Michael O'Malley is a financial advisor with United Planners' Financial Services of America, holding Series 65 and Series 66 credentials and bringing 20 years of industry experience. He has been with United Planners since 2015 and is also a partner at O'Malley & Berberich CPAs PC, where he has provided accounting, tax preparation, and business consulting services since 2001. United Planners serves a diverse client base, including individuals, corporations, charitable organizations, retirement plans, and institutional clients such as sovereign wealth funds and banks. The firm operates as both a registered investment adviser and a broker-dealer, offering financial planning, portfolio management, retirement plan services, and brokerage solutions through a network of 477 independent advisors.

Seth Dhaenens is a financial advisor with Principal Financial Services based in Phoenix, AZ. He holds the ChFC® designation and has 17 years of industry experience. His career includes roles at Principal Life Insurance Company and Principal Securities Inc since 2023, and prior to that, he worked with Pruco Securities, LLC and Prudential Insurance Company of America for 15 years. Dhaenens is also involved in providing fixed insurance products, including life, disability, annuities, long-term care, and Medicare supplements. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm focuses on financial planning and retirement plan consulting, with access to third-party money manager asset allocation and separately managed account solutions.

Whitney Williams is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. Her prior experience includes roles at The Vanguard Group and USAA financial planning services. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients within the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations across a broad range of asset classes. The firm operates within the Schwab ecosystem and uses standard asset allocation models and Schwab research tools, with clients retaining final trading decisions.

Courtney Hicks is a financial advisor at Kestra Advisory with seven years of industry experience. She holds Series 63 and Series 66 designations and has worked at The Vanguard Group and multiple self-employed roles prior to joining Kestra. Kestra Advisory provides investment advisory and retirement-plan consulting services to institutional and individual clients, offering fiduciary consulting, plan design, investment advice, and employee education. The firm serves a broad client base, including large institutional investors, and supports a range of investment platforms and managed solutions.

Anna Kramer is a CFP® and ChFC® with 27 years of industry experience. She is currently with Schwab Wealth Advisory Inc. and Charles Schwab & Co., where she has worked since 2020. Prior to this, she held positions at USAA Investment Management Company and USAA Financial Planning Services. In addition to her financial advisory roles, she has served with the Maricopa County Elections Department since 2012. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations based on standard asset allocation models and Schwab research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, with discretionary management generally handled by affiliated or third-party money managers.

Scott O'keeffe is a financial advisor with UNITED PLANNERS' FINANCIAL SERVICES of AMERICA, holding Series 63 and Series 65 licenses and having 29 years of industry experience. He has been with United Planners since 2011 and concurrently maintains an active insurance license in Arizona for life, health, and disability coverage, though he does not currently solicit insurance products or clients. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients, providing financial planning, portfolio management, retirement services, and brokerage solutions through a network of 477 independent advisors. The firm operates an open-architecture platform with multiple custodians and third-party money managers and is notable for its largely non-discretionary asset mix and limited partnership ownership structure.

Steven Deacon is a financial advisor with Commonwealth Financial Network in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He previously worked at Blackrock Investments, LLC from 2011 to 2019 and has been with Commonwealth and Blakeman and Associates, Inc. since 2019. Outside of his advisory role, he is the owner of Five Point Wealth Advisors LLC, a private entity facilitating securities, advisory, and insurance business. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, offering a range of advisory programs and services including custom portfolios, third-party asset manager access, and retirement plan consulting. The firm provides operations, trading, technology, investment management, compliance, and practice-management support to affiliated advisors, while its Investment Management and Research team manages discretionary model portfolios.

Carter Barrett is a CFP® professional with eight years of industry experience, currently serving at Schwab Wealth Advisory in Phoenix, AZ. His prior experience includes roles at Charles Schwab & Co., Cetera, Merrill, and Bank of America Merrill Edge. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations using Schwab’s proprietary research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge fees to clients, distinguishing it from many other enterprise wealth managers.

Teresa Schuelke is a Planning Consultant at Fidelity Investments, a role she has held since 2021. She has built a career in financial services, previously working as a Relationship Consultant, Investment Consultant, and Financial Service Advisor at Merrill between 2018 and 2021. Prior to that, Teresa served as a Financial Advisor at H. Beck Inc. from 2015 to 2017 and at Edward Jones from 2011 to 2015. Teresa focuses on providing financial education to clients, emphasizing the importance of understanding their money and how it works to help them achieve their financial goals. She fosters partnerships with clients to collaboratively create, implement, and monitor their financial plans. This approach reflects her commitment to making a difference in clients' lives. Outside of her professional work, Teresa enjoys family activities, social events with friends, movies, music, traveling, and writing.

