Joanne Astle is a financial advisor at Commonwealth Financial Network with 47 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Commonwealth and Astle Investment Management since 2015. Astle Investment Management is a part-owned entity involved in securities business conducted at her branch. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and support services, including discretionary model portfolios and customized investment solutions.

Marshall Lohrenz is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. His career includes roles at Independent Financial Group, Entrust Financial Partners, and his own firm, Marshall Reed Lohrenz. He is also a minister at Central Church of Christ and involved with estate planning through EstateDocs Pro, as well as serving as a non-paid representative for the Society for Financial Awareness. United Planners Financial Services serves a diverse client base including individuals, corporations, and institutional clients, offering financial planning, portfolio management, retirement plan services, and brokerage solutions through an open-architecture platform with multiple custodians and third-party managers.

Todd Douma is a CFP® with 25 years of industry experience, currently serving at Focus Partners Wealth, LLC since 2026. His prior roles include positions at Kovitz Investment Group Partners, LLC, TMD Wealth Management LLC, One Charles Private Wealth, Tmg General Partnership, and TMD & Associates, Inc. He serves on the boards of Buena Vista Health & Recovery, LLC, Beacon Partners Fund, and The Shufeldt Family Foundation, advising the latter on its administration. Focus Partners Wealth, LLC provides wealth management and advisory services to individuals, families, family offices, and institutional clients. The firm employs a long-term, tax- and fee-sensitive investment approach within an enhanced open architecture framework that combines active and passive strategies, third-party managers, and private funds.

Katherine Schwartz is a financial advisor at Centaurus Financial, Inc. with four years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Colomb Investment Management Company, LLC, LPL Financial LLC, Morgan Stanley, and The Vanguard Group, Inc. Outside of finance, she has experience in yoga and wellness businesses. Centaurus Financial, Inc. serves a diverse client base including individuals, families, small businesses, and institutions, offering financial planning, portfolio management, retirement-plan consulting, and specialized advisory services through various discretionary and non-discretionary arrangements.

Corey Jones is a CFP® professional with 16 years of industry experience, currently serving at Schwab Wealth Advisory Inc. since 2016. He also holds a member position at Creative Inspiration, LLC, a non-investment-related freelance journalism and project management business founded by his wife. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, using Charles Schwab’s asset-allocation models and internal research tools to tailor recommendations.

John Teetsel is a financial advisor at Oppenheimer with 43 years of industry experience. He has held his current position at Oppenheimer & Co since 2009. Outside of finance, he serves as secretary for New Vistas Academy Inc, a private school, and is proprietor of Starling Laneboatworks. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, charitable organizations, and other clients. The firm offers a broad range of programs and advisory services, including discretionary and non-discretionary portfolio management, with a notable proportion of assets managed on a non-discretionary basis.

Scott Bird III is a financial advisor with Brookstone Capital Management LLC, holding a Series 65 designation and nine years of industry experience. He has been associated with Advantex Group, LLC since 2001, where he is involved in the sale of life insurance and fixed annuities through Estate Preservation Advisors. Brookstone Capital Management is an SEC-registered adviser providing fee-based asset management and financial planning via a turnkey asset management platform and wrap-fee program. The firm serves a diverse client base, including individuals, retirement plans, corporations, charitable organizations, other registered investment advisers, sovereign wealth funds, and banking institutions.

Malia Sperling is a financial advisor with Eagle Strategies (NY Life) based in Phoenix, AZ, holding Series 63 and Series 65 licenses with six years of industry experience. She has worked with New York Life Insurance Co. and Nylife Securities LLC since 2020 and is also the owner of SPX Productions LLC, a video marketing and advertising company where she serves as a board member. Additionally, she is the author of a book titled "This is Joy: A Path to Finding Joy, Gratitude and the Present." Eagle Strategies serves a diverse client base, including individuals and institutions, providing financial planning, investment management, and retirement plan advisory services. The firm emphasizes tailored solutions delivered through multiple program types and manages the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Tatiana Brownell is a financial advisor at Schwab Wealth Advisory with 18 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Charles Schwab & Co., Inc. since 2008, joining Schwab Wealth Advisory in 2016. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients in the Schwab Wealth Advisory program and certain referrals. The firm uses Charles Schwab’s asset-allocation models and research tools to guide investment selection, with client authorization required for all trades.

Ernest Giltner is a CFP® professional with nine years of experience in the financial industry, currently serving as an advisor at Schwab Wealth Advisory Inc. in Phoenix, AZ. He has been with Schwab Wealth Advisory since 2018 and with Charles Schwab & Co., Inc. since 2017. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm relies on Charles Schwab & Co.’s asset-allocation models and internal research tools to deliver tailored recommendations, with a focus on at-least-annual reviews and client-authorized transactions.

