James Hatton is a CFP® and holds a Series 65 license, with 23 years of experience in financial advising. He has worked at Creative Planning since 2022 and previously operated Hatton Consulting, Inc. for 21 years. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in client assets and employs a financial planning–led investment process that emphasizes low-cost indexing, buy-and-hold strategies, and supplemental approaches such as direct indexing and tax-loss harvesting.

Michelle Heffel is a financial advisor at Osaic Advisory Services, LLC with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at firms including Pacific Capital Resource Group, Royal Alliance Associates, and Foresters Financial Services. Heffel also serves in compliance and supervisory roles within affiliated advisory groups. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving a diverse client base that includes individuals, pension and profit-sharing plans, corporations, trusts, charitable organizations, and municipal entities. The firm offers a range of services such as investment management, financial planning, retirement plan consulting, and third-party manager oversight, using multiple program models and both proprietary and third-party platforms.

Scott Householder is a financial advisor with Wealth Enhancement Advisory Services, LLC in Scottsdale, AZ, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He was previously affiliated with LPL Financial and led Householder Group Estate & Retirement Specialists for 12 years. Outside of advising, he serves as a trustee for the Gayle Bradford Davis Trust and is involved with multiple holding companies. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and employs a diversified investment approach blending passive and active strategies overseen by an internal Investment Committee.

Thane Walton is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has been with United Planners since 2014. United Planners is a national wealth-management enterprise serving a diverse client base including individual investors, retirement plans, corporations, trusts, estates, and institutional clients. The firm offers advisory and brokerage services through independent Investment Adviser Representatives and manages approximately $12.77 billion in assets, primarily on a non-discretionary basis.

William Friese Jr. is a financial advisor at Oppenheimer with five years of industry experience. He holds the Series 66 credential and previously worked for Arizona Associated Surgeons for 19 years. Outside of his advisory role, Friese serves as an independent contractor performing vasectomies for an underserved population in Arizona through Planned Parenthood. Oppenheimer is a registered investment adviser and broker-dealer that serves individuals, corporations, pension and profit-sharing plans, charitable organizations, pooled investment vehicles, and IRAs. The firm offers a broad range of programs and advisory services including equity, balanced, and fixed-income portfolios, with both discretionary and non-discretionary management approaches.

Andrew Wood is a financial advisor at Beacon Pointe Advisors, LLC with 12 years of industry experience. He holds the Series 66 designation and previously worked at Charles Schwab for 10 years before joining Beacon Pointe. Beacon Pointe Advisors provides wealth advisory, consulting, financial planning, retirement-plan services, and outsourced chief investment officer solutions to a diverse client base including individuals, corporations, and institutional clients. The firm combines asset-allocation modeling with vetted third-party managers and employs both active and passive strategies across public and private asset classes.

Tiffany Lum is a CFP® with 12 years of industry experience, currently affiliated with United Planners Financial Services of America as a Limited Partner. Her prior experience includes roles at OSAIC, PFG Advisors-RIA, Securities America, and Cue Financial Group. Outside of advisory work, she serves as president of Teal Tax Services PLLC, a tax preparation and accounting firm. United Planners Financial Services serves a diverse client base, including individuals, corporations, charitable organizations, and institutional clients, offering financial planning, portfolio management, retirement plan services, and brokerage solutions through a large network of independent advisors. The firm operates an open-architecture platform using multiple custodians and third-party money managers, with a focus on largely non-discretionary asset management.

Consuelo Lopez is a financial advisor with Kestra Advisory who holds Series 63 and Series 66 licenses and has 17 years of industry experience. Her previous roles include positions at Wells Fargo Clearing, J.P. Morgan Securities, and Chase Investment Services Corp. Outside of her advisory work, she is the owner of VALSBAT LLC, a baseball coaching business. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a wide range of institutional and individual clients. The firm offers services including fiduciary consulting, plan-level investment advice, and manages over $79 billion in assets, serving notable clients such as sovereign wealth funds.

Reynaldo Sandoval is a financial advisor with Schwab Wealth Advisory, holding the Series 63 and Series 66 designations and bringing 10 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank and serves as a Sergeant in the United States Marine Corps. In addition to his advisory role, he works seasonally as a driver for a logistics company in the Phoenix area. 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 and select referred clients. The firm’s investment guidance is based on Charles Schwab & Co.’s asset-allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Erin Sweitzer is a financial advisor with Commonwealth Financial Network based in Phoenix, AZ. She holds the Series 66 designation and has 17 years of industry experience. Since 2016, she has been associated with Camelback Retirement Planners. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and managing around $212.7 billion in client assets. The firm provides a broad adviser-support platform that includes managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Barnabas Choe is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and five years of industry experience. His prior work includes roles at Charles Schwab & Co., Inc. and Quicken Loans. In 2023, he was involved with Ubiquitous Bookkeeping Services LLC. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program or referred by Charles Schwab & Co. The firm’s recommendations are based on internal research and asset-allocation models, with client authorization required for trades.

