Ariyeh Waite is a financial advisor at Guardian Life with one year of industry experience. He holds a Series 66 credential and has previously worked at Pacific Advisors and Park Avenue Securities. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management and a subsidiary of The Guardian Life Insurance Company of America, provides brokerage services, financial planning, and retirement plan consulting to individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers both discretionary and non-discretionary advisory relationships and utilizes a variety of investment advisory programs and model portfolios.

Steven Rustik is a CFP® with 26 years of industry experience and has been with D.A. Davidson & Co. since 2009. Based in Scottsdale, AZ, he holds Series 63 and Series 65 registrations. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including employer-sponsored retirement plans, individual investors, charitable organizations, and corporate clients. The firm offers a range of services such as ERISA retirement plan advisory, wrap fee programs, comprehensive financial planning, and a private wealth program for high-net-worth clients, operating under fiduciary standards with both qualitative and quantitative investment analysis.

Alec Wick is a financial advisor with United Planners Financial Services of America and holds a Series 65 designation. He has one year of industry experience, including prior roles at Puccio Investment Services and Northwestern Mutual. Before entering the industry, Alec was a student and worked briefly at Pleasant Valley Golf Course. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base with advisory and brokerage services. The firm supports its independent advisors with multiple custodial and platform options and is notable for its limited-partnership ownership structure and emphasis on non-discretionary account management.

Sha Vere Yarde is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Schwab Wealth Advisory in 2025, Yarde worked at Charles Schwab & Co., Inc. and has experience as a wholesale car dealer through Top Car Yarde LLC. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s research tools and standard asset allocation models.

Luke Schroeder is a CFP®-designated financial advisor with four years of industry experience. He is currently affiliated with Commonwealth Financial Network and Ke Wealth Advisors in Tempe, AZ. His work history includes multiple roles at both firms since 2020. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and managing roughly $212.7 billion in client assets. The firm offers a broad adviser-support platform, including managed-account programs, access to third-party asset managers, and custody/clearing services.

Donald Goldstein is a financial advisor at VALIC Financial Advisors with 37 years of industry experience. He holds Series 63 and Series 66 designations and has been with VALIC Financial Advisors since 2006. VALIC Financial Advisors primarily serves U.S.-based individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Carrie Hall is a financial advisor with Eagle Strategies (NY Life) based in Scottsdale, AZ, holding Series 63 and Series 65 licenses and possessing 40 years of industry experience. She has been affiliated with Eagle Strategies and New York Life since 1988 and operates her own firm, Carrie Hall and Associates Financial and Insurance Services, LLC. Hall serves on multiple nonprofit boards, including the Brophy Foundation and the Barrow Neurological Foundation Women’s Board, where she holds the position of President. Eagle Strategies serves a diverse client base, offering financial planning, investment management, and retirement-plan advisory services through a large network of affiliated representatives. The firm emphasizes tailored recommendations and manages the majority of its assets on a non-discretionary basis, working with individual investors, institutional sponsors, and plan sponsors.

Phylis Bolno is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has worked at Commonwealth since 2005 and also owns Customized Wealth Strategies, LLC, which offers tax preparation and accounting services in addition to securities and insurance business. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a variety of advisory programs and extensive operational, trading, compliance, and practice-management support to affiliated advisors.

William Beran is a Series 66-credentialed financial advisor with nine years of industry experience. He is currently affiliated with United Planners Financial Services of America as a Limited Partner and has held roles at several firms, including Bank of America and Merrill. Outside of finance, he is a partner in an equestrian hunter and jumper training facility in Scottsdale, AZ. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base through approximately 359 advisors. The firm offers both advisory and brokerage services and is noted for its non-discretionary management approach and limited-partnership ownership structure.

Jordan Raymond is a financial advisor with Schwab Wealth Advisory holding a Series 66 designation and four years of industry experience. His prior roles include positions at Fidelity Investments, Northwestern Mutual, and various wealth management firms. Outside of financial services, he was involved with OHSO Brewery and Distillery for several years. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools. The firm focuses on annual reviews and investment recommendations while leaving final trading decisions to clients.

