Penelope Abad is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 credentials and 18 years of industry experience. She has been with The Vanguard Group since 2008. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach, using proprietary methodologies and Vanguard funds to construct personalized portfolios with various customization options.

Mitchell Stillman is a financial advisor at Wells Fargo Clearing with 44 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. He serves as a committee member for the JNF Real Estate and Finance Group in Phoenix, providing feedback and attending meetings. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Tinika Mills is a Series 66 licensed financial advisor with Vanguard Advisers in Scottsdale, AZ, having five years of industry experience. Her background includes roles at The Vanguard Group and Vanguard Marketing Corporation since 2018, as well as prior employment at Amazon and the Phoenix Union High School District. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary models and largely invests portfolios in Vanguard funds and ETFs, combining scale with digital delivery through a high client-to-advisor ratio.

Deborah Martinez is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 credential and 16 years of industry experience. Her prior roles include 12 years at Equitable Advisors and she has been active with Southwest Wealth Strategies LLC and Martinez and Shanken, PLLC for over a decade and three decades respectively. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, charities, and institutions. The firm provides tailored, non-discretionary planning and consulting using analytical tools and supports clients through advisory programs, with specialized offerings in municipal and public finance as well as SIMPLE IRA Employer Advisory & Consulting Services.

Hector Nava Castanon is a financial advisor at Vanguard Advisers with six years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Lincoln Financial Advisors, MissionSquare Investment Services, and CUNA Mutual Group. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios primarily constructed from Vanguard funds and ETFs, offering a variety of customization options and serving a large number of clients through a combination of digital platforms and advisor support.

Matthew Martinez III is a financial advisor with Mass Mutual Investors Services in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His career includes roles at Packerland Brokerage Services and Dimensional Financial Services, Inc., where he has worked for over two decades. In addition to his advisory work, he is involved in several life insurance and annuity sales activities through related businesses. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning and asset management using firm-approved software, offering a range of planning programs including recent additions such as Divorce Planning.

Mark Breiling is a CFP® with 16 years of experience, currently serving as a financial advisor at Vanguard Advisers since 2019. He is also the owner of Mark Breiling Photography, LLC, a non-investment business venture. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach with portfolios constructed mostly from Vanguard funds and ETFs, supported by a large advisor team and scalable digital platform.

David Birrell is a financial advisor with LPL Financial in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. His career includes positions at BFC Planning, Berthel Fisher & Company Financial Services, Wells Fargo Clearing, and Banc Of America Investment Services. 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 and institutional platforms, with advice delivered primarily by investment adviser representatives using various portfolio management strategies.

Martin Battock is a financial advisor with MassMutual Investors Services in Scottsdale, AZ, holding a Series 63 designation and 45 years of industry experience. His career includes long-term roles at MetLife Securities Inc. and Metropolitan Life Insurance Company from 1999 to 2017, as well as ongoing involvement with Eq Financial Consultants, Inc. since 1979. He also assists existing clients with life and health insurance coverage through his role at Battock Wealth Management Group. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs including wrap and money-manager options and educational seminars, structuring planning engagements as annual, collaborative relationships that use firm-approved analytical tools.

Keegan Mc Carville is a financial advisor at Vanguard Advisers with four years of industry experience. He holds a Series 66 designation and is based in Scottsdale, AZ. Outside of his advisory role, he owns and operates The Christmas Light Guy LLC, a Christmas light installation business. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and offers portfolios constructed mainly from Vanguard funds and ETFs, along with various tax-aware and customization features.

Bruce Munster is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 27 years of industry experience. He previously worked at Bank of America and Merrill for a decade. Munster serves as a general partner or managing member in several private investment partnerships and LLCs, and he is a board member of Pinnacle Forum America, which supports leadership development through confidential forums. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm leverages extensive research and analytics and offers both brokerage and advisory solutions across a large network of financial professionals.

Antonio Escobedo is a financial advisor with OSAIC, holding a Series 66 designation and four years of industry experience. His prior work includes roles at Royal Alliance Associates and Thrivent Financial. OSAIC serves a diverse range of retail and institutional clients, offering integrated brokerage and advisory services, financial planning, retirement plan consulting, and access to multiple advisory platforms. The firm utilizes asset-allocation tools and various portfolio management techniques, supporting both discretionary and non-discretionary accounts across a wide spectrum of investment products.

Grant Williams is a financial advisor with Raymond James Financial Services Advisors, Inc. in Scottsdale, AZ, holding Series 63 and Series 65 credentials and with 17 years of industry experience. His prior experience includes roles at BBVA Wealth Solutions, BBVA USA, BBVA Securities, and COMPASS Bank. He is also affiliated with Pinnacle Bank Investment Services as a financial advisor. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse clientele including individual and high-net-worth clients, corporations, pension plans, and institutional clients. The firm offers tailored, non-discretionary advice supported by analytical tools and supports municipal and public finance work through its affiliation with a municipal advisor.

Hal Gilbert is a financial advisor with OSAIC in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Royal Alliance Associates, Inc. since 2004. Osaic Wealth, Inc. serves a range of retail and institutional clients through a large network of affiliated advisers, providing integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs firm-provided asset-allocation tools and supports multiple platforms and managed-account solutions.

Valerie Fishgold is a CFP® professional with 44 years of experience in financial services. She is currently with Cambridge Investment Research Advisors and has previously worked at Geneos Wealth Management Inc. Fishgold is also co-owner of an Arabian horse breeding business and serves as a notary public and certified legal document preparer in Scottsdale, AZ. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts, providing financial planning, investment management, and retirement advisory through a network of independent Financial Professionals. The firm offers various portfolio management options, proprietary and third-party model strategies, and features institutional-scale resources and compliance structures.

Brittany Frost is a financial advisor at Vanguard Advisers with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has been with The Vanguard Group since 2015. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary models to create personalized portfolios largely composed of Vanguard funds and ETFs.

Mark Schneider is a CFP®-designated financial advisor with 27 years of industry experience, currently affiliated with Osaic Wealth, Inc. He has held roles at several firms, including Securities America, Inc. and Northwestern Mutual Wealth Management Company. Outside of his advisory work, Schneider volunteers with special needs sports activities, assisting coaches during games. Osaic Wealth, Inc. serves a diverse client base, including individual and institutional investors, offering integrated brokerage, advisory, and financial planning services through a broad network of affiliated advisors and multiple platforms. The firm employs advanced asset-allocation tools and supports both discretionary and non-discretionary account management, with access to third-party money managers and wrap programs.

Jordan Smith is a CFP® with 12 years of industry experience currently serving at Vanguard Advisers. He has been with The Vanguard Group, Inc. since 2014 and was self-employed from 2018 to 2021. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach, constructing portfolios primarily from Vanguard funds and ETFs with various tax-aware features and customization options.

Evan Adams is a financial advisor at Vanguard Advisers with 20 years of industry experience. He holds Series 63 and Series 66 credentials. Adams has worked at multiple firms, including an 18-year tenure at The Vanguard Group, Inc. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary methodologies to set personalized asset allocations, primarily utilizing Vanguard funds and ETFs.

Nico La Barbera is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and eight years of industry experience. He has worked at The Vanguard Group, Inc. since 2018 and is the owner of LaVerve, LLC, a small business specializing in baking and selling Italian cookies, reselling items on Poshmark, and creating TikTok content about word etymology. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, using a goal-based, algorithm-driven approach with portfolios constructed largely from Vanguard funds and ETFs. The firm manages a large number of client relationships through a combined digital platform and advisor team model.