Thomas Lawless is a CFP® with 37 years of industry experience, currently serving as a financial advisor at Commonwealth Financial Network and Ke Wealth Advisors since 2019. Prior to that, he worked at Ameriprise Financial Services, Inc. for 14 years. He is also a part owner of Ke Wealth Advisors. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients with advisory programs, wealth management, and retirement plan consulting. The firm provides operations, trading, technology, investment management, compliance, and practice-management support, enabling advisors to construct portfolios from a wide range of securities and insurance products.

Richard Beckley is a CFP® professional with 37 years of industry experience. He is currently affiliated with Primerica Advisors and Park Avenue Securities, having worked with Primerica since 1999 and Guardian Life Insurance Company since 1998. Beckley also engages in the sale of insurance products beyond Guardian Life. Park Avenue Securities serves a diverse retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers both brokerage and advisory services, utilizing a range of proprietary and third-party investment strategies across various account types.

Heather Adams is a financial advisor with First Citizens Investor Services, Inc. in Phoenix, AZ, holding Series 63 and Series 65 licenses and nine years of industry experience. Her career includes roles at Wells Fargo Clearing and Wells Fargo Advisors, as well as prior experience at Target Corporation. First Citizens Investor Services, Inc. serves a diverse client base including individuals, pension plans, charitable organizations, and businesses, offering advisory and brokerage services through its IARs and third-party portfolio managers. The firm employs a client-centered process combining financial need assessments with various analytical approaches to portfolio allocation across multiple asset classes.

David Nieto is a CFP® professional with 11 years of industry experience, currently advising clients at Schwab Wealth Advisory in Phoenix, AZ. He has been with Schwab Wealth Advisory since 2017 and affiliated with Charles Schwab since 2014. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools. The firm focuses on wealth management education and investment recommendations, leaving final trading decisions to clients, with periodic account reviews rather than discretionary management.

Jennifer Foster is a financial advisor at Commonwealth Financial Network with 15 years of industry experience. She holds a Series 66 designation and has worked at BlackRock since 2013. Foster is also the owner of Saving Cents, Inc., a private entity established to facilitate securities, advisory, and insurance business. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing a range of advisory programs and services. The firm offers operations, trading, technology, investment management, compliance, and practice-management support to affiliated advisors who deliver advice under Commonwealth’s supervision.

Martin Czerwonka is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. His prior roles include positions at USAA Financial Advisors and USAA Investment Services Company. Outside of his advisory work, he is an owner of a cabin that he occasionally rents through Airbnb. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools to guide investment recommendations while leaving final trading decisions to clients.

Brian Hughes is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ. He holds a Series 66 designation and has eight years of industry experience. His prior work includes roles at Charles Schwab & Co., Bank of America, and Merrill Lynch. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations across a variety of asset classes. The firm operates within the Schwab ecosystem and emphasizes client-directed decision-making supported by Schwab’s research tools and standard asset allocation models.

Brett Blau is a financial advisor at Focus Partners Wealth, LLC in Scottsdale, AZ, holding a Series 65 designation with three years of industry experience. His prior roles include positions at Prairie Capital Management Group, LLC and DeMarche, along with experience outside finance in education and hospitality. Focus Partners Wealth serves individual, high-net-worth, family office, corporate, retirement plan, and institutional clients, offering a range of investment management and wealth services. The firm follows a long-term, tax- and fee-sensitive investment approach using enhanced open architecture and integrates reporting and advice across managed and held-away assets.

Anne Sailer is a financial advisor at Schwab Wealth Advisory with 23 years of industry experience. She holds the ChFC® designation as well as Series 63 and Series 65 licenses. Before joining Schwab in 2019, she worked at USAA in various financial advisory and investment management roles for 12 years. Outside of her advisory work, she is an author of non-financial books, including journals and guides on topics such as quilting and children’s literature. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using standardized asset allocation models and research tools. The firm conducts annual account reviews and delivers investment recommendations across a broad range of securities, while clients retain final trading decisions.

Benjamin Shannon is a financial advisor at Schwab Wealth Advisory with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Schwab Wealth Advisory since 2025 and Charles Schwab since 2017. Prior to his financial services career, he spent one year at Tyler Allen Law Firm and attended Arizona State University for four years. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across a range of securities. The firm uses Schwab’s asset allocation models and research tools, with advisors recommending investments while clients retain final trading decisions.

