Mark Luna is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and 11 years of industry experience. He has been with Charles Schwab since 2015. Outside of advising, he owns a rental property through an LLC for liability protection. Charles Schwab 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 offers multi-asset model portfolios alongside a formal alternative-investment onboarding process.

Mingya Chan is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and seven years of industry experience. Prior to joining Charles Schwab, Chan worked at Cox Communications and Vidya Concepts. 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 relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence from the Schwab Center for Financial Research.

Aaron Howard is a financial advisor at LPL Enterprise with Series 63 and Series 65 licenses and four years of industry experience. His prior roles include positions at Delphi Wealth Partners, Prudential Insurance Company of America, and Pruco Securities LLC. He also works through Howard Wealth Advisors, an advisory firm specializing in asset management, insurance, tax planning, and estate planning. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm utilizes model-driven investment implementation and offers access to third-party asset managers and specialized programs.

Jace Hale is a financial advisor with RBC Capital Markets in Phoenix, AZ, holding Series 63 and Series 66 credentials and three years of industry experience. His work history includes roles at Morgan Stanley, Charles Schwab & Co., Inc., and prior to entering financial services, he worked at American Way Smokehouse and the Bureau of Landscape Management. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, tailoring strategies to clients' risk profiles through a combination of in-house and third-party investment managers.

Elizabeth Reilly is a financial advisor at Fidelity with 27 years of industry experience. She holds Series 63 and Series 66 designations and previously worked at Wells Fargo Clearing for five years prior to joining Fidelity. Strategic Advisers LLC, a Fidelity Investments company where she is based, provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory services.

Grant Peterson is a financial advisor at Ameriprise with 14 years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley Private Bank and Voya Financial Advisors. He serves on the Board of Directors for Aspiring Youth Academy and has been an active chair of the Phoenix 20-30 Club. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement who meet certain asset criteria, combining research and modeling with tax-efficient strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Garrett Storr is a Financial Consultant at Fidelity Investments, where he focuses on developing personalized financial strategies tailored to clients' unique goals. He aims to build holistic plans designed to support long-term success and peace of mind. Garrett has been with Fidelity Investments since 2021, progressing through roles as Financial Representative and Investment Consultant before his current position. He holds a California Insurance License. Outside of his professional work, Garrett is involved in family activities, hiking, military service, caring for pets, traveling, and volunteering.

Ari Clarke is a financial advisor at Charles Schwab with seven years of industry experience. He holds Series 66 and Series 63 designations and has been with Charles Schwab since 2018. Prior to that, he worked with the Sorrentino and Fowler families and has experience outside finance in the restaurant industry. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related services. The firm offers a combination of non-discretionary advisory recommendations and access to discretionary separately managed accounts, supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Montse Terepocki is a financial advisor with Cetera in Phoenix, AZ, holding Series 63 and Series 65 licenses and offering 12 years of industry experience. Her career includes roles at Wells Fargo Clearing, Wells Fargo Bank NA, and Foresters Financial Services, along with managing her own practice since 2017. Outside of advising, she is a notary. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, and institutional accounts through a nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services, utilizing multiple program structures and investment strategies.

Nikos Gutrugianios is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and possessing 22 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has prior experience at MSI Financial Services. Outside of his advisory role, he is involved in e-commerce through ownership of a business that sells products on Amazon, and he participates in real estate activities including property ownership and management. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The advisory process combines quantitative and qualitative research with a focus on Eligible Strategies and may incorporate ESG considerations.

Joseph Dever is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works directly with clients to develop personalized financial strategies focusing on retirement planning, investing, and long-term wealth management. Joseph provides comprehensive financial guidance and ongoing advice to help clients address their goals and adapt to changing needs. His expertise includes family wealth management strategies, personal retirement planning, portfolio management services, and tax minimization. Joseph emphasizes understanding what matters to his clients and their families to create tailored strategies that pursue their financial objectives. Joseph holds a Bachelor's Degree from Arizona State University and has earned the Personal Investment Advisor (PIA) designation. Outside of his professional work, he has interests in adventure sports, baseball, and boating.

Terry Barber is a financial advisor with Wells Fargo Clearing in Phoenix, AZ, holding a Series 66 designation and 16 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory work, he serves as a notary public. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm offers both brokerage and advisory solutions and manages roughly $671 billion in assets with more than 14,000 financial advisors.

Brian Carlin is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in areas including college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, and tax minimization. Brian holds the professional designation of Personal Investment Advisor (PIA) and earned a Bachelor's Degree from Arizona State University.

Lisa Campbell is a financial advisor at Ameriprise with 26 years of industry experience. She holds a Series 63 designation and previously worked for UBS Financial Services for 15 years before joining Ameriprise in 2022. Based in Phoenix, AZ, she has worked in both brokerage and advisory roles throughout her career. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, combining research, modeling, and tax-efficiency analysis to provide tailored recommendations. The firm serves a broad client base through a large institutional platform offering advisory, brokerage, and insurance solutions.

Michael Lyons is a financial advisor at J.P. Morgan Securities with 29 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, N.A. since 1998. He holds Series 63 and Series 66 designations. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary, written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a manager solutions team and includes capabilities in derivatives and commodities through affiliated entities.

Robert Nichols is a financial advisor with LPL Financial in Phoenix, AZ, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. He has worked at LPL Financial since 2001 and has also been affiliated with firms including Raymond James Financial Services Advisors and ONEAZ Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services through a large network of advisers, utilizing both proprietary and third-party strategies across discretionary and non-discretionary platforms.

Dennis Lumm is a financial advisor at Charles Schwab with 12 years of industry experience. He holds a Series 66 designation and has worked at various Charles Schwab entities since 2013, 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by the Schwab Center for Financial Research.

Robert Wade is a CFP® professional with 23 years of industry experience. He has been with LPL Financial since 2005. Wade also holds a role related to investments at Credit Union West. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions through a large network of adviser representatives. The firm offers a variety of advisory services, including financial planning and access to third-party asset management, supported by extensive operational and research tools.

Tyler Boxwell is a financial advisor with Edward Jones in Glendale, AZ, holding a Series 66 designation and nine years of industry experience. He has been with Edward Jones since 2017 and previously worked in full-time education for a year. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both high-net-worth and non-high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of financial advisors and branch offices, offering a range of discretionary and non-discretionary investment strategies along with affiliated mutual funds and tax-efficient services.

Robert Gershkowitz is a financial advisor at Cetera with 11 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities. He is also the co-founder of Allwealth Planning, a financial planning firm. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.