Mathew Tracy is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 65 licenses and five years of industry experience. His prior roles include positions at Morgan Stanley and Buckingham Strategic Wealth, as well as earlier work outside finance at Obria Medical Clinics and Oregon State University. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering investment recommendations through standardized asset allocation models and Schwab research tools while clients retain final trading decisions.

Jacob Heisler is a CFP® and holds a Series 65 license with seven years of industry experience. He is currently with Beacon Pointe Advisors, LLC, where he has worked since 2019, following prior roles at Versant Capital Management and Barnes Investment Advisory. He also serves as an insurance agent with Beacon Pointe Insurance Services, LLC. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse range of individual and institutional clients, utilizing a proprietary manager “Focus List” and a combination of active and passive asset allocation strategies. The firm sponsors proprietary investment vehicles and acts as an operating general partner for multiple private funds.

Nicholas Ahumada is a financial advisor with Schwab Wealth Advisory based in Phoenix, AZ. He holds Series 65 and Series 63 licenses and has eight years of industry experience, including roles at Charles Schwab, Northwestern Mutual, and Wells Fargo Bank. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients financial reviews, retirement planning, and investment recommendations using Schwab’s research tools and standard asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

Michael Taylor is a financial advisor at Schwab Wealth Advisory with a Series 66 credential and two years of industry experience. His work history includes roles at Charles Schwab & Co., Fidelity Investments, U.S. Bank, and other firms prior to joining Schwab Wealth Advisory. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, using standard asset allocation models and Schwab research tools. The firm serves individual clients with annual financial reviews and investment recommendations, operating as an internal advisory unit within the Schwab ecosystem.

Daniel Friedlander is a financial advisor with PNC Wealth Management in Phoenix, AZ, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at BBVA Wealth Solutions, Northwestern Mutual Investment Services, Merrill Edge, and Grand Canyon University. Outside of his advisory work, he is the owner and producer of Aurora Records, a non-investment related business. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only, algorithm-driven digital offering that uses approved model strategies executed via mutual funds and ETFs.

Bruce Frank is a financial advisor with Eagle Strategies (NY Life) based in Scottsdale, AZ, holding a Series 63 designation and with 40 years of industry experience. He has worked with Nylife Securities Inc. and New York Life Insurance Company since 1985 and operates Bruce Frank Financial Group, LLC, brokering non-registered insurance products. Outside of his advisory roles, he is involved with Safe Management, which provides security services for the Arizona Cardinals and NFL events, and volunteers with Billy’s Place providing grief services for children and families, as well as the Fiesta Bowl committee. Eagle Strategies serves a diverse range of individual and institutional clients, offering financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm provides customized advice across multiple program types and manages the majority of assets on a non-discretionary basis, with a focus on relationships with institutional sponsors and integration within the New York Life affiliate structure.

Patrick Funke is a financial advisor with Commonwealth Financial Network, holding the ChFC® designation and Series 63 and 65 licenses. He has 36 years of industry experience, including prior roles at OSAIC, Securities America Advisors, Inc., and Geneos Wealth Management, Inc. He is co-owner of Patrick Funke & Associates, Inc., a private entity involved in securities, advisory, and insurance business. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients. The firm offers a variety of advisory programs and services, including discretionary model portfolios and personalized investment options, while providing operational, compliance, and practice-management support to affiliated advisors.

Charles Buchanan is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and possessing 29 years of industry experience. He has been with Charles Schwab and its affiliated firms since 1995. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, focusing on client-directed investment decisions without discretionary trading authority.

Andrew Padgett is a financial advisor at J. W. Cole Advisors, Inc. with 33 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has worked at Jonathan Roberts Advisory Group, Inc. since 2011 and J W Cole Financial Inc since 2007. Outside of advisory work, he operates a web design business and provides mobile notary public services. J. W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a network of over 400 independent representatives. The firm offers a range of portfolio management and financial planning solutions, including access to third-party managers and digital advice platforms.

