Phil Mcnulty is a CFP® professional with 16 years of industry experience. He is currently with Cambridge Investment Research Advisors and has held prior roles at firms including Verus Capital Partners, LPL Financial, Securities America, and PFG Advisors. His outside activities include ownership of Intentional, LLC and agent roles in businesses related to insurance, benefits, and marketing. Cambridge Investment Research Advisors is an SEC-registered firm serving a wide range of clients, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a large network of independent professionals, with investment strategies that span discretionary and non-discretionary approaches across multiple platforms and include proprietary and third-party models.

David Benson is a financial advisor with OSAIC based in Phoenix, AZ. He holds the ChFC® designation along with Series 63 and Series 66 licenses and has 26 years of industry experience. His prior roles include positions at Securian Financial Services, Minnesota Life, Financial Design Group, and SagePoint Financial. Outside of advising, he owns and operates Benson’s Burners, a sole proprietorship focused on growing, processing, bottling, and selling hot sauce products. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services supported by advanced asset-allocation tools and offers access to multiple investment platforms and third-party money managers.

Craig Lewis is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and 19 years of industry experience. He has worked at Charles Schwab since 2007 and at Charles Schwab Bank, SSB since 2016. Charles Schwab & Co., Inc. serves a large client base, 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 both non-discretionary and discretionary investment advisory options, utilizing multi-asset model portfolios and alternative investment due diligence.

Lauren Goeddel is a financial advisor at Charles Schwab with 17 years of industry experience and holds the Series 66 credential. She has been with Charles Schwab since 2011, totaling 15 years at the firm. 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 delivers investment guidance using multi-asset model portfolios and offers a combination of non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts.

James Phillips is a financial advisor at Morgan Stanley with 46 years of industry experience. He holds the Series 63 and Series 65 designations. Prior to his current role, he has worked at Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. He is involved in lending activities outside of his advisory role. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and provides services through financial advisors and estate planning professionals.

Paul Wilson is a financial advisor at Charles Schwab with five years of industry experience. He holds the Series 66 designation and has worked at firms including J.P. Morgan Securities LLC, Robinhood, and Morgan Stanley. 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 SMA portfolios and offers centralized custody, order routing, and due diligence on alternative investments.

David Fellows is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 33 years of industry experience. He has been with LPL Financial since 2008 and also operates Fellows Tax & Financial Service, which provides tax preparation, accounting, and non-variable insurance services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by a large network of investment adviser representatives.

Dylan Shendell is a financial advisor with Robert W. Baird & Co. in Phoenix, AZ, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Morgan Stanley and Fisher Investments, as well as an eight-year tenure at the University of Arizona. He is part of the DDK Group within Baird’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and institutional clients. The team offers a range of consulting and portfolio services, tailoring strategies through in-house and third-party managers across traditional and non-traditional asset classes.

Gerald Webster is a financial advisor with Cetera in Phoenix, AZ, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. His career includes long tenure at First Allied Securities and Advisory Services before joining Cetera in 2022. Outside of his advisory work, he is involved with Mind Power Capital Corp and serves as trustee of the Webster Revocable Trust. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, supporting both discretionary and non-discretionary accounts with over $256 billion in assets under management.

Gregory Smith is a financial advisor with UBS Financial Services in Phoenix, Arizona, holding Series 63 and Series 65 licenses and possessing 29 years of industry experience. He has worked at UBS since 2006, following positions at Wells Fargo Clearing and Prudential Equity Group. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, offering a broad range of capital markets and research resources to support client strategies.

Drew Armao is a financial advisor at RBC Capital Markets with 40 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining RBC Capital Markets in 2026, he spent 24 years at Robert W Baird & Co. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a wide range of clients including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers.

Kenneth Szymanski is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and 10 years of industry experience. He has worked at various entities within Charles Schwab since 2015, including Charles Schwab Bank, SSB, and Charles Schwab Premier Bank SSB. 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 a combination of non-discretionary and discretionary investment management supported by multi-asset model portfolios and integrated custody and brokerage services.

Philip Buck is a financial advisor at Charles Schwab with 22 years of industry experience. He has been with Charles Schwab since 2007 and holds the Series 63 and Series 66 designations. Based in Phoenix, AZ, he serves clients through one of the largest wealth management firms in the industry. Charles Schwab & Co., Inc. serves a large client base primarily composed 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 solutions using multi-asset model portfolios and a centralized operational structure.

Kevin Lewis is a financial advisor with Merrill in Phoenix, AZ, holding Series 63 and Series 66 licenses and 18 years of industry experience. He has been with Merrill since 2012. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Leslie Gutman is a financial advisor at Charles Schwab with 33 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and Charles Schwab Bank since 2000 and 2013, respectively. In addition to his advisory role, he volunteers as an IRS VITA tax preparer, providing free tax assistance to low-income individuals in the Phoenix area. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through the Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering a combination of non-discretionary and discretionary investment options within a large, integrated operational platform.

Sean Montijo is a Series 66-registered financial advisor with six years of industry experience, currently affiliated with Cetera. He has held roles at Renaissance Financial and Securian Financial Services, among others. Outside of finance, he manages a team at Spellbound Entertainment Group, a dining and entertainment promotions company. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary authorities across multiple program structures.

Matthew Moscatello is a financial advisor at UBS Financial Services with a Series 66 designation. He has diverse experience including roles at Deloitte Tax LLP and Arizona State University’s W. P. Carey School of Business. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans to clients’ goals and risk tolerances.

Jennifer Laughton is a financial advisor with Ameriprise in Phoenix, AZ, holding Series 63 and Series 65 licenses and 19 years of industry experience. She has been with Ameriprise and its affiliated entities since 2009. Outside of her advisory role, she owns JL Custom Creations, LLC, a business focused on handmade crafts such as cups, key chains, and pens. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with substantial investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized advice, primarily for clients with assets managed within Ameriprise.

Gregory Kraemer is a financial advisor with RBC Capital Markets in Phoenix, AZ, holding Series 63 and Series 65 designations and having 13 years of industry experience. He has previously worked at The Vanguard Group, Inc. and City National Bank. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a broad range of clients including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs with discretionary and non-discretionary portfolio management, tailored to each client’s risk profile and implemented through a combination of in-house and third-party investment managers.

Rachel Piloian is a financial advisor with Thrivent Investment Management in Phoenix, AZ. She holds a Series 66 designation and has been with Thrivent and its affiliates since 2018, with a break from work between 2014 and 2018. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based financial analyses and written recommendations on various planning topics without discretionary portfolio management.