Amber Grady is a financial advisor with Charles Schwab who holds a Series 66 designation and has 14 years of industry experience. She has worked with various Schwab entities since 2016, including Charles Schwab & Co., Inc. and Schwab Trust Bank. Charles Schwab & Co., Inc. serves primarily 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 separate managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

David Kliber is a financial advisor with Cetera in Scottsdale, AZ, holding Series 63 and Series 65 licenses and having 29 years of industry experience. He previously worked at UBS Financial Services for 15 years before joining Cetera in 2024. Kliber also operates Kliber Wealth Management, LLC and has been involved in selling fixed insurance products since 1997. Cetera Investment Advisers LLC provides services through a large nationwide network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with discretionary and non-discretionary program options.

Jeffrey Dinkel is a financial advisor with Merrill, holding the Series 66 designation and bringing 10 years of industry experience. He has worked with Merrill since 2014 and has been with Bank of America, N.A. since 2017. Merrill, along with its affiliate Managed Account Advisors LLC (MAA), offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Fernando Loza Morales is a financial advisor at Merrill in Phoenix, AZ, holding a Series 66 designation. He has been in the industry since 2026, with prior experience at Bank of America and a background in the hospitality sector at California Pizza Kitchen. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jean Charles is a Series 66-licensed financial advisor at Merrill with three years of industry experience. His work history includes roles at Bank of America and Oscar, along with earlier experience at Sunrise Medical Laboratories and Loma Linda University. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

Jeremy Nelson is a Series 66-credentialed financial advisor at Morgan Stanley with nine years of industry experience. He previously worked at Bank of America and Merrill from 2017 to 2023 and held roles at Esurance and Mountain Park Community Church. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools.

Nancy Hansen is a Certified Financial Planner® with 33 years of industry experience. She has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Hansen serves as a volunteer board member for Leave a Legacy SW MN, a group focused on charitable gift planning, and is involved with cancer awareness efforts in Redwood County. She also serves as treasurer on the Endowment Committee of St. John Evangelical Lutheran Church. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors, offering goal-based analyses and comprehensive planning without discretionary portfolio management.

Jackky Nguyen is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. Prior to joining Merrill in 2017, Nguyen worked at Chandler Regional Medical and Northstar Alarms. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Ortiz is a Series 66 licensed financial advisor with Merrill, based in Chandler, AZ, and has nine years of industry experience. He has worked at Merrill since 2020 and previously held positions at Bank of America, Financial Engines Advisors, and other companies. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Yizhi Zhang is a financial advisor with Morgan Stanley in Gilbert, AZ, holding a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, Zhang worked at Dataway Horizon and Xucan Information Technology from 2020 to 2022, and has also held roles at JC Horizon Ltd and UnionPay International. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, providing a range of advisory programs and financial planning services supported by structured tools and proprietary analysis.

Brian Nimr is a financial advisor at OSAIC with three years of industry experience and a Series 66 designation. His prior work includes roles at Waldron Partners and TravisMathew. Outside of advising, he works as a sports journalist, tracking live sports data. OSAIC Wealth, Inc. serves a diverse group of retail and institutional clients through a large network of affiliated advisers. The firm offers a range of financial planning and investment advisory services, using various asset-allocation tools and third-party solutions to construct portfolios across multiple asset classes.

Jordan Hermes is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 licenses and bringing four years of industry experience. His prior work includes roles at US Bank and two entrepreneurial ventures in the food services sector, Pilgrim's Market LLC and Freckled Spirit LLC, where he participates in local farmers markets and a home-based bakery. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence. The firm uses an ESG eligibility framework and offers recommendations primarily on a non-discretionary basis.

Adam Wold is a Series 66 licensed financial advisor at Fidelity with two years of industry experience. His prior work includes roles at Arizona Home Based Services, AZ Staffing Partners, Westpac Wealth Partners, and Walgreens, among others. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm employs a systematic investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Ramon Chavez is a financial advisor at Merrill with Series 63 and Series 66 designations and three years of industry experience. His prior roles include positions at J.P. Morgan Securities and Bank of America. Outside of his advisory work, he has longstanding involvement with Arizona State University and Estrella Mountain Community College. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies to individuals, high-net-worth clients, and institutions. The firm uses a range of internally constructed and third-party models, with portfolio implementation tailored to client needs.

Mary Webb Banta is a financial advisor with Merrill in Gilbert, AZ, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has been with Merrill since 2005. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies managed by internal teams and third-party style managers for individuals, high-net-worth clients, and institutional investors.

Xhulio Tuku is a financial advisor with Morgan Stanley in Gilbert, AZ, holding Series 63 and Series 66 designations and two years of industry experience. His prior experience includes roles at THE Vanguard Group, Inc., Union Bank, and Randstad. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses firm-approved planning tools such as Monte Carlo simulations as part of its structured financial planning process.

Perry Teplitsky is a financial advisor with OSAIC in Chandler, AZ, holding Series 63 and Series 66 designations and bringing 43 years of industry experience. He previously worked at SagePoint Financial for 15 years and has been involved with Double Eagle Enterprises since 1980. Outside of advising, he is involved in owning and marketing through his entities Grayhawk Financial Services and Grayhawk Asset Advisors. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charities, offering integrated brokerage, advisory services, financial planning, and managed portfolios. The firm employs asset-allocation tools and supports multiple advisory platforms, including third-party solutions, with a complex corporate structure that includes private-equity ownership and alternative investment distribution.

John Sanborne is a financial advisor at Morgan Stanley in Tempe, AZ, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, he worked in investment real estate and various other business roles. He is involved with Roosted.IO, a real estate-related venture based in Cave Creek, Arizona. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs and financial planning services. The firm manages trillions in client assets and employs structured planning processes without providing individual security recommendations as part of standalone planning.

Stacey Blake is a financial advisor with Merrill, holding a Series 66 credential and eight years of industry experience. She has worked at Merrill since 2017 and is also associated with Bank of America, N.A. since 2020. Outside of advising, she helps manage a family business selling minerals and shaped rocks through an online Etsy store. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Chris Heavin is a financial advisor with Fidelity Investments in Chandler, AZ, holding Series 63 and Series 66 licenses and four years of industry experience. His career includes roles at Merrill, Bank of America, Robinhood Markets, The Vanguard Group, and Charles Schwab. He also serves as an adjunct mathematics professor at Maricopa Community College, teaching calculus courses. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of model portfolios, advisory roles to registered investment companies, and integration of AI-driven methodologies.