Ryan Vena is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has been with Schwab Wealth Advisory since 2019 and has prior experience at Charles Schwab Bank and Charles Schwab. Outside of his advisory work, he operates a running coaching business on weekends through an LLC he founded. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses standard asset-allocation models and internal research tools to tailor recommendations aligned with clients’ goals and risk tolerance.

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 with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 designations and 12 years of industry experience. He has been with Schwab Wealth Advisory since 2016 and with Charles Schwab since 2013. Outside of his financial advisory role, he is involved in a gate fabrication business. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is guided by proprietary asset-allocation models and internal research, with recommendations tailored to individual goals and risk tolerance.

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 firms including Arizona Federal Credit Union, CUSO Financial Services, L.P., and LPL Financial. Osaic Institutions, Inc. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating with a hybrid adviser/broker-dealer structure and emphasizing a model that delegates investment management to its adviser representatives.

Carl Stryker is a financial advisor with Foundations Investment Advisors LLC, holding a Series 65 credential and one year of industry experience. He previously worked at Driven Wealth and has been involved with Retiree Plans Inc for over 30 years. Outside of advising, he owns and operates Driven Wealth, where he provides insurance and annuity solutions along with administrative support for estate planning services. Foundations Investment Advisors serves a broad client base including individuals, high-net-worth clients, employer-sponsored retirement plans, and registered investment companies. The firm uses a combination of fundamental, technical, and cyclical analysis and offers services such as investment management, financial planning, and tax coordination through a network of affiliated offices and 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 Inc. in Phoenix, AZ, holding Series 63 and Series 66 credentials and possessing 28 years of industry experience. She has worked with Charles Schwab and Schwab Wealth Advisory since 2004. Outside of her advisory role, she is involved in Life Recovery Wellness, a business focused on selling protein drinks and nutritional supplements to fitness-oriented customers. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on standard asset-allocation models and internal research tools, with client authorization required for trades and an emphasis on tailored recommendations aligned with individual goals and risk tolerance.

Trace Udall is a CFP® with 30 years of experience in financial advisory services, currently with Kestra Advisory since 2025. He previously worked at Commonwealth Financial Network for 11 years and operated Udall Financial LLC for three decades. Outside of advisory work, he serves as managing member of BILTMORE TRAVEL LLC, a travel agency established to support personal travel needs for friends and family. Kestra Advisory provides investment advisory and retirement-plan consulting to a range of institutional and individual clients, offering services including fiduciary consulting, plan design, and employee education. The firm serves large institutional investors and employs multiple management platforms and third-party solutions within a supervised framework.

Tracy Tennant is a financial advisor at Fifth Third Securities, Inc. in Phoenix, AZ, holding Series 63 and Series 65 credentials with six years of industry experience. She has been with Fifth Third Securities since 2020 and has a longer tenure at Fifth Third Bank beginning in 2014. Fifth Third Securities serves a diverse client base including high-net-worth individuals, corporations, trusts, and retirement accounts through investment advisory and brokerage services. The firm offers multiple managed account programs on the Passageway platform, providing access to various portfolio management options and strategies.

Seth Bergquist is a financial advisor at Schwab Wealth Advisory with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with firms including USAA Investment Management Company and USAA Financial Advisors, Inc. prior to joining Schwab Wealth Advisory. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and internal research, with tailored recommendations delivered through annual reviews.

Alison Stine is a CFP® professional with 11 years of experience in financial advising, currently with GWN Securities Inc. She previously worked at Equitable Advisors and Axa Advisors. In addition to her advisory role, she serves as an associate board member for the Boys & Girls Club of Greater Scottsdale. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm manages approximately $3.65 billion across more than 37,000 accounts and offers a range of investment programs including SMA, UMA, and fund-strategist options on the Fidelity-supported FMAX platform.

Brent Mekosh is a CFP® professional with 27 years of industry experience, currently serving as a financial advisor at Concurrent Investment Advisors, LLC. His prior experience includes roles at Raymond James Financial Services and Purshe Kaplan Sterling Investments. He is also the owner of Mekosh Financial Services, where he manages internal operations and compliance functions. Concurrent Investment Advisors, LLC is an SEC-registered multi-team advisory firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm offers customized, primarily long-term wealth and investment management solutions supported by a network of approximately 286 advisors.

John Pettee is a CFP® professional with 25 years of experience in financial advising. He is currently with Schwab Wealth Advisory and has held various roles within Charles Schwab since 2013. Prior to that, he worked at USAA Financial Planning Services for eight years. Outside of finance, he performs as a guitarist and singer providing musical entertainment at local venues. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory (SWA) program, offering non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice relies on Charles Schwab & Co.’s asset-allocation models and internal research and involves client-authorized trades with at-least-annual reviews tailored to client goals and risk tolerance.

Yulia Schneider is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing seven years of industry experience. Her prior roles include positions at Vanguard Advisers and The Vanguard Group, Inc., as well as managing Schneider Wealth Management and working at Schneider & Associate, CPAs, PC. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, offering non-discretionary fiduciary investment advice, financial planning, and point-in-time wealth management consultations. The firm’s recommendations are based on Charles Schwab’s asset-allocation models and internal research, with services tailored to clients’ goals and risk tolerance.

Ariyeh Waite is a financial advisor with Guardian Life, holding a Series 66 designation and one year of industry experience. Prior to joining Guardian Life and Park Avenue Securities, he worked at Pacific Advisors and has a diverse employment background including roles at Grimms Fuel Service, Autozone, Target, and KingPins. Park Avenue Securities LLC, a wholly owned subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a range of financial planning and investment solutions, combining advisor-led discretionary management with model-based strategies and digital advisory options.

Albert Nisanov is a CFP®-designated financial advisor with 22 years of industry experience. He is currently with Schwab Wealth Advisory and Charles Schwab & Co., Inc., where he has worked since 2026. Prior to that, he spent 20 years at The Vanguard Group, Inc. Outside the financial industry, Nisanov has experience owning and operating barber shops. Schwab Wealth Advisory, Inc. serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm employs proprietary asset-allocation models and research tools, offering recommendations tailored to clients' goals and risk tolerance without exercising discretionary trading authority.

Steven Rustik is a CFP® with 26 years of industry experience and has been with D.A. Davidson & Co. since 2009. Based in Scottsdale, AZ, he holds Series 63 and Series 65 registrations. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including employer-sponsored retirement plans, individual investors, charitable organizations, and corporate clients. The firm offers a range of services such as ERISA retirement plan advisory, wrap fee programs, comprehensive financial planning, and a private wealth program for high-net-worth clients, operating under fiduciary standards with both qualitative and quantitative investment analysis.

Alec Wick is a financial advisor with United Planners Financial Services of America and holds a Series 65 designation. He has one year of industry experience and has previously worked with Northwestern Mutual Life Insurance Company and Puccio Investment Services. Outside of financial services, he has experience working at Pleasant Valley Golf Course. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base that includes individual investors, retirement plans, corporations, trusts, estates, and institutional clients. The firm offers advisory and brokerage services through independent Investment Adviser Representatives, utilizing a mix of custodians and third-party managers, with a notable emphasis on non-discretionary account management.

Sha Vere Yarde is a financial advisor with Schwab Wealth Advisory, Inc., holding Series 63 and Series 66 credentials and four years of industry experience. Prior to joining Schwab Wealth Advisory in 2025, Yarde worked at Charles Schwab & Co., Inc. and has experience as a wholesale car dealer through Top Car Yarde LLC. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach is based on Charles Schwab’s asset allocation models and internal research, offering tailored recommendations and oversight without exercising discretionary trading authority.