Marvella Cubit is a financial advisor with Wells Fargo Clearing in Phoenix, AZ, holding a Series 63 designation and eight years of industry experience. Her prior roles include positions at Charles Schwab and Cetera Advisors LLC. Outside of financial services, she has been involved with the music group Through and Through Gospel Review for over a decade. Wells Fargo Advisors is a national firm providing investment advisory, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and uses diversification principles and modern portfolio theory in its investment approach.

Errol Blackmon is a financial advisor at Merrill with nine years of industry experience and a Series 66 license. He has been with Merrill since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Richard Bonge is a financial advisor with Ameriprise in Phoenix, AZ, holding Series 65 and Series 66 licenses and 12 years of industry experience. He has been with Ameriprise and its predecessor entities since 2012, with a brief hiatus in 2020. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning focused on dependable income and tax-aware withdrawal strategies.

Brandon Whiteley is a Financial Consultant at Fidelity Investments, a role he has held since 2025. Prior to this, he accumulated experience at Fidelity Investments in various positions including Planning Consultant from 2024 to 2025, Relationship Manager from 2023 to 2024, and Financial Representative from 2022 to 2023. In his current capacity, he partners with clients to develop strategies and analyses tailored to their specific goals. Brandon holds insurance licenses in Arkansas and California. His approach centers on the personalized application of financial insights to assist clients in working toward their objectives. Outside of his professional activities, Brandon has interests in comedy, fitness, food, music, outdoor adventures, and volunteering.

Nicole Perez is a financial advisor at Charles Schwab with 8 years of industry experience. She has held positions at Merrill from 2010 to 2018 before joining Charles Schwab, where she has worked since 2018. Perez holds Series 63 and Series 65 licenses. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment solutions supported by centralized custody and operational infrastructure.

George Henderson is a CFP® with 10 years of industry experience, currently serving at Wells Fargo Clearing since 2021. His prior roles include positions at Comerica Securities and Charles Schwab, where he worked from 2014 to 2019. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory solutions. The firm’s investment approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its product offerings.

Jayden Rolstone Kobal is a financial advisor at Charles Schwab with three years of industry experience. He holds the Series 63 and Series 65 designations. His prior work includes roles at J.P. Morgan Securities LLC, Albertsons Companies, and Robinhood Financial. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of advisory, brokerage, custody, and cash-sweep services with both non-discretionary and discretionary investment options.

Christopher Harris is a CFP® with 25 years of industry experience, currently working at Morgan Stanley in Phoenix, AZ. His career includes roles at Bank of America and Merrill prior to joining Morgan Stanley's Private Bank and Smith Barney divisions. Outside of his advisory work, he is involved with Angel Seed Equity Holdings LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved tools.

Indumathi Anand is a financial advisor at Cetera with 23 years of industry experience and holds a Series 66 designation. She has worked with Cetera since 2025 and concurrently leads Anand Financial Services, which has operated since 2010. Prior to this, she was associated with Avantax Advisory Services and Avantax Investment Services for over two decades. Anand previously owned and managed Anand & Anand CPA P.C., a CPA practice sold in 2022, and currently provides advisory services related to accounting and tax matters during its transition. Cetera Investment Advisers LLC distributes its services through a large nationwide network of independent advisors, serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services, operating as a multi-manager platform with access to various investment managers and customized strategies.

Wayne Engebretson is a financial advisor with Edward Jones in Phoenix, AZ, holding Series 63 and Series 66 licenses and over 25 years of industry experience. He has been with Edward Jones since 2000. Outside of his advisory role, he is a member of Cornerstone LLC, a commercial property business in Red Lodge, MT. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Ramitesh Mathur is a financial advisor at Charles Schwab with eight years of industry experience. He has previously worked at The Vanguard Group and Bank of America. Mathur holds Series 63 and Series 66 designations. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and provides a range of integrated brokerage, custody, and advisory services.

Chin Chae is a financial advisor with Edward Jones in Laveen, AZ, holding Series 63 and Series 66 credentials and with 26 years of industry experience. He has been with Edward Jones since 2008. 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 solutions supported by a large nationwide network of advisors and branch offices.

Mirza Kevric is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at The Monolith Group and CHASE BANK. Kevric has been with J.P. Morgan Securities since 2022 and has a longstanding association with JPMorgan Chase Bank since 2016. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations through a non-discretionary program supported by in-house due diligence and ESG processes.

Shana Despres is a financial advisor with MassMutual Investors Services in Phoenix, AZ, holding Series 63 and Series 65 registrations and bringing 30 years of industry experience. Her prior work includes 13 years at Metlife Securities Inc. and a decade with MassMutual Life Insurance Company. She is also CEO and financial planner at Milestone Financial, LLC, where she provides financial advice and planning strategies. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charities, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, employing firm-approved software to develop collaborative, written recommendations.

John Burke is a financial advisor at Merrill with a Series 66 credential and three years of industry experience. His prior work includes positions at Bank of America, Malca-Amit Security Services LLC, EcoShield, Revana TTEC, and Best Buy. Merrill serves a broad range of clients—including individuals, retirement plans, corporations, and institutional clients—offering managed account programs, discretionary portfolio management, and brokerage execution and custody services. The firm employs multiple investment strategies and highlights tax-focused capabilities, supported by integration with Bank of America affiliates and a comprehensive capital-markets platform.

Robert Gage is a financial advisor with Morgan Stanley in Barrington, IL, holding a Series 66 designation and 22 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and modeling techniques.

Eric Sanger is a financial advisor at Charles Schwab with 17 years of industry experience. He previously worked at Sagepoint Financial, Inc. for eight years and OSAIC for one year. Outside of his advisory roles, he has been involved with Nature's Drop Essential Oil for ten years. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment review process.

Cooper Schmidt is a CFP® and holds a Series 66 license, with nine years of experience in the financial services industry. He is currently with Charles Schwab and Co., Inc., where he has worked for ten years and is also affiliated with Charles Schwab Bank, SSB. Prior to that, he spent four years at Lyft. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm operates a hybrid model combining non-discretionary advisory recommendations with access to affiliated discretionary SMA portfolios and centralized custody and order-routing arrangements.

Joshua Ardelean is a financial advisor at Charles Schwab with 16 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Charles Schwab since 2010, including roles at Charles Schwab Bank and OptionsXpress, Inc. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm provides both non-discretionary and discretionary investment management options, supported by multi-asset model portfolios and due diligence on alternative investments.

Lea El Ghandour is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Prior to joining Merrill in 2022, she worked at Arizona State University, The Black Sheep, and Salt River Project, with earlier experience in secondary education. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.