Kyle Pogson is a financial advisor at Vanguard Advisers with a Series 66 designation and one year of industry experience. His background includes roles at The Vanguard Group, Vanguard Marketing Corporation, and previous positions outside the financial sector. He has also worked in education and technology sectors earlier in his career. Vanguard Advisers provides automated and human-supported investment advice through services like Vanguard Digital Advisor and Vanguard Personal Advisor, primarily serving retail investors and eligible employer-sponsored retirement plan participants. The firm uses a goal-based, algorithm-driven investment approach with portfolios constructed mainly from Vanguard funds and ETFs, offering a high client-to-advisor ratio and a range of customization options.

William Glennon is a financial advisor with Morgan Stanley located in Fort McDowell, AZ, holding Series 63 and Series 65 designations and bringing 29 years of industry experience. His prior roles include positions at UBS Financial Services and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and research from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and provides services through various planning and investment platforms.

Jennifer Johnson is a financial advisor at OSAIC with 23 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Woodbury Financial Services, Cambridge Investment Research Advisors, and Ameritas Investment Corp. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios across various asset classes.

Jennifer Vo is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. She has been with Vanguard Marketing Corporation and THE Vanguard Group, Inc. since 2007. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach primarily using Vanguard funds and ETFs, supported by a large team of advisors and a digital platform.

Maxwell Cocreham is a financial advisor with Charles Schwab in Scottsdale, AZ, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Charles Schwab Bank, full-time education, digital dental, Salt River Project, and Behind The Mask. Outside of advising, he co-owns an online reselling business. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients 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 guidance and access to discretionary separately managed accounts, supported by a centralized operational structure and research-backed investment models.

Nathan Ring is a CFP® with 12 years of industry experience, currently serving as an advisor at Vanguard Advisers since 2014. He holds a Series 63 license and is based in Scottsdale, AZ. Ring's career has been exclusively with The Vanguard Group, Inc. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach and manages portfolios primarily with Vanguard funds and ETFs, serving a large client base through its combination of digital platforms and a broad advisory team.

Kyle Oreshack is a CFP® with 15 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He has previously worked at Vanguard Advisers and COUNTRY Insurance Affiliates. Oreshack is also an associate at Desert Financial Wealth Management in Scottsdale, AZ. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public finance work through unique affiliations.

David Cargill is a financial advisor with LPL Financial in Scottsdale, AZ, holding Series 63 and Series 65 licenses and six years of industry experience. Prior to joining LPL Financial in 2022, he worked at Integrated Financial Group and OJM from 2020 to 2022, and was involved with the Fellowship of Catholic University Students for three years. Outside of his advisory role, he is a business owner of The Lettermen in Phoenix, AZ. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a broad range of advisory programs and financial planning services, utilizing discretionary and non-discretionary management supported by model portfolios and research.

Caitlin Burgos is a financial advisor with Vanguard Advisers, holding a Series 66 designation and four years of industry experience. She has been with Vanguard and its affiliates since 2022, and previously worked in a variety of roles including positions at Randstad and American Campus Community. Vanguard Advisers offers a combination of automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary models to construct portfolios primarily from Vanguard funds and ETFs, with various tax-aware and customization features.

Bryan Davidson is a financial advisor at UBS Financial Services with 18 years of industry experience. He holds a Series 66 designation and previously worked at LPL Financial and BMO Harris Financial Advisors. Outside of his advisory work, he is involved in managing vacation rental properties through an LLC. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory offerings, leveraging proprietary research and model-based asset allocations to tailor client portfolios. The firm integrates institutional trading capabilities with wealth management, providing a diverse set of capital markets and financial planning services.

Mason September is a financial advisor at Morgan Stanley with three years of industry experience. He holds the Series 66 designation and has prior work experience at Loan Depot, Caliber Home Loans, and several other companies outside the financial sector. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

Sonja Ryan is a financial advisor with Wells Fargo Clearing in Scottsdale, AZ, holding a Series 63 designation and bringing 39 years of industry experience. She has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets with over 14,000 financial advisors and offers both brokerage and advisory solutions.

Jennifer Attwood is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2012. She holds a Series 63 license and is based in Scottsdale, AZ. Her entire advisory career has been with The Vanguard Group, Inc. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs, offering various customization options and tax-aware features.

Lisa Jackson is a financial advisor at Cetera with 26 years of industry experience. She holds a Series 66 designation and has held roles at Avantax Advisory Services, 1st Global Advisors, and currently owns a CPA firm, Whitman & Jackson CPAs PC. Jackson also serves as a trustee for a family living trust and is involved in managing financial and accounting operations for advisory business-related entities. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers portfolio management, financial planning, and access to third-party money managers through a multi-manager platform with a variety of program structures and custodial relationships.

Ronald Davies is a financial advisor at LPL Financial with 23 years of industry experience. He holds the Series 66 designation and previously worked at Kestra Advisory Services and Kestra Investment Services for seven years. His outside business activities include ownership of RTD Financial LLC, a non-investment-related entity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by research, model portfolios, and technology-driven solutions.

Scott Kauls is a Wealth Management Advisor with Merrill Lynch Wealth Management. In his role, he assists clients in identifying and pursuing their financial goals throughout various stages of life. He emphasizes personalized planning tailored to each client's unique ambitions and priorities. Scott's expertise includes retirement planning, education funding, healthcare cost planning, and legacy creation. He holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from Luther College. Outside of his professional responsibilities, Scott engages in basketball, golfing, photography, pickleball, and yoga.

Matthew Welgat is a financial advisor at LPL Financial with 22 years of industry experience. He holds Series 63 and Series 66 registrations and previously worked at Sigma Financial Corporation and Sigma Planning Corporation. In addition to his advisory work, he is a licensed attorney and operates Welgat Law Offices, LLC. LPL Financial is a nationally registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations, offering a range of advisory programs, retirement plan consulting, and brokerage services supported by comprehensive research and model portfolio options.

Jennifer Pope is a financial advisor at UBS Financial Services with 35 years of industry experience. She has been with UBS since 2003. She holds Series 63 and Series 65 licenses. UBS Financial Services Inc. serves individual, corporate, and institutional clients with 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.

Carole Hall is a financial advisor with Morgan Stanley in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. She has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and previously with Citigroup Global Markets starting in 1994. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and modeling techniques, with approximately $2.74 trillion in client assets under management.

Dru Ashcraft is a financial advisor with Osaic Wealth, Inc. based in Scottsdale, AZ, holding Series 63, 65, and 66 credentials and 19 years of industry experience. He has worked at Royal Alliance since 2014. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm utilizes proprietary asset-allocation tools and supports various managed-account solutions across a complex corporate and platform structure.