Tyson Sterling is a financial advisor with United Planners Financial Services of America, holding Series 65 and Series 66 credentials and 24 years of industry experience. He has been with United Planners since 2010 and also operates as an independent insurance agent specializing in non-variable insurance. Sterling served with the Arizona Interscholastic Association for 14 years and is involved with Jaimee Rose Style LLC, a defined benefit pension plan employer. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, and institutional clients. The firm offers financial planning, portfolio management, retirement plan services, and brokerage solutions through an open-architecture platform utilizing multiple custodians and third-party money managers.

Rebecca Kennell is a CFP® professional with 25 years of experience in the financial services industry. She has been with Commonwealth Financial Network since 2004. Outside of her advisory role, she is involved in music and entertainment as a consultant and owns Musica, LLC, a concert production and support company. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides advisory programs, wealth management, and retirement plan consulting, supporting advisors with operations, trading, technology, investment management, compliance, and practice management.

Eddie James is a financial advisor at Brookstone Capital Management LLC with six years of industry experience. He holds the Series 66 designation and has worked at several firms including Raymond James and Spring Venture Group. In addition to his advisory role, he is involved in insurance sales. Brookstone Capital Management is an SEC-registered adviser that provides fee-based asset management and financial planning through a turnkey asset management platform and wrap-fee program. The firm serves a broad client base including individuals, retirement plans, corporations, charitable organizations, other registered investment advisers, sovereign wealth funds, and banking or thrift institutions.

Cole Bialek is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and three years of industry experience. He has worked at Schwab Wealth Advisory Inc. since 2025 and has prior experience at Charles Schwab and The Porch. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools to support investment recommendations, with final trading decisions made by clients. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

Jacob Nordquist is a CFP®-designated financial advisor with Schwab Wealth Advisory in Phoenix, AZ, bringing three years of industry experience. Before joining Schwab, he worked in the restaurant industry, including roles at Gen Korean BBQ and PK Shabu. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning discussions, and investment recommendations utilizing Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not exercise discretionary trading authority.

Stephanie Odell is a financial advisor at Janney Montgomery Scott with 15 years of industry experience. She holds the Series 63 and Series 66 designations and has worked previously at Wells Fargo Clearing Services LLC and PNC Investments LLC. In addition to her advisory work, Odell owns Stephanie Odell Studio in Fountain Hills, AZ, where she creates and sells stained glass, fabric, and paper art. Janney Montgomery Scott LLC is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves individuals, families, trusts, corporate clients, and more, offering brokerage services, financial planning, and advisory programs supported by both in-house and third-party portfolio management.

Jeffrey Withrow is a CFA® charterholder with 16 years of experience in the financial industry. He is currently affiliated with RBC Rochdale, LLC and has worked at CNR Securities, LLC since 2012. Outside of his advisory role, he co-manages a short-term rental property through JW2 Capital, LLC with his wife. RBC Rochdale serves a diverse client base including high net worth individuals, corporations, and charitable organizations, providing discretionary and non-discretionary portfolio management among other services. The firm employs an active, multi-strategy investment approach that integrates quantitative modeling and fundamental analysis supported by proprietary tools.

Joshua Lawson is a financial advisor at Focus Partners Wealth, LLC with 13 years of industry experience. He holds the Series 66 designation and has worked at firms including Churchill Management Group, Charles Schwab, and TD Ameritrade. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, high-net-worth families, family offices, retirement plans, institutions, and businesses. The firm employs a long-term investment approach that emphasizes tax- and fee-sensitivity within an enhanced open architecture framework combining various strategies and managers.

Michael Gobbato is a financial advisor at TIAA-CREF with 17 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Morgan Stanley Private Bank and USAA Financial Advisors. Outside of his advisory work, he is the COO of Ambitious Stryk LLC, a soccer clothing vendor for a yearly soccer tournament. TIAA-CREF Individual & Institutional Services provides financial planning and managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm offers both point-in-time planning services and ongoing discretionary portfolio management, with a fiduciary standard applied to its advisory services.

Abigail King is a financial advisor at Schwab Wealth Advisory with a Series 66 license and two years of industry experience. Prior to joining Schwab, she held positions in education and worked with organizations such as Learn 2 Rip Surfing and Ocean Academy and Stryve Foods. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within Charles Schwab, focusing on client-directed investment decisions without discretionary trading authority.