Nolan Sand is a Planning Consultant at the Peoria Investor Center, where he supports Financial Consultants in building client relationships and assisting families in working toward their financial goals. He has been in this role since 2022. His professional experience includes roles at Fidelity Investments as a Planning Consultant, and multiple positions at Charles Schwab from 2020 to 2022, including Client Relationship Specialist, High Net Worth Specialist, and Financial Services Professional. Prior to that, he worked at Harbor Investment Advisors, Desert Schools Credit Union, Desert Schools Financial Services, and Farm Bureau Financial Services in various capacities. Outside of his professional work, Nolan is interested in family activities, social events with friends, golf, and traveling.

Walter Usinowicz Jr. is a financial advisor at Oppenheimer with 22 years of industry experience. He holds a Series 66 designation and has been with Oppenheimer since 2005. Oppenheimer serves a diverse client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm offers a range of advisory and brokerage services, utilizing strategic and tactical asset allocation alongside various investment strategies tailored to client objectives.

Jason Edwards is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. He previously worked at The Vanguard Group, Inc. for 10 years before joining Charles Schwab and Schwab Wealth Advisory in 2024. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not act as a discretionary portfolio manager.

Todd Ruble is a financial advisor at Beacon Pointe Advisors, LLC with 13 years of industry experience. He has held positions at Beacon Pointe Advisors since 2021 and previously worked at Stonegate Capital Advisors, LLC for six years. Ruble holds Series 63 and Series 65 licenses and is based in Scottsdale, AZ. Beacon Pointe Advisors provides wealth advisory, consulting, and retirement-plan services to a diverse client base that includes individuals, corporations, and institutional clients. The firm combines asset-allocation modeling with third-party independent managers and employs both active and passive strategies across public and private asset classes.

Craig Chapman is a CFP® with 29 years of industry experience and has been with Oppenheimer since 2009. He is based in Scottsdale, AZ. Outside of his advisory work, he serves as co-trustee of a personal family trust established for basic estate planning. Oppenheimer serves a diverse client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm provides a range of advisory and brokerage services with an emphasis on strategic and tactical asset allocation, manager selection, and investment policy adherence.

Joanne Astle is a financial advisor at Commonwealth Financial Network with 47 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Commonwealth and Astle Investment Management since 2015. Astle Investment Management is a part-owned entity involved in securities business conducted at her branch. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and support services, including discretionary model portfolios and customized investment solutions.

Marshall Lohrenz is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. His career includes roles at Independent Financial Group, Entrust Financial Partners, and his own firm, Marshall Reed Lohrenz. He is also a minister at Central Church of Christ and involved with estate planning through EstateDocs Pro, as well as serving as a non-paid representative for the Society for Financial Awareness. United Planners Financial Services serves a diverse client base including individuals, corporations, and institutional clients, offering financial planning, portfolio management, retirement plan services, and brokerage solutions through an open-architecture platform with multiple custodians and third-party managers.

Todd Douma is a CFP® with 25 years of industry experience, currently serving at NorthCoast Asset Management LLC. His prior roles include positions at Focus Partners Wealth, Kovitz Investment Group Partners, TMD Wealth Management, One Charles Private Wealth, Tmg General Partnership, and TMD & Associates. He serves on the boards of Buena Vista Health & Recovery, Beacon Partners Fund, and The Shufeldt Family Foundation, advising on healthcare investments and philanthropic activities. NorthCoast Asset Management provides investment advisory services to individuals, retirement plans, corporations, and charitable organizations. The firm employs a quantitative and systematic investment approach, offering a broad range of portfolio management strategies across multiple asset classes and often manages client relationships on a discretionary basis.

Brett Billenstein is a CFP® professional with 10 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory in Phoenix, AZ. His prior roles include positions at USAA, Ally Invest, and The Vanguard Group. Brett holds Series 63 and Series 66 licenses. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations. The firm utilizes Schwab’s asset allocation models and research tools, with advisors recommending strategies while clients make final trading decisions.

Thomas King is a financial advisor at Schwab Wealth Advisory with four years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab & Co., Inc. since 2022, including his current role at Schwab Wealth Advisory beginning in 2025. His prior experience includes positions outside the financial industry, such as roles in student accessibility services and the hospitality sector. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly for its advisory services.