Brandon Capps is a financial advisor at Guardian Life with over 21 years of industry experience. He holds Series 63 and Series 66 licenses and has been associated with Park Avenue Securities and Guardian Life Insurance for the past 10 years. Outside of his advisory role, he is involved with the Kansas Pharmacist Association, assisting with member recruitment and promoting association benefits. Park Avenue Securities, doing business as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser serving individuals, plans, charitable organizations, and corporate clients. The firm provides a range of brokerage and advisory services, including proprietary and third-party investment programs and tailored financial planning solutions.

Hannah Krumreich is a CFP® professional with 11 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory. She has prior experience with JP Morgan Securities LLC and Fidelity Brokerage Services LLC. Her career includes various roles within Charles Schwab entities dating back to 2018. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, serving clients with investment recommendations and annual financial reviews using Charles Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

John Kissam is a CFP® with eight years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. Prior to joining Schwab in 2025, he worked at JPMorgan Chase Bank and J.P. Morgan Securities, and held roles at Wells Fargo Bank and Lyft. He is also a managing member of Treehaus LLC, a real estate-related business. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, delivering services that include financial reviews, retirement planning, and investment recommendations utilizing Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not act as a discretionary portfolio manager for most clients.

Elizabeth Duran is a financial advisor at Schwab Wealth Advisory with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has previous roles at Wells Fargo Bank, Bank of America, and Merrill. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, focusing on financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not provide discretionary portfolio management.

Mubera Madar is a CFP® professional with 26 years of industry experience, currently serving at Schwab Wealth Advisory since 2022. She has been associated with Charles Schwab in various capacities since 2000. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab’s asset allocation models and research tools, with an emphasis on client-directed final trading decisions.

Jacob Guttman is a financial advisor with CWM, LLC based in Phoenix, AZ. He holds Series 63 and Series 65 licenses and has nine years of industry experience. His prior roles include positions at Rosevest Financial, Geneos Wealth Management Inc, and United Planners. Outside of advisory work, he manages several business ventures including JAG Ventures LLC, Guttman Tax Advisory Group LLC, and Guttman Financial Group. CWM, LLC is an SEC-registered investment adviser serving a diverse client base that includes individuals, high-net-worth families, foundations, and institutional clients through a network of more than 600 advisors. The firm offers portfolio management, financial planning, and retirement-plan services, utilizing an investment approach that combines fundamental and technical analysis, third-party sub-advisors, and customization tools.

Richard Keiser is a financial advisor at Schwab Wealth Advisory with nine years of industry experience. He holds a Series 66 designation and has previously worked at firms including Fidelity Investments, Empower Advisory Group, TIAA-CREF, and Wells Fargo Clearing. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients participating in the Schwab Wealth Advisory program, offering services such as annual financial reviews and investment recommendations based on Schwab’s research tools. The firm operates within the Schwab ecosystem and does not exercise discretionary trading authority, distinguishing its model from many other enterprise wealth managers.

Brittney Deese is a financial advisor with United Planners' Financial Services of America, holding a Series 66 designation and 11 years of industry experience. Her prior roles include positions at Northwestern Mutual Wealth Management Company and M Scott Henegar. She is based in Scottsdale, AZ. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, and institutional clients. The firm operates an open-architecture platform with multiple custodians and money managers, offering both fee-based and commission-based options through a network of 477 independent advisors.

Chadi Mneiny is a CFP® with nine years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. He previously worked for The Vanguard Group, Inc. for over eight years before joining Charles Schwab & Co., Inc. and Schwab Wealth Advisory in 2026. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice primarily to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools to support client-directed investment decisions. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, distinguishing its service model from many other wealth managers.

Tod Ross is a financial advisor with Principal Financial Services in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. His prior roles include positions at Equitable Advisors, Allstate Financial Services, PFS Investments, and Primerica Financial Services. He is also registered as a representative for fixed insurance products such as life, disability, annuities, and long-term care. Principal Securities provides brokerage and registered investment advisory services to a wide range of clients, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers financial planning, retirement plan consulting, and access to third-party money manager solutions, utilizing both adviser and promoter arrangements to support client investment management.

