Gary Schmertmann is a financial advisor with Raymond James & Associates holding the ChFC®, Series 63, and Series 65 designations and has 40 years of industry experience. His prior work includes ten years at Wells Fargo Clearing and five years at Wells Fargo Advisors LLC. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Nicholas Lindow is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. He has been with Vanguard entities since 2017, including Vanguard Marketing Corporation and The Vanguard Group, and is based in Scottsdale, AZ. Vanguard Advisers offers a combination of automated and human-supported investment advice primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach to portfolio construction, utilizing proprietary models and primarily Vanguard funds and ETFs.

Aleksandra Karac is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked in various capacities within JPMorgan Chase Bank and J.P. Morgan Securities since 2014. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers advisory services alongside brokerage, distribution, and investment management capabilities.

William Buckley Jr. is a CFP® professional with 23 years of industry experience. He is currently with OSAIC and has previously worked at Lincoln Financial Advisors Corporation and Lincoln National Life. Outside of his financial advisory role, he participates as a ground crew member for motor racing events with Compton Time & Measure, LLC. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension plans, and charitable organizations through a large network of affiliated advisors. The firm provides integrated brokerage and advisory services, employing asset allocation tools and multiple investment platforms to construct diversified portfolios tailored to client needs.

Barrington Boyd is a financial advisor at OSAIC with 16 years of industry experience. He holds a Series 66 designation and has worked at firms including SagePoint Financial, Inc., Wells Fargo Clearing Services, and Principal Securities Incorporated. He is also a licensed insurance agent for life, annuity, and health insurance since 2004. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services along with access to third-party money managers and managed accounts. The firm utilizes various asset-allocation tools and automated rebalancing to construct portfolios across multiple asset classes.

Mitchel Macnguyen is a financial advisor at Wells Fargo Clearing with 33 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Bank of America and Merrill. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Christopher Lizama is a financial advisor at Vanguard Advisers with Series 66 and Series 63 credentials and four years of industry experience. His prior roles include positions at Fidelity Investments, Corebridge Financial, and AIG Capital Services. Vanguard Advisers offers automated and human-supported investment advice through its Vanguard Digital Advisor and Personal Advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary models to construct portfolios primarily from Vanguard funds and ETFs, with options for tax management and customization.

Kyle Houston is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 66 licenses and two years of industry experience. His prior work includes roles at Mass Mutual Investors Services and MassMutual Life Insurance Co, as well as positions in various other industries including education and hospitality. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary methodologies and primarily invests in Vanguard funds and ETFs, combining digital delivery with a large advisory team.

Connor Isaacson is a financial advisor at Ameriprise with Series 63 and Series 66 licenses and one year of industry experience. Prior to joining Ameriprise, he worked at Charles Schwab and held various roles outside financial services, including positions at ADP and TPC Scottsdale, as well as periods focused on full-time education. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendation reports, delivered in partnership with its financial advisors, and emphasizes the use of Ameriprise-managed accounts in its approach.

John Cheang is a financial advisor with Wells Fargo Clearing in Scottsdale, AZ, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for eight years. Outside of his advisory role, Cheang owns INFINITY DIRECT INC, a business based in Scottsdale from which he receives residual trail commissions. Wells Fargo Clearing specializes in retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm follows an IPS-driven advisory process based on modern portfolio theory and includes insurance-related vehicles and bank deposit sweep options among its investment offerings.

Kirk Norley is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 designations and with 17 years of industry experience. He has been with The Vanguard Group since 2007. Vanguard Advisers provides automated and human-supported investment advice for retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to develop personalized asset allocations, primarily utilizing Vanguard funds and ETFs, and manages a large client base through its digital platform and extensive advisor team.

Christina Lempinen is a financial advisor with Merrill in Scottsdale, AZ, holding a Series 66 credential and 14 years of industry experience. She has been with Merrill since 2008. Outside of advising, she is involved in several entrepreneurial ventures including a home renovation LLC focused on flipping homes, and she holds partnership roles in a cookie business, a logistics company, and an auto franchise holding company. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Lorena Olivas is a financial advisor at OSAIC with a Series 66 designation and two years of industry experience. She has worked at OSAIC across two periods totaling seven years and has prior experience with Republic Services and Chicanos Por La Causa, Inc. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios and supports multiple advisory platforms and legacy program transitions.

Porfilia Gloria is a financial advisor at Vanguard Advisers based in Scottsdale, AZ, holding Series 63 and Series 66 credentials with 13 years of industry experience. She has worked with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2012. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, serving retail investors and eligible participants in employer-sponsored retirement plans. The firm’s investment approach is goal-based and algorithm-driven, utilizing proprietary models and largely Vanguard funds and ETFs to construct personalized portfolios.

Neil Matthews is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 licenses and one year of industry experience. Prior to joining Vanguard Advisers, he held roles within The Vanguard Group and Vanguard Marketing Corporation, and his work history includes positions at Amazon, Sodexo Live, and Northern Arizona University. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach, constructing portfolios mainly from Vanguard funds and ETFs with various customization options.

Toni Michel is a financial advisor with OSAIC in Scottsdale, AZ, holding Series 63 and Series 66 credentials and having 28 years of industry experience. Prior to joining OSAIC in 2024, Michel worked at Securities America Inc for 12 years. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing tools such as asset-allocation models, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios that include a range of investment products, managed on both discretionary and non-discretionary bases.

Diana Carrillo is a financial advisor at J.P. Morgan Securities with a Series 66 designation and five years of industry experience. She has worked with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2020, having accumulated a total of 23 years at JPMorgan Chase in various roles. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its investment recommendations.

Diana Bagley is a Financial Advisor at Merrill Lynch Wealth Management. She is a CERTIFIED FINANCIAL PLANNER™ professional and holds the Retirement Income Certified Professional® designation. Diana offers personalized financial guidance to individuals and families, focusing on retirement planning, wealth accumulation, and navigating significant financial transitions. Her approach centers on trust, clear communication, and understanding each client's unique goals and values. Diana's expertise is influenced by her personal experiences growing up in a family where thoughtful financial decisions were a priority. She helps clients, including many women, gain clarity and confidence in their financial futures through collaborative planning. Diana holds a Bachelor's Degree from New Mexico State University and is also a Personal Investment Advisor. Outside of her professional role, Diana is involved in community activities such as Bible Study Fellowship, Guardian Ad Litem, and Habitat for Humanity. Her personal interests include hiking, playing pickleball, and spending time with her family.

Denise Zumbrun is a financial advisor at OSAIC with 23 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including SagePoint Financial, LPL Financial, Chelsea Financial Services, Claraphi Advisory Network, Thurston Springer Financial, and Citigroup. OSAIC serves a broad range of retail and institutional clients through a large network of advisers and multiple advisory platforms, offering integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to various managed account solutions. The firm uses asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios tailored to client needs.

Justin Henneberry is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 66 designations and three years of industry experience. He has been with Vanguard Advisers since 2025 and has also worked with Vanguard Marketing Corporation and The Vanguard Group since 2022. Prior to his advisory career, his work experience includes roles in retail and hospitality sectors as well as academic institutions. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary methodologies to create personalized asset allocations, primarily utilizing Vanguard funds and ETFs, with a focus on tax-aware features and customization options.