Andrew Kissinger is a CFP® professional with eight years of industry experience, currently serving at Schwab Wealth Advisory Inc. since 2020. He has prior experience with Charles Schwab & Co., Inc. dating back to 2017 and worked at Carvana from 2014 to 2017. 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’s guidance emphasizes asset allocation and investment selection based on Schwab’s proprietary research tools and standard models, with recommendations tailored to individual goals and risk tolerance.

Raymond Round is a CFP® with 33 years of industry experience, currently serving at D.A. Davidson & Co. since 1995. He is based in Scottsdale, AZ. Outside of his advisory role, he is president of The Loyola Sideliners, a nonprofit organization in Missoula, MT. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including retirement plans, individuals, charitable organizations, and corporate clients. The firm offers a range of services from retirement plan advisory to comprehensive financial planning and operates under the Advisers Act fiduciary standard.

John Escamilla is a CFP® and Series 66-licensed financial advisor with one year of industry experience. He is currently with Schwab Wealth Advisory, where he has worked since 2025. His prior experience includes roles at Merrill and Bank of America. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is centered on Charles Schwab’s proprietary asset-allocation models and internal research, offering tailored recommendations based on client goals and risk tolerance without exercising discretionary trading authority.

Bradley Kutler is a CFP® and Series 66 licensed advisor with five years of industry experience. He is currently with Focus Partners Wealth, LLC and previously worked at Stoker Ostler, The Vanguard Group, Edward Jones, Capco, and Cognizant Technology Solutions. Outside of his advisory role, he tutors CFP and securities exam content as an independent contractor for Varsity Tutors. Focus Partners Wealth, LLC serves individual and institutional clients with wealth management, financial planning, and retirement plan consulting. The firm employs a long-term, tax- and fee-sensitive investment approach that integrates active and passive strategies, private funds, and third-party managers within an enhanced open architecture framework.

Justin Tanquist is a Series 66 licensed advisor at Independent Financial Group, LLC with two years of industry experience. Before joining Independent Financial Group, he worked in the retail and service sectors, including positions at Carabba's Italian and Troon Golf. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and corporate and pension plans. The firm offers financial planning and portfolio management through multiple platforms and combines strategic asset allocation with ongoing due diligence across active and passive investments.

Denise Lilien is a financial advisor at Mariner in Scottsdale, AZ, holding Series 63 and Series 66 licenses with three years of industry experience. Her prior work includes roles at Apple Inc., Charles Schwab, and MSEC, LLC. Mariner serves a diverse client base, including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement plan consulting, and coordinated tax services. The firm employs customized, discretionary portfolios overseen by an Investment Committee and integrates tax and accounting services uncommon among large advisory enterprises.

Tanner Grech is a CFP®-certified financial advisor with Schwab Wealth Advisory, based in Phoenix, AZ. He has eight years of industry experience, including roles at Charles Schwab since 2018 and prior work at Metro Inspections, LLC and Northwest Trustee Services. 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. The firm’s guidance is based on Charles Schwab & Co.’s asset-allocation models and research tools, with tailored recommendations aligned to clients’ goals and risk tolerance.

Darin Hood is a financial advisor with Principal Financial Services in Phoenix, AZ, holding a Series 66 designation and eight years of industry experience. Prior to joining Principal Securities Inc and Principal Life Insurance Company in 2018, he worked at Dignity Health and the City of Phoenix. Outside of his advisory role, he is an instructor for Arizona Defensive Firearms Training, a business focused on firearm education run by current and former law enforcement. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty military personnel. The firm offers financial planning, retirement plan consulting, and access to third-party money manager programs under various advisory and promoter arrangements.

Jeffrey Kluve is a CFP® with 25 years of industry experience, currently with Commonwealth Financial Network since 2023. He has previously worked at Prudential Annuities Distributors, Rogers & Kirby, and FireSky Financial Inc. He also owns JKFP LLC, an entity supporting 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 hundreds of thousands of clients. The firm offers 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.