Laura Carolina is a financial advisor with Ameriprise in Glendale, AZ, holding a Series 66 designation and two years of industry experience. Her prior roles include positions at Bankers Life Advisory Services, Valic Financial Advisors, and Spring Venture Group. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income and tax-aware withdrawal strategies.

Julie De La Torre is a financial advisor at Charles Schwab with seven years of industry experience. She holds Series 66 and Series 63 licenses and has worked at Charles Schwab & Co., Inc. since 2018. Her prior experience includes roles at The Vanguard Group and Thrasher Law Offices PLLC. 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 with strategic asset allocation and periodic reviews.

Raylun Golay is a Series 66-licensed financial advisor with six years of industry experience. He is currently with Charles Schwab, where he has worked since 2021, and previously worked at Merrill from 2019 to 2021. Prior to his financial services career, he was employed at Scottsdale Training and Rehabilitation Services and the City of Scottsdale. Charles Schwab 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 uses multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Phil Mcnulty is a CFP®-certified financial advisor with 16 years of industry experience. He is currently with Cambridge Investment Research Advisors and previously worked at firms including Verus Capital Partners, LPL Financial, and Securities America. Mcnulty is also involved in business activities related to insurance and marketing through PROXY and PROXY Advisory Group, and owns INTENTIONAL, LLC. Cambridge Investment Research Advisors serves a broad range of individual and institutional clients by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management through multiple platforms and offers access to third-party advisers and proprietary model strategies under the Founders Gate Capital brand.

Craig Lewis is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and 19 years of industry experience. He has worked at Charles Schwab since 2007 and at Charles Schwab Bank, SSB since 2016. 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 both non-discretionary and discretionary investment advisory options, utilizing multi-asset model portfolios and alternative investment due diligence.

Lauren Goeddel is a financial advisor at Charles Schwab with 17 years of industry experience and holds the Series 66 credential. She has been with Charles Schwab since 2011, totaling 15 years at the firm. 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 delivers investment guidance using multi-asset model portfolios and offers a combination of non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts.

Paul Wilson is a financial advisor at Charles Schwab with six years of industry experience. He holds the Series 66 designation and has previously worked at J.P. Morgan Securities LLC, Robinhood, and Morgan Stanley. Wilson is based in Phoenix, AZ. 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 investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence on alternative investments.

David Fellows is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 33 years of industry experience. He has been with LPL Financial since 2008 and also operates Fellows Tax & Financial Service, which provides tax preparation, accounting, and non-variable insurance services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by a large network of investment adviser representatives.

Devon Gillard is a financial advisor at Edward Jones in Surprise, Arizona, holding a Series 66 designation and bringing approximately two years of experience in the financial industry, including prior roles at Morgan Stanley and The Vanguard Group. His work history also includes positions outside of finance in automotive and real estate sectors. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients across a broad range of wealth levels, offering a variety of advisory programs and investment solutions under a fiduciary standard.

Dylan Shendell is a financial advisor with Robert W. Baird & Co. in Phoenix, AZ, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Morgan Stanley and Fisher Investments, as well as an eight-year tenure at the University of Arizona. He is part of the DDK Group within Baird’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and institutional clients. The team offers a range of consulting and portfolio services, tailoring strategies through in-house and third-party managers across traditional and non-traditional asset classes.

Michael Murphy is a Series 66-licensed financial advisor with eight years of industry experience, currently with OSAIC since 2023. He previously worked at SagePoint Financial and Thrivent Financial among other firms. Outside of his advisory role, he serves on the board of Homeless Engagement Lift Partnership and is a member of the Men's Board for the Fresh Start Women’s Foundation, both charities focused on social support initiatives in the Phoenix area. OSAIC serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement consulting. Its investment approach includes model-based asset allocation and portfolio optimization with options for discretionary management, third-party managers, and alternative investments.

Gregory Smith is a financial advisor with UBS Financial Services in Phoenix, Arizona, holding Series 63 and Series 65 licenses and possessing 29 years of industry experience. He has worked at UBS since 2006, following positions at Wells Fargo Clearing and Prudential Equity Group. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, offering a broad range of capital markets and research resources to support client strategies.

Drew Armao is a financial advisor at RBC Capital Markets with 40 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining RBC Capital Markets in 2026, he spent 24 years at Robert W Baird & Co. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a wide range of clients including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers.

Kenneth Szymanski is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and 10 years of industry experience. He has worked at various entities within Charles Schwab since 2015, including Charles Schwab Bank, SSB, and Charles Schwab Premier Bank SSB. Charles Schwab & Co., Inc. serves a large client base of 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 supported by multi-asset model portfolios and integrated custody and brokerage services.

Philip Buck is a financial advisor at Charles Schwab with 22 years of industry experience. He has been with Charles Schwab since 2007 and holds the Series 63 and Series 66 designations. Based in Phoenix, AZ, he serves clients through one of the largest wealth management firms in the industry. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 both non-discretionary and discretionary investment solutions using multi-asset model portfolios and a centralized operational structure.

Matthew Moscatello is a financial advisor at UBS Financial Services with a Series 66 designation. He has diverse experience including roles at Deloitte Tax LLP and Arizona State University’s W. P. Carey School of Business. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans to clients’ goals and risk tolerances.

Jennifer Laughton is a financial advisor with Ameriprise in Phoenix, AZ, holding Series 63 and Series 65 licenses and 19 years of industry experience. She has been with Ameriprise and its affiliated entities since 2009. Outside of her advisory role, she owns JL Custom Creations, LLC, a business focused on handmade crafts such as cups, key chains, and pens. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with substantial investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized advice, primarily for clients with assets managed within Ameriprise.

Gregory Kraemer is a financial advisor with RBC Capital Markets in Phoenix, AZ, holding Series 63 and Series 65 registrations and having 13 years of industry experience. He has worked at RBC Capital Markets since 2016 and has a background that includes a tenure at Vanguard Advisers. Prior to his current role, he was employed at City National Bank. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with a range of advisory programs that offer portfolio management, financial planning, custody, and brokerage services. The firm customizes investment strategies based on clients’ risk profiles and utilizes both in-house and third-party managers to implement portfolios.

Cody Whiren is a Planning Consultant at Fidelity Investments, where he works directly with in-book clients to guide them through key decisions that contribute to a confident retirement. His role involves reviewing comprehensive retirement analyses, building tax-efficient investment strategies, and designing sustainable income plans tailored to each client's goals. He collaborates closely with financial advisors to develop and implement holistic financial plans that support long-term financial well-being. Before his current position, Cody served as a Relationship Manager at Fidelity Investments from 2025 to 2026, and as a Financial Representative from 2024 to 2025. This progression reflects his growing experience in client relationship management and financial planning within the firm. Outside of his professional work, Cody's personal interests include camping, comedy, football, and hiking.

Rachel Piloian is a financial advisor with Thrivent Investment Management in Phoenix, AZ. She holds a Series 66 designation and has been with Thrivent and its affiliates since 2018, with a break from work between 2014 and 2018. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based financial analyses and written recommendations on various planning topics without discretionary portfolio management.