Walter Usinowicz Jr. is a financial advisor with Oppenheimer, holding a Series 66 designation and 23 years of industry experience. He has been with Oppenheimer since 2005 and worked at Morgan Stanley DW Inc. from 2003 to 2005. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, charitable organizations, and IRAs. The firm offers a variety of investment and retirement services through discretionary and non-discretionary programs, managing a broad range of portfolios with an emphasis on strategic asset allocation and client-specific reporting.

Jason Edwards is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. He previously worked for The Vanguard Group, Inc. for 10 years before joining Charles Schwab and Schwab Wealth Advisory in 2024. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the SWA program and select referrals, utilizing Charles Schwab & Co.’s asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance.

Todd Ruble is a financial advisor at Beacon Pointe Advisors, LLC with 13 years of industry experience. He has held positions at Beacon Pointe Advisors since 2021 and previously worked at Stonegate Capital Advisors, LLC for six years. Ruble holds Series 63 and Series 65 licenses and is based in Scottsdale, AZ. Beacon Pointe Advisors provides wealth advisory, consulting, and retirement-plan services to a diverse client base that includes individuals, corporations, and institutional clients. The firm combines asset-allocation modeling with third-party independent managers and employs both active and passive strategies across public and private asset classes.

Craig Chapman is a CFP® with 30 years of industry experience. He has been with Oppenheimer since 2009 and previously worked at Citigroup Global Markets for 13 years. He serves as co-trustee of a personal family trust. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, and IRAs. The firm offers a broad range of programs and combines discretionary and non-discretionary advisory services, maintaining custody of client assets while operating both broker-dealer and advisory businesses.

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.

Gavin Tolan is a financial advisor with SPC based in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He previously worked at SCF Investment Advisors, Inc. and SCF Securities, Inc. for eight years. Outside of his advisory role, he coaches high school athletics at Arcadia High School. SPC provides investment management, financial planning, and retirement-plan advisory services to a diverse client base, including individual investors, employer-sponsored retirement plans, charitable organizations, and corporate clients. The firm delivers tailored investment advice through a large network of advisors and offers multiple account programs supported by Fidelity/NFS custody and execution services.

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.

Marvin Rosales is a financial advisor with PNC Wealth Management in Peoria, AZ, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at Fidelity Investments, Edward Jones, U.S. Bank, Amazon, Bank of America, and Merrill. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account available by invitation to employees. The firm utilizes algorithm-driven risk assessments and approved model strategies managed or delegated to third parties, focusing on mutual funds and ETFs with annual rebalancing.

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.

Ken Ihori is a financial advisor at Centaurus Financial, Inc. in Glendale, AZ, holding Series 63, 65, and 66 credentials with 30 years of industry experience. He has been with Centaurus Financial since 2011. Outside of advising, Ihori is involved in fixed life insurance sales, business consulting related to marketing and sales training, and occasional modeling for print ads, television, and video. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management through its CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services, employing a range of investment analysis techniques and both discretionary and non-discretionary management arrangements.

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.