Chitra Madanmohan is a CFP® with 10 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. She previously worked at Vanguard Advisers and The Vanguard Group, Inc. in various roles spanning eight years. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, utilizing standard asset allocation models and Schwab research tools to guide investment recommendations while leaving final decisions to clients.

Akihiro Kato is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience and holds Series 63 and Series 66 licenses. He has been with Schwab Wealth Advisory since 2018 and affiliated with Charles Schwab since 2015. Outside of his advisory role, he is co-owner of an e-commerce business focused on Fulfillment by Amazon, partnering with his wife. 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 using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab and does not directly charge clients fees for its advisory services.

Ryan Alexandre is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and three years of industry experience. Before joining Schwab Wealth Advisory in 2026, he worked at Charles Schwab & Co., Inc. and held various roles across multiple companies. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, focusing on annual financial reviews and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients but is compensated through Charles Schwab & Co.

Michael Kinsey is a CFP® professional with 28 years of experience in the financial industry. He has been with Schwab Wealth Advisory Inc. since 2012 and has worked at Charles Schwab since 1997. Kinsey holds Series 63 and Series 66 licenses and is based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in its Schwab Wealth Advisory program, focusing on annual financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates within the Schwab ecosystem and does not directly charge clients fees, distinguishing its approach from many other enterprise wealth managers.

Derek Taddei is a financial advisor at Focus Partners Wealth, LLC with four years of industry experience. He holds a Series 65 designation and has previously worked at The Colony Group, LLC, HoyleCohen, and Stellar Capital Management, LLC. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, families, retirement plans, institutions, and businesses. The firm employs a long-term, tax- and fee-sensitive investment approach using a combination of active and passive strategies within an enhanced open architecture framework.

Dave Hauer is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 66 credentials and 22 years of industry experience. He has worked at United Planners since 2012 and was also involved in independent insurance from 2016 to 2023. United Planners serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients, offering financial planning, portfolio management, retirement plan services, and brokerage solutions through a network of 477 independent advisors. The firm operates an open-architecture platform with multiple custodians and third-party money managers, providing both fee-based and commission-based options.

Paul Ahern is a CFP® and ChFC® with 34 years of industry experience. He has worked at Hightower Advisors and Hightower Securities since 2018 and previously held roles at Purshe Kaplan Sterling Investments and Wealthtrust Arizona LLC. Ahern is also an insurance agent licensed since 2000. Hightower Advisors provides investment advisory and planning services to a broad range of individual and institutional clients, utilizing a multi-manager approach that includes affiliated and third-party managers, proprietary research, and a range of investment vehicles.

Giovanni Vermont Colosio is a financial advisor with Empower Advisory Group in Mesa, AZ, holding Series 63 and Series 65 licenses and three years of industry experience. His prior experience includes roles at Wells Fargo Clearing, Wells Fargo Bank, Farmers Insurance, and LPL Financial. Outside of his advisory work, he has worked as a delivery driver for DoorDash and as a sales associate for T-Mobile, where he markets credit cards in addition to customer phone plans. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and retail brokerage account holders. The firm offers an integrated service model aligned with its recordkeeping and administrative platforms, focusing on long-term portfolio returns and client savings rates.

Leah Johnson is a CFP® professional at Hornor, Townsend & Kent, LLC with six years of industry experience. Prior to joining Hornor, Townsend & Kent in 2025, she worked with New York Life and affiliated firms from 2018 to 2025. Outside of her advisory role, she provides horseback riding lessons through Apex Riding Academy. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans by offering advisory programs, financial planning, and retirement plan consulting. The firm provides both advisory and broker-dealer services, including custody and execution, and manages approximately $8.37 billion in discretionary assets under management.

Miguelito Reyes is a financial advisor at Transamerica Financial Advisors with 12 years of industry experience. He holds the Series 63 and Series 65 designations and has worked with both Transamerica Financial Advisors since 2014 and World Financial Group since 2012. He was also involved with B & L Learning Center LLC from 2011 to 2019. Reyes is engaged in the sale of insurance and non-insurance products affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and corporations. The firm offers both advisory and broker-dealer services through proprietary model portfolios and access to third-party managers, operating as both a registered broker-dealer and a registered investment adviser.

