Steven Hart is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 designations and five years of industry experience. His prior work includes roles at Fidelity Brokerage Services, Merrill Lynch, Porsche Chandler, and Arizona State University. Charles Schwab & Co., Inc. serves a large client base of 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 mix of non-discretionary and discretionary investment guidance using multi-asset model portfolios and is notable for its scale and integrated operational structure.

Aishwarya Adyanthaya is a financial advisor with Morgan Stanley in Phoenix, AZ, holding a Series 66 designation and 14 years of industry experience. She has been with Morgan Stanley and its Private Bank since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients with a broad range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models to support its advisory process.

Derek Skains is a financial advisor with OSAIC, holding Series 63 and Series 65 registrations and 39 years of industry experience. He previously worked at Securities America Advisors, Inc. and Securities America, Inc. for 15 years. Outside of his advisory role, he collects royalties from family-owned land in Louisiana and serves as president of Skains Investment Partners, LLC, an insurance-related business. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools, efficient-frontier analysis, and automated rebalancing to construct diversified portfolios tailored to client needs.

Clifford Selsor III is a financial advisor at Edward Jones in Peoria, AZ, holding a Series 66 designation with 12 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and is notable for its large network of advisors and branch offices, as well as its affiliated capabilities beyond traditional advisory services.

Andrew Victor is a financial advisor at UBS Financial Services with four years of industry experience. He holds Series 66 and Series 63 designations and has previously worked at Morgan Stanley and Charles Schwab. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm utilizes proprietary capital market assumptions and research to tailor investment plans aligned with clients’ goals and risk tolerances.

Isaac Montano is a financial advisor with Cetera, holding the Series 66 designation and seven years of industry experience. He has worked at Renaissance Financial and Minnesota Life, among other firms, and currently operates as a financial advisor offering securities, insurance, and advisory services. Montano is also active as an insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is a national SEC-registered firm serving individual and institutional clients through a multi-manager platform that offers discretionary and non-discretionary portfolio management, financial planning, and retirement services. The firm supports over 10,000 advisors and manages more than $256 billion in assets.

Paul Ganshirt is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 designations and possessing 11 years of industry experience. He previously worked at Stifel Nicolaus & Co Inc and Scottrade, Inc. before joining Charles Schwab and its Trust Bank affiliate. 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 affiliated discretionary SMAs, utilizing multi-asset model portfolios and a centralized operational structure.

Scarlet Filmore is a CFP® professional with 17 years of experience in the financial services industry. She has worked at Ameriprise since 2018, following roles at 1st Global Advisors Inc., 1ST Global Capital Corp., and Monheit Financial Group. Outside of her advisory work, she is involved with Young Living Essential Oils, where she occasionally purchases products for personal use. Ameriprise provides retirement-income planning services tailored to clients approaching or in retirement, typically those with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

J Scott Rainey is a CFP® professional with 28 years of industry experience, currently serving at Charles Schwab in Phoenix, AZ. He has been affiliated with Charles Schwab and Charles Schwab Bank since 2008 and has been a member of the City of Fairlawn Planning Commission for 18 years. Rainey also serves on the advisory board of the Salvation Army, helping to guide local charitable activities. Charles Schwab & Co., Inc. serves a large client base of 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 both non-discretionary and discretionary investment guidance with multi-asset model portfolios and centralized custody and operational support.

Jacqueline Villa is a financial advisor at Osaic Wealth Inc with 19 years of industry experience. She holds a Series 66 designation and has worked at firms including Cetera, Woodbury Financial Services, and National Planning Corporation. Villa is also named as a future trustee on a family trust. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and multiple investment platforms to construct diversified portfolios tailored to client needs.

Matthew Goldman is a financial advisor with Charles Schwab in Peoria, AZ, holding Series 63 and Series 65 licenses and four years of industry experience. His prior work includes roles at Charles Schwab Bank and Yard House, as well as public service with the Jurupa Community Services District. 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, offering both non-discretionary investment guidance and access to discretionary separately managed accounts through an integrated and large-scale operational platform.

