Bryan Cacchiotti is a financial advisor at Charles Schwab with 17 years of industry experience. He holds Series 63 and Series 66 designations and has worked with Charles Schwab and Charles Schwab Bank since 2007 and 2010, respectively. Outside of his advisory role, he serves as Treasurer and Board Member for Deer Valley Little League, where he is involved in field maintenance and financial decisions for the organization. Charles Schwab serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts, using multi-asset model portfolios and a centralized operational structure.

Matthew Kovarik is a financial advisor at Edelman Financial Engines in Phoenix, AZ, holding a Series 66 designation with 11 years of industry experience. He has worked with Financial Engines Advisors L.L.C. in various roles since 2016 and was previously with Equitable Advisors. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary investment options with an emphasis on diversified portfolios and long-term strategies.

Terrence O'Brien is a financial advisor at Charles Schwab & Co., Inc. in Phoenix, AZ, holding a Series 66 designation with eight years of industry experience. He has worked exclusively at Charles Schwab since 2018. 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 a combination of non-discretionary and discretionary investment solutions, supported by centralized custody and operational infrastructure.

Joshua Delnoce is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and 19 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2011. Delnoce holds a 50% ownership interest in EIKOS Capital Management, LLC, a separate investment-related business based in Phoenix, AZ. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services and integrates advisory offerings with other financial products and referral channels.

Mustafa Bilenler is a financial advisor with Edward Jones in Glendale, AZ, holding a Series 66 designation and 20 years of industry experience. Prior to joining Edward Jones in 2020, he worked at Sagepoint Financial, INC and Advisor Group. Edward Jones is a full-service wealth management firm serving both individual and institutional clients with a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm manages over $1 trillion in assets and operates a nationwide network of financial advisors and branch offices.

Matthew Ryan is a financial advisor at UBS Financial Services with one year of industry experience. He previously worked at Ameriprise Financial for five years and has a Series 66 designation. Outside of his advisory role, he is a partner in Desert Vista Partners, an LLC established as a holding company for potential business acquisitions. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining wealth management with institutional trading capabilities and proprietary research to tailor financial plans to clients’ goals and risk tolerances.

Kevin Bosworth is a financial advisor at Fidelity with five years of industry experience. He holds a Series 66 designation and has worked at Merrill and Fidelity Investments during his career. Prior to entering the financial industry, he was associated with Walden University and A New Hope LLC. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

Richard Gustafson Jr. is a Series 66-registered advisor with J.P. Morgan Securities in Glendale, AZ, bringing 11 years of industry experience. His prior roles include positions at Bank of America, Merrill, and Edward Jones. Since 2021, he has been with J.P. Morgan Securities and J.P. Morgan Chase Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program supported by centralized due diligence.

Nicholas Lenning is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 11 years of industry experience. He has operated his own firms, including Lenning & Associates and Lenning Tax and Accounting Services Inc, providing tax preparation, bookkeeping, and wealth management services. His experience spans both financial advising and accounting. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, operating a multi-manager platform with access to affiliated and third-party investment strategies.

Steven Rain is a financial advisor at Charles Schwab with eight years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab since 2017, including a role at Charles Schwab Bank since 2025. Prior to his investment career, he was employed by the Deer Valley Unified School District from 2012 to 2017. 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 operates a multi-asset model portfolio approach supported by centralized custody and order-routing arrangements.

Chad Spicer is a financial advisor with Charles Schwab, holding Series 65 and Series 66 licenses and possessing 18 years of industry experience. He has worked at Charles Schwab since 2020 and previously spent a decade with various USAA financial service entities. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a blend of non-discretionary investment guidance and access to affiliated discretionary managed accounts. The firm’s scale and integrated structure combine advisory, brokerage, and custody services with a distinctive operational approach that includes multi-asset portfolios and alternative investment options.

Kent Hughes is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 36 years of experience in the financial services industry. He is focused on building lifelong relationships with clients, educating them on wealth management strategies, and providing personalized advice to help meet their financial goals. Throughout his career, Kent has employed a goals-based approach that considers each client's risk tolerance, time horizon, and liquidity needs to develop tailored investment plans. His work also emphasizes retirement planning, helping clients understand how to manage their finances to ensure their money lasts throughout retirement. Kent holds a Bachelor's Degree from Wichita State University and holds the Personal Investment Advisor (PIA) designation. He was recognized by Barron's Magazine as one of the Top 1200 Financial Advisors for ten consecutive years as of 2019. In addition to his professional responsibilities, Kent participates in community volunteer activities in line with the Merrill tradition of community involvement.

Talon Seltzer is a CFP®-certified financial advisor with 11 years of industry experience, currently practicing at Charles Schwab in Phoenix, AZ. He has worked with Schwab Private Client Investment Advisory, Inc. and has been with Charles Schwab since 2015. 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 investment recommendations and access to discretionary separately managed accounts. The firm’s integrated structure combines advisory, brokerage, custody, and cash-sweep services with a centralized operational model.

Christopher Kunzler is a financial advisor with Charles Schwab in Phoenix, Arizona, holding a Series 66 designation and nine years of industry experience. He has been with Charles Schwab 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios alongside alternative investment options.

Gabriella Carbone is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and seven years of industry experience. Her work history includes roles at Charles Schwab Bank, Cyclebar, and Charles Schwab & Co., Inc., where she has been employed since 2018. 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 both non-discretionary advisory guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence from its research center.

Anthony Costabile is a financial advisor with Cetera based in Phoenix, AZ, holding a Series 66 designation and seven years of industry experience. Prior to joining Cetera in 2020, he worked at AXA Advisors LLC for one year and has held various roles outside finance, including positions at Gold Coast Football Club and educational institutions. He is the sole owner of Zebrette Wealth Management, a pass-through entity for his self-employment income. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party money managers, operating a multi-manager platform with more than $256 billion in assets under management.

Erik Jamsa is a financial advisor with Morgan Stanley in Peoria, AZ, holding a Series 66 license and 14 years of industry experience. He has worked with Morgan Stanley Smith Barney LLC since 2012 and Morgan Stanley Private Bank, N.A. since 2015. 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 utilizes structured planning tools and models to support its financial planning process.

Misty Barry is a financial advisor at Charles Schwab in Phoenix, AZ, with 30 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at various Schwab entities since 1995, including Schwab Private Client Investment Advisory, Inc. and Schwab Wealth Advisory Inc. 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 provides a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios, research, and a centralized operational structure.

Clayton Wasson is a financial advisor at UBS Financial Services in Phoenix, AZ, holding Series 63 and Series 65 licenses with three years of industry experience. His prior roles include positions at The Vanguard Group and various educational institutions. UBS Financial Services serves individual, corporate, and institutional clients offering brokerage and investment advisory services, combining proprietary research and model-based asset allocation to tailor financial plans. The firm blends institutional trading capabilities with wealth management services, providing access to capital markets, research, and proprietary investment products.

Shawn Quella is a financial advisor at LPL Financial with 12 years of industry experience. He holds a Series 66 designation and has worked at LPL Financial since 2018, following four years at Invest Financial Corp. Outside of his advisory role, Quella is involved as an insurance agent and has a business interest in an orchard-related entity. 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 financial planning and investment management services, utilizing both proprietary and third-party strategies supported by advanced operational tools.