Julie Detienne is a Senior Financial Advisor with Merrill Lynch Wealth Management, where she leads the Wood DeTienne Dubinski Group in Scottsdale, Arizona. In her role, she develops comprehensive plans and solutions to assist affluent individuals, retirees, executives, women, and business owners in managing and preserving their wealth. Julie emphasizes a disciplined, long-term approach to wealth management, providing personalized service tailored to clients' financial goals, risk tolerance, and life stages. Since beginning her career in the financial industry in 2000 and joining Merrill in 2008, Julie has focused on areas including college education planning, tax minimization, retirement income, and portfolio management services. Her professional expertise is supported by several designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She holds a Bachelor's Degree from Minot State University. Julie is involved with several organizations, including the American Heart Association, Boys and Girls Clubs of the Valley, and Phoenix Children's Hospital. She was born and raised in North Dakota and enjoys adventure sports, basketball, golfing, hiking, running, skiing, spending time with family, and traveling.

Ryan Young is a financial advisor at Raymond James Financial with five years of industry experience. He holds a Series 66 designation and previously worked at the U.S. Department of Agriculture, the University of Maryland, Howard Community College, the YMCA, and served five years in the U.S. Marine Corps. Young is also the owner of Young Money Management, a corporation used for managing expenses. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm emphasizes non-discretionary planning tailored to client goals and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Roman Gonzalez is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. His prior roles include positions at Merrill, Allstate Insurance, Wells Fargo Clearing, and Southern New Hampshire University. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Personal Advisor services, serving retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and offers a range of portfolio customization options largely centered on Vanguard funds and ETFs.

Michael McPhail is a financial advisor at Osaic with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Jefferson Pilot Securities Corporation and Lincoln Financial Advisors. Outside of his advisory role, he provides caregiving services to an immediate family member. Osaic Wealth serves a diverse group of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning and advisor-managed portfolios. The firm’s investment approach emphasizes model-based asset allocation, portfolio optimization, and a range of customizable strategies.

Clayton Burke is a CFP® with 19 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has been with The Vanguard Group since 2006 and worked specifically as an advisor from 2015 to 2018. Based in Scottsdale, AZ, his career has been primarily focused within Vanguard's affiliated entities. Vanguard Advisers delivers both automated and human-supported investment advice to retail investors and eligible retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach utilizing proprietary methodologies and primarily invests in Vanguard funds and ETFs, managing a large client base through its digital platform and team servicing model.

Allen St Clair is a financial advisor with Edward Jones in Scottsdale, AZ, holding a Series 66 designation and 12 years of industry experience. He has been with Edward Jones since 2014. Outside of his advisory role, he works as a pitching coach for a private baseball team called Rip City, providing instruction at a local training facility. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, with a nationwide network of financial advisors and branch offices.

Peter Dutoit is a financial advisor at OSAIC with 14 years of industry experience. He holds a Series 65 designation and has worked at firms including Royal Alliance Associates, TD Bank, TD Ameritrade, and Foresters Financial Services. He is based in Scottsdale, AZ. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by a range of programs and third-party manager options.

Maximilian Kendall is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and two years of industry experience. His prior roles include positions at Equitable Advisors, Ensign Advisory Partners, Cetera Advisor Networks, and Thrivent Financial. Before entering the financial industry, he spent ten years working in education at California Lutheran University, Utah Valley University, and Pinnacle High School. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with a broad range of investment and financial planning services. The firm offers tailored recommendations using proprietary research and planning tools, addressing areas such as retirement, education, risk management, and niche planning needs.

Sandra Kramer is a financial advisor with Ameriprise in Phoenix, AZ, holding a Series 63 designation and 28 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory role, she is involved in a business entity that holds commercial real estate. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement with substantial investable assets, providing tailored recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to deliver non-discretionary, customized advice through a centralized team working alongside financial advisors.

Andrea Fisher is a financial advisor with Vanguard Advisers who holds Series 63 and Series 66 licenses and has 13 years of industry experience. She has been with The Vanguard Group, Inc. since 2013. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to create personalized asset allocations, largely with Vanguard funds and ETFs, and manages a large client base through its digital delivery and team servicing model.

