Martin Czerwonka is a financial advisor at Schwab Wealth Advisory with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at USAA Financial Advisors and USAA Investment Services Company. Outside of his advisory work, he manages a cabin rental through Airbnb on a limited basis. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab’s asset-allocation models and research tools. The firm typically recommends separately managed accounts and does not exercise discretionary trading authority.

Harley Eisner is a financial advisor at Empower Advisory Group in Phoenix, AZ, holding Series 63 and Series 65 designations with 23 years of industry experience. His prior roles include positions at ING Funds Distributor and John R. Flynn CPA, P.C. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage account holders, delivering services through integrated recordkeeping and administrative platforms.

Brian Hughes is a financial advisor with Schwab Wealth Advisory holding a Series 66 designation and nine years of industry experience. He has worked at Charles Schwab & Co., Bank of America, and Merrill Lynch. Hughes is based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab–referred clients. The firm’s advice follows Schwab’s asset-allocation models and internal research, with trades executed only upon client authorization.

David Baratta is a financial advisor at Mercer Global Advisors Inc. in Phoenix, AZ, holding a Series 65 designation with 20 years of industry experience. He was previously with Waypoint Capital Advisors for 19 years before joining Mercer in 2024. 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 focused on globally diversified, risk-appropriate portfolios with multi-factor tilts, offering a range of investment implementation options and complementary financial planning and consulting services.

Anne Sailer is a ChFC® credentialed financial advisor with 23 years of industry experience. She currently works at Schwab Wealth Advisory, Inc., where she has been since 2019. Prior to that, she held various roles at USAA financial entities from 2007 through 2019. Outside of financial advising, she is an author publishing non-financial books, including journals and how-to guides, on platforms such as Amazon and Audible. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients in the Schwab Wealth Advisory program. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and internal research tools, with recommendations tailored to each client’s goals and risk tolerance.

Benjamin Shannon is a CFP® with nine years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory since 2025. He has been with Charles Schwab in various roles since 2017 and previously worked at Tyler Allen Law Firm. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab’s proprietary asset-allocation models and research to tailor recommendations based on individual goals and risk tolerance.

Rebecca Kennell is a CFP® professional with 25 years of experience in the financial services industry. She has been with Commonwealth Financial Network since 2004. Outside of her advisory role, she is involved in music and entertainment as a consultant and owns Musica, LLC, a concert production and support company. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides advisory programs, wealth management, and retirement plan consulting, supporting advisors with operations, trading, technology, investment management, compliance, and practice management.

Eddie James is a financial advisor at Brookstone Capital Management LLC with six years of industry experience. He holds the Series 66 designation and has worked at several firms including Raymond James and Spring Venture Group. In addition to his advisory role, he is involved in insurance sales. Brookstone Capital Management is an SEC-registered adviser that provides fee-based asset management and financial planning through a turnkey asset management platform and wrap-fee program. The firm serves a broad client base including individuals, retirement plans, corporations, charitable organizations, other registered investment advisers, sovereign wealth funds, and banking or thrift institutions.

Cole Bialek is a financial advisor at Schwab Wealth Advisory, holding Series 63 and Series 66 licenses with three years of industry experience. His background includes roles at Schwab Wealth Advisory Inc., Charles Schwab, The Porch, and Rufenacht Commodities, among others. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program as well as certain Charles Schwab & Co.-referred clients. The firm uses standard asset-allocation models and internal research tools to deliver tailored recommendations, with trades executed only upon client authorization.

Jacob Nordquist is a CFP® with three years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. in Phoenix, AZ. He has been with Schwab Wealth Advisory since 2025 and has previously worked at Charles Schwab & Co., Inc. Outside of finance, he has experience working in the restaurant industry, including time at Gen Korean BBQ and PK Shabu. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is guided by Schwab's internal research and standard asset-allocation models, with a focus on tailored recommendations and client authorization for trades.

Siobhan Collins is a CFP®, ChFC®, and holds a Series 63 registration with 12 years of industry experience. She currently works at Wealth Enhancement Advisory Services, LLC and previously spent eight years at The Vanguard Group, Inc. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and employs a diversified, risk-class based investment approach that blends passive and active managers, overseen by an internal Investment Committee.

