Casey Kleiner is a CFP® professional at Concurrent Investment Advisors, LLC with six years of industry experience. Prior to joining Concurrent, Casey worked at Schwab Wealth Advisory and Charles Schwab & Co., Inc. He has also held roles outside of finance, including positions at Arizona State University and Scrapbook.com. Concurrent Investment Advisors, LLC is a multi-team SEC-registered advisory firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm focuses on customized, primarily long-term portfolios using ETFs, mutual funds, and other investment vehicles, supported by a network of approximately 286 advisors serving over 13,000 clients.

Muhammad Sobki is a financial advisor at T. Rowe Price Advisory Services, Inc. with 12 years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones & Co., L.P. for 13 years. T. Rowe Price Advisory Services, Inc. offers the Retirement Advisory Service, which provides goals-based financial planning, retirement income planning, and discretionary investment management primarily to individual investors and households. The firm uses model allocations with T. Rowe Price mutual funds and ETFs, employing tax-aware strategies and Monte Carlo simulations for retirement projections.

Juan Garcia is a financial advisor with First Command Advisory Services in Gilbert, AZ, holding Series 63 and Series 65 credentials and seven years of industry experience. His prior work includes service with the Naval War College and Seventh Fleet. Outside of his advisory role, Garcia serves as a conditioning coach for the ASU High School Boys Soccer Team. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm provides financial planning and wrap-fee asset management programs managed by a centralized Investment Management Team and Wealth Portfolio Managers.

Angela Hawk is a Certified Financial Planner (CFP®) with 26 years of experience in the financial services industry. She has been with Charles Schwab and Schwab Wealth Advisory since 2000, including 14 years at Schwab Wealth Advisory Inc. based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm offers non-discretionary guidance on asset allocation and investment selection, utilizing Schwab’s proprietary research tools and standardized asset-allocation models tailored to client goals and risk tolerance.

Blake Ward is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 credentials and one year of industry experience. His prior work includes roles at Charles Schwab & Co., Stella Centers, and Clarify Health. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab & Co.’s asset-allocation models and research tools. The firm offers tailored recommendations through at-least-annual reviews without exercising discretionary trading authority.

Anton Halka is a financial advisor at Transamerica Financial Advisors with 30 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Allstate Financial Advisors and Halka Insurance Services. His background also includes roles at Total Wine and More and experience in the travel industry. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individual investors and employer-sponsored plans. The firm employs a model portfolio approach supported by third-party money managers and digital platforms, managing approximately $1.7 billion in regulatory assets.

Spencer Ellsworth is a CFP® with six years of industry experience, currently serving at Schwab Wealth Advisory. He previously held roles at Vanguard Advisers, Inc. and The Vanguard Group, Inc. outside of his advisory career, he worked in the food service industry and was affiliated with The Church of Jesus Christ of Latter Day Saints. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab & Co.’s asset-allocation models and research tools. The firm emphasizes individualized recommendations with at-least-annual reviews and does not exercise discretionary trading authority.

Jon Coger is a financial advisor with Osaic Institutions, Inc. in Phoenix, AZ, holding a Series 66 designation and 13 years of industry experience. His prior work includes roles at Arizona Federal Credit Union, CUSO Financial Services, Bank of America, Merrill, and other financial firms. Osaic Institutions, Inc. serves individuals, retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm employs a hybrid adviser/broker-dealer structure and offers customized advisory services, financial planning, and access to alternative investments and lending solutions.

Prithibi Chauhan is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and four years of industry experience. Prior to joining Schwab Wealth Advisory in 2025, Chauhan worked at Bank of America, Merrill, and Charles Schwab. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on Charles Schwab’s asset-allocation models and internal research, offering tailored recommendations without exercising discretionary trading authority.

Matthew Underwood is a financial advisor at Schwab Wealth Advisory with 26 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Charles Schwab and its affiliated firms since 1999. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab–referred clients, offering non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Charles Schwab’s standard asset-allocation models and internal research tools.

