Samuel Goddard is a CFP® and CFA® with six years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. Prior to joining Schwab in 2025, he worked at Morgan Stanley for five years and at Voya for one year. Outside of finance, he has experience working in the hospitality industry at Wally's American Pub N Grill and has been involved with Colorado College and its fitness center. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews and tailored investment recommendations. The firm uses Schwab’s asset allocation models and research tools, with advisors recommending allocations while clients retain final trading decisions.

Steven Schlegel is a financial advisor at First Command Advisory Services with 34 years of industry experience. He holds Series 63 and Series 65 licenses. His prior work history includes roles at Sagepoint Financial, Commonwealth Financial Network, Krueger Financial Services, and Hornor, Townsend & Kent. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a long-standing focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs that utilize model portfolios managed by a centralized Investment Management Team and Wealth Portfolio Managers.

Andrew Porter is a CFP® with 19 years of industry experience, currently serving with Schwab Wealth Advisory, Inc. since 2025. He has been affiliated with Charles Schwab & Co., Inc. since 2016, including a prior role at Schwab Private Client Investment Advisory, Inc. in 2016. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations. The firm uses Schwab’s asset allocation models and research tools, with advisors recommending allocations but leaving final trading decisions to clients.

Phillip Vetter is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Ameritas Advisory Services since 2021 and is also the owner and managing partner of Arizona Advisors LLC, a firm engaged in the sale of fixed insurance products. Vetter is licensed as an independent insurance agent for fixed insurance products. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to individuals, charitable and corporate entities, and retirement plans. The firm offers fee-based asset management, retirement-plan advisory, and fiduciary services, utilizing model portfolios, third-party sub-advisers, and custom strategies, with a focus on comprehensive plan consulting and client reviews.

Bridget Orr is a financial advisor with Primerica Advisors in Gilbert, AZ, holding a Series 66 designation and six years of industry experience. Her work history includes roles at Guardian Life Insurance Company, Park Avenue Securities, and UBS Financial Services. Outside of her advisory work, she is involved with MIS1ON LLC, a business unrelated to securities. Park Avenue Securities LLC serves a diverse retail client base with brokerage and advisory services, offering proprietary and third-party investment programs alongside financial and business consulting. The firm manages approximately $15 billion in assets and supports a range of investment strategies across discretionary and non-discretionary accounts.

Isaac Boll is a CFP®-certified financial advisor with seven years of industry experience. He is currently affiliated with CWM, LLC and Garmone Financial, LLC, and previously worked at firms including The Vanguard Group and Northwestern Mutual. Outside of advisory work, he provides tutoring for finance and professional exam preparation and owns an expense management business. CWM, LLC is an SEC-registered investment adviser serving individuals, families, institutions, and corporations through a network of over 600 advisors. The firm offers portfolio management, financial planning, sub-advisory, and retirement plan services, employing discretionary model portfolios overseen by an Investment Committee and utilizing a combination of fundamental and technical analysis.

Kathleen Cashatt is a CFP® professional with 23 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory in Phoenix, AZ. Her prior experience includes roles at Charles Schwab and USAA financial planning services. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across various asset types. The firm functions as an internal advisory unit within the Schwab ecosystem, delivering advice using Schwab’s asset allocation models and research tools without exercising discretionary trading authority.

Janice Adams is a financial advisor with Principal Financial Services in Gilbert, AZ, holding Series 65 and Series 63 licenses and bringing seven years of industry experience. Her work history includes roles with Principal Securities Inc, Principal Life Insurance Company, OneAmerica Securities, and other firms. Outside of her advisory work, she administers a radiology consulting business through JS ADAMS LLC. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, offering financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed accounts. The firm utilizes promoter and referral arrangements to support its Financial Advisors and client services.

Andrew Cocchia is a financial advisor at Schwab Wealth Advisory with 22 years of industry experience. He holds the CFP® designation along with Series 63 and Series 66 licenses. Prior to joining Schwab Wealth Advisory and Charles Schwab in 2022, he worked at The Vanguard Group for 18 years. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers financial reviews, planning discussions, and investment recommendations using Charles Schwab’s asset allocation models and research tools, while leaving final investment decisions to clients.

Julia Cummings is a financial advisor with Beacon Pointe Advisors, LLC in Phoenix, AZ. She holds Series 63 and Series 65 credentials and has 11 years of industry experience. Her work history includes roles at Beacon Pointe Insurance Services, LLC, Beacon Pointe Wealth Advisors, LLC, and AdvicePeriod, LLC. Beacon Pointe Advisors, LLC provides wealth advisory, financial planning, retirement-plan services, and outsourced chief investment officer solutions to individual investors, corporations, and institutional clients. The firm employs a combination of asset-allocation modeling and third-party independent managers, using both active and passive strategies across public and private asset classes.

