Jacqueline Flindall is a CFP® professional with 19 years of industry experience, currently affiliated with United Planners' Financial Services of America as a Limited Partner. Her career includes roles at several firms such as PFG Advisors, LLC, Securities America, Inc., and Cue Financial Group, Inc. Outside of advisory work, she serves as president of R&R Ranch, a community and civic organization in Rio Verde, AZ. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base including individuals, retirement plans, corporations, and trusts. The firm’s advisory services are delivered through independent Investment Adviser Representatives using a variety of custodians and third-party managers, with a significant portion of assets managed on a non-discretionary basis.

Leona Cahill is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. She holds Series 63 and Series 66 designations and has worked previously at BMO Harris Bank and North Central University. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Charles Schwab’s asset-allocation models and internal research tools.

Treva Ziemba is a CFP® professional with 29 years of industry experience, currently serving at Schwab Wealth Advisory. Her career includes roles at Charles Schwab & Co., Schwab Wealth Advisory Inc., Kohl's, and Vanguard Advisers. She holds leadership positions outside of her advisory work, including president of the Scottsdale Vista North Homeowner Association and secretary of the Desert Mountain Boosters, a nonprofit charitable organization. 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 select referrals. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and research tools, with client-directed execution and periodic reviews tailored to individual goals and risk tolerance.

Janette Schwendeman is a CFP® professional with 15 years of experience in financial advisory services. She is currently with Private Advisor Group, LLC and has previously worked with firms including Graystone Partners Wealth Management, LPL Financial, J.P. Morgan Securities, Chase Investment Services, and Wells Fargo. Schwendeman holds a Series 66 license and is based in Chandler, AZ. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based advisory model that incorporates both discretionary and non-discretionary services, utilizing a range of strategies and technology platforms while providing access to third-party managers and proprietary solutions.

Austin Schattenberg is a Series 66 licensed financial advisor with three years of industry experience. He is currently with Principal Financial Services and Principal Life Insurance Company, having previously worked at Edward Jones and Target. Outside of his advisory work, he has experience in business operations with Bongiorno Bagels. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty military personnel stationed abroad. The firm's advisory services include financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Miguel Duarte is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and four years of industry experience. Prior to joining Commonwealth, he worked at Custom Financial Design and has a background that includes ownership of a musical entertainment business, Mariachi Estrellas Musicales, LLC. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $200 billion in client assets. The firm provides a broad range of managed-account programs, third-party asset manager access, and custodial services, supporting both individual and institutional clients.

Cameron Sharpe IV is a CFP® professional with seven years of industry experience, currently serving with Hightower Advisors in Phoenix, AZ. His background includes tenure at Vanguard Advisers, Inc. and The Vanguard Group, Inc., as well as previous self-employment. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individual and institutional clients such as pension plans, charitable organizations, corporations, and trusts. The firm uses a multi-manager approach with access to affiliated and third-party managers and emphasizes discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting.

John Herrero is a CFA® charterholder and Series 63 licensee based in Phoenix, AZ, with two years of industry experience. He currently works at Schwab Wealth Advisory Inc., having joined the firm and its related Charles Schwab & Co., Inc. in 2026. His prior experience includes roles at STORE Capital, The Vanguard Group, and Mattress Center, as well as periods devoted to full-time education. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm’s guidance emphasizes asset allocation and investment selection tailored to individual client goals, leveraging Charles Schwab’s proprietary research and models without exercising discretionary trading authority.

Raguel Shaw is a financial advisor with United Planners Financial Services of America and holds Series 63 and Series 65 licenses. He has one year of industry experience, including a prior role at The Vanguard Group. Outside of his advisory work, Shaw is involved in real estate sales and property management through his own business, Raguel Shaw Real Estate/TCT Real Estate. United Planners Financial Services serves a diverse client base, including individuals, corporations, charitable organizations, and institutional clients. The firm operates an open-architecture platform offering financial planning, portfolio management, retirement plan services, and brokerage solutions through a network of 477 independent advisors.

Ryan Hanninen is a financial advisor with Foundations Investment Advisors LLC in Phoenix, AZ. He holds a Series 65 designation and has one year of industry experience. His prior work includes roles at Bright Wealth Management and self-employment. Foundations Investment Advisors, LLC provides financial planning and portfolio management services to a diverse client base, including individuals, high-net-worth clients, employer-sponsored retirement plans, and registered investment companies. The firm uses a combination of fundamental, technical, and cyclical analysis, applies model portfolios with an asymmetric rebalancing approach, and offers various advisory and sub-advisory services through a large network of affiliated offices.