Edward Stark is a financial advisor with D.A. Davidson & Co. in Scottsdale, AZ, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. Prior to joining D.A. Davidson in 2019, he worked for RBC Capital Markets LLC for 11 years. Outside of his advisory role, he manages a vacation rental property when not in Arizona. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including employer-sponsored retirement plans, individual investors, charitable organizations, and corporations. The firm offers a range of services such as ERISA retirement plan advisory, comprehensive financial planning, and a Private Wealth program for high-net-worth clients, operating under fiduciary standards with both qualitative and quantitative investment approaches.

Myer Rickless is a financial advisor with Empower Advisory Group in Phoenix, AZ, holding a Series 66 designation and 14 years of industry experience. His career includes roles at Morgan Stanley and Alliance Global Partners prior to joining Empower in 2024. He also had a brief association with the University of Arizona in 2023. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, emphasizing long-term portfolio returns and annual rebalancing within an integrated service model linked to Empower’s administrative platforms.

Eric Pyles is a CFP® and ChFC® with 25 years of industry experience. He is affiliated with Hornor, Townsend & Kent, LLC and Penn Mutual Life Insurance Company, where he has worked since 2000. Outside of his advisory role, Pyles is involved in multiple insurance brokerage ventures and serves as president of a local football booster club supporting a community educational program. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisers. The firm offers advisory programs, financial planning, and retirement plan consulting, operating both advisory and broker-dealer services with a reported $8.37 billion in discretionary assets under management as of December 2025.

Erin Boch is a financial advisor at Schwab Wealth Advisory with three years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Charles Schwab & Co., Inc. since 2022 and Schwab Wealth Advisory Inc. since 2025. Prior to her current roles, she was involved with Tucson Robin Hood Inc. for seven years. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations supported by Schwab’s asset allocation models and research tools.

Colin Ruttinger is a financial advisor with AE Wealth Management, LLC in Gilbert, AZ, holding a Series 65 license and five years of industry experience. He has worked at AE Wealth Management since 2021 and concurrently operates Accrue Wealth Designs, where he has been involved in insurance sales and financial advising since 2017. Prior to that, he spent ten years with CMR Insurance Services, LLC. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base, including individuals, corporations, and trusts. The firm emphasizes model portfolio and direct asset management programs, utilizing a range of investment strategies and managing nearly $50 billion in assets across more than 127,000 clients.

Tara Smith is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 certifications and bringing 26 years of industry experience. She has been with Schwab Wealth Advisory since 2013 and Charles Schwab since 2009, with prior roles including self-employment and work at Omni Hotels. Outside of finance, Smith teaches online business and workplace development courses as adjunct faculty at Paradise Valley Community College and also works as a fitness instructor and author. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual financial reviews and tailored investment recommendations while leaving final trading decisions to clients. The firm operates within the Schwab ecosystem and generally does not exercise discretionary trading authority, distinguishing its advisory approach from many other wealth managers.

Kerry Vandine is a financial advisor with Schwab Wealth Advisory Inc. in Phoenix, AZ, holding Series 63 and Series 66 licenses and over 25 years of industry experience. He has been with Schwab Wealth Advisory since 2012 and has worked at Charles Schwab since 2000. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews, retirement planning, and investment recommendations using Schwab's asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab and does not directly charge clients fees, differentiating its service and client engagement approach from many enterprise wealth managers.

Steven Molinario is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. He has worked with Charles Schwab and Schwab Wealth Advisory since 2022 and previously spent six years at Cetera ADVISORS LLC. 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 using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab, focusing on client-directed investment decisions without exercising discretionary trading authority.

Ma Paula Louise Leido is a financial advisor with Schwab Wealth Advisory Inc. She holds Series 63 and Series 66 designations and has seven years of industry experience. Her prior work includes roles at Charles Schwab, Amazon.com, and Philippine Savings Bank. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering services such as financial reviews, retirement and planning discussions, and investment recommendations based on Schwab’s standard asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

Daniel Applegate is a CFP® and Series 65-licensed financial advisor with four years of industry experience. He has worked at Creative Planning since 2022, following roles at Keystone Wealth Partners and Wisdom Index Advisors. Prior to his advisory career, he spent four years at Liberty University. Creative Planning is an enterprise firm managing approximately $295.6 billion in client assets across more than 1,100 advisors and 151 offices. The firm serves a broad client base, including high-net-worth individuals, retirement plans, and institutions, using a financial-planning-led investment approach that emphasizes low-cost indexing, tax strategies, and selective private market exposure.