Gilberto Cuen is a CFP®-certified financial advisor with Schwab Wealth Advisory, Inc., bringing 11 years of industry experience. He has been with Schwab Wealth Advisory since 2019 and has worked with Charles Schwab in various capacities since 2014. Outside of his advisory role, he is involved in buying, renovating, and selling homes. 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. The firm’s guidance is based on Schwab’s asset-allocation models and internal research tools, offering tailored recommendations reviewed at least annually.

Kelly Richards is a financial advisor with Allworth Financial, L.P. in Phoenix, AZ, holding Series 63 and Series 65 licenses and possessing 21 years of industry experience. His prior work includes roles at First Allied Advisory Services, BHF RG Capital Inc., and Raymond James & Associates. Outside of advising, he is a managing member of Dynamite Office Holdings, LLC and a partner in It's Happening, LLC, both non-investment business activities. Allworth Financial serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, trusts, corporations, and charitable organizations. The firm offers comprehensive financial planning and portfolio management, employing both quantitative and qualitative investment analysis and a variety of model and specialist portfolios.

Joseph Estrella is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. Prior to joining Schwab Wealth Advisory in 2022, he worked at Protein Lab and held positions at Chick Fil A and Burlington. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab & Co.’s asset-allocation models and internal research tools. The firm emphasizes client-tailored recommendations and operates without discretionary trading authority, supporting a range of investment options including mutual funds, ETFs, and separately managed accounts.

Rick Wertheim is a financial advisor with Independent Financial Group, LLC, holding a Series 66 credential and 18 years of industry experience. His prior work history includes positions at Ameriprise, Cetera Wealth Services, Woodbury Financial Services, and Invest Financial Corporation. Outside of his advisory role, he serves as Treasurer for the Cal Poly Alumni Association. Independent Financial Group, LLC provides investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate and pension plans, and charitable organizations. The firm offers a range of financial planning and portfolio management solutions, utilizing both firm- and third-party models across active and passive strategies.

Ebersole Gaines is a financial advisor at Focus Partners Wealth, LLC with four years of industry experience. He holds a Series 66 designation and has previously worked at Sonora Investment Management Group, Bank of America, Merrill, and Pantheon Global Holdings. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients with wealth management and advisory services. The firm’s investment approach combines active and passive strategies within an enhanced open architecture framework, emphasizing long-term, tax- and fee-sensitive portfolio construction.

Jaime Olivas is a CFP® professional with seven years of industry experience, currently affiliated with Schwab Wealth Advisory. Prior to joining Schwab in 2025, he worked at Bank of America, Merrill, Edward Jones, Tfcu, and First Convenience Bank. Outside of his advisory role, he is involved with a property management company related to a rental property. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab–referred clients. The firm’s guidance is based on standardized asset-allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

Harrison Smith is a financial advisor at Schwab Wealth Advisory in Phoenix, AZ, holding Series 65 and Series 63 licenses with one year of industry experience. His prior roles include positions at US Bank and Charles Schwab. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily for clients enrolled in the Schwab Wealth Advisory program. The firm’s guidance is based on Charles Schwab & Co.’s asset-allocation models and internal research, with investment decisions executed only upon client authorization.

John Pyles is a CFP® with 22 years of industry experience, currently serving at T. Rowe Price Advisory Services, Inc. He previously worked at Nationwide Investment Services Corporation, CAPTrust, and The Vanguard Group. Outside of advisory roles, he is the owner and executive director of JFP Ventures, Inc., operating the Huntington Learning Center of Arizona, and serves as a board member for the Marilyn Smith and Founders' Legacy Foundation. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily to individual investors and households. The firm uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, supported by online planning tools and annual financial reviews.

Daniel Martin is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory since 2017. He has been affiliated with Charles Schwab & Co., Inc. since 2014. Schwab Wealth Advisory, Inc. 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-referred clients. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and internal research tools, with client authorization required for trades and a focus on personalized recommendations aligned with each client’s goals and risk tolerance.

Brendan Moore is a financial advisor at Carson Wealth with nine years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including Raymond James & Associates, Morgan Stanley, and Northwestern Mutual. He is based in Scottsdale, AZ. Carson Wealth is an SEC-registered investment adviser overseeing approximately $50.6 billion through a network of more than 650 advisors. The firm offers discretionary asset management, financial planning, and retirement plan services, utilizing an Investment Committee to manage model portfolios and providing tailored solutions such as custom indexing and alternative investments.