., Inc. and TIAA. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, focusing on annual financial reviews and tailored investment recommendations using Schwab’s research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees for its advisory services.

Benjamin Kieckhafer is a financial advisor with Schwab Wealth Advisory, Inc., holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has been with Charles Schwab in various roles since 2007 and with Schwab Wealth Advisory since 2014. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations based on Schwab’s asset allocation models and research tools. As an internal advisory unit within the Schwab ecosystem, the firm delivers advice without discretionary trading authority and does not directly charge clients fees.

Oscar Uribe Cervantes is a Series 66-licensed financial advisor with eight years of industry experience. He is currently with Empower Advisory Group and has previously worked at Fidelity Investments, Bank of America, Merrill, and Thornburg Investment Management. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm delivers services through an integrated model connected to Empower’s recordkeeping and administrative platforms and emphasizes long-term portfolio returns and annual rebalancing in its planning approach.

Kent Thomson is a financial advisor at Mercer Global Advisors Inc. with 10 years of industry experience. He holds a Series 66 designation and has worked at firms including Bank of America, Merrill, Morgan Stanley, Fountain, and Mogel. 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’s investment approach uses Modern Portfolio Theory with globally diversified, risk-appropriate portfolios and employs a variety of implementation options including ETFs, mutual funds, and separate accounts.

Douglas Famous is a financial advisor with Eagle Strategies (NY Life) based in Scottsdale, AZ. He holds Series 63 and Series 65 credentials and has 15 years of industry experience. He is the owner of Famous Financial and Insurance Solutions, LLC, through which he sells New York Life products and brokers non-registered insurance products. Eagle Strategies serves a broad mix of individual and institutional clients, offering financial planning, investment management, and retirement-plan advisory services. The firm provides advice and solutions through multiple program types and emphasizes tailoring recommendations to client objectives and plan sponsor criteria.

John Garrison is a financial advisor at Schwab Wealth Advisory with 12 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab since 2014, including his current role at Schwab Wealth Advisory since 2026. 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 types. The firm operates as an internal advisory unit within the Schwab ecosystem, using standard asset allocation models and research tools while leaving final trading decisions to clients.

Geoffrey Goldberg is a financial advisor at Schwab Wealth Advisory with Series 65 and Series 63 licenses and two years of industry experience. He has been with Schwab Wealth Advisory since 2025 and has prior work experience at Charles Schwab & Co., Inc, Kelly Education, and ScribeAmerica. 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 a range of securities. The firm operates within the Schwab ecosystem using standardized asset allocation models and research tools, with advisory services focused on client-directed investment decisions rather than discretionary management.

Jorge Cardenas is a CFP® professional with 12 years of experience in the financial services industry. He is currently an advisor at Schwab Wealth Advisory in Phoenix, AZ, and has previously worked at firms including Fidelity Investments, JP Morgan Securities, and Bank of America. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, delivering services like annual financial reviews and investment recommendations based on Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, serving individual clients without charging fees directly.