Bryan Cacchiotti is a financial advisor at Charles Schwab with 17 years of industry experience. He holds Series 63 and Series 66 designations and has worked with Charles Schwab and Charles Schwab Bank since 2007 and 2010, respectively. Outside of his advisory role, he serves as Treasurer and Board Member for Deer Valley Little League, where he is involved in field maintenance and financial decisions for the organization. Charles Schwab serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts, using multi-asset model portfolios and a centralized operational structure.

Matthew Kovarik is a financial advisor at Edelman Financial Engines with 10 years of industry experience. He holds the Series 66 designation and has worked at Financial Engines Advisors L.L.C. since 2016, continuing with the firm through its transition to Edelman Financial Engines in 2025. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub-advisory services, and supports a large participant base through both advisor-led and online offerings.

Terrence O'Brien is a financial advisor at Charles Schwab & Co., Inc. in Phoenix, AZ, holding a Series 66 designation with eight years of industry experience. He has worked exclusively at Charles Schwab since 2018. 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 solutions, supported by centralized custody and operational infrastructure.

Joshua Delnoce is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and 19 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2011. Delnoce holds a 50% ownership interest in EIKOS Capital Management, LLC, a separate investment-related business based in Phoenix, AZ. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services and integrates advisory offerings with other financial products and referral channels.

Barry Fishco is a financial advisor with Ameriprise in Phoenix, AZ, holding Series 63 and Series 65 credentials. He began his advisory career with Ameriprise in 2026. Prior to this, Fishco held various roles including operating a modern American smokehouse and working at several service and retail companies. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides tailored recommendations and ongoing advice focused on reliable income sources and tax-aware withdrawal strategies.

William Wheeler is a financial advisor at LPL Financial with 40 years of industry experience. He has been with LPL Financial since 1993. Outside of advising, he has worked as a computer programmer consultant and has provided tax preparation, bookkeeping, and fixed life insurance services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individual investors, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Mustafa Bilenler is a financial advisor at Edward Jones in Glendale, AZ, holding a Series 66 designation with 19 years of industry experience. He previously worked at SagePoint Financial, Inc. and Advisor Group. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of advisors and branch offices.

Justin Scallan is a financial advisor at Merrill with 14 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Bank of America, N.A. and Merrill since 2014. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Ryan is a financial advisor at UBS Financial Services with one year of industry experience. He previously worked at Ameriprise Financial for five years and has a Series 66 designation. Outside of his advisory role, he is a partner in Desert Vista Partners, an LLC established as a holding company for potential business acquisitions. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining wealth management with institutional trading capabilities and proprietary research to tailor financial plans to clients’ goals and risk tolerances.

Chad Hayes is a financial advisor at Cetera with five years of industry experience. He holds a Series 66 designation and has worked at Renaissance Financial, Minnesota Life Insurance Company, and Securian Financial Services Inc. Outside of his advisory role, Hayes is also an insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Barry Hays is a CFP® professional with 25 years of experience in the financial industry. He has worked at Fidelity Investments since 2020 and previously spent 22 years at The Vanguard Group, Inc. His credentials also include the Series 63 and Series 65 licenses. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company, which provides investment management and advisory services to retail and institutional clients. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios and advisory services.

Barry Wickman is a financial advisor with RBC Capital Markets in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 51 years of industry experience. He has been with RBC Capital Markets LLC since 2008. Outside of his advisory role, he serves on the board of directors for the Anderson Condominiums association. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles.

Steven Rain is a financial advisor at Charles Schwab with eight years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab since 2017, including a role at Charles Schwab Bank since 2025. Prior to his investment career, he was employed by the Deer Valley Unified School District from 2012 to 2017. 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 operates a multi-asset model portfolio approach supported by centralized custody and order-routing arrangements.

Edgar Rauda is a Planning Consultant at Fidelity Investments, a role he has held since 2025. He has been with Fidelity Investments since 2021, progressing through several positions including Relationship Manager, Financial Representative, and Customer Relationship Advocate. Throughout his tenure, Edgar has focused on building impactful relationships with clients, helping them work toward their financial goals through trust and partnership. His career at Fidelity Investments has provided him with experience in client relationship management and financial planning. Edgar's progression within the company reflects his growing expertise in these areas. Details regarding his education, credentials, personal interests, or community involvement have not been provided.

Chad Spicer is a financial advisor with Charles Schwab, holding Series 65 and Series 66 licenses and possessing 18 years of industry experience. He has worked at Charles Schwab since 2020 and previously spent a decade with various USAA financial service entities. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a blend of non-discretionary investment guidance and access to affiliated discretionary managed accounts. The firm’s scale and integrated structure combine advisory, brokerage, and custody services with a distinctive operational approach that includes multi-asset portfolios and alternative investment options.

Kent Hughes is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 36 years of experience in the financial services industry. He is focused on building lifelong relationships with clients, educating them on wealth management strategies, and providing personalized advice to help meet their financial goals. Throughout his career, Kent has employed a goals-based approach that considers each client's risk tolerance, time horizon, and liquidity needs to develop tailored investment plans. His work also emphasizes retirement planning, helping clients understand how to manage their finances to ensure their money lasts throughout retirement. Kent holds a Bachelor's Degree from Wichita State University and holds the Personal Investment Advisor (PIA) designation. He was recognized by Barron's Magazine as one of the Top 1200 Financial Advisors for ten consecutive years as of 2019. In addition to his professional responsibilities, Kent participates in community volunteer activities in line with the Merrill tradition of community involvement.

Talon Seltzer is a CFP®-certified financial advisor with 11 years of industry experience, currently practicing at Charles Schwab in Phoenix, AZ. He has worked with Schwab Private Client Investment Advisory, Inc. and has been with Charles Schwab since 2015. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary investment recommendations and access to discretionary separately managed accounts. The firm’s integrated structure combines advisory, brokerage, custody, and cash-sweep services with a centralized operational model.

Christopher Kunzler is a financial advisor with Charles Schwab in Phoenix, Arizona, holding a Series 66 designation and nine years of industry experience. He has been with Charles Schwab 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios alongside alternative investment options.

Gabriella Carbone is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and seven years of industry experience. Her work history includes roles at Charles Schwab Bank, Cyclebar, and Charles Schwab & Co., Inc., where she has been employed since 2018. 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 offers both non-discretionary advisory guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence from its research center.

Anthony Costabile is a financial advisor with Cetera based in Phoenix, AZ, holding a Series 66 designation and seven years of industry experience. Prior to joining Cetera in 2020, he worked at AXA Advisors LLC for one year and has held various roles outside finance, including positions at Gold Coast Football Club and educational institutions. He is the sole owner of Zebrette Wealth Management, a pass-through entity for his self-employment income. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party money managers, operating a multi-manager platform with more than $256 billion in assets under management.