Ziomara Reyes is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and three years of industry experience. She has worked at Charles Schwab since 2022 and has prior experience at Target, AML Rightsource LLC, and the Phoenix Elementary School District. 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 offers a combination of non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and due diligence on alternative investments, supported by its scale and integrated operational structure.

David Conrad is a financial advisor at Charles Schwab with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab since 1999, including his current role at Charles Schwab Trust Bank since 2023. 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 discretionary separately managed accounts and offers a multi-asset investment approach supported by centralized custody and operational infrastructure.

Kal Jamsa Jr. is a financial advisor with Morgan Stanley in Peoria, AZ, holding Series 63 and Series 65 licenses and 46 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Prior to that, he spent over two decades at Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and extensive resources.

Hector Rojas is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 credentials and eight years of industry experience. He has worked at Charles Schwab since 2017, including a position at Charles Schwab Bank, SSB, and previously at Wells Fargo Advisors LLC. Outside of his advisory role, he owns a rental property. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts, supported by model portfolios and alternative investment due diligence.

Ryan Graham is a Financial Consultant at Fidelity Investments, where he began his current role in 2023. He has over two decades of experience in the financial industry, focusing on retirement planning, tax-efficient investing, and legacy preservation. His career includes positions such as Investment Consultant at Fidelity Investments, Financial Advisor at PFG Advisors - Copper State Wealth Management, and Private Client Advisor and Personal Banker roles at JPMorgan Chase. Ryan's background spans from entry-level teller roles to advanced advisory positions, showcasing a comprehensive understanding of financial services. Ryan holds a California Insurance License. Outside of his professional work, he has personal interests in cars, fitness, music, parenthood, snowboarding, and traveling.

Matthew Riggleman is a financial advisor at Merrill in Phoenix, AZ, with six years of industry experience. He holds the Series 66 designation and has been with Merrill and Bank of America since 2020. Prior to joining Merrill, he worked at Sellers Buick GMC and attended Bentley University. Merrill, along 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 institutional investors.

Russell Doyle is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and 25 years of industry experience. His prior roles include positions at Wells Fargo Clearing, A. G. Edwards & Sons, and Morgan Stanley Dw Inc. Outside of advising, he occasionally rents out his home on a short-term basis. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service focused on retirement-income planning with tax-aware withdrawal strategies and a defined enrollment process requiring a minimum level of investable assets.

Daniel Dozier is a Wealth Management Advisor with Merrill Lynch Wealth Management. He serves clients by providing personalized wealth management advice, including economic analysis, income needs assessment, risk management strategies, retirement planning, and estate planning recommendations. Daniel also offers consulting services for family and non-family businesses, emphasizing a consultative and objective approach to address clients' financial goals. With 30 years of experience in the financial services industry, Daniel holds several professional designations, including Certified Private Wealth Advisor (CPWA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's degree in Global Business Management and Finance from Arizona State University - West Campus. Daniel is committed to maintaining integrity, confidentiality, and open communication in his client relationships. Fluent in English and Spanish, Daniel values community involvement and follows Merrill Lynch's tradition of participating in the communities served. He volunteers with local organizations and enjoys personal interests such as baseball, golfing, pickleball, tennis, and spending time with his family.

Benjamin Nowicki is a financial advisor with Merrill in Phoenix, AZ, holding a Series 66 designation and bringing 13 years of industry experience. He has been with Merrill since 2014. Merrill, together with its affiliate Managed Account Advisors LLC (MAA), provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jorden Morales is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and two years of industry experience. Prior to joining Charles Schwab, Morales held positions in various retail and food service roles while completing extended periods of full-time education. Charles Schwab & Co., Inc. serves a large client base primarily consisting 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 options, combining centralized supervisory and custody functions with a multi-asset investment approach and access to alternative investments.

Bryan Trujillo is a CFP® professional with four years of industry experience, currently affiliated with Charles Schwab in Phoenix, AZ. He has held roles across Charles Schwab’s Premier Bank, Bank, and general firm operations since 2022. Outside of his advisory work, he owns Standout Athletics LLC, a business related to sports competition winnings and apparel earnings. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers comprehensive investment guidance supported by multi-asset model portfolios and alternative investment options.

Diane Robinson is a financial advisor with Primerica Advisors in Phoenix, AZ, holding a Series 63 designation and with 28 years of industry experience. She has been with Primerica Advisors since 1997 and Primerica Financial Services since 1996. Outside of her advisory role, she is a self-employed motivational speaker and is involved in the sale of home security, automation, and loan products through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors—including both non-high-net-worth and high-net-worth clients—as well as corporate and charitable clients. The firm delivers advisory services through a large network of advisors who use model-driven investment strategies supported by third-party managers and custodians.

Ashish Phansopkar is a financial advisor with Cambridge Investment Research Advisors in Phoenix, AZ, holding a Series 66 designation and bringing 11 years of industry experience. He has worked at Cambridge Investment Research since 2017 and prior to that held positions at Larry K. Fox & Associates, Invest Financial Corporation, and LPL Financial. Phansopkar serves as a board member for RealAsset Advisor. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individual investors, pension plans, and charitable organizations by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management across multiple platforms and manages a multi-billion dollar asset base.

Theresa Cann is a financial advisor with Edward Jones, holding a Series 66 designation and 16 years of industry experience. She has been with Edward Jones since 2009. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including a range of households, pension plans, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,700 advisors and offers a variety of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated funds.

Jacob Adams is a financial advisor with LPL Financial based in Phoenix, AZ. He holds a Series 66 designation and has one year of industry experience. Prior to joining LPL, Adams has been associated with American Financial Associates and has experience in tax preparation and accounting 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, model portfolios, and institutional platforms, supported by a large network of investment adviser representatives.

Kyle Stewart is a financial advisor with Cetera, holding a Series 66 designation and two years of industry experience. Prior to his advisory career, he worked in the food service industry and held various roles including positions at NiMarcos Pizza and Pita Jungle. He is currently affiliated with Renaissance Financial Corporation as a financial advisor. Cetera Investment Advisers LLC is an SEC-registered firm supporting a nationwide network of over 10,000 independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services for individual, corporate, charitable, and institutional clients through a multi-manager platform with discretionary and non-discretionary account options.

Annette Petzel is a CFP® professional with over 41 years of industry experience. She is currently with OSAIC and has held prior roles at Woodbury Financial Services, Questar Asset Management, and several insurance agencies. In addition to her advisory work, she operates R P Ryan Insurance, Inc., where she focuses on Medicare, employee benefits, personal life insurance, and disability products. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services, utilizing a model-based investment approach with portfolio optimization and multiple managed account options.

Manuel Hierro is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities and JPMORGAN Chase Bank, N.A. since 2013. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative screens and qualitative research.

Caroline Andreen is a Series 66-licensed financial advisor with J.P. Morgan Securities in Phoenix, Arizona, holding two years of industry experience. Her work history includes roles at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., along with prior engagements at the University of Oklahoma and Willis Towers Watson. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s non-discretionary program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a manager solutions team.

Kyle Holmes is a financial advisor at Charles Schwab with Series 66 and Series 63 credentials and five years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2020. Previously, he held various roles at Brigham Young University-Idaho and Sylvan Learning Center of Temecula. 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 advisory relationships and access to affiliated discretionary separately managed accounts, supported by centralized operational and custody arrangements.