Randal Golden is a financial advisor at Corient in Phoenix, AZ, with 21 years of industry experience. He holds the Series 63 and Series 65 credentials and previously worked at Vivaldi Capital Management, LLC for 14 years. Outside of his advisory role, he performs occasional accounting work for a family-involved real estate joint venture. Corient provides investment advisory and financial planning services to a diverse client base including individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and corporate entities. The firm employs a goals-based, team investment approach that integrates individual security and fixed-income strategies with third-party manager solutions and customized asset allocation.

Steven Fox is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Schwab Wealth Advisory since 2012 and has worked at Charles Schwab since 2000. 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 proprietary asset-allocation models and research tools, with an emphasis on client-specific goals and risk tolerance.

John Odell III is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at Janney Montgomery Scott since 2022, following six years with Wells Fargo Clearing and two years with Wells Fargo Advisors LLC. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, including individuals, families, trusts, corporate and retirement plan sponsors, and municipal clients, offering brokerage services, financial planning, consulting, and multiple advisory programs.

Robert Schweitzer is a financial advisor with Transamerica Retirement Advisors, LLC in Phoenix, AZ. He holds Series 63 and Series 66 credentials and has four years of industry experience. His prior work includes roles at Fidelity Investments and Transamerica Life Insurance Company. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners by providing managed advice and investment education services. The firm uses Morningstar Investment Management’s proprietary software for portfolio construction and offers both managed portfolios and non-discretionary, view-only recommendations.

Jonathan Derra is a financial advisor with First Citizens Investor Services, Inc., holding a Series 66 designation and 23 years of industry experience. He previously worked at BancWest Investment Services Inc. for nine years before joining his current firm in 2023. Based in Phoenix, AZ, he serves a range of clients through First Citizens Investor Services. First Citizens Investor Services, Inc. provides advisory and brokerage services to individuals, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm emphasizes IAR-led financial assessments and applies fundamental, quantitative, and technical analysis across various investment vehicles, including equities, fixed income, and mutual funds.

David York is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. His career includes roles at Charles Schwab since 2009 and USAA financial services from 2006 to 2009. Outside of advisory work, he is involved in a real estate business in Phoenix, Arizona. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses asset-allocation models and internal research tools to offer tailored recommendations, primarily utilizing mutual funds, ETFs, and separately managed accounts, while executing trades only with client authorization.

Joshua Slagill is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. He has worked at Charles Schwab since 2021 and has prior experience in risk management and small business operations. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily for clients enrolled in the Schwab Wealth Advisory program, using proprietary asset allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance.

Christel Covert is a CFP® professional with 37 years of industry experience, currently serving at Independent Financial Group, LLC since 2009. She also owns Arizona Tax and Financial Advisors, PLLC, a tax preparation and accounting firm, and acts as trustee for several family trusts. Independent Financial Group, LLC offers investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and institutions. The firm provides financial planning and portfolio management through multiple platforms and employs a model-driven approach combining strategic asset allocation with active and passive investment exposures.

Torrey Pine is a CFP® with three years of industry experience, currently affiliated with CWM, LLC. Prior to joining CWM, they worked at Carson Wealth and Integrated Wealth Management. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm manages portfolios using model portfolios overseen by an internal Investment Committee and offers a range of services including portfolio management, financial planning, and retirement-plan solutions.

Christopher Cassutt is a financial advisor with Primerica Advisors in Phoenix, AZ, holding Series 63 and Series 65 licenses and 15 years of industry experience. His prior roles include positions at Guardian Life Insurance Company and Park Avenue Securities. He is also involved with Eagleston Financial Group, partnering to sell life and disability insurance through Guardian and other carriers. Park Avenue Securities LLC serves a wide retail client base including individual and high-net-worth investors, offering both brokerage and advisory services alongside financial and business consulting. The firm employs a variety of investment strategies through proprietary and third-party platforms and supports discretionary and non-discretionary account management.

Matthew Wilson is a financial advisor with United Planners' Financial Services of America and holds a Series 66 designation. He has 18 years of industry experience and has been involved with several firms, including Capital Analyst and Gold & Associates. Outside of his advisory role, he is the owner of New Market Wealth Management, a non-investment-related business. United Planners Financial Services serves a diverse client base, including individuals, corporations, charitable organizations, and institutional clients. The firm operates an open-architecture platform with multiple custodians and third-party money managers, offering both fee-based and commission-based financial planning, portfolio management, and retirement plan services.

