Jacob Gold is a CFP® professional with 25 years of industry experience, currently serving at Cetera since 2021. He has held prior roles at VOYA Financial Advisors and has owned Jacob Gold & Associates, Inc., a financial services firm, since 2000. He is an associate faculty professor at the W.P. Carey School of Business at Arizona State University, teaching personal financial management, and serves on the Finance Advisory Board for Arizona State University as well as the Arizona Council on Economic Education. Gold is also the host of the Finance Roundtable Podcast and author of two books on financial topics. Cetera Investment Advisers LLC is an SEC-registered adviser providing services through a large nationwide network of independent advisors. The firm serves individual clients across wealth spectrums, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts, offering portfolio management, financial planning, and access to various third-party money managers through multiple program structures.

Jason Benedetti is a CFP® professional with 23 years of industry experience, currently affiliated with Cetera. His prior roles include positions at Mass Mutual Investors Services, METLIFE Securities Inc, and Massachusetts Mutual Life Insurance Company. He is part owner of In Touch Wealth Advisors and serves on the boards of several nonprofit organizations, including We Share, Inc., Caritas in Veritate International, and Mater Misericordiae Catholic Church. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, retirement plan, and institutional clients through a large nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management options, financial planning, and consulting services.

Tina Ornelas is a financial advisor at Vanguard Advisers with 14 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with Vanguard-affiliated firms since 2012. Outside of advisory work, she has been involved with Happy Camper Rentals AZ, LLC since 2025. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans by providing automated and human-supported investment advice through digital and personal advisory services. The firm employs a goal-based, algorithm-driven approach to asset allocation, primarily utilizing Vanguard funds and ETFs, and manages a large client base across more than 2,200 advisors.

Frank Nudo is a financial advisor at Osaic with 38 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Triad Advisors, Inc. and A. G. Edwards & Sons, Inc. Outside of his advisory role, he serves in executive capacities at several companies involved in cybersecurity, compliance, and financial services, including acting as president of Opulent Minds LLC, where he consults with clients on investment and financial planning. Osaic Wealth serves a diverse client base that includes 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 and portfolio optimization tools, and it is notable for its scale, complex affiliate network, and private-equity ownership.

Josiah Corey is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and two years of industry experience. Prior to joining Schwab, he held roles at Nike Incorporated and Target Corporation, among other positions. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals. The firm provides both non-discretionary advisory services through its Schwab Wealth Advisory program and access to discretionary separately managed accounts, combining a multi-asset portfolio approach with centralized custody and supervisory infrastructure.

Scott Duncan is a financial advisor at LPL Financial in Tempe, AZ, holding Series 66 and Series 63 licenses with five years of industry experience. He previously worked at Voya Financial Advisors and related Voya entities for several years before joining LPL Financial in 2026. 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 investment and advisory services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Daniel Geffre is a financial advisor with Edward Jones in Scottsdale, AZ, holding Series 63 and Series 66 credentials and 37 years of industry experience. He has been with Edward D. Jones & Co., L.P. since 1993. Outside of his advisory role, Geffre has taught a basic financial markets class through Moorhead Community Education. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, operates under a fiduciary standard, and maintains a large network of advisors and branch offices nationwide.

Jorge Ramos Terrazas is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. His prior roles include positions at Charles Schwab & Co., Inc. and The Vanguard Group, Inc. Outside of advisory work, he is a partner in a restaurant and bar business based in Phoenix, Arizona. Morgan Stanley Wealth Management offers a broad range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by structured discovery processes and firm-approved tools.

Linda Netjes is a financial advisor with Wells Fargo Clearing in Scottsdale, AZ, holding Series 63 and Series 65 licenses and 27 years of industry experience. She has worked with Wells Fargo entities since 2004, including Wells Fargo Investments, LLC, and currently serves as co-trustee for her spouse’s trust. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and other sources.

Krista Tarbox is a financial advisor with Ameriprise in Tempe, AZ, holding a Series 63 designation and 12 years of industry experience. She has been with Ameriprise and its affiliated entities since 2014. Ameriprise offers a retirement-income planning service designed for clients approaching or in retirement who meet specific asset criteria, providing detailed Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver these services, with a focus on assets held in Ameriprise-managed accounts.

Steven Ravnitzky is a financial advisor at Morgan Stanley in Scottsdale, AZ, with 38 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley and its affiliates since 2002. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools combined with research-based modeling to support its financial planning process.

Allen Lorenzi is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His career includes roles at Wells Fargo Advisors Financial Network and Citigroup Global Markets. Lorenzi is based in Scottsdale, AZ. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports its advisors with model portfolios, third-party subadvisors, and technology tools, managing over $819 billion in discretionary assets through a large network of investment adviser representatives.

Derek Tryder is a financial advisor at OSAIC with eight years of industry experience. He holds Series 63 and Series 66 licenses. His prior roles include positions at Royal Alliance Associates, GWFS Equities, John Hancock Distributors, and Putnam Investments. OSAIC Wealth serves a diverse range of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization, supporting various strategies and third-party manager selections.

Richard Smith is a financial advisor with Cetera in Scottsdale, AZ, holding Series 63 and Series 65 licenses and having 32 years of industry experience. His prior roles include positions at First Financial Equity Corporation and participation in the United States Marshals Posse. He also works as an insurance agent selling life, annuities, and long-term care products. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, overseeing more than $256 billion in assets through over 10,000 advisors.

Robert Metz is a CFP®-designated financial advisor with 34 years of industry experience. He is currently with LPL Financial and has previously worked at OSAIC, Woodbury Financial Services, and 1717 Capital Management Company. 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 financial planning and investment management solutions, including model portfolios, third-party asset management access, and institutional platforms.

Tyler Stringer is a financial advisor at Equitable Advisors with two years of industry experience. He holds the Series 66 designation and has previous work experience at Handley Precast Systems Inc, Miller Wolman CPAs PLLC, and Grand Canyon University. Equitable Advisors serves individual and institutional clients, providing financial planning, retirement plan consulting, and asset management programs. The firm delivers services through a network of Investment Adviser Representatives, utilizing both proprietary and third-party advisory programs.

Brandon Booker is a Series 66-licensed financial advisor with seven years of industry experience. He is currently with Vanguard Advisers in Scottsdale, AZ, where he has worked since 2019, including prior roles at Charles Schwab and Securities America. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through a combination of automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach using proprietary methodologies to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Vanessa Mason is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 21 years of industry experience. Her career includes roles at firms such as RBC Capital Markets, Comerica Securities, and USAA Investment Services. She is currently based in Fountain Hills, AZ. 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, and institutional platforms, supporting its network of over 22,800 advisors.

Jessica Catalan is a financial advisor with LPL Financial, holding a Series 66 designation and 15 years of industry experience. She has worked with LPL Financial since 2021 and has been affiliated with Waddell and Reed, Inc. and various insurance carriers through W & R Insurance Agencies since 2010. Outside of her advisory role, she has served as a for-profit board member with BNI in Phoenix, AZ. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing multiple strategies and advisor-facing technologies while overseeing substantial discretionary assets through a large network of advisors.

Saeed Zarkharidi is a financial advisor at OSAIC with 27 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Sagepoint Financial, INC and OSAIC Services, Inc. He is also involved as a real estate agent, assisting friends and family with buying and selling properties. OSAIC serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization and supports a range of investment programs delivered via affiliated broker-dealer and RIA relationships.