J Scott Rainey is a CFP® with 29 years of industry experience, currently serving as a financial advisor at Charles Schwab. He has been with Charles Schwab and affiliated entities since 2008. He also holds a long-standing role on the City of Fairlawn Planning Commission since 2008. Rainey is an advisory board member for the local Salvation Army. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment management, along with integrated brokerage, custody, and financial planning services.

Jacqueline Villa is a financial advisor at OSAIC Wealth Inc with 19 years of industry experience. She holds the Series 66 designation and has previously worked at Cetera, Woodbury Financial Services, National Planning Corporation, and the Airforce Department of State. She is also involved with Phoenix Financial Group, where she performs administrative and client service duties. OSAIC Wealth serves a diverse range of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization, with options for discretionary or advisor-managed strategies and access to third-party money managers.

Matthew Goldman is a financial advisor with Charles Schwab in Peoria, AZ, holding Series 63 and Series 65 licenses and four years of industry experience. His prior work includes roles at Charles Schwab Bank and Yard House, as well as public service with the Jurupa Community Services District. 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, offering both non-discretionary investment guidance and access to discretionary separately managed accounts through an integrated and large-scale operational platform.

Tyler Zavala is a CFP® with seven years of industry experience, currently affiliated with LPL Financial since 2022. He previously worked at AE Wealth Management, LLC and Independent Wealth Management. In addition to his advisory role, Zavala is involved in tax preparation and accounting through his work with Rock Martin Private Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individual and institutional clients through a large network of advisors. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supporting advisors with advanced research and operational tools.

Kenneth Riley is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined Merrill in 1999 after holding financial management positions at Boeing Corporation and Citigroup. Ken brings over thirty years of experience in corporate finance and investment to his advisory role. Ken holds a Master’s degree in International Management (Finance) from the Thunderbird School of Global Management, a Master’s degree in Business Administration from Arizona State University, and an undergraduate degree from the University of Arizona. He also holds the CERTIFIED FINANCIAL PLANNER (CFP®) designation and is a Personal Investment Advisor (PIA). Ken primarily serves clients who are retired or nearing retirement, focusing on capital preservation and long-term income strategies. He also emphasizes strategies aimed at preserving purchasing power amid global geopolitical and economic challenges. While his office is located at 26th Street and Camelback, Ken serves clients across twenty-four states in the United States.

Brandon Kron is a financial advisor with Cetera, holding a Series 66 designation and one year of industry experience. He has worked at Cetera and its affiliates since 2024 and previously held roles at Amerifirst Financial and the University of Arizona Eller College of Management. Kron also serves as a financial advisor at Renaissance Financial, providing asset management and financial services. Cetera Investment Advisers LLC is an SEC-registered firm with a nationwide network of over 10,000 advisors, serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services, operating a multi-manager platform that allows advisors to implement model portfolios, select third-party managers, or create bespoke strategies.

Miguel Hernandez Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and six years of industry experience. He has worked at J.P. Morgan Securities since 2019 and has been with JPMorgan Chase Bank, N.A. since 2012. 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’s advisory program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Matthew Morrell is a financial advisor with Charles Schwab based in Phoenix, AZ, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at USAA Life Insurance Company, USAA Investment Management Company, and USAA Financial Advisors Inc. He has worked at Charles Schwab and Charles Schwab Bank since 2021. 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 and offers multi-asset model portfolios supported by comprehensive research and due diligence.

Indira Romero is a financial advisor at Charles Schwab with 12 years of industry experience. She holds the Series 66 designation and has worked at Charles Schwab since 2017, including a role at Charles Schwab Bank, SSB. Prior to Schwab, she spent a year at Bank of America/Merrill Lynch. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through a combination of wrap fee programs, managed accounts, and financial planning services. The firm utilizes a primarily non-discretionary client relationship model supplemented by access to discretionary separately managed accounts and employs multi-asset model portfolios supported by research and a formal alternative investment process.

