Jeffrey Miller is a financial advisor at Merrill with 17 years of industry experience. He holds Series 63 and Series 65 registrations and has been with Merrill and Bank of America since 2011. Prior to that, he spent a year at Morgan Stanley. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary strategies for a range of clients, including individuals, high-net-worth clients, and charitable organizations.

Oscar Lopez Garcia is a CFP® with seven years of industry experience, currently serving as a financial advisor at Vanguard Advisers. His work history includes roles at Vanguard Marketing Corporation and The Vanguard Group, as well as prior positions at Research Triangle Institute, Headway, and Arizona State University. Vanguard Advisers provides automated and human-supported investment advice through services such as Vanguard Digital Advisor and Vanguard Personal Advisor, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models to create personalized portfolios, largely constructed from Vanguard funds and ETFs.

Melissa Rugo is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 66 and Series 63 licenses and one year of industry experience. Her prior roles include positions at Morgan Stanley and United Services Automobile Association (USAA). Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, primarily serving retail investors and eligible employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach and manages a large client base with a combination of proprietary models and Vanguard fund portfolios.

Cody Roe is a CFP® professional with 25 years of experience, currently affiliated with Vanguard Advisers where he has worked since 2013. His career includes multiple periods of self-employment and a long tenure with The Vanguard Group and Vanguard Marketing Corporation beginning in 2000. Outside of his advisory work, he performs as a guitarist and singer in a local band in Scottsdale, AZ. Vanguard Advisers provides both automated and human-supported investment advice, serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach utilizing Vanguard funds and ETFs, offering a wide range of customization options through its large-scale digital platform.

Jason Robinson is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 licenses and 19 years of industry experience. His prior roles include positions at Morgan Stanley Smith Barney LLC, United Services Automobile Association (USAA), and Abide Consulting Group LLC. He also serves as a FINRA non-public arbitrator. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary methodologies and mainly invests in Vanguard funds and ETFs, offering a range of customization options.

Andrea Martins is a Series 66 licensed financial advisor with six years of industry experience. She has worked at Osaic since 2022 and previously held roles at Securities America Advisors and EMS, Inc. Martins is based in Scottsdale, Arizona. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers brokerage and advisory services with an investment approach centered on model-based asset allocation, portfolio optimization, and a range of customizable strategies.

Tina Anne Mc Donald is a Series 63 licensed financial advisor with Ameriprise in Scottsdale, AZ, bringing 22 years of industry experience. Prior to joining Ameriprise in 2022, she worked for Wells Fargo Clearing from 2016 to 2022. She also maintains a cosmetology license outside of her financial advisory work. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning that includes written recommendation reports and ongoing annual advice focused on tax-aware withdrawal strategies and dependable income sources.

David Gray is a CFP® professional with 27 years of industry experience, currently serving as a financial advisor at LPL Financial since 2009. Prior to that, he worked at Merrill for five years. Gray acts as trustee for two irrevocable trusts established for his children. 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 institutions, offering a broad range of financial planning and investment management solutions.

Yolanda Arrington is a financial advisor with Ameriprise in Phoenix, AZ, holding a Series 66 designation and 23 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service targeting individuals with substantial investable assets, providing written 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 tailored advice, with a focus on assets managed within Ameriprise accounts.

Benjamin Mitchell is a financial advisor with Osaic in Scottsdale, AZ, holding a Series 66 designation and 13 years of industry experience. He has been with Osaic since 2024 and has over two decades with Securities America Inc. Osaic Wealth serves a diverse client base including retail and institutional investors, offering a range of brokerage and advisory services supported by a model-based investment process that emphasizes asset allocation, portfolio optimization, and risk management. The firm is notable for its scale, affiliate network, and multi-advisor platform.

Vanessa Gutierrez is a financial advisor at Osaic with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Osaic since 2012, following prior roles at Osaic Services, Inc. and Sunamerica Securities, Inc. She serves as trustee for her own living trust. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment process centers on model-based asset allocation and portfolio optimization, supported by various tools and strategies, and is notable for its scale, complex affiliate network, and recent consolidation activity.

