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.

Delfinaa Solanki is a Series 66 licensed financial advisor with six years of industry experience. She is currently with Schwab Wealth Advisory and previously spent ten years at Merrill. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations utilizing Charles Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, distinguishing its service model from many peers.

Todd Garrett is a CFP® professional with 18 years of industry experience, currently serving at Schwab Wealth Advisory in Phoenix, AZ. He has been with Schwab and its affiliated entities since 2016. 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 across various asset classes. The firm operates within the Schwab ecosystem and utilizes standardized asset allocation models and research tools to guide client decisions, while not exercising discretionary trading authority.

Chad Ensign is a financial advisor at AE Wealth Management, LLC with 11 years of industry experience. He holds a Series 65 designation and has worked at AE Wealth Management since 2017. He is also president of Ensign Wealth Management, Inc., and serves as chapter president and instructor for the American Financial Education Alliance, a nonprofit focused on public finance education. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a platform-centered investment approach with model portfolio solutions, discretionary asset management, financial planning, and consulting services.

Cassandra Thornock is a CFP® professional at Beacon Pointe Advisors, LLC with nine years of industry experience. She has worked at Beacon Pointe since 2022 and previously held roles at Stoker Ostler Wealth Advisors, EF Legacy Securities, and Edelman Financial Services. In addition to her advisory duties, she is an insurance agent for Beacon Pointe Insurance Services, LLC. Beacon Pointe Advisors offers wealth advisory, consulting, financial planning, and retirement plan services to individual and institutional clients. The firm combines asset-allocation modeling with third-party independent managers and employs both active and passive strategies across public and private asset classes.

Patrick O'Leary is a financial advisor at Mercer Global Advisors Inc. with 24 years of industry experience. He previously worked at Charles Schwab & Co. from 2000 to 2024 before joining Mercer in 2024. He holds the Series 63 and Series 66 licenses. Mercer Global Advisors provides investment advisory and related planning services to individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofit organizations. The firm’s investment approach emphasizes globally diversified, risk-appropriate portfolios with multi-factor tilts, using a range of implementation options including ETFs, mutual funds, and separate accounts.

Anacapri Zuniga is a Series 66-licensed financial advisor with Schwab Wealth Advisory in Phoenix, AZ. Zuniga has been with Schwab Wealth Advisory and Charles Schwab & Co., Inc. since 2026. Prior to this, Zuniga held roles at Care.com, Hassayampa Academic Village, Nekter Juice Bar, and Salad and Go. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning discussions, and investment recommendations using Schwab’s proprietary research tools and standard asset allocation models.

Stephen Hazel is a CFP® with 17 years of industry experience, currently serving as an advisor at Farther since 2025. He previously led Hazel Financial, PLC dba Magnificent Life Financial Planning for 12 years. Outside of advising, he owns Foundation Tax Advisors LLC, a tax preparation business, and BoyerHazel & Co LLC, which provides administrative services. Farther provides discretionary investment management and related advisory services primarily to individual investors, trusts, and estates through a web and mobile platform and in-person meetings. The firm employs a Modern Portfolio Theory-based approach using proprietary model portfolios, algorithmic rebalancing, and a range of investment vehicles including ETFs, mutual funds, equities, and fixed income.

Steven Stombaugh is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 credentials and three years of industry experience. Prior to joining Schwab Wealth Advisory in 2025, he worked at Charles Schwab beginning in 2023, and he spent three years in full-time education from 2019 to 2022. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations based on standard asset allocation models and Schwab research tools. The firm operates within the Schwab ecosystem and does not charge clients directly, distinguishing its approach from many enterprise wealth managers.

Amrish Patel is a financial advisor with Independent Financial Group, LLC, holding a Series 66 designation and 24 years of industry experience. His prior work includes roles at Mass Mutual Investors Services, MassMutual Life Insurance Company, and MetLife Securities. Outside of his advisory work, he owns and operates Patel Wealth Management, LLC, which offers insurance, brokerage, and advisory services, and he provides private consulting and business coaching through GWS Advisors, LLC. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers a range of advisory programs through its AccessPoint platform and third-party asset managers, managing approximately $11.3 billion in regulatory assets under management.

Gavin Lyons is a CFP® professional with 14 years of industry experience, currently serving at Focus Partners Wealth, LLC since 2026. His prior roles include positions at Kovitz Investment Group Partners, LLC, TMD Wealth Management LLC, One Charles Private Wealth, and TMD & Associates, Inc. He is a member of the Schwab Client Experience Panel, providing feedback on custodian client experience on a voluntary basis. Focus Partners Wealth serves a diverse client base including individuals, high-net-worth families, corporate, retirement plan, and institutional clients, offering comprehensive wealth management, financial counseling, and fiduciary services. The firm employs a long-term, tax- and fee-sensitive investment approach combining fundamental and quantitative analysis with a range of investment options and a network of affiliated service companies.