Marcia Ramos is a financial advisor with Stratos Wealth Partners, Ltd in Scottsdale, AZ, holding Series 63 and Series 65 licenses and 14 years of industry experience. Her prior roles include positions at LPL Financial and Wells Fargo Clearing. Ramos also maintains a notary commission in Arizona. Stratos Wealth Partners, Ltd is an SEC-registered enterprise firm with approximately 379 advisors and $18.6 billion in assets under management. The firm serves a diverse client base including individuals, retirement plans, corporations, nonprofits, and institutional clients, offering comprehensive investment management and financial planning through an open-architecture model that integrates multiple third-party platforms and managers.

Mitchell Everitt is a financial advisor with Oppenheimer, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Oppenheimer since 2008 and previously worked at UBS Financial Services from 2006 to 2008. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, charitable organizations, pension and profit-sharing plans, and IRAs. The firm offers a variety of investment programs and advisory services across equity, balanced, and fixed-income portfolios, employing both discretionary and non-discretionary approaches.

Nicholas Harper is a financial advisor with Schwab Wealth Advisory Inc. in Phoenix, AZ. He holds Series 63 and Series 65 licenses and has 25 years of experience in the industry. His prior work includes roles at Bank of America, Merrill, and Cetera. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning for clients enrolled in the Schwab Wealth Advisory program or referred by Charles Schwab & Co. The firm uses proprietary asset-allocation models and research tools to tailor investment recommendations without exercising discretionary trading authority.

James Blaine is a financial advisor with Schwab Wealth Advisory Inc. in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. His career includes roles at Charles Schwab, TD Ameritrade, and Charles Schwab Bank. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using standard asset-allocation models and internal research tools while requiring client authorization for trades.

Angela Mansfield is a financial advisor with Guardian Life and holds Series 63 and Series 65 credentials. She has 16 years of industry experience, including prior roles at Pensionmark Financial Group and Ameritas Investment Corp. Outside of advising, she authors a book focused on financial issues affecting women, coaches virtual financial workshops for women, and serves as a high school colorguard coach. Angela works with Park Avenue Securities LLC, a subsidiary of Guardian Life, which provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers tailored financial planning and advisory solutions through both advisor-led discretionary management and model-based strategies.

Lisa Mc Clelland is a Series 66-licensed financial advisor at Principal Financial Services with seven years of industry experience. Her prior work includes roles at Nationwide Insurance, Thrivent Financial, and NASCAR event staff. Outside of financial services, she has participated in skincare product testing studies. Principal Securities provides brokerage and registered investment advisory services to a diverse client base including individual investors, retirement plans, trusts, and corporations. The firm offers direct advisory programs, financial planning, and access to third-party money manager solutions under various advisory and promoter arrangements.

Neil Teubel is a financial advisor at Corient with 14 years of industry experience. He holds the CFP® designation and Series 65 license. His prior work includes over a decade at Balasa Dinverno Foltz LLC before joining Corient and its related entities. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and corporate entities. The firm utilizes a goals-based, team investment approach that combines in-house strategies with third-party managers and employs risk management tools and alternative investments when appropriate.

Jeffrey Frisch is a CFP® with 43 years of industry experience, currently serving as a financial advisor at Oppenheimer since 2005. He holds Series 63 and Series 65 licenses and is based in Scottsdale, AZ. Oppenheimer is a registered investment adviser and broker-dealer offering services to individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm provides a range of programs and advisory services including equity, balanced, and fixed-income portfolios through both discretionary and non-discretionary management.

Samantha Isherwood is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 credentials and three years of industry experience. She has worked at Schwab Wealth Advisory and Charles Schwab since 2022 and has prior experience in corporate and educational settings. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm uses standardized asset-allocation models and internal research tools to tailor investment recommendations, with trades executed only upon client authorization.

Brian Ford is a financial advisor at TIAA-CREF with 17 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at TIAA-CREF since 2013, with prior roles at Fidelity and Merrill. Ford previously owned an LLC, which is no longer active. TIAA-CREF Individual & Institutional Services provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing TIAA employer retirement relationships. The firm offers both point-in-time planning services and ongoing portfolio management through model and customized portfolios under a fiduciary standard.

Jeffrey Romero is a financial advisor with Stratos Wealth Partners, Ltd. He holds Series 63 and Series 65 licenses and has 35 years of industry experience. His prior work includes positions at LPL Financial, Wells Fargo Clearing, UBS Financial Services, and Citigroup Global Markets. He serves on the board of the New Mexico Philharmonic, a nonprofit organization. Stratos Wealth Partners is an SEC-registered enterprise adviser with approximately 379 advisors and $18.6 billion in assets under management. The firm serves a diverse client base including individuals, retirement plans, corporations, nonprofits, and institutional clients, offering a range of customized investment management and financial planning services through an open-architecture platform.