Amanda Farr is a financial advisor at Vanguard Advisers with eight years of industry experience. She holds a Series 66 designation and has worked at multiple entities within the Vanguard organization since 2016. Outside of her advisory role, Farr owns and operates Roughneck Data Services, an engineering consulting business, and Mandy Lea Photography Studio. Vanguard Advisers serves retail investors and eligible participants in employer-sponsored retirement plans through both automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach to constructing portfolios primarily from Vanguard funds and ETFs, supported by a digital delivery platform managing a large client base.

Nicholas Favia is a Series 66-registered financial advisor with Morgan Stanley in Scottsdale, Arizona, where he has 13 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2014 and 2015, respectively. Outside of his advisory role, he serves on the Finance Committee of STARS AZ, a community organization based in Scottsdale. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer providing a variety of advisory programs and tailored financial planning services to individual and institutional clients. The firm manages over $2.7 trillion in assets and employs a structured planning process utilizing proprietary tools and market models.

Christopher Armenta is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds the Series 66 designation and has worked previously with USAA Investment Services Company and American National Insurance Company. Outside of his advisory role, he is a worship team member at the Church of God for the Nations, where he provides music support during services. J.P. Morgan Securities offers institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a framework that may incorporate ESG criteria.

Marvin Gonzalez is a financial advisor at Vanguard Advisers with one year of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining Vanguard, he worked at Shamrock Foods Company, Morgan Stanley, Smith, Barney, LLC, Wells Fargo Bank, NA, and Bimbo Bakeries USA. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans, using a goal-based, algorithm-driven approach that incorporates Vanguard funds and ETFs with various tax-aware features and customization options.

Monika Kotowski is a financial advisor at Morgan Stanley in Scottsdale, AZ, holding a Series 66 designation with 10 years of industry experience. She has been with Morgan Stanley since 2012 and is currently associated with Morgan Stanley Private Bank, N.A. Kotowski owns Sonoran Sunset Properties LLC. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery and firm-approved tools, serving clients both directly and through corporate agreements.

Josh Schechter is a financial advisor at Osaic with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including multiple roles at Raymond James from 2008 to 2022, and Triad Advisors LLC from 2022 to 2024. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services through various programs emphasizing model-based asset allocation, portfolio optimization, and a wide range of investment options supported by a complex affiliate network.

Abtin Zarrabi is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on providing clients with personalized wealth management strategies designed to address their full financial picture and evolving market conditions. Abtin works closely with clients to develop tailored approaches in portfolio management, tax minimization, retirement income, and both individual and corporate investment strategies. He holds a Personal Investment Advisor (PIA) designation and completed his bachelor's degree at Shiraz University, followed by a master's degree from the University of California System. Abtin's client service approach centers on one-on-one collaboration to help clients pursue their long-term financial goals. Outside of his professional role, he enjoys hiking, music, photography, reading, and running.

Eric Dye is a financial advisor at Cetera with 24 years of industry experience. He holds Series 66 and Series 63 licenses and has worked with firms including J.P. Morgan Securities LLC and Financial Engines Advisors L.L.C. He is also involved in estate and trust financial planning through his role with Netvest Financial, LLC, where he provides financial services and sells fixed insurance products such as life, health, disability, and Medicare supplement insurance. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary authorities and providing access to affiliated and third-party investment managers.

Israel Bentley is a financial advisor with Vanguard Advisers and holds Series 63 and Series 66 licenses. He has eight years of industry experience, including roles at The Vanguard Group, Inc. and Vanguard Marketing Corporation since 2017, as well as prior work with the University of Phoenix. Outside of his advisory role, he sells sports cards on eBay as a self-employed activity. Vanguard Advisers provides both automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios mainly composed of Vanguard funds and ETFs, leveraging its scale and digital platform to manage a large client base efficiently.

Jinfu Yang is a financial advisor at Vanguard Advisers with three years of industry experience. He holds the Series 66 designation and has previously worked at Morgan Stanley and Bank of America. Vanguard Advisers offers automated and human-supported investment advice to retail investors and eligible retirement plan participants, utilizing a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs. The firm manages a large client base through its digital platform and a team servicing model.