Keith Erickson is a financial advisor with Charles Schwab, holding Series 66 and Series 63 licenses and bringing nine years of industry experience. He has worked at Charles Schwab since 2017 and was previously employed at Jones Lang LaSalle for 15 years. He is based in Phoenix, AZ. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. Schwab’s approach combines non-discretionary advisory guidance with access to discretionary separately managed accounts and utilizes multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Matthew Pontes is a financial advisor with Cambridge Investment Research Advisors in Phoenix, AZ, holding a Series 65 designation and 14 years of industry experience. His prior roles include positions at BDT & Associates and Cambridge Investment Research, Inc. He is also an independent insurance agent and a limited partner involved with Amber Farms LLC, participating in recommendations to the general partner. Cambridge Investment Research Advisors serves a diverse range of individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base through thousands of financial professionals and utilizes multiple platforms and proprietary model strategies.

Dat Pham is a financial advisor with Fidelity Investments in Peoria, AZ, holding a Series 66 designation and five years of industry experience. Prior to joining Fidelity, he worked at Wells Fargo Bank and Wells Fargo Clearing. Outside of his advisory role, he works as an independent contractor driving for Uber. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients through a process that combines fundamental research, quantitative analysis, and systematic portfolio construction using mutual funds, ETFs, and ETPs. The firm is noted for its registration as a commodity pool operator, advisory role to multiple registered investment companies, and use of algorithmic methods in research.

Thomas Moran is a financial advisor at Cambridge Investment Research Advisors with nine years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at AXA Advisors, LLC. Moran is also involved in independent insurance sales and financial planning through his other business activities. Cambridge Investment Research Advisors serves a diverse client base, including individuals, institutions, pension funds, and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services. The firm operates through thousands of financial professionals and manages a multi-billion dollar asset base, providing access to multiple platforms, third-party advisers, and proprietary model strategies.

Daren Frankeberger is a Senior Financial Advisor at Merrill Lynch Wealth Management, based in the Phoenix office since 1998. He holds a bachelor's degree in Economics and Communications from Northern Illinois University. Daren’s professional credentials include the Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA) designations. With expertise in retirement and estate planning, Daren focuses on helping clients establish and pursue their long-term financial goals. His client services include college education planning, family wealth management strategies, legacy planning, and socially responsible investing, among other specialized areas. Daren resides in the Phoenix area, where he enjoys hiking, tennis, music, reading, and running with his family.

James Cook is a financial advisor at Edelman Financial Engines with 19 years of industry experience. He holds the Series 66 designation and previously worked for THE Vanguard Group, Inc. for 10 years. Outside of his advisory role, he owns Willa Dean Farms, LLC, a web-based retail business selling goat milk soap products. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and serves a large client base through advisor-led and online platforms.

Candice Jones is a financial advisor at Fidelity with eight years of industry experience. She holds Series 63 and Series 66 designations. Prior to joining Fidelity, she worked at The Vanguard Group, Inc. from 2017 to 2021. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from a universe of mutual funds, ETFs, and ETPs.

Celine French is a financial advisor at Edelman Financial Engines with two years of industry experience and holds a Series 65 designation. She has worked at Edelman Financial Engines and its predecessor firm since 2024, and previously held roles outside the financial industry, including as a realtor and positions at AGC Multi Material America and Vuori. She is currently a realtor with Omni Homes International. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven proprietary modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary investment management with an emphasis on diversified portfolios and long-term strategies.

Darren Desmond is a financial advisor at UBS Financial Services with 35 years of industry experience. He has been with UBS since 2000 and holds the Series 66 designation. Outside of his advisory role, he is connected to a small family-owned mushroom farm in Pennsylvania, although he is not involved in its operations. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and provides proprietary research and a wide range of capital markets services.

Kari Kibby is a Series 66 credentialed advisor with 20 years of experience at Thrivent Investment Management and Thrivent Financial For Lutherans. She is based in Surprise, Arizona, and has worked with these firms since 2006. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based analyses and written recommendations across various planning topics, with options to combine planning with managed-account programs under a consolidated billing structure.

