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.

Ryan Schall is a financial advisor at Creative Planning with nine years of industry experience. He previously worked at Morgan Stanley for three years and The Vanguard Group for six years. Schall holds the Series 63 and Series 66 licenses and is based in Scottsdale, AZ. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, pension plans, trusts, and corporations. The firm follows a financial-planning-led investment approach emphasizing low-cost indexing and buy-and-hold strategies for long-term goals, supplemented by tax-loss harvesting, individually managed portfolios, and selective private market investments.

Eric Newby is a CFP® professional with 18 years of industry experience, currently serving at Beacon Pointe Advisors, LLC. His prior experience includes roles at TD Ameritrade and Equitable Advisors. He is also a licensed insurance agent involved in Beacon Pointe Insurance Services. Beacon Pointe Advisors, LLC provides wealth advisory, consulting, financial planning, retirement-plan services, and outsourced chief investment officer solutions to individuals, corporations, and institutional clients. The firm employs a combination of asset-allocation modeling and third-party independent managers across active and passive strategies, with a focus on proprietary private funds and interval funds.

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.

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.

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.

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.

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.

Frank Kirby Jr. is a CFP® with 26 years of industry experience, currently affiliated with United Planners' Financial Services of America as a Limited Partner. His career includes roles at FireSky Financial, Inc., Rogers & Kirby Enterprise, and Agape Insurance Partners. He volunteers to facilitate financial and estate workshops, including sessions based on Dave Ramsey’s Financial Peace University, at Dream City Church in Phoenix, AZ. United Planners Financial Services serves a diverse client base including individuals, corporations, and charitable organizations, offering financial planning, portfolio management, retirement plan services, and brokerage solutions through a network of 477 independent advisors. The firm operates an open-architecture platform with multiple custodians and third-party money managers, with a significant portion of assets managed on a non-discretionary basis.

David Vincent is a CFP® professional with 16 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory, Inc. in Phoenix, AZ. He has been with Schwab Wealth Advisory since 2012 and has been affiliated with Charles Schwab & Co., Inc. since 2010. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s guidance is based on proprietary asset-allocation models and internal research tools, offering recommendations tailored to clients’ goals and risk tolerance without exercising discretionary trading authority.

Joshua Deforest is a CFP®, CFA®, and Series 65-licensed advisor at Mercer Global Advisors Inc. with 15 years of industry experience. He has been with Mercer in various roles since 2016. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments, providing investment advisory, financial, tax, retirement, and estate planning services. The firm employs a Modern Portfolio Theory-based investment approach with diversified, risk-appropriate portfolios using low-cost ETFs, index funds, and other vehicles, and offers specialized programs and client education initiatives.

Sheila Cuffari Agasi is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. She has been with United Planners and its affiliated entities since 2006. Agasi also serves as trustee of the Agasi Family Trust and is involved in personal investment holdings through Rainbow Rain, LLC. United Planners Financial Services is a national wealth-management enterprise serving individual investors, retirement plans, corporations, trusts, estates, and institutional clients. The firm offers advisory and brokerage services through independent representatives and employs a combination of custodians and third-party managers to implement client strategies.

Joseph Kabaki is a CFP®-designated financial advisor with eight years of industry experience. He is currently with Steward Partners Investment Advisory, LLC and has previously worked at Ameriprise Financial Services, LLC, Raymond James Financial Services, Inc., and Jackson Roskelley Wealth Advisors, Inc. Outside of advising, Kabaki serves as Treasurer on a nonprofit board. Steward Partners Investment Advisory, LLC is an enterprise-scale, SEC-registered RIA managing approximately $36.7 billion in assets. The firm serves individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations, offering diverse investment advisory and financial planning services through both discretionary and non-discretionary portfolio management.

Alison Mcguire is a financial advisor with PNC Wealth Management, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. Her career includes roles at PNC Investments since 2021 and previous positions at BBVA Wealth Solutions Inc., Bbva Securities Inc., Bbva Compass Insurance Agency, Inc., and COMPASS Bank dating back to 2006. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account available by invitation to employees, which uses algorithmic risk assessment and approved investment models managed by PNC or third-party strategists.

Charles Carter is a financial advisor with Commonwealth Financial Network in Phoenix, AZ. He holds the ChFC® designation and Series 63 license and has 31 years of industry experience. He has worked at Camelback Retirement Planners and Commonwealth Financial Network since 2013. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing about $212.7 billion in client assets. The firm offers a wide range of managed-account programs and access to third-party asset managers, providing advisory support across various investment strategies and account types.

T Powell is a CFP® professional with 14 years of experience in financial advising. He is currently with Beacon Pointe Advisors, LLC and has prior experience at firms including Stonegate Capital Advisors and Ameriprise Financial Services. In addition to his advisory role, he is an insurance agent at Beacon Pointe Insurance Services. Beacon Pointe Advisors, LLC provides wealth advisory, financial planning, retirement-plan services, and outsourced chief investment officer solutions to a diverse client base consisting of individual investors, corporations, and institutional clients. The firm uses a combination of asset-allocation modeling and third-party independent managers across active and passive strategies, and it acts as general partner for proprietary private funds while maintaining a broad range of institutional relationships.

Jeffrey Cary is a financial advisor with Schwab Wealth Advisory Inc. in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with Schwab Wealth Advisory since 2012 and has worked with Charles Schwab since 1999. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and research tools, with recommendations tailored to client goals and risk tolerance.

Yvonne Dolny is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 designations and bringing 27 years of industry experience. She has worked at Charles Schwab and its affiliated entities since 2004, including 11 years with Charles Schwab Bank before joining Schwab Wealth Advisory in 2019. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach relies on Schwab’s asset-allocation models and internal research, offering tailored recommendations reviewed at least annually.

Heather Turner is a financial advisor with PNC Wealth Management, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. Her previous roles include positions at BBVA Securities Inc., BBVA Wealth Solutions Inc., Compass Bank, and BBVA Compass Insurance Agency. She is based in Sun City, Arizona. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account available by invitation to employees. The firm utilizes algorithm-driven risk assessment and manages portfolios using approved model strategies with mutual funds and ETFs.

Paul Perreault Jr. is a financial advisor with United Planners Financial Services of America and holds Series 63 and Series 66 designations. He has 38 years of industry experience, including roles at First Financial Equity Corporation and managing his own practice, Paul A. Perreault Jr. He serves on the Four Peaks Rotary Signer-Oversight Committee in Fountain Hills, AZ. United Planners Financial Services supports a diverse client base, including individuals, corporations, charitable organizations, and institutional clients. The firm operates an open-architecture platform with multiple custodians and money managers, offering a range of advisory models and predominantly non-discretionary asset management through a network of 477 independent Investment Advisor Representatives.