Amberly Smith is a financial advisor at Charles Schwab with nine years of industry experience and holds a Series 66 credential. She has worked at Charles Schwab & Co., Inc. since 2016. 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. The firm offers a combination of non-discretionary advisory models alongside discretionary separately managed accounts, supported by multi-asset model portfolios, formal alternative investment processes, and integrated custody and brokerage services.

Walter Mack is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 65 and Series 63 licenses and having nine years of industry experience. He previously worked at USAA in various financial planning and investment management roles from 2014 to 2020 before joining Charles Schwab in 2020. 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 offers both non-discretionary advisory relationships with periodic recommendations and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Robin Allen is a financial advisor at UBS Financial Services with 46 years of industry experience. He has been with UBS since 1979 and holds Series 63 and Series 65 licenses. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor financial plans.

Stephanie Morales is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. She has worked at Cetera since 2019, including Cetera Wealth Services, and previously spent 19 years with Cuna Mutual Group. Morales is also the recording secretary for the Madison Traditional Academy Guild, an educational nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and provides access to multiple program structures and third-party managers.

Herman Lewkowitz is a financial advisor with Cetera, holding Series 63, 65, and 66 registrations and bringing 22 years of industry experience. He has worked at Cetera and affiliated entities since 2017 and previously held a position at First Fidelity Bank. Lewkowitz serves as a board member and vice president of the Child Crisis of Arizona Foundation, overseeing its endowment, and volunteers with local charity events through The Thunderbirds. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a network of over 10,000 independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management, financial planning, and consulting services through multiple program structures and a multi-manager platform.

Cody Hall is a financial advisor at Charles Schwab with 17 years of industry experience. He has held Series 63 and Series 66 licenses and has been with Charles Schwab since 2008. Based in Phoenix, AZ, he provides advisory services within one of the largest and most established firms in the sector. Charles Schwab & Co., Inc. serves a large client base including 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 guidance, using multi-asset model portfolios, alternative investment due diligence, and integrated custody and brokerage services.

Michael Perk Navarro is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and 24 years of industry experience. He has worked with various entities within the Charles Schwab organization since 1998, including Charles Schwab Trust Bank and Charles Schwab Premiere Bank. 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 offers both non-discretionary and discretionary investment options and combines centralized supervisory and custody services with multi-asset model portfolios and alternative investment programs.

Jeffrey Hyman is a financial advisor at Charles Schwab with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and Charles Schwab Bank since 2011 and 2014, respectively. Based in Phoenix, AZ, he operates within one of the largest firms in the industry. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management, financial planning, and brokerage services within an integrated operational framework.

Breese Pritchard is a financial advisor at Fidelity with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at various Fidelity entities since 2003. Outside of his advisory work, he volunteers with Junior Achievement in Phoenix, presenting financial education material to students. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that integrates fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of investment solutions including model portfolios and fund advisory services.

Demetrius Warren is a financial advisor with Cambridge Investment Research Advisors in Phoenix, AZ, holding Series 66 and Series 63 licenses with three years of industry experience. His prior roles include positions at Thrivent Financial, American Express, Merrill, and founding marketing firms such as Dream Chasers Marketing LLC. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers a range of financial planning and investment management services delivered through independent financial professionals using both proprietary and third-party strategies.

Robert Boschee serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in developing strategies and providing investment guidance for individuals, families, and businesses by understanding their short- and long-term financial objectives. Bob has been involved in the financial services industry since 1988 and joined Merrill Lynch Wealth Management in 1998. He holds the Chartered Financial Analyst® designation awarded by the CFA Institute and the Personal Investment Advisor (PIA) designation. His professional roles have included serving as president of the Phoenix Chartered Financial Analyst Society and as a past executive board member and treasurer of the Arizona State University Alumni Association. He is also a member of Class 32 of the Phoenix Valley Leadership Institute. Bob earned his Bachelor of Science degree in Justice Studies and a Master of Business Administration with a concentration in Finance from Arizona State University. Outside of his professional work, Bob raises funds through cycling events to support organizations such as the Operation Hero Project and The Knights of Heroes. He resides in Central Phoenix with his wife Lynne and their two sons, Jack and Ben, and enjoys coaching, biking, golfing, skiing, and spending time with his family.

Andrew Kovalcik is a financial advisor at Edelman Financial Engines with 11 years of industry experience. He holds a Series 66 designation and has worked at Financial Engines Advisors L.L.C. since 2017, following prior roles at Bank of America and Merrill from 2014 to 2017. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub-advisory services, and supports a large client base through both advisor-led and online platforms.

Roland Ho Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Cambridge Investment Research and Royal Alliance Associates. Outside of his advisory role, he is also a Hawaiian lomi practitioner. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools for research and operations.

Abigail Toye is a financial advisor at Edelman Financial Engines with eight years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Financial Engines Advisors LLC, Cetera, and Foresters Financial Services. Her prior roles include positions outside of finance, such as with the Southwest Speech and Debate Institute and educational institutions in Phoenix, AZ. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines proprietary modeling with planner delivery and online tools, offering both discretionary and non-discretionary investment options focused on diversified portfolios and long-term management.

Brendan Trossen is a Wealth Management Advisor with Merrill Lynch Wealth Management. He holds the professional designations of CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Brendan provides financial guidance and wealth management services to clients through Merrill Lynch. He earned a Bachelor's Degree from The College of William and Mary. Brendan’s expertise includes comprehensive financial planning and investment advisory services consistent with his professional certifications.

Lisa Villarreal is a financial advisor with Cetera based in Phoenix, AZ, holding Series 63 and Series 66 credentials and 24 years of industry experience. She has worked with multiple Cetera entities since 2017 and previously was affiliated with First Allied Securities, Inc. and Girard Securities, Inc. Outside of her advisory role, she serves as an executor on a family will. Cetera Investment Advisers LLC is an SEC-registered adviser that offers services through a nationwide network of independent advisors, serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm provides a multi-manager platform with various portfolio management and financial planning options, encompassing discretionary and non-discretionary strategies and access to affiliated and third-party managers.

Evan Schuetze is a financial advisor at Robert Baird & Co. with six years of industry experience. He previously worked at Merrill for four years and has a background that includes three years at Grimaldi's Pizzeria. Evan holds the Series 66 designation and is based in Phoenix, AZ. He is part of the DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and institutional clients. The group offers financial planning, portfolio management, and brokerage services tailored to client goals, utilizing a range of investment strategies and overlays.

Derek Marquardt is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. His prior roles include positions at The Vanguard Group, Opendoor Labs Inc., and Grand Canyon University. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management with integrated brokerage, custody, and financial planning services.

Andrew Nelsen is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 credential and three years of industry experience. His work history includes roles at Charles Schwab Bank and Charles Schwab, as well as prior experience in construction products, fitness, and education. 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. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by centralized custody and operational infrastructure.

Christopher Hilyer is a financial advisor with Raymond James Financial Services Advisors, Inc. in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He previously worked at MML Investors Services LLC and MassMutual Life Insurance Company before joining Raymond James in 2019. Outside of advisory work, he is a partner at Heritage Wealth Solutions, LLC, where he shares responsibilities for advisory services and portfolio management, and he owns Heritage Insurance Solutions, LLC, which produces non-variable insurance products. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutions. The firm’s approach involves tailored, non-discretionary planning and investment consulting using risk profiling and analytical modeling, with additional capabilities in municipal finance and specialized advisory programs.