Valarie Vest is a financial advisor with Cambridge Investment Research Advisors in Phoenix, AZ, holding Series 63 and Series 66 credentials and 28 years of industry experience. She previously worked at Princor Financial Services Corporation and Principal Life Insurance Company. Outside her advisory role, she is the founder and CEO of an online coaching business. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts, providing financial planning, investment management, and retirement plan advisory services through a network of independent professionals. The firm offers a range of strategies including proprietary models and access to third-party managers, with customized portfolio implementation across multiple platforms.

Reid Greenspan is a CFP® with 17 years of industry experience, currently affiliated with Charles Schwab in Phoenix, AZ. He has worked at Charles Schwab and Charles Schwab Bank since 2020. Prior to this, he spent a decade with USAA in various financial planning and investment management roles. 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 centralized platform for advisory, brokerage, custody, and cash-sweep services.

Samantha Merrick is a Planning Consultant at Fidelity Investments, where she began her current role in 2024. Prior to this, she worked as a Relationship Manager at Fidelity Investments in the same year. In her capacity as a Planning Consultant, Samantha focuses on understanding each client's unique needs to develop tailored plans that align with their priorities and goals. Outside of her professional responsibilities, Samantha is dedicated to her family, friends, and community. She engages in various personal interests including spending time at the beach, fitness activities, exploring food, attending social events with friends, caring for pets, and traveling.

Geoffrey Moore is a financial advisor at UBS Financial Services with 21 years of industry experience. He holds a Series 66 designation and has been with UBS since 2005. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor plans to client goals and risk tolerances.

John Marsh II is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at JPMorgan Chase Bank, N.A. since 2016. Marsh has been with J.P. Morgan Securities since 2014. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities.

Timothy Bunker is a financial advisor at OSAIC with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Royal Alliance Associates, Inc. since 2018, following a two-year tenure at Signator Investors, Inc. He is also president of Bunker Financial Services Inc., where he sells and services life insurance, fixed annuities, group health, and disability insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct portfolios across various asset classes.

Logan Saucedo is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 designations and having 19 years of industry experience. He has been with Charles Schwab since 2009. 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 affiliated discretionary separate managed accounts, using multi-asset model portfolios and a centralized operational structure.

Santino Pino is a financial advisor with Primerica Advisors in Phoenix, AZ, holding a Series 63 designation and 12 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2013. Outside of his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and a limited number of separately managed account options for individual and high-net-worth clients. The firm emphasizes a tiered wrap-fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Gary Deardorff is a CFP® professional with 34 years of industry experience, currently serving as an advisor at OSAIC Wealth Inc. He has previously worked at Woodbury Financial Services, National Planning Corporation, and Cetera, among others. Outside of his advisory role, he is the managing member of Phoenix Financial Group Ltd and Phoenix Tax Planning LLC, providing investment-related portfolio maintenance as well as general tax services. OSAIC Wealth Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisors, offering brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary account management across multiple investment types.

Garrett Lupro is a financial advisor with Charles Schwab & Co., Inc. in Phoenix, AZ, holding Series 63 and Series 65 licenses and 11 years of industry experience. Prior to joining Schwab in 2020, he worked at USAA Investment Management Company and USAA Financial Advisors, Inc. from 2015 through 2020. Charles Schwab & Co., Inc. serves a large client base of 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 incorporates multi-asset model portfolios alongside alternative investment solutions.

Ayden Kihara is a financial advisor at Charles Schwab & Co., Inc. with two years of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining Charles Schwab, his background includes roles at Northwestern Mutual and the Arizona Diamondbacks. 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 both non-discretionary and discretionary investment guidance, combining multi-asset model portfolios with alternative investment options and centralized operational support.

Maxwell Morgan is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Morgan Stanley and The Vanguard Group. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related investment options and bank deposit sweep programs in its offerings.

Emily Rothenberg is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds a Series 66 designation and has worked at JPMorgan Chase Bank and Fidelity Investments. Rothenberg also has experience with Duke University and several other organizations. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through a program that combines quantitative asset-allocation modeling with centralized due diligence. The firm applies an ESG eligibility framework when recommending strategies and operates within the broader J.P. Morgan broker-dealer and banking organization.

Seth Fink is a financial advisor with LPL Financial in Phoenix, AZ, holding a Series 66 designation and 20 years of industry experience. His previous roles include positions at Equitable Advisors, AXA Advisors, Securities America, and PFG Advisors. He is also the president of Human Kindness Project, a nonprofit organization that raises and redistributes tangible goods to local charities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, with advice delivered through a large network of investment adviser representatives using both discretionary and non-discretionary strategies.

Tyler Penrod is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and six years of industry experience. He previously worked at The Vanguard Group and has been self-employed since 2019. In addition to his advisory role, he is a licensed notary public. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment management supported by multi-asset model portfolios and alternative investment options.

Roger Wilson is a CFP® professional with 24 years of industry experience, currently serving at Charles Schwab in Phoenix, AZ. His prior experience includes over a decade at USAA in various financial planning and advisory roles. Charles Schwab & Co., Inc. primarily serves 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 and discretionary investment solutions, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Christen Krueger is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and 20 years of industry experience. Christen has been with Thrivent and its related entities since 2005, including 18 years at THRIVENT Financial. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based planning without discretionary trading authority, combining planning with managed-account options under a consolidated billing service called WealthPlan.

Timothy Holly is a CFP® professional affiliated with OSAIC, based in Phoenix, AZ, with 41 years of industry experience. His prior roles include positions at Securities America Advisors and Invest Financial Corp. Outside of his advisory work, he is an agent for BlueCross BlueShield of Arizona and operates in insurance services through First Financial Strategies, LLC. Osaic Wealth, Inc. serves a diverse client base, including individual and institutional investors, offering brokerage and advisory services, financial planning, and access to multiple managed account solutions. The firm utilizes various portfolio construction tools and supports both discretionary and non-discretionary account management through a broad network of affiliated advisers.

Nicholas Doyle is a CFP® professional with 21 years of industry experience, currently serving at Cetera since 2019. His prior experience includes roles at Foresters Financial Services and Foresters Advisory Services LLC. Outside of advisory work, he is a board member and partial owner of Foam Distributors and is involved in family-owned business ventures in warehousing and office real estate. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through various program structures and manager options, managing over $256 billion in assets with more than 10,000 advisors.

Scott Wallace is a financial advisor at Edward Jones with 15 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors, offering a range of advisory programs and investment solutions under a fiduciary standard.