Paul Roberts is a CFP®-certified financial advisor with Charles Schwab, based in Phoenix, AZ, and has 17 years of industry experience. He previously worked at USAA Investment Management Company and USAA Financial Advisors Inc. Roberts is a Captain and Human Resource Officer in the United States Army Reserve. Outside of finance, he is involved in youth sports as a certified pickleball coach and serves as Chief Financial Officer for a nonprofit youth pickleball club in Arizona. Charles Schwab & Co., Inc. serves a broad client base, primarily high- and ultra-high-net-worth individuals, offering a combination of advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program and affiliated managed-account solutions.

Scott Witowski is a financial advisor with Charles Schwab holding a Series 66 designation and 15 years of industry experience. He previously worked at TDAmeritrade for 12 years before joining Charles Schwab. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal alternative-investment offering, supported by centralized custody and operational infrastructure.

Peter Sarata is a financial advisor with Cetera, holding a Series 66 designation and 26 years of industry experience. He has previously worked at Avantax Investment Services and 1ST Global Advisors among other firms, and maintains a role as a CPA providing tax preparation and accounting services in Phoenix, AZ. Sarata also leads Intentional Wealth Solutions, focusing on wealth management, financial planning, and insurance consulting. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individual investors, retirement plans, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, supporting both discretionary and non-discretionary authorities across multiple program structures.

Howard Gershkowitz is a financial advisor at Cetera with over 41 years of industry experience. He holds Series 63 and Series 66 licenses and has held positions at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities Inc. Additionally, he is a published author and poet. Gershkowitz is also a co-founder of Allwealth Planning, a financial planning firm. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and access to third-party managers through a multi-manager platform with various program structures and supervisory frameworks.

John Cross is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he leverages over 37 years of investment consulting experience. He assists affluent families and individuals in developing financial strategies aimed at achieving their specific investment objectives. His approach involves a comprehensive process including asset allocation, portfolio management, liability management, tax planning strategies, and asset and estate preservation, with a significant focus on retirement income planning and portfolio management. John holds several professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP), Certified Investment Management Analyst® (CIMA), Certified Investment Management Consultant℠ (CIMC), Chartered Retirement Planning Counselor™ (CRPC), and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from Illinois State University and completed his high school education at Hoopeston High School. His client focus areas encompass education planning, family wealth management strategies, legacy planning, retirement income, and small business strategies, among others. In addition to his professional commitments, John is involved with the community through his participation at Shepherd of the Desert Lutheran Church. He is also a member of professional organizations such as the American Institute of CPA's and the Arizona Society of CPA's. Outside of work, he enjoys adventure sports, baseball, biking, bowling, camping, fishing, hiking, hunting, traveling, and spending time with his family.

Michael Bell is a financial advisor with UBS Financial Services in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 53 years of industry experience. He has been with UBS since 1982. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and delivering advisory work supported by proprietary research and model-based asset allocations.

Jose Perez Mancera is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank, SSB, and Charles Schwab since 2023. Outside of his advisory role, he occasionally serves and bartends at Arizona Grand Resort. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers integrated brokerage, custody, and cash management services.

Corey Hall is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. He has worked at Charles Schwab Bank, SSB, and Charles Schwab & Co., Inc. since 2021, following prior roles at Wells Fargo Clearing Services and Wells Fargo Bank. 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 combination of non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and centralized operational infrastructure.

Scott Watson is a CFP® and Series 66 designated financial advisor with 21 years of industry experience, currently with UBS Financial Services in Phoenix, AZ since 2004. He serves on the board of JSUnited, an organization that raises funds to create earning opportunities for student-athletes under NIL (Name, Image, Likeness) guidelines. UBS Financial Services Inc. offers brokerage and investment advisory services to individual, corporate, and institutional clients, combining institutional trading capabilities with wealth management to provide tailored financial planning and portfolio management.

Kyle Evans is a financial advisor at Edelman Financial Engines with 14 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Edelman Financial Engines and its predecessor firms since 2018, following seven years at Scottrade. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm offers diversified model portfolios and combines proprietary modeling with planner delivery and online tools, managing approximately $326 billion for around 477,000 clients.

Manjul Chugh is a financial advisor at J.P. Morgan Securities with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2012. Outside of his advisory role, he is a co-owner of a rental property. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research and may incorporate an ESG eligibility framework.

Matthew Clearman is a CFP® with 8 years of industry experience, currently with Charles Schwab. He has worked at various Schwab entities since 2016 and spent a year at Fidelity Investments. Outside of his advisory role, he operates an eBay store selling baseball cards and collectibles. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Andrew Fausett is a Planning Consultant at Fidelity Investments. In this role, he meets with clients regularly to understand their individual needs and concerns, collaborating with them to identify strategies tailored to their unique financial circumstances. Andrew has been with Fidelity Investments since 2023, progressing through roles as a Financial Representative and Relationship Manager before becoming a Planning Consultant. His experience at Fidelity has provided him with a comprehensive understanding of financial planning and client relationship management.

Carolyn Berenger is a Series 66 licensed financial advisor with Edward Jones in Phoenix, AZ, where she has worked since 2014. She has 11 years of industry experience. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Troy Danoff is a financial advisor at LPL Enterprise with 23 years of industry experience. He holds a Series 66 designation and previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Danoff serves as a board member of the Michael Danoff Memorial Scholarship Fund, a nonprofit that awards scholarships to qualified high school students. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and various affiliated services.

Christopher Kitaeff is a financial advisor with LPL Financial based in Phoenix, AZ. He holds Series 63 and Series 66 licenses and has 18 years of industry experience, including prior roles at Bank of America and Merrill. He is also involved with La Mans Wealth Management LLC, a business entity used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive technology and a large network of over 22,800 advisors.

Jennifer Knapp is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. Her prior experience includes roles at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering a range of advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program and affiliated managed-account options. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs multi-asset model portfolios along with centralized operational and compliance structures.

Andrew Laue is a financial advisor with Primerica Advisors in Phoenix, AZ, holding Series 63 and Series 65 licenses and 11 years of industry experience. His work history includes positions in education with Peoria Unified School District, Maricopa County Community College District, and Joy Christian School. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, with approximately $15.5 billion in assets under management. The firm utilizes model-driven investment strategies supported by third-party asset managers and offers a range of discretionary account options.

Charles Kessler III is a financial advisor with Edward Jones in Glendale, AZ, holding Series 66 and Series 63 licenses and having 24 years of industry experience. He has been with Edward Jones since 2002. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of financial advisors and branch offices.

Andrew Hall is a financial advisor with Morgan Stanley in Phoenix, AZ, holding Series 63 and Series 65 credentials and having 16 years of industry experience. He has worked at Morgan Stanley and its affiliates since 2013. Outside of his advisory role, he is the sole proprietor of ACRE Partners LLC, an investment-related venture. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and the Global Investment Committee’s return estimates.