Scott Witowski is a financial advisor with Charles Schwab holding a Series 66 designation and 15 years of industry experience. He previously worked at TDAmeritrade for 12 years before joining Charles Schwab. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal alternative-investment offering, supported by centralized custody and operational infrastructure.

Bryce Zinn is a financial advisor at Cetera in Phoenix, AZ, holding a Series 66 designation with one year of industry experience. His prior work includes roles at the Valley Of The Sun Jewish Community Center and teaching positions at the University of Arizona, Chaparral High School, and Cocopah Middle School. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a multi-manager platform utilizing both affiliated and third-party managers.

Howard Gershkowitz is a financial advisor at Cetera with over 41 years of industry experience. He holds Series 63 and Series 66 licenses and has held positions at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities Inc. Additionally, he is a published author and poet. Gershkowitz is also a co-founder of Allwealth Planning, a financial planning firm. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and access to third-party managers through a multi-manager platform with various program structures and supervisory frameworks.

John Cross is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he leverages over 37 years of investment consulting experience. He assists affluent families and individuals in developing financial strategies aimed at achieving their specific investment objectives. His approach involves a comprehensive process including asset allocation, portfolio management, liability management, tax planning strategies, and asset and estate preservation, with a significant focus on retirement income planning and portfolio management. John holds several professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP), Certified Investment Management Analyst® (CIMA), Certified Investment Management Consultant℠ (CIMC), Chartered Retirement Planning Counselor™ (CRPC), and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from Illinois State University and completed his high school education at Hoopeston High School. His client focus areas encompass education planning, family wealth management strategies, legacy planning, retirement income, and small business strategies, among others. In addition to his professional commitments, John is involved with the community through his participation at Shepherd of the Desert Lutheran Church. He is also a member of professional organizations such as the American Institute of CPA's and the Arizona Society of CPA's. Outside of work, he enjoys adventure sports, baseball, biking, bowling, camping, fishing, hiking, hunting, traveling, and spending time with his family.

Michael Bell is a financial advisor with UBS Financial Services in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 53 years of industry experience. He has been with UBS since 1982. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and delivering advisory work supported by proprietary research and model-based asset allocations.

Jose Perez Mancera is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank, SSB, and Charles Schwab since 2023. Outside of his advisory role, he occasionally serves and bartends at Arizona Grand Resort. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers integrated brokerage, custody, and cash management services.

Lloyd Church is a financial advisor with LPL Financial based in Phoenix, AZ, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has previously worked at Raymond James Financial Services and Ameriprise. Outside of his advisory role, he is involved with LTC Enterprise, a business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management solutions, utilizing both proprietary research and third-party strategies, supported by advanced operational and research tools.

Corey Hall is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. He has worked at Charles Schwab Bank, SSB, and Charles Schwab & Co., Inc. since 2021, following prior roles at Wells Fargo Clearing Services and Wells Fargo Bank. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and centralized operational infrastructure.

Scott Watson is a CFP® and Series 66 designated financial advisor with 21 years of industry experience, currently with UBS Financial Services in Phoenix, AZ since 2004. He serves on the board of JSUnited, an organization that raises funds to create earning opportunities for student-athletes under NIL (Name, Image, Likeness) guidelines. UBS Financial Services Inc. offers brokerage and investment advisory services to individual, corporate, and institutional clients, combining institutional trading capabilities with wealth management to provide tailored financial planning and portfolio management.

Kyle Evans is a financial advisor at Edelman Financial Engines with 14 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Edelman Financial Engines and its predecessor firms since 2018, following seven years at Scottrade. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm offers diversified model portfolios and combines proprietary modeling with planner delivery and online tools, managing approximately $326 billion for around 477,000 clients.

Catherine Ivy is a financial advisor at OSAIC with 32 years of industry experience. She holds the Series 63 and Series 65 credentials. Ivy has worked at several firms including SagePoint Financial, LPL Financial Corporation, and has operated Ivy Financial Planning & Associates since 2006. She is also president of the Ben & Catherine Ivy Foundation, a nonprofit organization focused on brain cancer research. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services, including financial planning, retirement plan consulting, and managed account solutions. The firm employs various tools and third-party platforms to construct diversified portfolios tailored to client needs.

Matthew Clearman is a CFP® with eight years of industry experience, currently serving as a financial advisor at Charles Schwab in Phoenix, AZ. He has worked at Charles Schwab since 2016, with a brief one-year tenure at Fidelity Investments. Outside of his advisory role, he operates an eBay store selling baseball cards and other collectibles. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, using a multi-asset model portfolio approach supported by centralized operational and custodial services.

Troy Danoff is a financial advisor at LPL Enterprise with 22 years of industry experience. He holds a Series 66 designation and has previously worked with Prudential Insurance Company of America and Pruco Securities, LLC. Danoff serves as a board member for the Michael Danoff Memorial Scholarship Fund, a nonprofit organization that provides scholarships to qualified high school students. LPL Enterprise, LLC offers investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and provides access to third-party asset managers, financial planning, and affiliated non-securities products and services.

Christopher Kitaeff is a financial advisor with LPL Financial based in Phoenix, AZ. He holds Series 63 and Series 66 licenses and has 18 years of industry experience, including prior roles at Bank of America and Merrill. He is also involved with La Mans Wealth Management LLC, a business entity used for tax and investment purposes. 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 offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive technology and a large network of over 22,800 advisors.

Jennifer Knapp is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. Her prior experience includes roles at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering a range of advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program and affiliated managed-account options. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs multi-asset model portfolios along with centralized operational and compliance structures.

Andrew Laue is a financial advisor with Primerica Advisors in Phoenix, AZ, holding Series 63 and Series 65 licenses and 11 years of industry experience. His work history includes positions in education with Peoria Unified School District, Maricopa County Community College District, and Joy Christian School. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, with approximately $15.5 billion in assets under management. The firm utilizes model-driven investment strategies supported by third-party asset managers and offers a range of discretionary account options.

Andrew Hall is a financial advisor with Morgan Stanley in Phoenix, AZ, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has worked with Morgan Stanley and its affiliates since 2013. Outside of his advisory role, Hall is the sole proprietor of ACRE Partners LLC, an investment business based in Phoenix. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, combining tailored financial planning with various investment strategies and services.

Joseph Reyes is a CFP® with 20 years of industry experience, currently serving at Charles Schwab in Phoenix, AZ. He has been with Schwab Private Client Investment Advisory, Inc. since 2013. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by in-house research and alternative investment options.

Jason Vajda is a financial advisor at Edelman Financial Engines with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Morgan Stanley, eToro, Bank of America, and Merrill. Edelman Financial Engines provides technology-enabled investment advisory services primarily for workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and supports a large client base through advisor-led and online offerings.

Raylun Golay is a Series 66-licensed financial advisor with six years of industry experience. He is currently with Charles Schwab, where he has worked since 2021, and previously worked at Merrill from 2019 to 2021. Prior to his financial services career, he was employed at Scottsdale Training and Rehabilitation Services and the City of Scottsdale. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and uses multi-asset model portfolios supported by research from the Schwab Center for Financial Research.