Andrew Padgett is a financial advisor at J. W. Cole Advisors, Inc. with 33 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has worked at Jonathan Roberts Advisory Group, Inc. since 2011 and J W Cole Financial Inc since 2007. Outside of advisory work, he operates a web design business and provides mobile notary public services. J. W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a network of over 400 independent representatives. The firm offers a range of portfolio management and financial planning solutions, including access to third-party managers and digital advice platforms.

Brooks Lau is a financial advisor with Principal Financial Services in Phoenix, AZ, holding Series 63 and Series 65 designations and 27 years of industry experience. He has been with Principal Securities Inc. and Principal Life Insurance Co. since 2004. Outside of his advisory role, he serves as a director of H.P. Lau Company, a family personal holding company. Principal Securities provides brokerage and registered investment advisory services to a diverse client base that includes individual investors, retirement plans, trusts, charitable organizations, corporations, and active-duty U.S. military personnel abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Rico Knight is a financial advisor at Schwab Wealth Advisory, Inc. with nine years of industry experience. He holds a Series 66 designation and has previously worked at J.P. Morgan Securities LLC, Robinhood Financial, LLC, Morgan Stanley, Merrill, Bank of America, MML Investors Services LLC, and Massachusetts Mutual Life Insurance Company. Outside of his advisory role, he is involved as a driver for Uber Eats and creates and sells t-shirt designs on Etsy. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s approach centers on Charles Schwab & Co.’s asset-allocation models and research tools, with recommendations tailored to individual client goals and risk tolerance.

Joshua Dorrance is a financial advisor at Schwab Wealth Advisory with 8 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Schwab Wealth Advisory Inc. since 2020 and Charles Schwab & Co., Inc. since 2017. His prior work experience includes roles at the University of New Mexico and its School of Medicine. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations for clients in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients. The firm’s guidance is based on standard asset-allocation models and internal research tools, with client authorization required for trades and recommendations tailored to individual goals and risk tolerance.

Jack Stephens is a financial advisor with Schwab Wealth Advisory and holds a Series 66 designation. He has one year of industry experience and has worked previously at Wilde Wealth Management Group and Charles Schwab & Co., Inc. Outside of financial services, he has experience in the food service industry, including positions at Ike's Love and Sandwiches and Amiel's Original Submarine. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning for clients enrolled in the Schwab Wealth Advisory program or referred by Charles Schwab & Co. The firm uses standard asset-allocation models and internal research tools to offer personalized recommendations without exercising discretionary trading authority.

Jason Tamani is a financial advisor at Schwab Wealth Advisory with 14 years of industry experience. He holds Series 66 and Series 63 licenses and has been with Schwab Wealth Advisory since 2015, previously working at Charles Schwab since 2008. Outside of his advisory role, he works part time as an Amazon Flex delivery driver. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on Charles Schwab & Co.’s asset allocation models and research tools, with investment decisions executed only with client authorization.

Laura Rider is a financial advisor at Rockefeller Financial LLC with 27 years of industry experience. She holds the Series 66 designation and has worked previously at Morgan Stanley Smith Barney and Merrill. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, as well as institutional clients and retirement plans. The firm provides a range of services including discretionary and non-discretionary portfolio management, financial planning, and brokerage, organizing client relationships around a Private Advisor model with access to both in-house and third-party investment solutions.

Noah Putnam is a CFP® and holds a Series 65 designation with nine years of industry experience. He currently works at Focus Partners Wealth, LLC and has previously been affiliated with Sonora Investment Management Group, LLC and Sonora Investment Management LLC. Focus Partners Wealth, LLC serves individuals, high-net-worth families, family offices, and institutional clients with a broad range of wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach using a combination of active and passive strategies, quantitative analysis, and specialized tools such as trend-following and options overlay strategies.

Jared Spraggins is a CFP® with 26 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, where he has worked since 2025, and previously spent over a decade at Schwab Private Client Investment Advisory, Inc. Outside of finance, he owns and operates Waylon Records LLC, a record label involved in music creation, marketing, and distribution. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services primarily to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s investment guidance is based on Charles Schwab & Co.’s asset-allocation models and research tools, with a focus on customized recommendations aligned to clients’ goals and risk tolerance.

Lucas Richard is a financial advisor at Schwab Wealth Advisory with four years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab & Co., Inc., Bank of America, and other firms in various roles. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and select referrals, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Schwab’s asset-allocation models and internal research tools.