Jason Edwards is a financial advisor with Fidelity, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Thrivent Financial, Fidelity Brokerage Services LLC, and Public Square LLC. Fidelity’s Strategic Advisers LLC, where he is affiliated, provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, delegation to sub-advisers, and advisory roles to multiple registered investment companies.

Joshua Latimer is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 license and 13 years of industry experience. He has been with Charles Schwab since 2012 and also works with Charles Schwab Bank since 2025. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios, formal alternative-investment due diligence, and integrated custody and order-routing services.

Amelia Garcia is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and eight years of industry experience. She has worked with Charles Schwab and Charles Schwab Bank since 2018 and 2019, respectively, following her time at Indiana University. 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 discretionary separately managed accounts and offers multi-asset model portfolios alongside alternative investment options.

Matthew Hall is a financial advisor with J.P. Morgan Securities, holding the CFP® and CFA® designations, and has 16 years of industry experience. He has been with J.P. Morgan Securities since 2013 and has also worked at JPMorgan Chase Bank, N.A. since 2017. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative screening and qualitative research to build model asset allocations, with an emphasis on eligible strategies and ESG considerations.

Spencer Regis is a Financial Consultant at Fidelity Investments, a role he has held since 2025. He has developed his expertise through progressive positions at Fidelity, beginning as a Customer Relationship Advocate in 2021 and advancing through roles including High Net Worth Associate, Investment Solutions Representative at multiple levels, and Planning Consultant. Throughout his career at Fidelity Investments, Spencer has focused on understanding the unique financial goals of individuals and families. He collaborates closely with clients to develop personalized financial plans that reflect their specific situations and aspirations. Spencer holds insurance licenses in Arkansas and California. Outside of his professional work, he has interests in cars, movies, outdoor adventures, skiing, and traveling.

Max Dembow is a CFP® professional with 13 years of industry experience, currently serving at MassMutual Investors Services. He has been with MML Investors Services LLC and MassMutual Life Insurance Company since 2015. Outside of his advisory role, Dembow is involved in business coaching focused on continuity, succession, and exit planning, and he hosts webinars to coach financial advisors on comprehensive financial planning. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm’s approach involves collaborative annual financial planning engagements using firm-approved software and tools to analyze client goals and recommend investment strategies.

Caitlin Pollard is a financial advisor at Merrill with 15 years of experience, including 10 years in the industry. She holds a Series 66 designation and has been with Merrill since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of model-based and discretionary investment strategies supported by internal and third-party managers.

Monika Agarwal is a Financial Advisor at Merrill Lynch Wealth Management in Phoenix, Arizona. She provides customized advice across nine critical pillars of wealth, including tax minimization strategies, executive compensation, estate disposition, family governance, philanthropy, behavioral science, cyber, and personal passions and pursuits. Monika guides highly successful individuals, entrepreneurs, business owners, and senior executives in creating comprehensive wealth management plans aimed at optimizing and preserving wealth across generations. With 18 years of experience in commercial banking combined with investment management expertise, Monika focuses on areas such as pre-transaction advisory, liquidity management, asset acquisition lending, trust and estate planning, customized investment portfolios, and banking services through Bank of America. She holds the Series 7 and Series 66 FINRA registrations and the Personal Investment Advisor (PIA) designation. Monika's educational background includes a Bachelor's degree from the University of Minnesota, a Master's degree from San Francisco State University, and a High School Diploma from North High School. Monika is fluent in Hindi and English and participates in professional and community organizations including the Astia Committee, Private Directors Association, and Valley of the Sun United Way. Raised in India, she enjoys international travel, supports the arts, and values spending time with family and friends.

Melissa Rosa Rodriguez is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. She has previously worked at JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, and Bank of America, N.A. Outside of her advisory role, she is involved with Sol Y Sazon Seasonal Kitchen LLC. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients using model-based and discretionary strategies developed by internal and third-party investment teams. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations, offering portfolio implementation that includes strategic asset allocation and tax-aware options.

Chelsea Faiva is a financial advisor with Ameriprise in Mesa, AZ, holding a Series 66 designation and three years of industry experience. She has worked at Ameriprise and its related entities since 2016, and previously was with Wren & Ivory from 2015 to 2021. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets, delivering detailed, algorithm-assisted recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions typical for a large institutional provider.