Stephen Widmer Jr. is a financial advisor at First Command Advisory Services with 26 years of industry experience. He holds Series 63 and Series 66 designations and has worked at several firms, including OSAIC, Sagepoint Financial, and Sunamerica Securities. First Command Advisory Services, Inc. is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs, using a centralized Investment Management Team and Wealth Portfolio Managers to design and manage model portfolios with discretionary client authority.

Barbara Meola is a financial advisor with Stratos Wealth Partners, Ltd., holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. She has worked at Stratos Wealth Partners, LPL Financial, Wells Fargo Clearing, and Citigroup Global Markets. She is also the owner of Meola Consulting, a non-investment-related business. Stratos Wealth Partners, Ltd. is an SEC-registered enterprise adviser with approximately 379 advisors and $18.6 billion in assets under management, serving individuals, retirement plans, corporations, nonprofits, and institutional clients. The firm’s model is advisor-driven, offering discretionary and non-discretionary portfolio management through an open-architecture platform integrating multiple third-party managers and providing a range of financial planning and outsourced CIO solutions.

Aaron Vettraino is a financial advisor at United Planners Financial Services of America with 13 years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes roles at M. S. Howells & Co and The Vanguard Group, Inc. Outside of finance, he has been involved with AquaSafe Swim School for over a decade. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base through independent Investment Adviser Representatives. The firm manages approximately $12.77 billion in assets, primarily on a non-discretionary basis, and supports advisors through a limited-partnership ownership structure and formalized transition assistance.

Vanessa Garcia is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and having one year of industry experience. She has worked at Charles Schwab & Co., Inc. and Charles Schwab Bank since 2018, and her prior experience includes roles at Carmax, Sephora Inside JCPenney, Papered Kiss, and Fullscreen Inc. 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 investment guidance is based on internal research tools and asset-allocation models, with trade executions requiring client authorization.

Yikedes Zerihun is a financial advisor at Schwab Wealth Advisory with one year of industry experience. He holds the Series 66 designation and previously worked at Charles Schwab & Co., Inc., Upgrade, Inc., and other firms. Outside of his advisory role, Zerihun serves as a judge and organizer for Muay Thai competitions in Arizona with the USMTA organization. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance relies on standard asset-allocation models and internal research tools, with recommendations tailored to clients’ goals and risk tolerance.

Matthew Layman is a CFA® charterholder and holds a Series 66 license, currently serving as a financial advisor with Schwab Wealth Advisory, Inc. in Phoenix, AZ, with four years of industry experience. His prior roles include positions at Fidelity Investments and Charles Schwab & Co., Inc. 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 proprietary asset-allocation models and research tools to deliver tailored recommendations without exercising discretionary trading authority.

Thomas Seifert is a financial advisor with Stratos Wealth Partners, Ltd in Scottsdale, AZ, holding Series 63 and Series 65 licenses and having 47 years of industry experience. His prior roles include positions at Oppenheimer & Co., Waddell & Reed, and Piper Sandler & Co. He currently provides investment advisory services through Stratos Wealth Partners. Stratos Wealth Partners, Ltd is an SEC-registered enterprise advisory firm with approximately 379 advisors and $18.6 billion in assets under management. The firm serves a range of clients including individuals, retirement plans, corporations, nonprofits, and institutional clients, offering customized portfolio management through an open-architecture platform that integrates multiple third-party managers and includes financial planning and outsourced CIO solutions.

James Cummins is a financial advisor at First Command Advisory Services with six years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at The Vanguard Group and Wells Fargo. His background also includes self-employment in financial services prior to joining First Command. First Command Advisory Services is an SEC-registered investment adviser that serves individuals, corporate, and charitable clients, with a particular focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs featuring model portfolios constructed from mutual funds, ETFs, and third-party managed sleeves, with portfolio management centralized through an Investment Management Team and Wealth Portfolio Managers.

Steven Radonich is a financial advisor at Independent Financial Partners with 20 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Independent Financial Partners since 2018, following two years at First Western Trust. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement plan services through a nationwide network of independent advisers. The firm supports a multi-advisor platform serving tens of thousands of clients and is notable for its formal retirement-plan advisory and pension consulting capabilities.

Gayle Starr is a CFP® with 41 years of industry experience, currently serving at Commonwealth Financial Network since 2005. Prior to that, she worked at Ameritas Investment Company, LLC and The Advisors Group, Inc. Outside of her advisory role, she is president and owner of Starr Wealth Strategies, Inc., a private entity for operating a securities business, and president of Lin-Com, Inc., a fixed insurance business. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser supporting a national network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm provides adviser support through a range of managed-account programs, access to third-party asset managers, and custody and clearing services.

