Crystal Cruz Mata is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and based in Phoenix, AZ. She has been in the industry since 2024, with prior experience at Velocity Tax Express and Crystal Cruz Financial Services. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering comprehensive financial reviews and investment recommendations using Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within Charles Schwab & Co., focusing on client-directed investment decisions with periodic reviews.

Benjamin Tod is a CFP® professional with eight years of industry experience, currently serving at Schwab Wealth Advisory Inc. since 2021. He has worked within the Charles Schwab organization since 2017 and has prior experience at Modis, Zocdoc, and Arizona State University. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem using standard asset allocation models and research tools, delivering advice without discretionary trading authority.

Tanner Dix is a CFP® with five years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. His prior experience includes roles at J.P. Morgan Securities and Robinhood Markets. Outside of financial advising, he owns a car rental business, Dix Turo LLC. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations including stocks, bonds, mutual funds, ETFs, and separately managed accounts. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

Rachel Costello is a financial advisor at Rockefeller Financial LLC with one year of industry experience. She holds the Series 66 designation and previously worked in roles outside the financial sector, including positions at PYG Therapy, Crossroads Preschool and Kindergarten, and Building Blocks. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, as well as institutional clients, retirement plans, foundations, and corporations. The firm offers a range of portfolio management and financial planning services, operating uniquely as both a registered investment adviser and broker-dealer, with capabilities that include securities transactions, variable insurance products, placement, and investment banking services.

Alexa Jones is a financial advisor with Schwab Wealth Advisory and holds a Series 66 designation. She has nine years of industry experience, including roles at Charles Schwab since 2016 and Charles Schwab Bank from 2017 to 2019. Jones is based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering services such as annual financial reviews and investment recommendations. Its approach involves standard asset allocation models and Schwab research tools, with clients retaining final trading decisions.

Michael Klarfeld is a financial advisor with Primerica Advisors in Scottsdale, AZ, holding the ChFC® and Series 63 designations and bringing 41 years of industry experience. He has been with Primerica Advisors since 1999 and maintains ongoing roles with Guardian Life Insurance Company and General American. In addition to his advisory work, he is involved with Kirshner & Klarfeld Financial Group, an insurance and financial services firm focusing on life, disability, and long-term care insurance. Primerica Advisors is an enterprise-level firm serving a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers both brokerage and advisory services, utilizing proprietary model portfolios alongside third-party managers and digital advice solutions.

Bruce Meyer is a financial advisor with Beacon Pointe Advisors, LLC in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Beacon Pointe Advisors since 2020 and has concurrently served as a licensed insurance agent at Beacon Pointe Insurance Services, LLC since 2011. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse client base, including individuals, institutions, charitable organizations, and retirement plans. The firm employs a manager-of-managers approach using a proprietary Focus List and combines active and passive strategies, supported by formal due diligence and ongoing performance monitoring.

Brent Sayler is a CFP® with six years of industry experience, currently serving as a financial advisor at Allworth Financial, L.P. in Phoenix, AZ. He previously worked at The Vanguard Group, Inc. and operated his own advisory practice before joining Allworth Financial. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio management using a variety of model strategies, including core-satellite, index allocations, and options-based overlays, and operates a specialized Airline division focused on airline industry employees.

Glen Mc Dowell is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and five years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2021 and previously worked at Merrill and Yelp. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using standard asset allocation models and Schwab research tools. The firm offers annual financial reviews and investment recommendations while leaving final trading decisions to clients.

Jaron Carmichael is a financial advisor with Mercer Global Advisors Inc. in Scottsdale, AZ, holding CFP®, PFS™, and Series 65 credentials and bringing 17 years of industry experience. Prior to joining Mercer, he operated Rowland Carmichael Advisors, Inc. for 13 years. Outside of advisory roles, Carmichael is a CPA who owns and operates a tax preparation business. Mercer Global Advisors provides investment advisory and planning services to individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm employs a Modern Portfolio Theory-based approach with globally diversified, risk-appropriate portfolios and offers a range of implementation options and affiliated service lines.

