Teresa Di Gregorio is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 66 licenses with six years of industry experience. She has previously worked at HUB International and Cresset Asset Management, and held roles within The Vanguard Group and its related entities. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible employer-sponsored retirement plan participants, utilizing a goal-based, algorithm-driven approach primarily built around Vanguard funds and ETFs. The firm manages a high volume of client relationships through its digital platform and a large team of advisors.

Tedda Rogers is a financial advisor at Charles Schwab with 30 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Charles Schwab since 2018, following prior roles at USAA Financial Planning Services and related entities. Outside of her advisory work, she owns a storage rental business providing space for vehicles and belongings. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its 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 utilizes multi-asset model portfolios supported by centralized operational and custody services.

Jana Frydman is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and 14 years of industry experience. She has been with Charles Schwab since 2010. 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 a non-discretionary client relationship model with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and operational services.

Wesley McCalley is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 credentials and bringing 19 years of industry experience. He has been with Vanguard in various capacities since 2005, including his current role at Vanguard Advisers since 2018. Vanguard Advisers provides both automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach with portfolios constructed mainly from Vanguard funds and ETFs, supported by a large team of advisors managing a high volume of client relationships.

Zachary Schwenk is a CFP® with eight years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has worked with Vanguard-affiliated entities since 2018 and has been self-employed intermittently. His background also includes experience at Biffs Bagels Inc. and Northern Arizona University. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. The firm utilizes a goal-based, algorithm-driven approach and primarily constructs portfolios from Vanguard funds and ETFs, offering customization options and tax-aware features.

Martin Falcon is a financial advisor at Fidelity with eight years of industry experience. He holds a Series 66 designation and has worked with Fidelity Investments, Fidelity Brokerage Services LLC, Charles Schwab Bank, Charles Schwab, and USM, Inc. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, delegated management, and involvement with registered investment companies and fund-of-funds.

Nathaniel Carlon is a financial advisor with LPL Financial in Scottsdale, AZ, holding Series 63, Series 65, and Series 66 registrations and 22 years of industry experience. His prior experience includes roles at Stifel Nicolaus & Co Inc, Equitable Advisors, and Chase Investment Services Corp. Outside of his advisory work, he is involved with BMC Strategies, a non-investment-related business entity. 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 advisory and brokerage services including financial planning, model portfolios, third-party asset management access, and institutional platforms, with a focus on providing both discretionary and non-discretionary investment strategies supported by operational and research tools.

Adam Carlat is a financial advisor with LPL Financial in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. His prior roles include positions at Morgan Stanley and PlanMember Securities Corporation. In addition to his advisory work, he is involved in an insurance business selling life insurance and fixed annuities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, supported by technology tools and a broad network of advisors.

Zachary Dias is a financial advisor at Vanguard Advisers with a Series 66 designation and one year of industry experience. His prior work experience includes roles at Ross Stores, Inc., Glendale Community College, and The Home Depot. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans by providing automated and human-supported investment advice through its digital and personal advisor services. The firm uses a goal-based, algorithm-driven investment approach with portfolios primarily constructed from Vanguard funds and ETFs, offering a range of customization options and tax-aware features.

Jeffrey Sauer is a financial advisor with Vanguard Advisers, holding a Series 66 designation and based in Scottsdale, AZ. He has been with Vanguard and its affiliated entities since 2026. Prior to joining Vanguard, his work experience includes roles in various industries such as hospitality and retail. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to create personalized asset allocations, primarily utilizing Vanguard funds and ETFs with various tax-aware and customization features.

Owen Scanlon is a financial advisor with Morgan Stanley in Scottsdale, AZ, holding a Series 63 designation and 41 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. Their planning process uses firm-approved tools and modeling techniques, serving clients both directly and through corporate financial planning agreements.

Thomas Lofy is a financial advisor at LPL Financial with 24 years of industry experience and holds the Series 66 designation. He has been with LPL Financial since 2003. Outside his advisory role, he is an attorney specializing in estate planning through his law firm, Lofy Law, PC, and also operates a tax preparation and accounting business. 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 advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Melissa Crews is a Series 66 licensed financial advisor at Wells Fargo Advisors with 14 years of industry experience. She has worked at Morgan Stanley, SharpePoint, Private Advisor Group, and LPL Financial before joining Wells Fargo Advisors in 2022. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services and develops tailored recommendations using proprietary research, planning tools, and simulation models.

Rickey Pickering is a financial advisor with Edward Jones in Sun City, AZ, holding a Series 66 designation and 14 years of industry experience. He has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and supported by a nationwide network of approximately 23,701 financial advisors.

Richard Schneider is a financial advisor with UBS Financial Services in Phoenix, AZ, holding Series 63 and Series 65 credentials and over 41 years of industry experience. He has been with UBS since 2006. Outside his advisory role, he serves as a co-executor for the Estate of Alexander Dube, overseeing asset liquidation and distribution. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client solutions.

Tessa Garnett is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds a Series 66 license and previously worked at BMO Harris Bank for nine years. Garnett is based in Phoenix, AZ. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by a centralized due diligence process and a combination of quantitative and qualitative research.

Douglas Hodges is a financial advisor with Morgan Stanley in Scottsdale, AZ, holding a Series 66 designation and 19 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, Hodges has served as an instructor’s assistant for the Center for Wealth Management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and scenario modeling as part of its financial planning process.

Mark Dunn is a financial advisor with Charles Schwab, holding Series 63 and Series 65 credentials and 22 years of industry experience. He has been with Charles Schwab & Co., Inc. and Charles Schwab Bank SSB since 2020, following previous roles at USAA-affiliated firms from 2005 to 2020. 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, utilizing multi-asset model portfolios and centralized operational structures.

Jeremy Cook is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 18 years of industry experience. He previously worked at Metlife Securities Inc for 10 years and has been with Mass Mutual Investors Services since 2017. Outside of his advisory role, he is an independent insurance agent licensed to sell life, accident, health, and property & casualty insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved software tools to analyze client goals and deliver written recommendations.

Connor Standring is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 designations and five years of industry experience. He has held roles within Vanguard Marketing Corporation and The Vanguard Group since 2021 and has prior experience with self-employment and various companies including UPS and Mass Mutual. Vanguard Advisers provides automated and human-supported investment advice through digital and personal advisor services, primarily serving retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven approach using proprietary models to tailor asset allocations, with portfolios constructed mainly from Vanguard funds and ETFs.