Joanna Peters is a CFP® with 13 years of industry experience, currently serving at Schwab Wealth Advisory, Inc. She has previously worked at Vanguard and Fidelity, among other firms. In addition to her advisory role, she teaches virtual courses as an adjunct faculty member at Grand Canyon University. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab ecosystem, offering annual financial reviews, retirement planning, and investment recommendations using proprietary research and standard asset allocation models.

Thomas Deichert is a CFP® with 42 years of industry experience, currently affiliated with Commonwealth Financial Network and operating Wealth Solutions By Design, PLLC. He has provided tax preparation services through his firm in addition to his advisory work. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm offers a comprehensive adviser-support platform that includes managed-account programs, third-party asset manager access, and custody services.

Wade Gebers is a financial advisor with D.A. Davidson & Co., holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with D.A. Davidson & Co. since 2005. Outside of his advisory work, he is a member of NTL LLC, a holding company for vehicles. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including retirement plans, individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers a range of services such as ERISA retirement plan advisory, comprehensive financial planning, and a Private Wealth program for clients with over $20 million in net worth.

Karl Jacobsen is a ChFC® and Series 63 credentialed financial advisor with 37 years of industry experience. He has worked at SPC and SIGMA Financial Corporation since 2019 and previously spent nine years at Berthel Fisher & Company Financial Services, Inc. Outside of his advisory work, Jacobsen serves as vice president of the Friends of Decorah Fish Hatchery, a nonprofit focused on fundraising for facility improvements, and is active in local community organizations including the Great Lights Masonic Lodge and the Decorah Lions Club. SPC serves individual clients, charitable organizations, corporations, and employer-sponsored retirement plans through a network of over 460 advisers managing approximately $5.66 billion in assets. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services, delivering strategies based on client suitability and providing both discretionary and nondiscretionary management options.

Emily Collins is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and seven years of industry experience. Her prior roles include positions at Charles Schwab Bank, Charles Schwab, Bank of America, and Discover Financial Services. 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. The firm focuses on delivering investment recommendations while leaving final trading decisions to clients and conducts at least annual account reviews without discretionary trading authority.

Philip Whittaker is a CFP® professional with seven years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. His prior roles include positions at The Vanguard Group and Charles Schwab Bank. Whittaker’s background also includes experience with The Prudential Insurance Company of America and Arizona State University. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations. The firm operates within the Schwab ecosystem using standardized asset allocation models and research tools, with advisors recommending investments while clients retain final trading decisions.

Trevor Willems is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 66 licenses and has 9 years of industry experience. He has been with Schwab Wealth Advisory since 2020 and previously worked at Charles Schwab Bank from 2017 to 2020. Willems is based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations using Schwab’s proprietary research tools. The firm operates as an internal advisory unit within Charles Schwab, delivering advice through standard asset allocation models without discretionary trading authority.

Joshua Lustbader is a financial advisor with Beacon Pointe Advisors, LLC, holding Series 63 and Series 65 credentials and three years of industry experience. His prior roles include positions at Stonegate Capital Advisors, The Vanguard Group, Fisher Investments, Paladini Financial Management, and RegentAtlantic. Beacon Pointe Advisors, LLC provides wealth advisory, consulting, financial planning, retirement-plan platform services, and outsourced chief investment officer services to individuals, corporations, pension and profit-sharing plans, and other institutional clients. The firm uses a combination of asset-allocation modeling and third-party independent managers, employing both active and passive strategies across public and private asset classes.

Beth Yost is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 designations and 22 years of industry experience. She has been with Charles Schwab since 2004. Outside of her advisory role, she provides dog sitting services through the Rover.com platform. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a blend of non-discretionary and discretionary investment advisory services through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm’s integrated structure combines advisory, brokerage, custody, and cash-sweep services across multiple wrap programs.

Daniel Schneider is a financial advisor at Charles Schwab with 14 years of industry experience. He holds the Series 66 designation and has worked in various capacities including at 1ST Global Capital Corp., 1st Global Advisors Inc., and Schneider & Associate, CPAs, P.C. He serves as a parish council member and treasurer for St George Antiochian Orthodox Church, where he is involved in budgeting and financial oversight. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management services supported by a large, integrated platform.

Blake Winston is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Drivetime, Dicks Sporting Goods, and the Union for Reform Judaism. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Bruce Nicholas Cabanayan is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. He worked at Bank of America for five years prior to joining Merrill, where he has been employed for five years. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Linda Schrunk is a financial advisor at Edward Jones with 32 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Wells Fargo Clearing and Merrill. Schrunk has been with Edward Jones since 2019. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a broad range of advisory programs and investment solutions, with a sizable network of financial advisors and branch offices nationwide.

Lawrence Whitley Thomas is a financial advisor at Edward Jones in Tempe, Arizona with 16 years at the firm and 11 years of industry experience. He holds Series 63 and Series 66 designations. Outside of his advisory role, he officiates basketball games for various local leagues, including city, youth, and high school levels. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Adrian Paredes is a financial advisor with Merrill based in Chandler, AZ, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Bank of America and Rocket Mortgage. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, and institutional accounts. The firm leverages its integration with Bank of America’s corporate platform to offer a wide range of products and services.

Paul De Stefanis is a financial advisor at Edward Jones in Tempe, AZ, holding a Series 66 designation with 11 years of industry experience. He has worked with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm provides a range of advisory programs and investment solutions, operating under a fiduciary standard and maintaining a large nationwide network of financial advisors and branch offices.

David Simon is a financial advisor with Wells Fargo Clearing in Phoenix, AZ, holding Series 63 and Series 65 designations and 36 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a wider range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Maya Byrd is a financial advisor at Morgan Stanley in Tempe, AZ, holding a Series 66 designation with two years of industry experience. She previously worked at Merrill and has held various roles outside finance, including positions with the City of Phoenix Police Department and Amazon. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and financial planning services supported by firm-approved tools and a structured discovery process.

Cheri Keene is a financial advisor at LPL Financial with 18 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at LPL Financial since 2015. Prior to and concurrently, she has been associated with the National Bank of Arizona since 2014. Keene also serves as a Trading Manager and Business Development Officer at Zions Trust. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing discretionary and non-discretionary management supported by research and model portfolios.

Antonio Zapata is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and 21 years of industry experience. His prior roles include positions at AssetMark Brokerage, AssetMark Financial Holdings, Financial Engines Advisors, Wells Fargo Clearing, and The Vanguard Group. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management services supported by centralized custody and operational resources.