Edward Williams is a CFP® with 35 years of industry experience, currently serving as an advisor at OSAIC since 2024. His prior experience includes nearly three decades at Mutual/United of Omaha Insurance Company and Securities America Advisors. Outside of financial advising, he owns Team Sports Outfitters, the oldest sporting goods store in Arizona, which is managed day-to-day by his son. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment process uses model-based asset allocation and portfolio optimization, supporting a range of strategies including discretionary management and third-party manager selection.

Joseph Deihl is a financial advisor with Charles Schwab who holds Series 63 and Series 65 licenses and has four years of industry experience. His prior roles include positions at Wells Fargo Bank, Wells Fargo Clearing, and The Vanguard Group. Outside of finance, he also has experience working at Dairy Queen. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a blend of non-discretionary advisory and discretionary separately managed accounts, supported by strategic multi-asset portfolio models and centralized operational infrastructure.

Michael Kincaid is a financial advisor with LPL Financial in Phoenix, AZ, holding Series 63 and Series 65 credentials and 28 years of industry experience. His prior roles include positions at OneAZ Credit Union, New York Community Bank, UBS Financial Services, and KeyBanc Capital Markets. Outside of his advisory work, he is part owner of a gymnastics and cheerleading facility with his wife. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management access, and institutional platforms, utilizing a range of customizable investment strategies and advisor support tools.

Evan Soso is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 designations and 15 years of industry experience. His prior work includes positions at TD Ameritrade and Charles Schwab Bank. 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 a combination of non-discretionary and discretionary investment options supported by multi-asset model portfolios and centralized custody and operational services.

Christine Villacis is a Series 66-registered financial advisor at Merrill with four years of industry experience. She has worked at Bank of America since 2022 and has been with Merrill since 2005. Outside of her advisory role, she operates a sole proprietorship related to raising backyard chickens as a hobby with her son. 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. The firm offers model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jesse Jimenez is a financial advisor at J.P. Morgan Securities in Scottsdale, AZ, with 12 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at JPMORGAN Chase Bank, N.A. and J.P. Morgan Securities since 2014. Outside of finance, he was involved in the food and beverage industry through Oasis Bubble Tea LLC for nine years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory program delivers written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a framework that may include ESG considerations.

Troy Riley is a financial advisor with Charles Schwab based in Phoenix, Arizona. He holds the Series 66 designation and has 10 years of industry experience, including prior roles at Merrill and Bank of America. He has been with Charles Schwab since 2018. 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 a combination of non-discretionary advisory relationships with access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

William Sobers is a financial advisor with UBS Financial Services in Phoenix, AZ, holding a Series 66 designation and 22 years of industry experience. He has been with UBS since 2013. Sobers serves on the board of directors and is the Program Committee Chair for the Healthcare Financial Management Association, a national trade organization. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and advisory services, including portfolio management and financial planning. The firm integrates institutional trading capabilities with wealth management to offer a broad range of investment and capital markets services.

Dylan Monger is a financial advisor at Charles Schwab with Series 66 and Series 63 credentials and two years of industry experience. Prior to Schwab, he held roles at Hibu, Harkins Theatres, ZipRecruiter, and Yelp. Outside of his advisory work, he delivers food and grocery orders as a Dasher for DoorDash. Charles Schwab serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management, using multi-asset model portfolios and a centralized operational structure.

Jason Covington is a CFP® professional with 25 years of experience in the financial services industry. He is currently with Cetera and has previously worked at Schwab Private Client Investment Advisory, Inc. and Charles Schwab. He is also the owner of Covington Wealth Strategies LLC, which operates as a DBA for his Cetera business. Cetera Investment Advisers LLC is an SEC-registered advisory firm serving a broad client base that includes individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management and consulting services, serving over 10,000 advisors and managing more than $256 billion in assets.

Jason Peterson is a financial advisor at Edward Jones with 12 years of industry experience. He has held his position at Edward Jones since 2013. Outside of his advisory role, he owns two consulting businesses focused on business development and energy optimization. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of investment strategies and advisory services supported by a large network of financial advisors and branch offices nationwide.