Eric Sin is a financial advisor at OSAIC with 37 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Sagepoint Financial, Inc. for 14 years. Sin is also associated with Mosaic Wealth Solutions, a marketing name for his office. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools, automated rebalancing, and access to third-party managers to construct portfolios across various asset classes.

Chris Howard is a financial advisor at LPL Financial with 24 years of industry experience. He holds the CFP® designation along with Series 63, 65, and 66 licenses. Howard has worked at both LPL Financial and Flagstar Bank N.A. since 2010. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, providing both discretionary and non-discretionary management supported by research and model portfolios.

Randall Murray is a financial advisor with Vanguard Advisers, holding a Series 66 designation and one year of industry experience. His prior roles include positions at Edward D. Jones & Co., L.P., Bankers Life and Casualty Company, and Zillow Closing Services. He is based in Scottsdale, AZ. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach utilizing proprietary models and predominantly Vanguard funds and ETFs, delivering services at scale through a combination of digital platforms and a large advisory team.

Maryse Marshall is a financial advisor at Merrill with 11 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill since 2015, including a role at Bank of America, N.A. since 2023. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Rosemary Altuna is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 39 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Kurt Watkins is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 66 designation and has nine years of industry experience. His prior experience includes seven years at Edward Jones and ongoing ownership of Athletic Vantage since 2006. Outside of financial advising, he competes in golf tournaments and participates in social events related to golf. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers tailored, non-discretionary planning and uses analytical tools to model potential outcomes, supporting clients through various advisory programs and partnerships.

Elise Oligmueller is a CFP®-certified financial advisor with 13 years of industry experience, currently serving at Vanguard Advisers since 2012. She holds Series 63 and Series 65 licenses and is based in Scottsdale, AZ. Vanguard Advisers offers both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach, primarily utilizing Vanguard funds and ETFs, and manages a large client base through its digital platform and extensive advisory team.

Glenn Pahnke is a financial advisor at Raymond James & Associates with 38 years of industry experience. He previously worked at City National Bank and RBC Capital Markets. He serves as chairman of the Boys & Girls Club of Metro Phoenix Foundation board of directors, where he oversees investment activities as a trustee. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, drawing on a range of portfolio management styles and affiliated research.

Christopher Hisle is a financial advisor at Robert W. Baird & Co. in Scottsdale, AZ, with 13 years of industry experience. He holds a Series 66 designation and has been with Robert W. Baird since 2013. Outside of his advisory role, Hisle operates a woodworking business, Scottsdale Design Co., where he builds furniture primarily for personal use and occasionally for friends and family. He is part of the DDK Group within Robert W. Baird’s Private Wealth Management department, serving individuals, corporate clients, pensions, and charitable organizations. The firm offers a range of services including financial planning, discretionary and non-discretionary portfolio management, and separately managed account programs, supported by internal research and advanced investment management tools.

Kyle Richard is a financial advisor at Vanguard Advisers with two years of industry experience. He holds the Series 66 and Series 63 designations. His work history includes roles at Longview Strategy Group, At&t, and PayPal, and he is involved with R&B Snack Solutions, LLC. He has also been affiliated with the University of Phoenix for eight years. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Personal Advisor services, serving retail investors and employer-sponsored retirement plan participants. The firm uses a goal-based, algorithm-driven approach with proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs, offering tax-aware and customizable investment options.

David Meyer is a financial advisor at OSAIC with 25 years of industry experience. He holds Series 63, 65, and 66 designations and has previously worked at Securities America Advisors and Legal Shield. In addition to his advisory role, he participates in philanthropic planning organizations and various business networking groups. OSAIC serves a diverse client base including individual and high-net-worth investors, retirement plans, corporations, and charities, offering brokerage and advisory services, financial planning, and access to third-party money managers and investment platforms. The firm employs asset-allocation tools, efficient-frontier analysis, and automated rebalancing to manage portfolios with a range of investment products.

Sergio Mejia is an International Wealth Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2016. He focuses on developing tailored financial strategies to help a select group of high-net-worth individuals, their families, and businesses achieve both short- and long-term goals. Sergio works collaboratively with clients' other trusted advisors in a consultative approach. Sergio holds a Bachelor of Science in Business Administration and a Bachelor of Arts in Communications from the University of Arizona and the Eller School of Management. He holds the Series 7 and 66 FINRA registrations and professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is fluent in English and Spanish. As a first-generation immigrant from Colombia, Sergio is actively involved in philanthropy and community organizations in the Phoenix area. He participates in the Hispanic Leadership Business Council at Bank of America, providing financial education and business resources to the Hispanic-Latino community. He is also a member of the Phoenix 20-30 Club and supports organizations such as the Aspiring Youth Academy, Boys and Girls Club, and Children in Need Foundation. Sergio lives in Scottsdale, Arizona with his wife Jackie and their son Diego, and enjoys cycling, golfing, and engaging in his church.

Carmen Valiquette is a financial advisor at Charles Schwab with seven years of industry experience. She holds the Series 66 designation and has worked at Charles Schwab and Charles Schwab Bank since 2017, with prior roles at ITWorks, Modis, and Wells Fargo. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account services. The firm offers both non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios, written advice policies, and access to alternative investments through a centralized, integrated wealth management platform.

Casey Bowman is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 65 and Series 63 licenses and eight years of industry experience. His prior roles include positions at Merrill, JPMorgan Securities LLC, and The Vanguard Group. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs. The firm manages a high volume of client relationships through its digital platform and team servicing model.

Dante Carbajal is a financial advisor at Charles Schwab with Series 66 and Series 63 licenses and two years of industry experience. He has held roles at Charles Schwab Bank, Charles Schwab & Co., Inc., and previously worked in various service and logistics positions. 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 services with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by centralized operational and supervisory structures.

Stuart Murray is a financial advisor at LPL Financial with 29 years of industry experience. He holds Series 63 and Series 66 licenses and has been with LPL Financial since 2009. Outside of his advisory role, he is involved in several business entities, including SMurray Enterprises LLC and a partnership in BDC Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, employing both discretionary and non-discretionary management strategies supported by research and model portfolios.

Kathryn Cocreham is a financial advisor with Morgan Stanley in Scottsdale, AZ, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. Her prior roles include positions at Solium Financial Services LLC, Oppenheimer & Co., and Charles Schwab. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning using firm-approved tools and models, with oversight from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and provides services under individual and corporate financial planning agreements.

Angela Turlington is a Series 66-licensed financial advisor with Morgan Stanley, where she has worked since 2019. She has two years of industry experience and previously worked in marketing and disability services. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers both direct and corporate financial planning services.

Cody Bowman is a financial advisor with Morgan Stanley in Scottsdale, AZ, holding Series 63 and Series 66 licenses and four years of industry experience. He has worked at Morgan Stanley since 2022 and at the Morgan Stanley Private Bank since 2023. Prior to that, he was with The Vanguard Group for one year and held marketing roles at Arkham Elite Marketing, Gotham Elite Marketing, and Champaign Elite Marketing. He also has a background at the University of Illinois. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients through a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and advisory processes designed to support client financial goals.

Joshua Hawkins is a CFP® with 11 years of industry experience, currently serving as a financial advisor at Vanguard Advisers in Scottsdale, AZ. He has worked with The Vanguard Group, Inc. since 2014 and holds Series 63 certification. Outside of his advisory role, Hawkins operates a small business selling vintage household items. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach, offering portfolios constructed mainly from Vanguard funds and ETFs with options for customization, serving a large client base through a scalable digital platform.