James Hebets II is a financial advisor with Kestra Advisory in Phoenix, AZ, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has been with Kestra Advisory since 2016 and Kestra Investment Services, LLC since 2012. Outside of advisory work, Hebets serves on multiple nonprofit boards including Future For Kids, Honor Health Foundation, and Finseca Foundation, and he is the owner and CEO of Life Masters Classes, a lead generation and education content business. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base, including institutional and individual investors. The firm offers fiduciary consulting, plan design, employee education, and access to multiple management platforms, serving large clients such as sovereign wealth funds and pooled employer plans.

Hunter Giboney is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. His prior experience includes roles at Charles Schwab, Charles Schwab Bank, Ameriprise Financial Services, Zeiders Enterprises, and AllState Insurance Company. He holds Series 63 and Series 66 registrations. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice through standardized asset allocation models while leaving final trading decisions to clients.

Rylee Good is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and based in Phoenix, AZ. Good has one year of industry experience and previously worked in the food service industry before entering financial services. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering services such as financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates internally within the Schwab ecosystem and does not charge clients directly for its services.

Jennifer Senft is a financial advisor at TIAA-CREF with 20 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, Vanguard Advisers, Inc., and operated her own advisory business. Senft’s experience also includes a role with Overstock Voice. TIAA-CREF Individual & Institutional Services provides financial planning and managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected through TIAA-administered employer retirement plans. The firm offers discretionary management with varying portfolio customization and acts as adviser to a donor-advised fund sponsored by Charityvest.

Tamara Mark is a financial advisor with Beacon Pointe Advisors, LLC, holding Series 66 and Series 63 credentials and possessing 10 years of industry experience. She has worked at several firms including Purshe Kaplan Sterling Investments, Inc., Landmark Wealth Management Group, and Thrivent Financial for Lutherans. In addition to her advisory role, she is an insurance agent with Beacon Pointe Insurance Services, LLC. Beacon Pointe Advisors provides wealth advisory, consulting, financial planning, retirement-plan platform services, and outsourced chief investment officer services to individuals, corporations, and institutional clients. The firm employs a combination of asset-allocation modeling and third-party independent managers across active and passive strategies, offering comprehensive portfolio management and performance reporting.

Chad Sager is a financial advisor at Schwab Wealth Advisory with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and its affiliated entities since 2013. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses standard asset allocation models and Schwab research tools to recommend investments, with clients making final trading decisions, and conducts at least annual account reviews without exercising discretionary trading authority.

Robert Carnegie III is a CFP® professional with three years of industry experience. He is currently with Focus Partners Wealth, LLC and has prior experience at The Colony Group, LLC, HoyleCohen, LLC, Huntington Bank, and BNY Mellon. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, families, institutions, and businesses. The firm employs a long-term, tax- and fee-sensitive investment approach within an enhanced open architecture framework that integrates active and passive strategies, private funds, and other investment vehicles.

Samantha Jarvey is a CFP®-certified financial advisor with 15 years of industry experience. She is currently with Schwab Wealth Advisory, where she has worked since 2022. Her previous experience includes roles at Cambridge Investment Research Advisors and Wells Fargo Clearing. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates within the Schwab ecosystem and does not serve as a discretionary portfolio manager for most clients.

Jenna Thornton is a CFP® and ChFC® with 21 years of industry experience, currently affiliated with United Planners' Financial Services of America as a Limited Partner. She has held various roles since 2008, including involvement with Synergy Accounting Solutions and co-ownership of Black Bear Market, LLC, a personalized products business. Thornton also serves as secretary/treasurer of the Washington Park HOA in Payson, AZ. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base through independent advisors. The firm manages approximately $12.77 billion in assets, primarily on a non-discretionary basis, and supports advisors with a limited-partnership ownership structure and advisor transition programs.

Robert Olson is a financial advisor with TLG Advisors, Inc. based in Scottsdale, AZ, holding Series 63 and Series 65 licenses and 27 years of industry experience. His prior roles include positions at Kestra Advisory, M Holdings Securities, WealthPoint, and Polaris Insurance Advisors. He is also the owner of Pivotal Financial & Insurance PLLC, where he consults clients on insurance and business solutions. TLG Advisors, Inc. serves a diverse client base including individuals, high-net-worth clients, trusts, charitable organizations, corporations, and institutional investors. The firm provides portfolio management, financial planning, and fiduciary services, employing a manager selection process grounded in fundamental analysis and Modern Portfolio Theory, and offers a digital investment platform called Starlight Portfolios.