Jeffrey Kluve is a CFP®-certified financial advisor with 25 years of industry experience. He is currently affiliated with Commonwealth Financial Network since 2023 and previously worked with FireSky Financial Inc and Prudential Annuities Distributors. Kluve also owns JKFP LLC, a private entity facilitating his securities, advisory, and insurance business. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and their clients. The firm offers a broad adviser-support platform that includes managed account programs, access to third-party asset managers, retirement consulting, and custody services.

Nicole Meehan is a financial advisor with Lincoln Investment in Phoenix, AZ, holding a Series 66 designation and 12 years of industry experience. She has worked at Lincoln Investment since 2017 and previously held roles at Legend Advisory Corporation, Legend Equities Corporation, Politisocks, LLC, and Morgan Stanley. Outside of her advisory work, she provides business consulting focused on operations and recruiting for non-investment related companies. Lincoln Investment is an enterprise investment advisory and broker-dealer serving a diverse client base, including individual and high-net-worth investors, trusts, charities, and retirement plans. The firm combines in-house investment management and research with advisor-led consulting, offering model portfolios, third-party managers, and both wrap and non-wrap platform options.

Tovin Mcgovern is a CFP® with 14 years of industry experience, currently serving at Creative Planning since 2022. His prior experience includes roles at Hatton Consulting, Inc., and various positions at J.P. Morgan Securities and JP Morgan Chase Bank from 2009 to 2020. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm employs a financial planning-led investment process focused on low-cost indexing and buy-and-hold strategies, supported by a large advisory team and integrated non-investment services such as estate law and trust companies.

John Nielsen is a financial advisor at Stratos Wealth Partners, Ltd with 18 years of industry experience. He holds Series 63 and Series 66 registrations and has worked at firms including Wells Fargo Clearing and Merrill. He is based in Scottsdale, AZ. Stratos Wealth Partners, Ltd is an SEC-registered enterprise adviser with approximately 379 advisors and $18.6 billion in assets under management. The firm serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, nonprofits, and institutional clients, offering customized portfolio management and a range of financial planning and outsourced CIO solutions through an open-architecture platform.

Shane Foster is a CFP® professional with nine years of industry experience, currently affiliated with AE Wealth Management, LLC. His prior roles include positions at Schwab Wealth Advisory Inc. and Merrill. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base including individuals, corporations, trusts, and ERISA plan sponsors. The firm utilizes discretionary model portfolios and combines fundamental, technical, and cyclical analysis methods in its investment approach.

Brody Carroll is a financial advisor at Schwab Wealth Advisory with a Series 66 credential and one year of industry experience. Prior to joining Schwab Wealth Advisory, he worked at Charles Schwab & Co., Inc. and Acute Wealth Advisors, among other roles. He took a two-year period of extended travel before beginning his career in financial services. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on standard asset-allocation models and internal research tools.

Randal Golden is a financial advisor at Corient in Phoenix, AZ, with 21 years of industry experience. He holds the Series 63 and Series 65 credentials and previously worked at Vivaldi Capital Management, LLC for 14 years. Outside of his advisory role, he performs occasional accounting work for a family-involved real estate joint venture. Corient provides investment advisory and financial planning services to a diverse client base including individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and corporate entities. The firm employs a goals-based, team investment approach that integrates individual security and fixed-income strategies with third-party manager solutions and customized asset allocation.

David York is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. His career includes roles at Charles Schwab since 2009 and USAA financial services from 2006 to 2009. Outside of advisory work, he is involved in a real estate business in Phoenix, Arizona. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses asset-allocation models and internal research tools to offer tailored recommendations, primarily utilizing mutual funds, ETFs, and separately managed accounts, while executing trades only with client authorization.

Joshua Slagill is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. He has worked at Charles Schwab since 2021 and has prior experience in risk management and small business operations. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily for clients enrolled in the Schwab Wealth Advisory program, using proprietary asset allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance.

Torrey Pine is a CFP® and Series 65-licensed advisor at Carson Wealth with three years of industry experience. He has worked at Carson Wealth since 2023 and has prior experience with Integrated Wealth Management. Torrey holds educational experience from Chapman University and the University of Sydney. CWM, LLC operates as an SEC-registered investment adviser with a network of over 650 advisors managing approximately $50.6 billion. The firm provides discretionary asset management, financial planning, and retirement plan services, using an Investment Committee to construct and monitor portfolios and offering tailored solutions such as custom indexing and access to alternative investments.