Delfinaa Solanki is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. She holds a Series 66 designation and previously worked at Merrill for ten years before joining Schwab in 2025. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain referrals. The firm utilizes Charles Schwab’s asset-allocation models and research tools to tailor recommendations based on clients’ goals and risk tolerance, with services delivered on a large scale and supported by formal compliance and supervisory measures.

Todd Garrett is a CFP® professional with 18 years of industry experience, currently serving at Schwab Wealth Advisory in Phoenix, AZ. His career includes roles at Charles Schwab & Co., Inc. since 2016, and prior experience with Fidelity and Vanguard Advisers. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on proprietary asset-allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

Alan Mendoza Valencia is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and based in Phoenix, AZ. He has one year of industry experience, including roles at Charles Schwab & Co., Inc. and Schwab Wealth Advisory Inc. Prior to his advisory career, his work history includes positions at Burlington Stores, Whataburger, and the YMCA. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s investment approach is guided by proprietary asset-allocation models and internal research tools, offering personalized recommendations without exercising discretionary trading authority.

Chad Ensign is a financial advisor at AE Wealth Management, LLC with 11 years of industry experience. He holds a Series 65 designation and has worked at AE Wealth Management since 2017. He is also president of Ensign Wealth Management, Inc., and serves as chapter president and instructor for the American Financial Education Alliance, a nonprofit focused on public finance education. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a platform-centered investment approach with model portfolio solutions, discretionary asset management, financial planning, and consulting services.

Cassandra Thornock is a CFP® with 10 years of industry experience, currently serving as a financial advisor at Beacon Pointe Advisors, LLC since 2022. She previously worked at Stoker Ostler Wealth Advisors, EF Legacy Securities, LLC, and Edelman Financial Services LLC. Outside of her advisory role, she is an agent with Beacon Pointe Insurance Services, LLC, where she is involved in the sale of life, health, and accident insurance products. Beacon Pointe Advisors, LLC provides wealth advisory, financial planning, and outsourced chief investment officer services to a diverse client base, including individuals, corporations, and institutional investors. The firm combines asset-allocation modeling with third-party independent managers and offers both active and passive investment strategies across public and private asset classes.

Patrick O'Leary is a financial advisor at Mercer Global Advisors Inc. with 24 years of industry experience. He previously worked at Charles Schwab & Co. from 2000 to 2024 before joining Mercer in 2024. He holds the Series 63 and Series 66 licenses. Mercer Global Advisors provides investment advisory and related planning services to individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofit organizations. The firm’s investment approach emphasizes globally diversified, risk-appropriate portfolios with multi-factor tilts, using a range of implementation options including ETFs, mutual funds, and separate accounts.

Anacapri Zuniga is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and one year of industry experience. Prior to joining Schwab Wealth Advisory, Zuniga held roles at Care.com and several other companies. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice and financial planning based on Charles Schwab’s standard asset-allocation models and internal research tools. The firm’s services include guidance on asset allocation and investment selection, with trades executed only upon client authorization.

Theresa Labadie is a Series 65-licensed financial advisor with eight years of industry experience. She has worked at Osaic Advisory Services, LLC since 2024 and previously spent eight years at Triad Advisors, Inc. in Scottsdale, Arizona. Osaic Advisory Services, LLC is an SEC-registered enterprise adviser that serves a diverse client base including individuals, pension and profit-sharing plans, corporate and charitable entities, retirement plan participants, and sovereign wealth funds. The firm offers a range of investment programs and financial planning services, utilizing multiple analytical approaches and platform integrations to deliver and monitor strategies.

Steven Stombaugh is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Schwab Wealth Advisory in 2025, he worked at Charles Schwab beginning in 2023 and spent three years in full-time education from 2019 to 2022. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm utilizes standardized asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance, with trades executed only upon client authorization.

Amrish Patel is a financial advisor with Independent Financial Group, LLC, holding a Series 66 designation and bringing 24 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, MetLife Securities, Securities America Advisors, and Merrill. Outside of his advisory work, he is involved in consulting and business coaching through GWS Advisors, LLC, and co-owns a tax consulting firm, GWS Tax Facts, LLC. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and institutional investors. The firm offers financial planning and portfolio management services using both firm- and third-party models, combining active and passive investment strategies tailored to individual risk profiles.