Jacob Cercone is a financial advisor with LPL Financial in Scottsdale, AZ, holding a Series 66 designation and 14 years of industry experience. He has previously worked at Kestra Advisory Services LLC and SII Investments, Inc. Outside of his advisory role, Cercone is a business owner of Watermark Wealth Planning, LLC, providing trust services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services delivered through a large network of investment adviser representatives using various strategies and operational tools.

Thomas Beatie is a CFP®-credentialed financial advisor with nine years of experience at Vanguard Advisers in Scottsdale, AZ. He has worked with various Vanguard affiliates since 2017. Outside of his advisory role, he is the sole proprietor of Define Normal, a media and retail clothing business involving public speaking, social media management, and book sales. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach, utilizing proprietary models and a range of customization options, and manages a large client base through its digital platform and team servicing model.

Eric Fairbanks is a financial advisor with Ameriprise in Fort McDowell, AZ, holding a Series 63 designation and bringing 33 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he is involved in managing a business that oversees real estate and office costs. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement planning through a collaborative, non-discretionary process supported by proprietary research and algorithmic tools.

Stephanie B. Greer is a Managing Director and Wealth Management Advisor with Merrill Lynch Wealth Management, and is a member of The GF Wealth Management Team. She brings over 32 years of experience in the financial services industry, focusing on wealth management strategies tailored to clients' goals. Stephanie holds several professional designations, including Certified Private Wealth Advisor®, Chartered Retirement Planning Counselor™, Certified Exit Planning Advisor®, and Sports & Entertainment Accredited Wealth Management Advisor™. She graduated from the University of the Pacific with a B.S. in Business Administration. Her areas of expertise include education planning, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and values-based investing, women and wealth, and retirement income. Stephanie has been recognized on multiple occasions by Forbes, including listings on the Best-in-State Wealth Management Teams and America's Top Women Wealth Advisors Best-In-State. She has also attended Barron's Top Women Advisors Summits and serves as a mentor for women advisors through Merrill's Women Exchange. Stephanie is actively engaged in the Scottsdale/Phoenix community, serving as a board member for Fresh Start Women's Foundation, an organization empowering Arizona's women to achieve self-sufficiency. Outside of her professional work, she enjoys golfing, hiking, and traveling.

Justin Cole is a financial advisor with Raymond James Financial, holding a Series 66 designation and 11 years of industry experience. He has been with Raymond James and its affiliated entities since 2013. Cole is the sole owner of ELOC Investments LLC and serves as an independent contractor advisor with NextGen Advisors LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm employs tailored, non-discretionary planning and analytical tools to support client goals and offers specialized services such as municipal advisory and SIMPLE IRA Employer Advisory & Consulting Services.

Luke Burgess is a financial advisor at Vanguard Advisers with a Series 66 designation and one year of industry experience. His prior roles include positions at Summit Oak AI and Symmetry Financial Group. He has experience working in both educational and financial services settings, as well as holding a life insurance license. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Personal Advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach and manages portfolios largely composed of Vanguard funds and ETFs.

Joseph Naasko is a financial advisor with Osaic Wealth Inc. based in Scottsdale, AZ. He holds Series 63 and Series 65 licenses and has seven years of industry experience. Prior to joining Osaic, he worked at AXOS Clearing and TD Ameritrade among other roles. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm utilizes model-based asset allocation and portfolio optimization supported by various analytical tools and provides access to discretionary strategies, third-party managers, and alternative investments across complex affiliate networks.

Colin Fine is a financial advisor with LPL Financial in Scottsdale, AZ, holding a Series 66 designation and five years of industry experience. Prior to joining LPL Financial, he worked at Kestra Advisory Services and Kestra Investment Services from 2021 to 2023 and was employed at Axon Enterprise from 2014 to 2021. He is also involved with Watermark Wealth Strategies LLC, a related business entity for his LPL practice. 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 provides a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Richard Cordova is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and 13 years of industry experience. He has worked with Vanguard and its related entities since 2013 and maintains side activities as a real estate agent and tech blogger. Currently based in Scottsdale, AZ, he also works as a transportation contractor. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with proprietary models to construct portfolios primarily from Vanguard funds and ETFs, offering various customization options and managing a large client base through its digital platform.