Christopher Cassutt is a financial advisor with Guardian Life, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has been associated with Guardian Life and its related entities since 2014 and is currently also affiliated with Park Avenue Securities. Outside of advisory work, he partners with the Eagleston Financial Group and sells life and disability insurance through Guardian and other carriers. Park Avenue Securities, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a combination of advisor-led discretionary management and model-based strategies, along with access to proprietary and third-party advisory solutions.

Matthew Wilson is a financial advisor with United Planners' Financial Services of America and holds a Series 66 designation. He has 18 years of industry experience and has been involved with several firms, including Capital Analyst and Gold & Associates. Outside of his advisory role, he is the owner of New Market Wealth Management, a non-investment-related business. United Planners Financial Services serves a diverse client base, including individuals, corporations, charitable organizations, and institutional clients. The firm operates an open-architecture platform with multiple custodians and third-party money managers, offering both fee-based and commission-based financial planning, portfolio management, and retirement plan services.

Colton Haydel is a financial advisor at Schwab Wealth Advisory with a Series 66 credential and one year of industry experience. His previous roles include positions at JR Capital, Charles Schwab & Co., and other non-financial companies such as Epic Valet and Zen Shuttles. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on Schwab’s internal research and asset-allocation models, offering tailored recommendations but requiring client authorization for trades.

Tammy Austin is a financial advisor with Empower Advisory Group holding a Series 66 designation and four years of industry experience. Her prior work includes roles at Edward Jones, The Vanguard Group, Inc., and Humana. She is based in Surprise, Arizona. 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 certain retail brokerage account holders, delivering services through an integrated model tied to Empower’s recordkeeping and administrative platforms.

Christopher Bonnington is a financial advisor at TIAA-CREF with seven years of industry experience. He holds a Series 66 designation and has worked previously at Mutual of Omaha and Thrivent Financial. Bonnington is based in Phoenix, AZ. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals with existing employer retirement plan relationships, as well as trusts, estates, partnerships, and small retirement plans. The firm offers a fiduciary standard in its RIA services and operates within a vertically integrated structure that includes affiliated funds and donor-advised fund advisory services.

Brady Marlow is a CFP® professional with 22 years of industry experience, currently serving at Sequoia Financial Group, L.L.C. since 2025. His prior experience includes roles at CWM, LLC, Northwestern Mutual Wealth Management Company, and Ameriprise, among others. Outside of advisory work, he is the owner of Scopious Coaching, a life coaching business, and serves as Vice Chair of the Omaha Venture Group, a community foundation. Sequoia Financial Advisors, LLC provides wealth planning, investment management, and retirement-plan advisory services to a diverse client base including individuals, family offices, corporations, and charitable organizations. The firm employs a combination of model and custom portfolio management strategies and incorporates various investment vehicles such as mutual funds, ETFs, and private investments, with oversight by an Investment Policy Committee.

Patricia Holdman is a CFP® professional with 19 years of experience in the financial services industry. She has worked at Charles Schwab and Schwab Wealth Advisory Inc. since 2020 and previously spent nine years at The Vanguard Group, Inc. in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab’s asset-allocation models and research tools. The firm focuses on client-authorized trades and offers tailored recommendations reviewed at least annually.

Jason Fredette is a CFP® and CFA® with 24 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, where he has worked since 2018, including prior roles at Charles Schwab and several banking institutions. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain referred clients, using asset-allocation models and internal research tools to tailor recommendations based on individual goals and risk tolerance.

Adam Brown is a financial advisor at Schwab Wealth Advisory with 14 years of industry experience. He has worked at Charles Schwab & Co., Inc. and Schwab Wealth Advisory Inc. since 2018, and previously spent six years with The Vanguard Group, Inc. He holds Series 63 and Series 65 licenses. 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 and certain Charles Schwab & Co.-referred clients. The firm uses Schwab’s asset-allocation models and research tools to guide investment selection and typically recommends third-party or affiliated separately managed accounts.

Carson Busch is a financial advisor with Sequoia Financial Group, L.L.C. in Phoenix, AZ. He holds a Series 65 designation and has one year of industry experience. Prior to joining Sequoia, he worked at Focus Partners Wealth and The Gellman Team Real Estate. Sequoia Financial Advisors provides wealth planning, investment management, retirement-plan advisory, and related consulting services to a diverse client base that includes individuals, family offices, corporations, charitable organizations, trusts, and retirement plans. The firm employs a combination of model allocations and custom portfolio solutions overseen by an Investment Policy Committee.