Jeffrey Withrow is a CFA® charterholder based in Scottsdale, AZ, affiliated with RBC Rochdale, LLC. He has 17 years of industry experience, including roles at CNR Securities, LLC and Curian Capital, LLC. Outside of his advisory work, he co-manages a short-term rental property in Scottsdale through JW2 Capital, LLC. RBC Rochdale serves a diverse client base, including high net worth individuals, institutions, and government entities. The firm employs an active, multi-strategy investment approach combining quantitative and fundamental analysis to tailor portfolios across equity, fixed income, real assets, and alternative investments.

Joshua Lawson is a financial advisor at Focus Partners Wealth, LLC with 13 years of industry experience. He holds a Series 66 designation and has worked previously at Churchill Management Group, Charles Schwab & Co., Inc., TD Ameritrade Investment Management, LLC, TD Ameritrade, Inc., and Merrill. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients, offering a range of wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach that combines active and passive strategies within an enhanced open architecture framework.

Michael Gobbato is a financial advisor with TIAA-CREF, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and USAA Financial Advisors. Outside of his advisory work, he serves as COO of Ambitious Stryk LLC, a soccer clothing vendor involved in a yearly soccer tournament. TIAA-CREF Individual & Institutional Services provides financial planning and discretionary managed account programs to individuals, trusts, estates, and corporate entities, often serving clients connected to TIAA-administered retirement plans. The firm offers a range of advisory services that separate point-in-time financial planning from ongoing portfolio management, including customized and model-based investment strategies.

Abigail King is a financial advisor at Schwab Wealth Advisory with two years of industry experience. She holds a Series 66 designation and has worked at Charles Schwab since 2023. Prior to her advisory role, she was involved in education and operated the Learn 2 Rip Surfing and Ocean Academy. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, offering non-discretionary fiduciary investment advice, financial planning, and point-in-time wealth management consultations. The firm’s guidance relies on Schwab’s asset-allocation models and internal research tools, with client authorization required for all trades.

Marc Braden is a financial advisor with Eagle Strategies (New York Life) based in Phoenix, AZ. He holds the Series 63 and Series 65 credentials and has 24 years of industry experience. Braden has been with Eagle Strategies since 2012 and with New York Life since 2001. Eagle Strategies serves a diverse client base including individuals, institutional investors, and plan sponsors, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and primarily manages assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Craig Liguori is a financial advisor with First Command Advisory Services in Phoenix, AZ, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at Bank of America, Merrill, and Edward Jones. Outside of his advisory work, he is a contracted driver for Lyft and a part-time operator for Uber. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and wrap-fee asset management programs managed by a centralized Investment Management Team, emphasizing in-person financial coaching and an employee-ownership structure.

Cheryl Bodwin is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has been with Charles Schwab and its affiliated entities since 1999, including 14 years specifically at Schwab Wealth Advisory. Outside of her advisory role, she owns a rental property in Peoria, Arizona. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program as well as select Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice and wealth management consultations. The firm’s advice is based on Schwab’s standard asset-allocation models and internal research, with recommendations tailored to client goals and risk tolerance.

Kerry Tanner is a Certified Financial Planner® with 45 years of industry experience, currently serving at Independent Financial Group, LLC since 2005. He has operated his own practice under his name since 1999. In addition to his advisory role, he works as an insurance agent offering life, health, and long-term care insurance, and provides tax preparation and bookkeeping services as an independent contractor. He is also active as a volunteer board member for a homeowners association. Independent Financial Group, LLC provides investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate and pension plans, and charitable organizations. The firm utilizes firm- and third-party investment models to create customized client strategies, combining passive and active asset management across various risk profiles.

Soren Van Houten is a CFP® credentialed advisor with five years of industry experience, currently serving at Schwab Wealth Advisory. He previously worked at The Vanguard Group and has a background that includes roles in financial services and education. Outside of his advisory work, he operates an e-commerce business selling clothing through Mercari and eBay. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on proprietary asset-allocation models and internal research, with trades executed only upon client authorization.