Cody Heins is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 66 designation and has eight years of industry experience. Prior to joining Raymond James in 2025, Heins worked at LPL Financial LLC, Edward Jones, and Union Bank & Trust. He is also associated with Arrowhead Wealth Partners, a non-investment-related support company based in Glendale, AZ. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary advisory services using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Brett Woods is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has served since 2009. He has been in the financial services industry since 2004, providing personalized wealth management strategies tailored to clients' individual financial goals. Brett specializes in areas such as college education planning, investment consulting for defined contribution plans, personal retirement planning, portfolio management services, and retirement income. Brett holds a Bachelor's Degree from Idaho State University, where he attended on a golf scholarship. He has earned the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification and the Chartered Retirement Planning Counselor™ (CRPC™) designation, as well as the Personal Investment Advisor (PIA) credential. Born and raised in Laurel, Montana, Brett relocated to Arizona in 2004 to begin his career in financial services. In addition to his professional work, Brett is engaged in community service and volunteers with local organizations, reflecting his commitment to the communities he serves. His personal interests include basketball, football, golfing, hiking, running, and traveling.

Frederick Balzarini is a financial advisor at Wells Fargo Clearing with 47 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes insurance-related vehicles and bank deposit sweep options among its investment offerings.

Drake Lane is a financial advisor at Cetera with a Series 66 credential and three years of industry experience. His prior roles include positions at Minnesota Life Insurance Co and Securian Financial Services Inc. He is also involved with Renaissance Financial, offering securities, insurance, and advisory services. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform, supporting discretionary and non-discretionary strategies across numerous program structures.

Steven Berryman is a financial advisor at Ameriprise with nine years of industry experience. Prior to joining Ameriprise in 2024, he worked at The Vanguard Group for eight years and has a Series 63 designation. Outside of finance, he has been involved with Windmill Roasters since 2021. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service, providing detailed retirement planning and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Heath Hanchey is a financial advisor at Edelman Financial Engines with 17 years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, N.A. and Merrill Lynch, Pierce Fenner and Smith. He has been with Financial Engines Advisors L.L.C. since 2017. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub-advisory services, and supports a large participant base through both advisor-led and online offerings.

Shea Boulware Creed is a financial advisor with RBC Capital Markets in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. Shea has been with RBC Capital Markets since 2009 and serves on the budget and investment review committee for the nonprofit community center Benavilla. Additionally, Shea participates in strategic planning for Forest Highlands Golf Club. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through in-house and third-party managers, supported by RBC’s extensive capital markets and affiliated asset management capabilities.

Keith Erickson is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 66 and Series 63 licenses and having nine years of industry experience. He has worked at Charles Schwab since 2017, including time with Charles Schwab Bank, and previously spent 15 years at Jones Lang LaSalle. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts, using multi-asset model portfolios and centralized custody and operational support.

Matthew Pontes is a financial advisor with Cambridge Investment Research Advisors, holding a Series 65 credential and over 14 years of industry experience. His career includes roles at Cambridge Investment Research, Inc. and BDT & Associates. Outside of advising, he is an independent insurance agent and a limited partner in Amber Farms LLC, where he participates in investment recommendations alongside other partners. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension and profit-sharing plans, charitable organizations, trusts, and retirement-plan sponsors. The firm provides financial planning, investment management, and retirement plan advisory services through a network of independent professionals, offering a variety of portfolio management and model-based solutions tailored to client objectives.

Dat Pham is a financial advisor at Fidelity with five years of industry experience. He holds a Series 66 designation and has worked at Fidelity Investments since 2021. Prior to that, he was employed at Wells Fargo Bank and Wells Fargo Clearing. Outside of his advisory role, he works as an independent contractor driving for Uber. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, offering model portfolios built from mutual funds, ETFs, and ETPs.

Thomas Moran is a financial advisor at Cambridge Investment Research Advisors with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously with AXA Advisors, LLC. Moran is also involved in independent insurance brokerage through Universal Financial Consultants and operates Moran Financial Services, providing financial planning and investment advisory services. Cambridge Investment Research Advisors serves a diverse client base—including individuals, pension plans, charitable organizations, and retirement-plan sponsors—offering financial planning, investment management, and retirement advisory services through a network of independent professionals. The firm utilizes a range of proprietary and third-party investment strategies, delivered via multiple custody platforms and tailored to client objectives.

Daren Frankeberger is a Senior Financial Advisor at Merrill Lynch Wealth Management, based in the Phoenix office since 1998. He holds a bachelor's degree in Economics and Communications from Northern Illinois University. Daren’s professional credentials include the Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA) designations. With expertise in retirement and estate planning, Daren focuses on helping clients establish and pursue their long-term financial goals. His client services include college education planning, family wealth management strategies, legacy planning, and socially responsible investing, among other specialized areas. Daren resides in the Phoenix area, where he enjoys hiking, tennis, music, reading, and running with his family.

James Cook is a financial advisor at Edelman Financial Engines with 19 years of industry experience. He holds the Series 66 designation and previously worked for THE Vanguard Group, Inc. for 10 years. Outside of his advisory role, he owns Willa Dean Farms, LLC, a web-based retail business selling goat milk soap products. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and serves a large client base through advisor-led and online platforms.

Dylan Duniho is a CFP® professional with 12 years of industry experience. He currently works at Fidelity, where he has been since 2019, including roles at Fidelity Brokerage Services LLC and Fidelity Investments. Prior to this, he spent five years at The Vanguard Group, Inc. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including advisory roles for registered investment companies and charitable funds. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage multi-manager and model portfolios.

Darren Desmond is a financial advisor at UBS Financial Services with 35 years of industry experience. He has been with UBS since 2000 and holds the Series 66 designation. Outside of his advisory role, he is connected to a small family-owned mushroom farm in Pennsylvania, although he is not involved in its operations. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and provides proprietary research and a wide range of capital markets services.

Kari Kibby is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and 19 years of industry experience. She has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2006. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based analyses and allows clients to combine planning with managed-account programs under a consolidated billing option called “WealthPlan,” while keeping planning and account management services separate.

Eugina Rodriguez is a financial advisor with J.P. Morgan Securities in Phoenix, AZ, holding Series 63 and Series 65 credentials and 27 years of industry experience. She previously worked at TIAA-CREF and JPMorgan Chase Bank, N.A. Outside of her advisory role, she serves as treasurer for a girls’ soccer team with Phoenix Rising Football Club, managing budgeting and expenses. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services on a non-discretionary basis supported by an in-house manager solutions team and centralized due diligence.

Carol Trueg is a financial advisor with Edward Jones in Glendale, AZ, holding a Series 66 designation and six years of industry experience. She has been with Edward Jones since 2020 and previously worked for Holy Family Catholic Schools for eight years. Trueg serves on the executive and investment committees of Catholic Education Arizona, where she evaluates the CEO and reviews reports on the organization’s outside investments. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, and operates under a fiduciary standard with a nationwide network of more than 23,700 financial advisors.

Jason Edwards is a financial advisor at Fidelity with six years of industry experience and holds a Series 66 designation. His work history includes roles at Fidelity Brokerage Services LLC and Thrivent Financial. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios and oversees multiple registered investment companies and fund-of-funds.

Joshua Latimer is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 license and 13 years of industry experience. He has been with Charles Schwab since 2012 and also works with Charles Schwab Bank since 2025. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios, formal alternative-investment due diligence, and integrated custody and order-routing services.