Hugh Duke is a financial advisor at Integrity Alliance, LLC with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at LPL Financial and Brokers International Financial Services LLC. He is also involved with Penn Mutual in a non-variable insurance capacity. Integrity Alliance serves a diverse client base including individuals, charitable organizations, corporations, and retirement plans through a network of 164 independent advisers. The firm provides asset management, financial planning, retirement plan consulting, and access to third-party manager programs, employing a range of portfolio management approaches across multiple custodial platforms.

Christopher Berkland is a CFP® professional with 40 years of industry experience. He has been with Schwab Wealth Advisory Inc. and Charles Schwab & Co., Inc. since 2015, based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using standard asset allocation models and Schwab research tools. The firm focuses on annual financial reviews and investment recommendations while leaving final trading decisions to clients.

Theresa Kennedy is a financial advisor at Citigroup Global Markets with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Citigroup since 2009. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies using internal standards and oversight committees, combining large institutional scale with specialized market roles.

Ghazwan Ramlawi is a financial advisor at Schwab Wealth Advisory with 33 years of industry experience. He holds Series 63 and Series 66 designations and has been affiliated with Charles Schwab and its related entities since 1994. Outside of finance, he is also involved in acting and modeling on a part-time basis. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations supported by Schwab research tools. The firm operates within the Schwab ecosystem and focuses on client-directed decisions rather than discretionary trading.

Ryan Vena is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 designations and over 12 years of industry experience. He has been with Charles Schwab and its affiliated entities since 2013 and has worked at Schwab Wealth Advisory since 2019. Outside of his advisory role, he operates a running coaching business called Humble Running. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice primarily to clients enrolled in its Schwab Wealth Advisory program, offering annual financial reviews and tailored investment recommendations using Schwab’s proprietary research and asset allocation models.

Davis Beazer is a CFP® professional with four years of industry experience, currently serving as a financial advisor at AE Wealth Management, LLC. Prior to joining AE Wealth Management, he held roles at Vanguard Marketing Corporation and The Vanguard Group. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base including individuals, corporations, trusts, and ERISA plan sponsors. The firm emphasizes model portfolio and direct asset management programs, utilizing a range of investment strategies implemented through discretionary model portfolios.

Jared Sweitzer is a CFP® professional with 23 years of experience based in Phoenix, AZ. He has worked at Commonwealth Financial Network and Camelback Retirement Planners since 2003. Outside of his advisory work, he is a 33% owner of Shycus LLC, a private entity involved in processing expenses related to his securities business. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients. The firm offers a variety of advisory programs and services, including discretionary model portfolios and customized investment solutions, while providing operational and compliance support to affiliated advisors.

Westin Cox is a financial advisor at Schwab Wealth Advisory with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Schwab Wealth Advisory since 2016. Outside of finance, he is involved in a gate fabrication business. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses Schwab’s asset allocation models and research tools to recommend investments, while clients retain final trading authority.

Ryan West is a financial advisor at OSAIC Institutions, Inc. with 14 years of industry experience. He holds a Series 66 designation and has worked at Arizona Federal Credit Union and CUSO Financial Services, L.P. before joining OSAIC Institutions in 2023. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating through a hybrid adviser/broker-dealer structure that emphasizes firm supervision while delegating investment analysis and account management to its investment adviser representatives.

Babette Molina is a financial advisor with United Planners Financial Services of America, holding Series 63 and Series 65 credentials and eight years of industry experience. She has been with United Planners Financial Services since 2014. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and various institutional clients. The firm operates as both a registered investment adviser and broker-dealer, providing financial planning, portfolio management, retirement plan services, and brokerage solutions through an open-architecture platform utilizing multiple custodians and third-party money managers.

Tania Volk is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has been with Schwab Wealth Advisory and Charles Schwab since 2012. Outside of her advisory work, she is involved in selling protein drinks and nutritional supplements to fitness-oriented customers through a business called Life Recovery Wellness. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, focusing on a range of investment options and annual financial reviews, while allowing clients to retain final trading decisions.