Michael Byrnes is a financial advisor with LPL Enterprise who holds Series 63 and Series 66 licenses and has 12 years of industry experience. His prior roles include positions at Edward Jones, Bank of America, Merrill Lynch, and JPMorgan. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth clients, retirement plans, and institutional entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

Anthony John Esguerra is a financial advisor with Morgan Stanley in Peoria, AZ, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2012. Outside of his advisory role, he is involved as a sole proprietor of a retail and online store business, a partner in a healthcare med spa, and serves as a certified pickleball coach. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers comprehensive wealth management services alongside broader investment and private fund activities.

John Karsnitz is a financial advisor at Merrill with 27 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Merrill since 2006. Outside of his advisory role, he serves on the banner committee for the Arcadia High School PTO Baseball Boosters in Phoenix, Arizona, where he coordinates fundraising efforts to support the local high school baseball team. 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 and profit-sharing plans, corporations, and charitable organizations.

Nicholas Vannini is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2014. Vannini has also been affiliated with Everest College Phoenix since 2013. 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, and various institutional investors.

Moraya Canales is a financial advisor at Fidelity with a Series 66 designation and six years of industry experience. Prior to joining Fidelity, she worked at Merrill for five years. She served in the Arizona Army National Guard from 2016 to 2022. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory services.

Kristine Forster is a financial advisor at UBS Financial Services in Phoenix, AZ, holding a Series 66 designation and with six years of industry experience. Her background includes roles at UBS Financial Services and Northern Trust, as well as work at AdMix Social and Lockstep Systems. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, providing research-driven, model-based investment strategies tailored to client goals and risk profiles.

Lynn Lathrop is a financial advisor at Edelman Financial Engines with 22 years of industry experience. She holds the Series 63 and Series 65 designations and has worked at Financial Engines Advisors L.L.C. since 2017, with prior experience at ARTTOONS and The Vanguard Group. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven modeling process combined with planner delivery and online tools, offering diversified portfolios with a long-term approach and serving approximately 477,000 clients.

Mikayla Lemon is a financial advisor at Fidelity with eight years of industry experience. She holds Series 63 and Series 66 credentials. Prior to joining Fidelity, she worked at The Vanguard Group, Inc. for seven years. Outside of finance, Mikayla is involved in entrepreneurial ventures including an apothecary business where she creates herbal products. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Cody Heins is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 66 designation and has eight years of industry experience. Prior to joining Raymond James in 2025, Heins worked at LPL Financial LLC, Edward Jones, and Union Bank & Trust. He is also associated with Arrowhead Wealth Partners, a non-investment-related support company based in Glendale, AZ. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary advisory services using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Brett Woods is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has served since 2009. He has been in the financial services industry since 2004, providing personalized wealth management strategies tailored to clients' individual financial goals. Brett specializes in areas such as college education planning, investment consulting for defined contribution plans, personal retirement planning, portfolio management services, and retirement income. Brett holds a Bachelor's Degree from Idaho State University, where he attended on a golf scholarship. He has earned the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification and the Chartered Retirement Planning Counselor™ (CRPC™) designation, as well as the Personal Investment Advisor (PIA) credential. Born and raised in Laurel, Montana, Brett relocated to Arizona in 2004 to begin his career in financial services. In addition to his professional work, Brett is engaged in community service and volunteers with local organizations, reflecting his commitment to the communities he serves. His personal interests include basketball, football, golfing, hiking, running, and traveling.

Christopher Steele is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 22 years of industry experience. His prior roles include positions at Wells Fargo Clearing Services, Ameriprise Financial Services, and Morgan Stanley. Based in Phoenix, AZ, Steele has worked across several major firms in his career. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Drake Lane is a financial advisor at Cetera with a Series 66 credential and three years of industry experience. His prior roles include positions at Minnesota Life Insurance Co and Securian Financial Services Inc. He is also involved with Renaissance Financial, offering securities, insurance, and advisory services. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform, supporting discretionary and non-discretionary strategies across numerous program structures.

Steven Berryman is a financial advisor with Ameriprise, holding a Series 63 designation and 9 years of industry experience. Prior to joining Ameriprise in 2024, he worked at The Vanguard Group for 8 years and has experience in business ownership with Windmill Roasters since 2021 and Arizona Home and Apt Cleaners, LLC from 2019 to 2021. He also served in the United States Marine Corps from 2013 to 2021. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice, focusing on dependable income sources and tax-aware withdrawal strategies.

Heath Hanchey is a financial advisor at Edelman Financial Engines with 17 years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, N.A. and Merrill Lynch, Pierce Fenner and Smith. He has been with Financial Engines Advisors L.L.C. since 2017. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub-advisory services, and supports a large participant base through both advisor-led and online offerings.

Shea Boulware Creed is a financial advisor with RBC Capital Markets in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. Shea has been with RBC Capital Markets since 2009 and serves on the budget and investment review committee for the nonprofit community center Benavilla. Additionally, Shea participates in strategic planning for Forest Highlands Golf Club. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through in-house and third-party managers, supported by RBC’s extensive capital markets and affiliated asset management capabilities.

Keith Erickson is a financial advisor with Charles Schwab, holding Series 66 and Series 63 licenses and bringing nine years of industry experience. He has worked at Charles Schwab since 2017 and was previously employed at Jones Lang LaSalle for 15 years. He is based in Phoenix, AZ. 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’s approach combines non-discretionary advisory guidance with access to discretionary separately managed accounts and utilizes multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Matthew Pontes is a financial advisor with Cambridge Investment Research Advisors in Phoenix, AZ, holding a Series 65 designation and 14 years of industry experience. His prior roles include positions at BDT & Associates and Cambridge Investment Research, Inc. He is also an independent insurance agent and a limited partner involved with Amber Farms LLC, participating in recommendations to the general partner. Cambridge Investment Research Advisors serves a diverse range of individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base through thousands of financial professionals and utilizes multiple platforms and proprietary model strategies.

Dat Pham is a financial advisor with Fidelity Investments in Peoria, AZ, holding a Series 66 designation and five years of industry experience. Prior to joining Fidelity, he worked at Wells Fargo Bank and Wells Fargo Clearing. Outside of his advisory role, he works as an independent contractor driving for Uber. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients through a process that combines fundamental research, quantitative analysis, and systematic portfolio construction using mutual funds, ETFs, and ETPs. The firm is noted for its registration as a commodity pool operator, advisory role to multiple registered investment companies, and use of algorithmic methods in research.

Thomas Moran is a financial advisor at Cambridge Investment Research Advisors with nine years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at AXA Advisors, LLC. Moran is also involved in independent insurance sales and financial planning through his other business activities. Cambridge Investment Research Advisors serves a diverse client base, including individuals, institutions, pension funds, and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services. The firm operates through thousands of financial professionals and manages a multi-billion dollar asset base, providing access to multiple platforms, third-party advisers, and proprietary model strategies.

Daren Frankeberger is a Senior Financial Advisor at Merrill Lynch Wealth Management, based in the Phoenix office since 1998. He holds a bachelor's degree in Economics and Communications from Northern Illinois University. Daren’s professional credentials include the Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA) designations. With expertise in retirement and estate planning, Daren focuses on helping clients establish and pursue their long-term financial goals. His client services include college education planning, family wealth management strategies, legacy planning, and socially responsible investing, among other specialized areas. Daren resides in the Phoenix area, where he enjoys hiking, tennis, music, reading, and running with his family.