Karl Christman is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for The Vanguard Group for 14 years before joining Morgan Stanley in 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured discovery processes and firm-approved tools.

Brian Clarke is a financial advisor with OSAIC in Scottsdale, AZ, holding Series 63 and Series 66 licenses and possessing 33 years of industry experience. He has worked at Royal Alliance since 2015. Outside of his advisory role, he officiates youth basketball games for the YMCA. OSAIC serves a diverse client base, including individual and high-net-worth investors, institutions, and charitable organizations, through a large network of affiliated advisors and multiple advisory platforms. The firm integrates brokerage and investment advisory services with financial planning, retirement consulting, and access to third-party managers, utilizing various tools and strategies to manage portfolios across a broad range of asset classes.

Marco Divito is a financial advisor with Wells Fargo Advisors in Scottsdale, AZ, holding Series 63 and Series 66 licenses with 12 years of industry experience. He has worked at various Wells Fargo entities since 2012 and is involved in ownership and management of two investment-related businesses, Core Wealth Strategies, LLC, and Divito Wealth Management, LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services tailored to clients meeting a net-worth threshold. The firm offers a wide range of planning services and integrates advisory with other financial product sales and referral channels.

Gabriel Martinez is a financial advisor with LPL Financial in Tempe, AZ, holding Series 63 and Series 66 credentials. He has three years of industry experience, including prior roles at Bank of America and Merrill. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management with access to model portfolios and research.

Patrick Manion is a financial advisor with OSAIC in Scottsdale, AZ, holding the Series 63 and Series 66 designations and 17 years of industry experience. His prior roles include positions at UBS Financial Services and Cetera Investment Advisors. OSAIC serves a broad range of clients, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage diversified portfolios on both discretionary and non-discretionary bases.

Randy Rudolph is a CFP® with nine years of industry experience, currently serving as a financial advisor at Vanguard Advisers. His prior experience includes roles at Wells Fargo and Wichita State University. Outside of his advisory work, he owns and operates multiple e-commerce businesses based in Phoenix, AZ. Vanguard Advisers offers both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach utilizing proprietary models and primarily invests in Vanguard funds and ETFs.

Sandra Engstrom is a financial professional with 30 years of industry experience, currently affiliated with Cetera. She holds Series 63 and Series 65 licenses and has worked with firms including Evershore Financial Group and Minnesota Life. Outside of advisory work, she is involved as an agent/broker in fixed insurance sales. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diversified portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and $256 billion in assets under management.

Taylor Pina is a financial advisor with Fidelity Investments holding Series 63 and Series 65 credentials and four years of industry experience. His work history includes roles at Fidelity Investments, The Federal Savings Bank, and The Leona Group, as well as positions related to the University of Arizona. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios and discretionary management, and it serves in advisory roles that are less common among large institutional peers.

Angela Kunze is a financial advisor with Raymond James & Associates in Scottsdale, AZ, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. She has been with Raymond James & Associates since 2015. Outside of her advisory role, she is involved with K Bar Ranch LLC, an agriculture and farming business. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing 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 municipal advisory services.

Adrian Sanchez is a financial advisor at Vanguard Advisers with a Series 66 credential and one year of industry experience. He has held roles at several organizations, including Desert Financial Credit Union and Wells Fargo Bank. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios constructed primarily from Vanguard funds and ETFs, offering various customization options and serving a large client base through its digital platform and team servicing model.

Rodney Tucker is a financial advisor at RBC Capital Markets with 29 years of industry experience. He holds the Series 63 and Series 65 designations. His career includes roles at City National Bank since 2019 and RBC Capital Markets Corporation since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs with customized portfolio management, financial planning, and brokerage services, leveraging a mix of in-house and third-party investment managers.

Drew Kubicki is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at SES Inc., Seia LLC, Postmates, Charles Schwab, Waddell & Reed Inc., and Roger Dunn Golf Shop. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

David Jones is a financial advisor with Raymond James Financial Services Advisors, Inc. in Phoenix, AZ, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has worked at Desert Financial Wealth Management, Raymond James Financial Services, and LPL Financial. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting supported by analytical tools and also supports municipal and public-finance work through a municipal advisor affiliation.

Stephen Valverde is a financial advisor with Vanguard Advisers, holding a Series 66 designation and currently based in Scottsdale, AZ. He has one year of industry experience, including roles at Vanguard Advisers, The Vanguard Group, and Vanguard Marketing Corporation. Prior to this, he worked at U.S. Bank and The PNC Financial Services Group. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs, supported by a large team of advisors managing a substantial number of client relationships.

Benjamin Klingler is a financial advisor with Vanguard Advisers in Scottsdale, AZ. He holds the Series 66 designation and has four years of industry experience. His prior work history includes positions at Schmidt Westergard & Co, PLLC and Stoker Ostler Wealth Advisors. Vanguard Advisers offers automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach and manages a large client base through a digital delivery model supported by over 2,200 advisors.

Keith Gardner is a financial advisor with Vanguard Advisers holding a Series 66 credential and one year of industry experience. His prior work includes roles at Nuvei Technologies and Tsys. Vanguard Advisers offers automated and human-supported investment advice through its digital and personal advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach utilizing proprietary models and constructs portfolios mainly from Vanguard funds and ETFs.

Eric Lauterbach is a financial advisor at Vanguard Advisers with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Vanguard Advisers since 2021, alongside longstanding roles at Vanguard Marketing Corporation and The Vanguard Group, Inc. Outside of finance, he is involved in music as a self-employed musician. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and primarily invests clients in Vanguard funds and ETFs, offering a range of customization options.

Quin Kochman is a financial advisor at Vanguard Advisers with nine years of industry experience. He holds Series 63 and Series 66 designations and has been with Vanguard entities since 2017. His prior experience includes roles at Associated Students Inc. and California State University San Bernardino. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach using proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Walker Lowes is a financial advisor at J.P. Morgan Securities with Series 66 and Series 63 credentials and four years of industry experience. Prior to his advisory role, he worked at J.P. Morgan Chase Bank NA and J.P. Morgan Securities LLC. Outside of finance, he is a silent partner in automotive manufacturing and repair businesses. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support its recommendations.

Nathan Stevens is a financial advisor with Morgan Stanley in Tempe, AZ, holding Series 63 and Series 66 licenses and two years of industry experience. He has previously worked at JPMorgan Securities LLC and JPMorgan Chase Bank, NA, and has experience in consulting and operations roles prior to entering the financial services industry. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to both individual and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.