Paul Gesina is a CFP® professional with 27 years of industry experience. He is currently with Charles Schwab in Phoenix, AZ, having previously worked at Morgan Stanley and E*TRADE Capital Management. 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 a combination of non-discretionary and discretionary investment management with integrated brokerage, custody, and advisory services.

Owen Sweeney Jr. is a financial advisor at UBS Financial Services with 38 years of industry experience. He has been with UBS since 1987 and holds Series 63 and Series 65 credentials. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm offers fee-based financial planning, portfolio management, and access to proprietary research and capital markets services.

Maximilian Merchut is a financial advisor at Raymond James Financial with a Series 66 designation and one year of industry experience. Prior to joining Raymond James, he held roles at Arizona State University, Desert Financial Credit Union, and various educational institutions. Outside of finance, his background includes entrepreneurial activities such as involvement with Asxpol.com and Nektar Juice Bar. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individual, high-net-worth, institutional, and charitable clients. The firm employs non-discretionary planning with analytical tools to tailor recommendations to client goals and maintains unique affiliations supporting municipal and public finance advisory services.

Armando Castaneda is a financial advisor at Merrill with a Series 66 designation and 2 years of industry experience. He has been with Merrill since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Tyler Ehlers is a financial advisor at Charles Schwab with 10 years of industry experience. He has been with Charles Schwab since 2014 and holds a Series 66 designation. 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, centralized custody, and a formal alternative-investment onboarding process.

Mohamed Zeitoun is a financial advisor with J.P. Morgan Securities in Phoenix, AZ, holding Series 63 and Series 65 credentials and six years of industry experience. His prior firms include Goldman Sachs, Bank of America Merrill Lynch, and Axon Enterprise. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research, utilizing a forward-looking capital market framework and incorporates ESG considerations.

Robert Schoen is a CFP® with 39 years of industry experience, currently serving at Cetera. He also owns Schoen & Co., a CPA firm providing income tax preparation and related services since 1979, and works as a CPA at Fates, Bodily & Parker CPAs. His career includes over two decades at Cetera and its affiliated entities, alongside running his own financial advisory practice since 2014. Cetera Investment Advisers LLC is a large SEC-registered firm offering a multi-manager investment platform through a nationwide network of over 10,000 independent advisors. It serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients with various portfolio management and financial planning services.

Timothy Woods is a financial advisor with LPL Financial in Peoria, AZ, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. His prior roles include positions at Ameriprise Financial Services Inc. and Waddell & Reed, Inc. Woods operates a private wealth management business under Rock Martin Private Wealth Management affiliated with LPL Financial. 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, utilizing various portfolio management strategies and technology tools to support investment decision-making.

Zachary Vie is a financial advisor with Merrill in Phoenix, AZ, holding Series 63 and Series 66 licenses and having 12 years of industry experience. His career includes roles at Merrill since 2014 and at Bank of America, N.A. since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Solece Lopez is a financial advisor at Morgan Stanley with Series 63 and Series 66 licenses and four years of industry experience. Prior to joining Morgan Stanley, Lopez worked at Charles Schwab and State Farm Mutual Insurance Company. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services through various planning and investment strategies.

Enwiya Toma is a financial advisor at Merrill with 14 years of industry experience and holds a Series 66 designation. She has worked at Merrill since 2012 and has also been with Bank of America, N.A. since 2013. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individual and high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Jack Poppenberger is a financial advisor at Raymond James Financial in Phoenix, AZ, holding a Series 66 designation. He has been with Raymond James Financial and its affiliated entities since 2025. Prior to this, his background includes roles in various industries such as education, construction, and retail. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm employs a tailored, non-discretionary approach using risk profiling and analytical tools to support client goals and offers specialized programs such as municipal advisory and SIMPLE IRA Employer Advisory & Consulting Services.

Aaron Ewing is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and 15 years of industry experience. He has worked at Charles Schwab since 2015, including a period at Charles Schwab Bank from 2016 to 2018. Outside of his advisory role, he owns and operates A & M Wellness LLC, an online retail business selling mostly sporting goods. 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, offering a mix of non-discretionary guidance and access to discretionary separately managed accounts.

Jacob Rotner is a financial advisor at Fidelity with one year of industry experience. He holds the Series 66 designation and has prior employment with Fidelity Investments and Fidelity Brokerage Services LLC. Outside of his advisory role, he has worked seasonally with Kona Ice. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across mutual funds, ETFs, and ETPs.

Karen Green is a Series 66 licensed financial advisor at Merrill with 15 years of industry experience. She has been with Merrill since 2010. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Apolinar is a financial advisor at Charles Schwab with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Charles Schwab & Co., Inc. since 2009. Outside of his advisory role, he is a member and operator of Copper State Alliance, an online outdoor sporting goods retailer. 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 offers a centralized operational platform supporting a large client base.

Donald Whitman is a financial advisor with Cetera Wealth Services, LLC in Phoenix, Arizona, holding Series 63, 65, and 66 licenses and possessing 25 years of industry experience. He has previously worked with Avantax Advisory Services and 1st Global Advisors, and he is also a member of the board of directors for the Martin Auto Museum, a nonprofit organization. Whitman is involved in several business ventures, including Intentional Wealth Solutions, LLC, a financial services entity formed through a merger, and he owns Whitman & Jackson CPAs, PC. Cetera Investment Advisers LLC serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers, overseeing more than $256 billion in assets.

Christine Melancon is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and 18 years of industry experience. She has worked at Cetera since 2019 and previously held roles at Foresters Advisory Services and Foresters Financial Services. Melancon also owns Christine Melancon LLC and serves as successor trustee for the Aaron J Cunningham Trust. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and access to multiple program platforms, operating a multi-manager platform that includes affiliated and third-party managers.

Emily Stead is a financial advisor with Cetera in Phoenix, AZ, holding the CFP® designation along with Series 63 and Series 65 licenses and has 10 years of industry experience. She has worked with Cetera since 2019 and previously was with Foresters Advisory Services LLC and Foresters Financial Services from 2016 to 2019. Outside of her advisory role, she operates a separate financial business established for tax purposes. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, supporting various program structures and custodial arrangements.

Joshua Butler is a financial advisor at Edward Jones with a Series 66 designation and two years of industry experience. His prior work includes roles at Uber Technologies, BlockFi, and American Express. Outside of his advisory duties, he owns and operates an auto detailing business, Dropless Detail LLC, in Glendale, AZ. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a broad range of advisory programs and investment solutions through a large nationwide network of financial advisors and branch offices.