Austin Mc Donough is a CFP® professional with seven years of industry experience currently serving at Creative Planning in Gilbert, AZ. Prior to joining Creative Planning in 2022, he worked at Keystone Wealth Partners and Edward Jones. He also has a background with Liberty University. Creative Planning provides comprehensive wealth management, financial planning, and retirement-plan advisory services to a diverse client base that includes individuals, pension and profit-sharing plans, trusts, foundations, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies complemented by selective private market exposure and various tax-efficient strategies.

Mark Jones is a financial advisor with Carson Wealth in Scottsdale, AZ, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. His career includes roles at Geneos Wealth Management, Inc., Integrated Wealth Management, and Cetera Advisor Networks. Outside of his advisory work, he is also an insurance agent, discussing life, health, disability, annuities, and long-term care insurance. CWM, LLC operates an enterprise platform with over 650 advisors and approximately $50.6 billion in assets under management. The firm provides discretionary asset management, financial planning, and retirement plan services, employing an Investment Committee to construct model portfolios and offering tailored investment solutions through various third-party partnerships.

Ryan Heck is a financial advisor at Kestra Advisory with one year of industry experience. He holds Series 63 and Series 66 licenses. His prior roles include positions at Fullerton Financial Planning, Kingdom Financial Group, and Morgan Stanley. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base, including plan sponsors, institutional, and individual clients. The firm offers fiduciary consulting, plan design, compliance testing, employee education, and access to multiple management platforms, serving a range of clients from large institutions to sovereign wealth funds.

Alexandre Shappell is a CFP®-designated financial advisor with three years of industry experience, currently with Schwab Wealth Advisory in Phoenix, AZ. His prior experience includes roles at Goldbook Financial and work in education at Barrett, The Honors College. 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. The firm’s guidance is based on Charles Schwab & Co.’s asset-allocation models and internal research tools, with at-least-annual reviews tailored to each client’s goals and risk tolerance.

Michael Eitzen is a financial advisor at Oppenheimer with 39 years of industry experience. He has been with Oppenheimer since 1990 and holds Series 63 and Series 65 licenses. Outside of his advisory work, he serves as co-trustee alongside his mother in managing a personal trust. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, and charitable organizations, among others. The firm offers a broad range of investment and consulting services, including discretionary and non-discretionary management, with a notable portion of assets managed on a non-discretionary basis.

Vicente Iniguez is a financial advisor with Eagle Strategies (NY Life) based in Phoenix, AZ, holding Series 63 and Series 65 licenses and having 10 years of industry experience. He has been associated with New York Life Insurance Company and NYlife Securities LLC since 2015 and founded Albatross Financial Group in 2020. Iniguez is also a professional PGA member, participating in golf tournaments and charitable events. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm offers multiple program types and emphasizes tailored recommendations, with the majority of its assets under management held on a non-discretionary basis.

Michael Welborn is a CFP® professional with 26 years of industry experience, currently serving as a financial advisor at Integrated Wealth Concepts LLC since 2021. Prior to this, he spent over two decades at Northwestern Mutual in various wealth management and investment management roles. Outside of his advisory work, he is the owner of two real estate entities that support his financial services practice. Integrated Wealth Concepts LLC serves individuals, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, and family office services, employing customized portfolios that combine mutual funds, ETFs, equities, and fixed income with a primarily long-term investment approach.

Derek Mehlhorn is a CFP® and holds a Series 66 license with seven years of industry experience. He currently serves with Schwab Wealth Advisory and Charles Schwab, where he has worked since 2019. Prior to his financial advisory career, he was involved with Make-A-Wish Foundation International for six years. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm utilizes Charles Schwab’s asset-allocation models and internal research tools to offer tailored recommendations and typically recommends separately managed accounts by third-party or affiliated managers.

Charles Suarez is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 credentials and 13 years of industry experience. He has been with Schwab Wealth Advisory since 2023 and has worked at Charles Schwab since 2014. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses standard asset-allocation models and internal research tools, with recommendations tailored annually to clients' goals and risk tolerance.

Andrea Nelson is a financial advisor with United Planners' Financial Services of America, holding a Series 66 credential and 18 years of industry experience. Her prior roles include positions at Eide Bailly Securities and Investor Securities Group. Outside of finance, she has been a Jazzercise franchisee and fitness instructor since 2003. United Planners Financial Services serves a diverse client base including individuals, corporations, and institutional investors. The firm operates an open-architecture platform with multiple custodians and offers both fee-based and commission-based financial solutions through its network of independent advisors.