Nicholas Keyser is a financial advisor at Empower Advisory Group with 11 years of industry experience. He holds Series 63 and Series 66 designations and previously worked for The Vanguard Group for seven years. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as select retail brokerage clients. The firm’s services are integrated with Empower’s recordkeeping and administrative platforms and emphasize long-term portfolio returns and client savings rates.

Olivia Starkey is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding a Series 66 designation. She has one year of industry experience and prior roles at Charles Schwab & Co. and the City of Tempe. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on Charles Schwab’s asset-allocation models and internal research tools, with recommendations tailored to client goals and risk tolerance.

Joseph Kroleski is a financial advisor at Kestra Advisory with 13 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at multiple firms including Cambridge Investment Research, FinTron Advisors, and eToro USA Securities. Kroleski is also the owner of Exigo Consulting, a consulting business that is currently inactive while he is registered with another firm. Kestra Advisory provides investment advisory and retirement-plan consulting services to a diverse client base, including plan sponsors and institutional investors. The firm offers fiduciary consulting, plan design, investment advice, and access to multiple management platforms, serving clients ranging from individual investors to sovereign wealth funds.

Jeanine Borger is a financial advisor at Schwab Wealth Advisory with 15 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked for The Vanguard Group, Inc. for 11 years before joining Charles Schwab in 2022. 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, financial planning, and wealth management consultations. The firm uses standard asset-allocation models and internal research tools to offer tailored recommendations with client-approved trades.

John Ross is a financial advisor with Kestra Advisory who holds Series 63 and Series 65 credentials and has 31 years of industry experience. He has been with Kestra Advisory since 2016 and has a long tenure with Kestra Investment Services, LLC dating back to 2003. Ross co-owns National Investment Advisors, Inc., a registered representative business affiliated with Kestra. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base including plan sponsors and institutional and individual investors. The firm offers a range of fiduciary services and access to multiple management platforms and third-party solutions, serving large institutional clients alongside retail investors.

Connor Weinman is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 66 designations and possessing 12 years of industry experience. His prior roles include positions at Morgan Stanley, Bank of America, and Merrill Lynch. Weinman is based in Chandler, Arizona. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education services. The firm uses proprietary technology and third-party model portfolios to provide asset allocation and retirement planning guidance, focusing primarily on non-discretionary and managed portfolios for a broad client base.

Patrick Kilkenny is a financial advisor at Schwab Wealth Advisory, Inc. He holds Series 63 and Series 66 licenses and has four years of industry experience. Prior to joining Schwab Wealth Advisory in 2026, he worked at Charles Schwab & Co., Inc. and held various roles outside of finance, including positions at Wal-Mart and Escape the Room AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab–referred clients. The firm’s advice is based on proprietary asset-allocation models and internal research, with trades executed only upon client authorization.

Thomas Travaglini is a CFP® with seven years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. since 2022. Prior to this, he worked at Charles Schwab and Co., Inc. and spent three years at Omni Montelucia Resort and Spa. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s approach is based on Schwab’s asset-allocation models and internal research tools, offering tailored recommendations reviewed at least annually.

Vincent Tang is a CFP® professional with 18 years of experience in the financial industry. He has been with Schwab Wealth Advisory Inc. since 2012 and has worked at Charles Schwab since 2008. Based in Phoenix, AZ, he holds Series 63 and Series 66 licenses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses Charles Schwab’s asset-allocation models and research tools to deliver tailored guidance on asset allocation and investment selection, with trades executed only upon client authorization.

Justin Free is a CFP® professional with 15 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory in Phoenix, AZ. His prior roles include positions at Morgan Stanley, Wells Fargo Clearing Services LLC, and Bank of America/Merrill. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s guidance is based on Charles Schwab & Co.’s asset-allocation models and research tools, offering tailored recommendations while requiring client authorization for trades.