Tyler Zavala is a CFP®-designated financial advisor with six years of industry experience, currently with LPL Financial since 2022. He previously worked at AE Wealth Management, LLC and Independent Wealth Management. Zavala is also involved in tax preparation and accounting services through Rock Martin Private Wealth Management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by extensive research and technology.

Kenneth Riley is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined Merrill in 1999 after holding financial management positions at Boeing Corporation and Citigroup. Ken brings over thirty years of experience in corporate finance and investment to his advisory role. Ken holds a Master’s degree in International Management (Finance) from the Thunderbird School of Global Management, a Master’s degree in Business Administration from Arizona State University, and an undergraduate degree from the University of Arizona. He also holds the CERTIFIED FINANCIAL PLANNER (CFP®) designation and is a Personal Investment Advisor (PIA). Ken primarily serves clients who are retired or nearing retirement, focusing on capital preservation and long-term income strategies. He also emphasizes strategies aimed at preserving purchasing power amid global geopolitical and economic challenges. While his office is located at 26th Street and Camelback, Ken serves clients across twenty-four states in the United States.

Brandon Kron is a financial advisor with Cetera, holding a Series 66 designation and one year of industry experience. He has worked at Cetera and its affiliates since 2024 and previously held roles at Amerifirst Financial and the University of Arizona Eller College of Management. Kron also serves as a financial advisor at Renaissance Financial, providing asset management and financial services. Cetera Investment Advisers LLC is an SEC-registered firm with a nationwide network of over 10,000 advisors, serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services, operating a multi-manager platform that allows advisors to implement model portfolios, select third-party managers, or create bespoke strategies.

Miguel Hernandez Jr. is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2019, having also worked at JPMorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Matthew Morrell is a financial advisor with Charles Schwab based in Phoenix, AZ, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at USAA Life Insurance Company, USAA Investment Management Company, and USAA Financial Advisors Inc. He has worked at Charles Schwab and Charles Schwab Bank since 2021. 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 affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by comprehensive research and due diligence.

Indira Romero is a financial advisor at Charles Schwab with 12 years of industry experience. She holds the Series 66 designation and has worked at Charles Schwab since 2017, including a role at Charles Schwab Bank, SSB. Prior to Schwab, she spent a year at Bank of America/Merrill Lynch. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through a combination of wrap fee programs, managed accounts, and financial planning services. The firm utilizes a primarily non-discretionary client relationship model supplemented by access to discretionary separately managed accounts and employs multi-asset model portfolios supported by research and a formal alternative investment process.

Edward Williams is a CFP® with 35 years of experience in the financial services industry. He is currently with OSAIC, having joined in 2024, and previously worked for Mutual/United of Omaha Insurance Company for nearly three decades. In addition to his advisory role, he owns a retail sporting goods business in Phoenix, Arizona, and provides pro bono tax preparation assistance to older individuals from his church. OSAIC serves a wide range of clients, including individual investors, pension plans, and charitable organizations, offering integrated brokerage and advisory services through a large network of financial advisers. The firm employs advanced asset-allocation tools and supports various investment platforms, combining discretionary and non-discretionary account management.

Joseph Deihl is a financial advisor at Charles Schwab with Series 63 and Series 65 credentials and four years of industry experience. His prior roles include positions at The Vanguard Group, Wells Fargo, and work outside finance at Dairy Queen. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering a blend of advisory, brokerage, custody, and cash-sweep services through its Schwab Wealth Advisory wrap fee program and affiliated managed-account services. The firm’s model combines non-discretionary advice with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by ongoing research and due diligence.

Michael Kincaid is a financial advisor with LPL Financial in Phoenix, AZ, holding Series 63 and Series 65 licenses and 28 years of industry experience. Prior to joining LPL, he worked at New York Community Bank and currently serves at ONEAZ Credit Union. He is part owner of a gymnastics and cheerleading facility operated with his wife. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, with discretionary and non-discretionary management supported by research and model portfolios.