John Nanni is a Certified Financial Planner® with 27 years of industry experience, currently serving with J.W. Cole Advisors, Inc. since 2010. He also operates several non-investment businesses, including motivational speaking through Rippleinc.com, and works as a life and health insurance broker. Additionally, he volunteers as a substitute teacher and is involved in a home remodeling company. J.W. Cole Advisors operates a large network of independent advisers, providing fee-based portfolio management, financial planning, and retirement plan services to individuals, high-net-worth clients, and institutions. The firm offers a range of managed program options and utilizes both discretionary and non-discretionary account management with multiple investment strategies and platforms.

Rune Nordhagen is a financial advisor with Schwab Wealth Advisory based in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at Charles Schwab since 2007 in various roles and was involved in owning and managing laundromat businesses from 2012 to 2017. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering investment recommendations and annual financial reviews using Schwab’s proprietary research and asset allocation models.

Timothy Kee is a CFP®-certified financial advisor with 28 years of industry experience, currently serving at Schwab Wealth Advisory in Phoenix, AZ. He has been with Charles Schwab and its affiliated entities since 2000, including nine years at Schwab Private Client Investment Advisory, Inc. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering 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 and does not exercise discretionary trading authority for client accounts.

Kevin Gotwalt is a financial advisor at Primerica Advisors with 19 years of industry experience. He holds a Series 66 designation and has worked with Park Avenue Securities and Guardian Life Insurance Company since 2006. Outside of his advisory role, he is involved in providing insurance services including health, life, disability, annuities, and long-term care insurance through other companies. Primerica Advisors serves a diverse retail client base, offering brokerage and advisory services along with financial planning and consulting. The firm employs a range of investment strategies through proprietary and third-party portfolios and supports various account-level services including lending solutions and donor-advised funds.

Michael Rautiola is a CFP® professional with 25 years of experience in financial advising. He is currently affiliated with CWM, LLC and has held roles at firms including RLW Financial Advisors, Cetera Wealth Services, and RFC Financial Planners. He is co-founder of a fixed insurance business, providing life, health, disability, annuities, and long-term care solutions to clients. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients primarily through a network of more than 600 advisors. The firm offers portfolio management, financial planning, sub-advisory, and retirement plan services, generally managing accounts on a discretionary basis using model portfolios developed by an in-house Investment Committee.

Thomas O'Brien is a financial advisor with TLG Advisors, Inc. based in Scottsdale, AZ. He holds Series 63 and Series 65 designations and has 25 years of industry experience. His prior roles include positions at Kestra Investment Services, WealthPoint LLC, OneAmerica Securities, and Polaris Insurance Advisors LLC, where he is involved in business development and operations management. TLG Advisors, Inc. serves a diverse client base including individuals, high-net-worth clients, trusts, charitable organizations, corporations, and institutional investors. The firm provides investment supervisory services, portfolio management, and comprehensive financial planning, employing a manager selection process grounded in fundamental analysis and Modern Portfolio Theory.

Johnnie Harris is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. Prior to joining Schwab Wealth Advisory in 2021, Harris worked at Financial Engines Advisors L.L.C., Sagepoint Financial, Inc., and Advisor Group in Arizona. Outside of financial advising, Harris is a part owner of Robinson Airport Shuttle, a transportation business in Gary, Indiana. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing standardized asset allocation models and Schwab research tools to deliver tailored investment recommendations while leaving final trading decisions to clients.

Jared Weiss is a CFP® with 25 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory and Charles Schwab, having previously worked at The Vanguard Group, Pioneer Winter Wonderland, Desert Dogs Baseball, and The Prudential Insurance Company of America. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through 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.

Paul Nacario is a financial advisor with Creative Planning holding Series 63 and Series 65 credentials and 32 years of industry experience. He previously worked at Innovest Portfolio Solutions, LLC and ICMA Retirement Corporation. Paul is based in Scottsdale, AZ. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals and institutional clients. The firm employs a financial-planning-led investment approach that combines low-cost indexing, buy-and-hold strategies, and selective private market exposure.

Janice Guinn is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Private Advisor Group, LLC since 2022. She previously worked at Oppenheimer for 12 years and was a self-employed paraplanner for two years. Ms. Guinn also owns Guinn Financial Planning LLC, an independent financial services practice. Private Advisor Group, LLC is an SEC-registered advisory firm managing over $41 billion across more than 135,000 client relationships. The firm serves individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients, offering portfolio management, financial planning, and access to third-party asset management programs.