John Burke is a financial advisor at Merrill with a Series 66 credential and three years of industry experience. His prior work includes positions at Bank of America, Malca-Amit Security Services LLC, EcoShield, Revana TTEC, and Best Buy. Merrill serves a broad range of clients—including individuals, retirement plans, corporations, and institutional clients—offering managed account programs, discretionary portfolio management, and brokerage execution and custody services. The firm employs multiple investment strategies and highlights tax-focused capabilities, supported by integration with Bank of America affiliates and a comprehensive capital-markets platform.

Robert Gage is a financial advisor with Morgan Stanley in Barrington, IL, holding a Series 66 designation and 22 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and modeling techniques.

Eric Sanger is a financial advisor at Charles Schwab with 17 years of industry experience. He previously worked at Sagepoint Financial, Inc. for eight years and OSAIC for one year. Outside of his advisory roles, he has been involved with Nature's Drop Essential Oil for ten years. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients 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 guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment review process.

Cooper Schmidt is a CFP® and holds a Series 66 license, with nine years of experience in the financial services industry. He is currently with Charles Schwab and Co., Inc., where he has worked for ten years and is also affiliated with Charles Schwab Bank, SSB. Prior to that, he spent four years at Lyft. 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 operates a hybrid model combining non-discretionary advisory recommendations with access to affiliated discretionary SMA portfolios and centralized custody and order-routing arrangements.

Joshua Ardelean is a financial advisor at Charles Schwab with 16 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Charles Schwab since 2010, including roles at Charles Schwab Bank and OptionsXpress, Inc. 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 provides both non-discretionary and discretionary investment management options, supported by multi-asset model portfolios and due diligence on alternative investments.

Michael Loftus is a financial advisor with OSAIC based in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior roles include positions at American Portfolios Financial Services, Regal Investment Advisor, Regulus Advisors, and Woodbury Financial Services. Outside of his advisory work, Loftus serves on the Board of Directors for the Camelback Kiwanis Memorial Fund, a charity focused on educational scholarships. OSAIC Wealth serves a diverse client base including retail investors, high-net-worth households, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform featuring model-based asset allocation, portfolio optimization, discretionary managed strategies, and access to third-party money managers through a complex network of affiliated broker-dealers, RIAs, and asset management entities.

David Suess is a financial advisor at Charles Schwab with 20 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining Charles Schwab in 2020, he worked at USAA in various roles from 2007 to 2020. 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 a mix of non-discretionary and discretionary investment management supported by multi-asset model portfolios and centralized operational infrastructure.

Summer Darkis is a Series 66 licensed financial advisor with J.P. Morgan Securities, based in Surprise, Arizona. She has 12 years of industry experience, all with JPMorgan Chase Bank and J.P. Morgan Securities since 2014. 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 with client decision-making authority. The firm’s advisory process combines quantitative and qualitative research and includes broader derivatives and commodities capabilities.

Larry Osa is a financial advisor with Robert W. Baird & Co. in Peoria, AZ, holding Series 63 and Series 66 licenses and bringing 42 years of industry experience. His previous roles include 11 years at RBC Capital Markets before joining Robert W. Baird in 2019. Outside of his advisory work, he serves on the board of Sunshine Dog Rescue, where he helps establish intake and adoption policies. He is part of The DDK Group within Robert W. Baird’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and charitable organizations. The group offers tailored financial planning and portfolio management services, utilizing a range of strategies from traditional to non-traditional investments and providing both discretionary and non-discretionary management options.

Steven Selsky is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on creating personalized wealth management strategies that align with his clients' life priorities and financial goals. Steven's practice serves small business owners, employees of publicly traded companies, high net worth families, and professional athletes. He has expertise in areas including college education planning, family wealth management strategies, investment consulting for defined contribution plans, managing new wealth, portfolio management services, small business strategies, sports and entertainment, individual and corporate investment strategy, tax minimization, and retirement income. Steven holds a Bachelor's Degree from the University of Arizona and is a Personal Investment Advisor (PIA). Steven is a former professional athlete who transitioned into financial advising to help people receive proper financial guidance. He lives in Phoenix, Arizona, with his wife Brittany, their newborn daughter Emma, and their golden retriever Nala. Steven enjoys baseball, skiing, surfing, traveling, volleyball, watching movies, and spending time with his family.

Martha Landon is a financial advisor at Fidelity with 26 years of industry experience. She holds Series 63 and Series 65 credentials and has worked previously at The Vanguard Group and Bank of America. She is also a notary public in Phoenix, Arizona. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research and quantitative analysis to construct model portfolios from a broad range of mutual funds, ETFs, and ETPs.

Roy McClung is a financial advisor with Charles Schwab & Co., Inc. and holds Series 63 and Series 66 credentials. He has 30 years of industry experience, including prior roles at Strategic Staffing, USAA Investment Services Company, USAA Financial Advisors, Inc., TD Ameritrade, Inc., and Scottrade Inc. He is based in Phoenix, AZ. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset model portfolio approach supported by research and alternative investment options.

Hector De Jesus Ramos is a financial advisor at Charles Schwab with nine years of industry experience. He holds the Series 66 and Series 63 designations. His prior experience includes roles at The Vanguard Group, Uber, and Foresters Financial Services. 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 affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios alongside centralized custody and operational support.

Brandon Carlo is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, he held positions at Bank of America, Dutch Bros, Chipotle Mexican Grill, and Panda Express. He is a member of an LLC that manages a rental property with his father. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering both model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Rebecca Clark is a financial advisor with Charles Schwab, holding CFP® and ChFC® designations and over 20 years of industry experience. She previously worked at The Vanguard Group, Inc. for 11 years and has been with Charles Schwab & Co., Inc. since 2017. Clark is a member of the NAU Finance Advisory Council, where she mentors students and supports educational programs. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services, offering both non-discretionary and discretionary investment management with multi-asset model portfolios and access to alternative investments.

Christopher Ratka is a financial advisor at Charles Schwab with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Financial Engines Advisors L.L.C. and The Vanguard Group. Ratka is based in Phoenix, AZ. 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 both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and a centralized operational structure.

Paul Behnken is a financial advisor at Charles Schwab with 14 years of industry experience. He holds a Series 66 designation and has held positions at Robinhood Markets, Inc., Robinhood Financial, LLC, Bank of America, N.A., and Merrill. He is based in Phoenix, AZ. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of advisory, brokerage, custody, and financial planning services. The firm’s investment approach includes multi-asset model portfolios with strategic allocation and access to discretionary separately managed accounts through affiliated management.

Chandeep Chadha is a financial advisor at Charles Schwab with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various Charles Schwab entities since 2021. Prior to joining Schwab, Chadha held positions at TopGolf and Chipotle. Charles Schwab & Co., Inc. serves a large client base primarily consisting of 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 services and access to affiliated discretionary SMA portfolios, supported by centralized custody and operational systems.

Jorge Chavez Enriquez is a financial advisor with Fidelity in Phoenix, AZ. He holds a Series 66 designation and has one year of industry experience. His prior roles include positions at Merrill, Bank of America, Wells Fargo, Discover Financial Services, and Amazon. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to develop model portfolios using mutual funds, ETFs, and ETPs.

Kalonn Boyle is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and nine years of industry experience. His prior work includes roles at First Allied Securities, Inc. and BHF RG Capital Inc. before joining Charles Schwab in 2019. 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 multi-asset model portfolios alongside a formal alternative-investment onboarding process.