Hugo Meraz is a CFP® with 19 years of industry experience and currently works at Mariner. His prior roles include positions at Ultra Financial Partners, Claraphi Advisory Network, and Annexus Group. He serves as chairperson of the City of Scottsdale Public Safety Personnel Retirement System. Mariner provides investment management, financial planning, and retirement plan consulting to a diverse client base, including high-net-worth individuals, pension plans, trusts, and charitable organizations. The firm employs discretionary, customized portfolios supported by in-house research and third-party managers, with a notable integration of tax and accounting services uncommon among large advisory enterprises.

James Marsh is a financial advisor with United Planners' Financial Services of America and holds the Series 63 and Series 66 licenses. He has 13 years of industry experience and has worked in roles including mortgage loan originator and insurance producer. His prior experience includes positions at Rocket Mortgage and Amazon.com. United Planners Financial Services is a national wealth-management enterprise with approximately $12.77 billion in assets under management and over 350 advisors serving a diverse client base that includes individuals, retirement plans, corporations, and institutional clients. The firm offers advisory and brokerage services delivered through independent representatives and emphasizes a mix of custodians and third-party managers to implement investment strategies, with a majority of assets managed on a non-discretionary basis.

Austin Fetch is a CFP® with 10 years of industry experience, currently advising at AE Wealth Management, LLC. His prior roles include positions at Charles Schwab and Ameriprise Financial Services, Inc. He also serves as an advisor for Dare To Retire U, where he teaches financial education classes. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base, including individuals, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers model portfolio solutions, discretionary asset management, financial planning, and plan services through a platform that combines multiple model strategies and advisor customization.

Chris Anoya is a CFA® charterholder with 13 years of industry experience. He has worked at Fisher Investments for 11 years and Fidelity Investments for 2 years before joining Schwab Wealth Advisory Inc. and Charles Schwab in 2025. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools to recommend investment allocations while leaving final trading decisions to clients.

Zackary Meier is a financial advisor at Schwab Wealth Advisory with two years of industry experience. He holds a Series 66 designation and has previously worked at Charles Schwab Bank, Charles Schwab & Co., Inc., The Boeing Company, Glendale Union High School District, and served in the Arizona Army National Guard. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations using Schwab’s asset allocation models and research tools.

Barry Cook is a financial advisor with Eagle Strategies (NY Life) based in Phoenix, AZ. He holds the ChFC® and Series 63 designations and has 42 years of industry experience, including long-standing roles at NYLife Securities LLC and New York Life Insurance Company. Eagle Strategies serves a diverse client base, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated representatives. The firm offers a variety of advisory programs tailored to individual and institutional clients, with an emphasis on non-discretionary asset management and integrated solutions involving insurance and annuity products.

Renee Wilkinson is a financial advisor with AE Wealth Management, LLC in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. She has worked primarily with 360 Wealth Management, Inc. from 2007 to 2024 before joining AE Wealth Management in 2026. Beyond her advisory work, she has been involved with Arizona Realty One Group since 2006. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base, including individual households, corporations, trusts, and ERISA plan sponsors. The firm uses a variety of investment strategies and model portfolios, managing approximately $49.8 billion for over 127,000 clients through its platform and standardized services.

Jasmine Lee is a CFP®-designated financial advisor with Schwab Wealth Advisory, Inc. in Phoenix, AZ, bringing four years of industry experience. Her career includes roles at Charles Schwab & Co., Morgan Stanley, Merrill Lynch, and Navy Federal Credit Union. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Schwab's proprietary research tools and asset allocation models.

Robert Bowen is a financial advisor at Schwab Wealth Advisory with 23 years of industry experience. He holds a Series 66 designation and has worked previously at USAA Investment Management Company and USAA Financial Advisors Inc. Bowen operates out of Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm uses Schwab’s research tools and standard asset allocation models, with final trading decisions made by clients.

Michael Peterson is a CFP® with nine years of industry experience, currently serving at Integrity Alliance, LLC. He has previously worked at Impact Wealth Management LLC and Bankers Life Advisory Services, Inc. In addition to his advisory role, Peterson engages in insurance brokerage through Key Retirement Solutions, providing clients with insurance gap solutions. Integrity Alliance is a large advisory enterprise with over 300 independent advisors managing approximately $5.4 billion in assets, offering a range of portfolio management, financial planning, and brokerage services to individual investors, corporations, and qualified retirement plans.