Beth Yost is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 designations and 22 years of industry experience. She has been with Charles Schwab since 2004. Outside of her advisory role, she provides dog sitting services through the Rover.com platform. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a blend of non-discretionary and discretionary investment advisory services through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm’s integrated structure combines advisory, brokerage, custody, and cash-sweep services across multiple wrap programs.

Daniel Schneider is a financial advisor at Charles Schwab with 14 years of industry experience. He holds the Series 66 designation and has worked in various capacities including at 1ST Global Capital Corp., 1st Global Advisors Inc., and Schneider & Associate, CPAs, P.C. He serves as a parish council member and treasurer for St George Antiochian Orthodox Church, where he is involved in budgeting and financial oversight. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management services supported by a large, integrated platform.

Daniel Scobie is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2017. He has also been associated with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2013. Based in Scottsdale, AZ, his career has been focused within the Vanguard organization. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach and manages portfolios primarily using Vanguard funds and ETFs, offering various customization options and tax-aware strategies.

Billy Stigall is a CFP® professional with 41 years of industry experience, currently with Wells Fargo Clearing since 2016. He previously worked at A. G. Edwards & Sons, Inc. from 2002 to 2008. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

Tracy Martin is a Wealth Management Advisor affiliated with Merrill, serving as a Merrill Resident Director. She works closely with individuals and families whose financial lives have grown more complex, often as a result of success, focusing on how capital is structured, coordinated, and aligned across the entire balance sheet. Tracy emphasizes thoughtful listening, open conversations, and personalized strategies designed around clients' goals, values, and evolving needs. Her expertise includes college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, small business strategies, women and wealth, tax minimization, and retirement income. Tracy holds professional designations such as Certified Divorce Financial Analyst (CDFA), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). She earned her Bachelor's Degree from Mercyhurst College. In addition to her professional work, Tracy is involved in community activities, serving as Co-President of the Merrill Women's Exchange Virtual Chapter. She values treating clients like family and aims to provide clarity, guidance, and confidence to help clients make financial decisions with both precision and purpose.

Randall Logan is a CFP®-certified financial advisor with 14 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm offers both brokerage and advisory solutions and manages approximately $671 billion in assets.

Zachary Moffat is a financial advisor at Morgan Stanley in Scottsdale, AZ, holding a Series 66 designation. He has been with Morgan Stanley since 2025 and has prior experience at several companies including Cartwheel, Rain International, and Corient. He has also worked in educational roles at Brigham Young University for several years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm employs structured planning tools and modeling techniques while managing approximately $2.74 trillion in client assets.

Paul Okonoski is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 18 years of industry experience. He has previously worked at Charles Schwab & Co., Inc. and Charles Schwab Bank. Outside of his advisory role, he co-owns a coffee shop business currently under construction in Mesa, Arizona, which is managed by his wife. 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 portfolio programs, third-party asset management, and institutional platforms.

Ray Jonas is a financial advisor at Fidelity with 32 years of industry experience. He holds Series 63 and Series 66 designations and has worked in various roles at Fidelity since 1993, including positions at Fidelity Brokerage Services, Inc., Fidelity Personal and Workplace Advisors, and Fidelity Investments. Fidelity's Strategic Advisers LLC, where he is affiliated, provides investment management and advisory services to a diverse client base that includes retail and institutional investors, registered investment companies, and an IRS-qualified Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios and serves a unique role among large institutional peers through its regulatory registrations and use of AI-driven methodologies.

Alvaro Galvez Jr. is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and eight years of industry experience. He has been with Vanguard Advisers since 2020 and is also affiliated with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2018. Prior to joining Vanguard, he spent two years at the University of Georgia and over a decade as a self-employed professional. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven approach using proprietary models and primarily constructs portfolios from Vanguard funds and ETFs, offering a range of customization options and tax-aware features.