Leslie Vipond is a financial advisor at Schwab Wealth Advisory with 28 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Schwab Wealth Advisory since 2012, also working at Charles Schwab since 2010. 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 offers guidance on asset allocation and investment selection based on Schwab’s proprietary models and conducts at-least-annual portfolio reviews tailored to clients’ goals and risk tolerance.

Stephen Meyer is a financial advisor with Schwab Wealth Advisory, Inc. in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has worked with Charles Schwab & Co., Inc. since 2009 and joined Schwab Wealth Advisory in 2019. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, offering non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Charles Schwab’s asset-allocation models and internal research tools.

Randy Tran is a financial advisor at Schwab Wealth Advisory, Inc. with three years of industry experience. He holds Series 63 and Series 65 designations and has worked at Charles Schwab since 2018. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on Charles Schwab’s asset-allocation models and internal research tools, with recommendations tailored to individual client goals and risk tolerance.

Joseph Feichtel is a CFP® professional affiliated with United Planners' Financial Services of America, with 34 years of industry experience. He has been with United Planners since 2013 and owns JMF Financial Services, LLC, a tax preparation and accounting firm. In addition to his advisory work, he operates a non-variable insurance business. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base including individual investors, retirement plans, corporations, and institutional clients. The firm employs independent Investment Adviser Representatives and uses a combination of custodians, third-party managers, and platform programs to deliver predominantly non-discretionary advisory services.

Michael Eriquez is a financial advisor with Creative Planning in Phoenix, AZ, holding Series 63 and Series 65 licenses and four years of industry experience. His prior roles include positions at SageView Advisory Group, Equitable Advisors, and Fullerton Financial Planning. Outside of finance, he has worked in education at Phoenix Christian Preparatory School and has experience in small business operations including Java Grounds and A2Z Cabinets and Floors. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to individuals, pension plans, trusts, and corporations. The firm employs a financial-planning-led investment approach emphasizing low-cost indexing, buy-and-hold strategies, and incorporates private market investments, serving a broad client base with over $295 billion in assets under management.

Alex Beck is a CFP® professional with 16 years of industry experience. He currently works at Schwab Wealth Advisory and previously spent 14 years with THE Vanguard Group, Inc. His background includes extensive experience in financial advisory services within well-established firms. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and selected Charles Schwab & Co.-referred clients. The firm uses standardized asset allocation models and internal research tools to deliver tailored recommendations, primarily utilizing mutual funds, ETFs, separately managed accounts, and alternative investments.

Jacob Howard is a financial advisor at Schwab Wealth Advisory with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab & Co., Inc. since 2019. Prior to his current role, he spent a year at Grand Canyon University. 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-referred clients. The firm emphasizes asset allocation guidance based on Schwab’s internal research and uses a model-driven approach with personalized recommendations and at-least-annual reviews.

Austin Johnson is a financial advisor with Creative Planning, holding Series 63 and Series 66 credentials and 12 years of industry experience. His prior roles include positions at Morgan Stanley, E*TRADE, and Fidelity. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to individuals, pension plans, trusts, foundations, and corporations. The firm employs a financial-planning-led investment approach emphasizing low-cost indexing, buy-and-hold strategies, and selective private market exposure, managing approximately $295.6 billion in client assets.

Ammiel Banayat is a CFP® professional with 10 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. He has worked with Schwab Wealth Advisory since 2019 and concurrently serves as a Captain and Company Commander in the Arizona Army National Guard, focusing on explosive ordnance disposal operations. 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 & Co.-referred clients, utilizing asset allocation models and internal research tools to deliver personalized recommendations without discretionary trading authority.

David Finger is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 credentials and one year of industry experience. He has been with Schwab Wealth Advisory since 2026 and has prior experience at Charles Schwab & Co., Inc. and Right Start Mortgage, Inc. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services primarily to clients in the Schwab Wealth Advisory program and certain clients referred by Charles Schwab & Co., focusing on asset allocation and investment selection tailored to individual goals and risk tolerance. The firm uses proprietary asset-allocation models and research tools while trades require client authorization.