Eric Holt is a CFA charterholder with 14 years of experience in the financial industry. He is currently with Cerity Partners LLC and has previously worked at firms including The Milestone Group, Inc., SRS Capital Advisors, Inc., and AllianceBernstein L.P. based in Scottsdale, AZ. Cerity Partners advises a diverse client base ranging from high-net-worth individuals and families to institutional investors, providing customized wealth management services that include investment management, financial planning, and retirement plan consulting. The firm employs a client-specific investment framework that combines quantitative screening, manager selection, and access to alternative and private market solutions.

Samuel Goddard is a CFP®, CFA®, and holds a Series 66 license with six years of industry experience. He is currently a financial advisor at Schwab Wealth Advisory and previously worked at Morgan Stanley and Voya. Outside of finance, he has experience working at Colorado College and in the hospitality industry. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients. The firm uses Charles Schwab & Co.’s asset-allocation models and research tools to tailor recommendations to clients’ goals and risk tolerance without exercising discretionary trading authority.

Brianna Steffes is a financial advisor with Principal Financial Services in Glendale, Arizona, holding Series 63 and Series 65 licenses and three years of industry experience. Her work history includes roles at Cruz Financial Group, Principal Life Insurance Company, and The Prudential Insurance Company of America. She serves as Vice Chair of the Area Agency on Aging, supporting the board's leadership and fiduciary responsibilities. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, and charitable organizations. The firm offers financial planning, retirement plan consulting, and access to third-party money manager programs, delivering investment solutions through advisory and promoter arrangements.

Andrew Porter is a CFP® certificant with 19 years of industry experience. He has worked at Schwab Wealth Advisory, Inc. since 2025 and has a background at Charles Schwab & Co., Inc. dating back to 2016, including prior roles at Schwab Private Client Investment Advisory, Inc. and Vanguard Advisers. He is based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program. The firm’s guidance, based on Schwab’s asset-allocation models and research tools, includes recommendations on mutual funds, ETFs, SMAs, and alternative investments, with client authorization required for trades.

Phillip Vetter is a financial advisor at Ameritas Advisory Services, LLC with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with firms including Ameritas Life Insurance Company and Arizona Advisors LLC, where he is an owner and managing partner. Vetter is also licensed as an independent insurance agent to sell fixed insurance products. Ameritas Advisory Services, LLC provides investment advisory and planning services to individuals, high-net-worth clients, retirement plans, charitable organizations, and businesses. The firm utilizes a variety of investment solutions including model portfolios, mutual funds, ETFs, and individual securities across multiple program platforms.

Nemanja Miljkovic is a financial advisor with Guardian Life and holds Series 63 and Series 66 designations. He has 13 years of industry experience and has worked with firms including Park Avenue Securities, Allstate Insurance, Bank of America, Merrill, and Morgan Stanley Smith Barney. Based in Scottsdale, AZ, Miljkovic is also engaged in insurance activities outside of Guardian Life. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and advisory services to individuals, corporate and retirement plan sponsors, charities, and businesses. The firm offers a combination of advisor-led discretionary management and model-based strategies, with access to proprietary programs, third-party advisory solutions, and integrated lending options.

Christopher Thomas is a financial advisor at AE Wealth Management, LLC with one year of industry experience. He holds a Series 65 designation and has worked previously at Dare To Retire U and Hybrid Retirement Solutions LLC DBA Oxford Retirement & Estate Planning. Outside of advisory roles, he teaches classes through Dare To Retire U. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a platform-centered approach with model portfolio solutions, discretionary asset management, financial planning, and plan services, supporting a high client load per advisor and a complex affiliate structure.

Abe Bochner is a CFP® professional with 38 years of industry experience, currently affiliated with UNITED PLANNERS' FINANCIAL SERVICES of AMERICA as a Limited Partner. He has worked as an independent insurance agent since 1999 and has been associated with United Planners Financial Services for the same period. Bochner also owns a non-variable insurance business in Phoenix, AZ. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base, including individuals, retirement plans, corporations, and institutional clients. The firm administers approximately $12.77 billion in assets through a network of independent Investment Adviser Representatives and offers a combination of advisory and brokerage services with a focus on non-discretionary account management.

Ryan Garrison is a financial advisor with United Planners' Financial Services of America, holding a Series 66 designation and 14 years of industry experience. His career includes roles at multiple settlement-focused firms, including Garrison Settlements and Mass Tort Settlement Group, where he has been involved since 2015 and 2017 respectively. He serves as a board member of the Society of Settlement Planners, a national trade association related to structured settlement planning. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base with advisory and brokerage services, managing approximately $12.77 billion in assets through a combination of custodians, third-party money managers, and platform programs. The firm operates largely on a non-discretionary basis and is known for its limited-partnership ownership structure and support for advisor transitions.