Sabino Vargas is a CFP® certificant with 15 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2016. His prior roles include positions at Wonder, Division of Balderdash, Inc., and ongoing affiliation with Vanguard Marketing Corporation and THE Vanguard Group, Inc. Vanguard Advisers provides both 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 to portfolio construction, utilizing Vanguard funds and ETFs alongside various customization options.

David Simon is a financial advisor with Wells Fargo Clearing in Phoenix, AZ, holding Series 63 and Series 65 designations and bringing 36 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Brandon Vecchio is a financial advisor with OSAIC in Scottsdale, AZ, holding a Series 66 designation and 16 years of industry experience. His prior work includes positions at Securities America Advisors and Securities America Inc. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by various tools and options for discretionary and advisor-managed strategies.

Christine Gillespie is a financial advisor at Morgan Stanley with 13 years of industry experience. She holds Series 63 and Series 65 registrations and has been with Morgan Stanley Smith Barney LLC since 2015. Outside of her advisory role, she is involved with the Oakbrook Village North Condo Association. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm utilizes structured discovery processes and firm-approved tools in its planning approach and manages approximately $2.74 trillion in client assets.

Natalie Flamm Stutenroth is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 28 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and previously held roles at Wells Fargo Investments and Banc of America Investment Services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Michael Caplice is a financial advisor at Charles Schwab with 10 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank, Charles Schwab, Bank of America, and Merrill. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals. The firm offers a combination of non-discretionary and discretionary investment advisory services, integrating multi-asset model portfolios, alternative investments, and centralized custodial and supervisory arrangements.

Aaron Berger is a Wealth Management Advisor based in Arizona with a career in financial advisory services since 1994. He specializes in creating customized financial strategies aimed at helping clients simplify their financial lives and pursue long-term goals. Aaron works closely with clients' families across generations, as well as their attorneys and CPAs, to maintain collaborative support in managing wealth. His areas of focus include employee financial health, legacy planning, liquidity management, retirement income, tax minimization, philanthropic planning, and socially responsible investing. Aaron earned a Bachelor's Degree in Finance from Arizona State University in 1993 and a Master's Degree from the University of Phoenix. He holds the CERTIFIED FINANCIAL PLANNER® (CFP) and Chartered Retirement Planning Counselor (CRPC) professional designations. He is also recognized as a Personal Investment Advisor (PIA). Aaron has been active in the Arizona community, serving on the Board of Directors for Lura Turner Homes and contributing as a Foundation Giving Member of the Delta Sigma Pi Leadership Foundation. He is an active distance runner and member of the Arizona Road Racers, volunteering regularly at trail races across the Southwest. Aaron’s professional approach focuses on developing personalized financial strategies through one-on-one collaboration, with a commitment to addressing clients' unique objectives and involving relevant advisors as needed.

Robert Beatty is a financial advisor with OSAIC based in Scottsdale, AZ, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has worked at Osaic Wealth, Inc. since 2018 and has roles at Vantage Financial Services dating back to 2017, among other prior positions. He is the owner and founder of C.O.R.E. Marketing, which provides marketing services for fixed and variable life insurance, annuities, and other insurance products to financial professionals. 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 supported by model-based asset allocation, portfolio optimization tools, and multiple program options, distinguishing itself through its large scale, complex affiliate network, and private-equity ownership.

Cheri Keene is a financial advisor with LPL Financial in Phoenix, AZ, holding Series 63 and Series 66 licenses and having 18 years of industry experience. She has worked at LPL Financial since 2015 and concurrently serves at the National Bank of Arizona since 2014. Keene also holds a role as a business development officer and trading manager at Zions Trust. 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 broad range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced operational and research tools.

Antonio Zapata is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and 21 years of industry experience. His prior roles include positions at AssetMark Brokerage, AssetMark Financial Holdings, Financial Engines Advisors, Wells Fargo Clearing, and The Vanguard Group. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management services supported by centralized custody and operational resources.