Brooks Lau is a financial advisor with Principal Financial Services in Phoenix, AZ, holding Series 63 and Series 65 designations and 27 years of industry experience. He has been with Principal Securities Inc. and Principal Life Insurance Co. since 2004. Outside of his advisory role, he serves as a director of H.P. Lau Company, a family personal holding company. Principal Securities provides brokerage and registered investment advisory services to a diverse client base that includes individual investors, retirement plans, trusts, charitable organizations, corporations, and active-duty U.S. military personnel abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Michelle Bergmann is a financial advisor with United Planners Financial Services of America, holding a Series 66 designation and bringing 10 years of industry experience. Her prior roles include positions at Primerica Advisors, Wipfli LLP, Bradle Tax Services, Woodbury Financial Services, Brickheimer Planners, and SII Investments. Outside of her advisory work, she serves as treasurer for the Marathon County Literacy Council and is the inventor and creator of Common Cents, a teaching and coaching initiative. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm operates an open-architecture platform utilizing multiple custodians and third-party money managers, offering both fee-based and commission-based options through a network of 477 independent advisors.

Rico Knight is a financial advisor at Schwab Wealth Advisory with nine years of industry experience. He holds a Series 66 designation and has worked previously at J.P. Morgan Securities, Morgan Stanley, Bank of America, and Merrill. Outside of finance, he is involved with Uber Eats as a delivery driver and creates and sells t-shirt designs on Etsy. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Schwab’s research tools and standard asset allocation models.

Joshua Dorrance is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. He has worked at Schwab Wealth Advisory since 2020 and has been with Charles Schwab & Co., Inc. since 2017. Prior to this, he held roles at the University of New Mexico and its School of Medicine from 2013 to 2017. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools. The firm focuses on wealth management education and periodic account reviews, with discretionary management generally handled by affiliated or third-party managers.

Jack Stephens is a financial advisor at Schwab Wealth Advisory with Series 66 credentials and one year of industry experience. His prior work includes roles at Charles Schwab & Co., Inc., Wilde Wealth Management Group, and Tilton & Co. CPA's, P.C. Outside of finance, he has experience working in the food service industry with Ike's Love and Sandwiches and Amiel's Original Submarine. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers annual financial reviews and investment recommendations using Charles Schwab’s asset allocation models and research tools, with final trading decisions made by clients.

Jason Tamani is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 66 and Series 63 licenses and 14 years of industry experience. He has been with Charles Schwab since 2008 and with Schwab Wealth Advisory since 2015. Outside of financial services, he works part-time as an Amazon Flex delivery driver. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools. The firm offers annual financial reviews and investment recommendations while leaving final trading decisions to clients.

Laura Rider is a Series 66-credentialed financial advisor with 26 years of industry experience. She has worked at Rockefeller Financial LLC since 2020 and spent nine years at Morgan Stanley Smith Barney prior to that. Outside of her advisory role, she is a member of a family LLC that manages a residential property. Rockefeller Financial LLC serves high-net-worth individuals, families, family offices, institutional clients, retirement plans, foundations, and corporations. The firm uses a Private Advisor model supported by a consolidated investment platform to deliver a range of portfolio management and consulting services, and it is distinctive in operating as a registered broker-dealer with a broad set of affiliated capabilities.

Noah Putnam is a CFP® professional with eight years of industry experience. He is currently with Focus Partners Wealth, LLC and has prior experience at Sonora Investment Management Group, LLC and Sonora Investment Management LLC. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, families, retirement plans, institutions, and businesses. The firm employs a long-term, tax- and fee-sensitive investment approach within an enhanced open architecture framework that combines active and passive strategies, and it offers a range of specialized investment programs and consulting services.

Jared Spraggins is a CFP® professional with 26 years of experience in the financial services industry. He currently works at Schwab Wealth Advisory and has prior experience at The Vanguard Group and various Charles Schwab entities. Outside of finance, he is the owner of Waylon Records LLC, a record label involved in the creation, marketing, and distribution of music. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, focusing on annual financial reviews, retirement planning, and investment recommendations using Schwab's research tools. The firm operates as an internal advisory unit of Charles Schwab and does not directly charge clients fees or manage accounts on a discretionary basis.

Lucas Richard is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing four years of industry experience. His prior work includes roles at Bank of America and Charles Schwab & Co., Inc. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, using Schwab's asset allocation models and research tools to support clients with financial reviews, retirement planning, and investment recommendations. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly for advisory services.

Gary Johanson is a financial advisor at Hornor, Townsend & Kent, LLC with 31 years of industry experience. He holds Series 63 and Series 65 designations and has been associated with Penn Mutual Life Insurance Company and Hornor, Townsend & Kent since 2012. In addition to his advisory role, he is engaged in insurance sales and service for multiple carriers, including Penn Mutual. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a wide network of advisers. The firm offers advisory programs, financial planning, and retirement plan consulting while operating both advisory and broker-dealer services.