Dieter Bollmann is a CFP® professional with 26 years of experience, currently affiliated with United Planners Financial Services of America as a Limited Partner. He has held roles at Dundas Wealth Management LLC since 2022 and has been an independent insurance agent since 2020. Outside of his advisory work, he has been involved with the Arizona Center for Germanic Cultures for over two decades and participates in the German-American Chamber of Commerce West-Arizona Chapter. United Planners Financial Services is a national wealth-management enterprise serving a broad client base, including individual investors, retirement plans, corporations, trusts, and institutional clients. The firm employs independent Investment Adviser Representatives and utilizes a variety of custodians and third-party money managers to implement client strategies, with a significant portion of assets managed on a non-discretionary basis.

Joseph Popp is a financial advisor at Oppenheimer with 45 years of industry experience. He has been with Oppenheimer since 2008 and holds Series 63, Series 65, and Series 66 credentials. Outside of his advisory role, he has served as an Arizona election poll observer with the GOP. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, pooled investment vehicles, and IRAs. The firm offers a broad range of programs and services, including asset management, consulting, and retirement planning, delivered on discretionary and non-discretionary bases.

Pascal Kropf is a CFP® with 11 years of industry experience, currently serving as a financial advisor at CWM, LLC. His prior roles include positions at Silverhawk Private Wealth, The Vanguard Group, and Morgan Stanley. He is also the owner of two LLCs, Modern Marquee Society and Clear Notarization, which provide non-investment business and notary services. CWM, LLC is an SEC-registered investment adviser with over 650 advisors managing approximately $50.6 billion. The firm offers a range of services including discretionary asset management, financial planning, and retirement plan solutions, supported by an Investment Committee that designs model portfolios and tailors investment strategies using multiple inputs.

Tom Nguyen is a financial advisor with Mariner in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. His prior experience includes roles at Bank of America, Merrill, UnionBanc Investment Services, Morgan Stanley, and Charles Schwab. Outside of advisory work, he operates a sole proprietorship involved in real estate transactions for himself. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations through investment management, financial planning, and retirement consulting. The firm combines customized portfolio management with integrated tax and accounting services, supporting clients with a broad range of traditional and alternative investment strategies.

Michael Foster is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. He previously worked at Naviigo LLC, where he served as CEO overseeing the development of a travel experience mobile app. Foster has been with Charles Schwab & Co. since 2018 and Schwab Wealth Advisory since 2022. 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 internal research tools. The firm offers tailored, point-in-time wealth management consultations with a focus on client authorization for all trades.

Tanya Heyn is a financial advisor at Schwab Wealth Advisory with 23 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including USAA Investment Management Company and Charles Schwab. Tanya is based in Phoenix, AZ. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co. referred clients, providing non-discretionary fiduciary investment advice, financial planning, and point-in-time wealth management consultations. The firm’s advice is based on Schwab’s asset-allocation models and research tools, with guidance tailored to clients’ goals and risk tolerance.

Rachel Schmidt is a financial advisor at Schwab Wealth Advisory, Inc. with two years of industry experience and a Series 66 designation. She previously worked at Cetera Investment Advisers LLC and Cetera Wealth Services, LLC. Outside of her advisory role, she serves as adjunct faculty at Grand Canyon University, grading homework assignments for the College of Engineering. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and internal research, with client authorization required for trades.

Trennon Payne is a financial advisor with Guardian Life who holds Series 63 and Series 65 designations and has 10 years of industry experience. He previously worked at Northwestern Mutual Wealth Management Company and related entities for nine years before joining Park Avenue Securities and Guardian Life. Payne also has experience as a broker for insurance products outside of Guardian. Guardian Life’s subsidiary, Park Avenue® Wealth Management, provides brokerage and advisory services to individuals, businesses, and institutions, offering a range of financial planning, investment management, and consulting solutions through both advisor-led and model-based strategies.

Tigran Unciano is a CFP® and CFA® with 15 years of industry experience, currently serving as a financial advisor at Creative Planning since 2022. Prior to joining Creative Planning, he worked for 16 years at Hatton Consulting, Inc. based in Phoenix, AZ. Creative Planning provides investment advisory and financial planning services to a diverse client base including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in client assets and employs a financial planning–led investment approach that emphasizes low-cost indexing and buy-and-hold strategies, supplemented by additional portfolio management techniques and comprehensive retirement plan services.