David Ricci is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at Mercer Global Advisors Inc. He previously worked at The Vanguard Group and Fidelity Investments. Mercer Global Advisors provides investment advisory and planning services to individuals, families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm employs a globally diversified investment approach based on Modern Portfolio Theory and offers a range of portfolio management and financial planning solutions.

Brice Willoughby is a financial advisor with Independent Financial Group, LLC in Phoenix, AZ. He holds Series 63 and Series 65 licenses and has 18 years of industry experience. Willoughby has been with Independent Financial Group since 2007 and has been self-employed since 2005. Outside of his advisory role, he is also licensed as an Arizona insurance agent offering various insurance products. Independent Financial Group, LLC provides investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate and pension/profit-sharing plans, and charitable organizations. The firm employs strategic asset allocation and a combination of active and passive management across various investment platforms and risk profiles.

Christopher Bonnington is a financial advisor at TIAA-CREF with seven years of industry experience. He holds a Series 66 designation and has worked previously at Mutual of Omaha and Thrivent Financial. Bonnington is based in Phoenix, AZ. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals with existing employer retirement plan relationships, as well as trusts, estates, partnerships, and small retirement plans. The firm offers a fiduciary standard in its RIA services and operates within a vertically integrated structure that includes affiliated funds and donor-advised fund advisory services.

Brady Marlow is a CFP® professional with 22 years of industry experience, currently serving at Sequoia Financial Group, L.L.C. since 2025. His prior experience includes roles at CWM, LLC, Northwestern Mutual Wealth Management Company, and Ameriprise, among others. Outside of advisory work, he is the owner of Scopious Coaching, a life coaching business, and serves as Vice Chair of the Omaha Venture Group, a community foundation. Sequoia Financial Advisors, LLC provides wealth planning, investment management, and retirement-plan advisory services to a diverse client base including individuals, family offices, corporations, and charitable organizations. The firm employs a combination of model and custom portfolio management strategies and incorporates various investment vehicles such as mutual funds, ETFs, and private investments, with oversight by an Investment Policy Committee.

Erick Jimenez is a financial advisor with Foundations Investment Advisors LLC based in Phoenix, AZ. He holds Series 63 and Series 65 licenses and has eight years of industry experience. His prior roles include positions at Asset Preservation Wealth & Tax, Kingdom Financial Group, AXA Advisors, and Edelman Financial Engines Advisors. Foundations Investment Advisors, LLC provides financial planning and portfolio management services to individual and high-net-worth clients, as well as employer-sponsored retirement plans and registered investment companies. The firm uses a combination of fundamental, technical, and cyclical analysis and employs model portfolios with discretionary or non-discretionary authority assigned to its investment adviser representatives.

Kenneth Gatliff is a financial advisor at Creative Planning with 8 years of industry experience. He holds the Series 65 and Series 66 licenses. Prior to joining Creative Planning in 2022, he worked at Keystone Wealth Partners from 2018 to 2022 and Matson Money, Inc from 2007 to 2018. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a wide range of clients, including high-net-worth individuals, institutions, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies, supplemented by tax-loss harvesting, individually managed portfolios, and selective private market exposure.

James Garner is a financial advisor with Empower Advisory Group in Phoenix, AZ, holding Series 63 and Series 66 credentials and four years of industry experience. His prior roles include positions at J.P. Morgan Securities, The Vanguard Group, and Charles Schwab. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail brokerage clients. The firm’s integrated model focuses on long-term portfolio returns, annual rebalancing, and clients’ savings rates within plan lineups selected by plan sponsors.

Patricia Holdman is a CFP® professional with 19 years of experience in the financial services industry. She has worked at Charles Schwab and Schwab Wealth Advisory Inc. since 2020 and previously spent nine years at The Vanguard Group, Inc. in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab’s asset-allocation models and research tools. The firm focuses on client-authorized trades and offers tailored recommendations reviewed at least annually.

Jason Fredette is a CFP® and CFA® with 24 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, where he has worked since 2018, including prior roles at Charles Schwab and several banking institutions. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain referred clients, using asset-allocation models and internal research tools to tailor recommendations based on individual goals and risk tolerance.