Andrew Victor is a financial advisor at UBS Financial Services in Phoenix, AZ, holding Series 66 and Series 63 licenses with four years of industry experience. His prior roles include positions at Morgan Stanley and Charles Schwab. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, employing proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, offering a broad platform that includes underwriting, market-making, and securities-backed lending programs.

Isaac Montano is a financial advisor with Cetera, holding the Series 66 designation and seven years of industry experience. He has worked at Renaissance Financial and Minnesota Life, among other firms, and currently operates as a financial advisor offering securities, insurance, and advisory services. Montano is also active as an insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is a national SEC-registered firm serving individual and institutional clients through a multi-manager platform that offers discretionary and non-discretionary portfolio management, financial planning, and retirement services. The firm supports over 10,000 advisors and manages more than $256 billion in assets.

Paul Ganshirt is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 designations and possessing 11 years of industry experience. He previously worked at Stifel Nicolaus & Co Inc and Scottrade, Inc. before joining Charles Schwab and its Trust Bank affiliate. 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 SMAs, utilizing multi-asset model portfolios and a centralized operational structure.

Scarlet Filmore is a CFP® professional with 17 years of experience in the financial services industry. She has worked at Ameriprise since 2018, following roles at 1st Global Advisors Inc., 1ST Global Capital Corp., and Monheit Financial Group. Outside of her advisory work, she is involved with Young Living Essential Oils, where she occasionally purchases products for personal use. Ameriprise provides retirement-income planning services tailored to clients approaching or in retirement, typically those with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

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.

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.

Jeremy Morgan is a financial advisor at Edward Jones in Phoenix, AZ, holding a Series 66 designation with three years of industry experience. Prior to joining Edward Jones, he worked for twelve years at Grand Canyon University. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment advisory programs, including discretionary and non-discretionary strategies, and provides affiliated mutual funds and tax-efficient services under a fiduciary standard.

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.

Adam Wertheimer is a financial advisor at Fidelity with 19 years of industry experience. He holds the CFP® designation, as well as Series 63 and Series 65 licenses. His prior experience includes roles at Bank of America and Merrill. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs. The firm also serves as an adviser to multiple registered investment companies and employs systematic methodologies and oversight in its investment approach.

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.

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.

Alan Conrad is a financial advisor with Raymond James Financial in Goodyear, AZ. He holds the Series 66 designation and has one year of industry experience. Prior to joining Raymond James, he worked in various roles including positions at Family Tree Health Care and Prospect Blue. He owns Blue Sky Financial Services PLLC, through which he operates as an independent contractor for Raymond James. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, and institutional investors. The firm offers tailored, non-discretionary advisory services and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Gina Mancebo is an Executive Planning Consultant at Fidelity Investments, a role she has held since 2025. She collaborates with executives to develop personalized financial strategies that align with their goals and changing needs. Gina focuses on simplifying complex financial decisions and fostering long-term relationships with her clients. Her experience at Fidelity Investments spans several positions since 2015, including Benefits and Planning Consultant, Branch Planning Consultant, Relationship Manager, and Financial Representative. This range of roles has given her a broad perspective on financial planning and client service. Gina holds a California Insurance License. Outside of her professional responsibilities, she has interests in hiking, running, traveling, volunteering, and spending time with her pets.

Kristen Marler is a financial advisor at Edward Jones in Phoenix, AZ, holding a Series 66 designation with four years of industry experience. Her prior roles include positions at the Ahwatukee Chamber of Commerce and Arizona's Vision. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm maintains a large national network of advisors and branch offices and operates under a fiduciary standard.

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.

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.