Tyler Simpson is a financial advisor with Merrill in Scottsdale, AZ, holding a Series 66 designation and two years of industry experience. Prior to joining Merrill and Bank of America, he owned and operated several digital marketing and golf-related businesses, including UGRW Digital and Golf121, where he produces golf swing analysis content. He also manages Anandha LLC, which oversees his various brand ventures. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individual and institutional clients.

Karen Doering is a financial advisor at Wells Fargo Advisors with 43 years of industry experience. She has worked at Wells Fargo Advisors and Wells Fargo Clearing since 2009. She serves as an investment committee member at Concordia University Chicago, where she reviews investment performance and allocation. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu and integrates advisory services with other financial products and referral channels.

Matthew Sanders is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 66 and Series 63 licenses and having nine years of industry experience. He has worked at Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2017 and has been self-employed since 2026. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Personal Advisor services, primarily serving retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach featuring personalized asset allocation and portfolios constructed largely from Vanguard funds and ETFs.

Joseph Gallagher III is a CFP® with 21 years of industry experience, currently serving at Vanguard Advisers since 2013. He has also held roles at Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2004. 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 set personalized asset allocations, constructing portfolios mainly from Vanguard funds and ETFs while offering various tax-aware and customization features.

Natalie Rossi is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and nine years of industry experience. She has been with Vanguard Advisers since 2021 and has worked with related Vanguard entities since 2017. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans, offering automated and human-supported investment advice through digital and personal advisor services. The firm employs a goal-based, algorithm-driven investment approach, using Vanguard funds and ETFs with various tax-aware and customization features.

Julie Detienne is a Senior Financial Advisor with Merrill Lynch Wealth Management, where she leads the Wood DeTienne Dubinski Group in Scottsdale, Arizona. In her role, she develops comprehensive plans and solutions to assist affluent individuals, retirees, executives, women, and business owners in managing and preserving their wealth. Julie emphasizes a disciplined, long-term approach to wealth management, providing personalized service tailored to clients' financial goals, risk tolerance, and life stages. Since beginning her career in the financial industry in 2000 and joining Merrill in 2008, Julie has focused on areas including college education planning, tax minimization, retirement income, and portfolio management services. Her professional expertise is supported by several designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She holds a Bachelor's Degree from Minot State University. Julie is involved with several organizations, including the American Heart Association, Boys and Girls Clubs of the Valley, and Phoenix Children's Hospital. She was born and raised in North Dakota and enjoys adventure sports, basketball, golfing, hiking, running, skiing, spending time with family, and traveling.

Ryan Young is a financial advisor at Raymond James Financial with five years of industry experience. He holds a Series 66 designation and previously worked at the U.S. Department of Agriculture, the University of Maryland, Howard Community College, the YMCA, and served five years in the U.S. Marine Corps. Young is also the owner of Young Money Management, a corporation used for managing expenses. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm emphasizes non-discretionary planning tailored to client goals and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Roman Gonzalez is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. His prior roles include positions at Merrill, Allstate Insurance, Wells Fargo Clearing, and Southern New Hampshire University. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Personal Advisor services, serving retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and offers a range of portfolio customization options largely centered on Vanguard funds and ETFs.

Christopher Magnussen is a financial advisor at OSAIC with 25 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. His prior experience includes roles at Securities America, Applied Underwriters, and TD Ameritrade. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a broad network of affiliated advisors and advisory platforms. The firm integrates brokerage and investment advisory services, utilizing asset-allocation tools and third-party managers to construct diversified portfolios tailored to client preferences.

Michael McPhail is a financial advisor at Osaic with 24 years of industry experience. He holds Series 63 and Series 65 designations and has worked with Jefferson Pilot Securities Corporation and Lincoln Financial Advisors. Outside of his advisory role, he provides caregiving services to an immediate family member. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms offering integrated brokerage, investment advisory services, and access to third-party money managers.

Clayton Burke is a CFP® with 19 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has been with The Vanguard Group since 2006 and worked specifically as an advisor from 2015 to 2018. Based in Scottsdale, AZ, his career has been primarily focused within Vanguard's affiliated entities. Vanguard Advisers delivers both automated and human-supported investment advice to retail investors and eligible retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach utilizing proprietary methodologies and primarily invests in Vanguard funds and ETFs, managing a large client base through its digital platform and team servicing model.

Allen St Clair is a financial advisor at Edward Jones with 11 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2014. Outside of his advisory role, he works as a pitching coach for a private baseball team called Rip City in Phoenix, providing private instruction. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Peter Dutoit is a financial advisor at OSAIC with 13 years of industry experience. He holds a Series 65 designation and has worked at several firms, including Royal Alliance Associates, TD Bank N.A., TD Private Client Wealth, TD Ameritrade, and Foresters Financial Services. He is based in Scottsdale, AZ. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to various managed account solutions. The firm employs asset-allocation tools, efficient-frontier analysis, and automated rebalancing to construct diversified portfolios and supports multiple advisory platforms and third-party services.

Maximilian Kendall is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and two years of industry experience. His prior roles include positions at Equitable Advisors, Ensign Advisory Partners, Cetera Advisor Networks, and Thrivent Financial. Before entering the financial industry, he spent ten years working in education at California Lutheran University, Utah Valley University, and Pinnacle High School. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with a broad range of investment and financial planning services. The firm offers tailored recommendations using proprietary research and planning tools, addressing areas such as retirement, education, risk management, and niche planning needs.

Sandra Kramer is a financial advisor with Ameriprise in Phoenix, AZ, holding a Series 63 designation and 28 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory role, she is involved in a business entity that holds commercial real estate. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement with substantial investable assets, providing tailored recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to deliver non-discretionary, customized advice through a centralized team working alongside financial advisors.

Andrea Fisher is a financial advisor with Vanguard Advisers who holds Series 63 and Series 66 licenses and has 13 years of industry experience. She has been with The Vanguard Group, Inc. since 2013. 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, largely with Vanguard funds and ETFs, and manages a large client base through its digital delivery and team servicing model.

Amanda Farr is a financial advisor at Vanguard Advisers with eight years of industry experience. She holds a Series 66 designation and has worked at multiple entities within the Vanguard organization since 2016. Outside of her advisory role, Farr owns and operates Roughneck Data Services, an engineering consulting business, and Mandy Lea Photography Studio. Vanguard Advisers serves retail investors and eligible participants in employer-sponsored retirement plans through both automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach to constructing portfolios primarily from Vanguard funds and ETFs, supported by a digital delivery platform managing a large client base.

Nicholas Favia is a Series 66-registered financial advisor with Morgan Stanley in Scottsdale, Arizona, where he has 13 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2014 and 2015, respectively. Outside of his advisory role, he serves on the Finance Committee of STARS AZ, a community organization based in Scottsdale. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer providing a variety of advisory programs and tailored financial planning services to individual and institutional clients. The firm manages over $2.7 trillion in assets and employs a structured planning process utilizing proprietary tools and market models.

Christopher Armenta is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds the Series 66 designation and has previously worked at USAA Investment Services Company and USAA Life Insurance Company. Outside of his advisory role, he is involved with the Church of God for the Nations in Phoenix, where he participates as a worship team member providing musical support. J.P. Morgan Securities LLC offers institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering 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.

Marvin Gonzalez is an advisor with Vanguard Advisers, holding Series 66 and Series 63 licenses. He has one year of industry experience, with prior roles at Morgan Stanley and Wells Fargo, as well as several years at Shamrock Foods Company. Vanguard Advisers offers automated and human-supported investment advice through its digital and personal advisor services, primarily serving 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.