Kevin James is a CFA® charterholder with over 21 years of experience in the financial services industry. He has worked at TIAA and its affiliate TIAA-CREF since 2018 and was previously with BlackRock Investment Management for 11 years. James is based in Phoenix, AZ. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker‑dealer services primarily to individuals connected with TIAA‑administered employer retirement plans, as well as trusts, estates, and small retirement plans. The firm offers both one-time planning services and ongoing portfolio management, including customized and model-driven investment options.

Howard Ryan Jr. is a financial advisor with Osaic Advisory Services, LLC, holding Series 63 and Series 66 credentials and bringing 20 years of industry experience. He previously worked for Arbor Point Advisors for 10 years and Securities America Advisors, Inc. for 17 years. Outside of his advisory roles, he has experience working as a food delivery driver for DoorDash and Uber. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving a broad client base, including individuals, pension plans, corporations, and charitable organizations. The firm offers a range of services, including investment management, financial planning, retirement plan consulting, and lending solutions, using multiple program models and both proprietary and third-party platforms.

James Smith is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked at United Planners since 2009 and previously at OSAIC Services, Inc. and Sunamerica Securities, Inc. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base including individual investors, retirement plans, corporations, trusts, and institutional clients. The firm employs independent Investment Adviser Representatives and offers a range of advisory and brokerage services utilizing multiple custodians and third-party managers.

Michael Arko is a Series 65-licensed advisor with 14 years of industry experience. He is currently with Focus Partners Wealth, LLC and has previously worked at Sonora Investment Management Group, LLC and Sonora Investment Management. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients with wealth management and advisory services. The firm utilizes a long-term, tax- and fee-sensitive investment approach that combines active and passive strategies through an enhanced open architecture framework.

Patricia Shyman is a financial advisor with Commonwealth Financial Network in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. She has worked at Commonwealth since 2012 and has also been associated with Camelback Retirement Planners since 2010. Outside of her advisory role, she works as a clerk for Griffin Estate Sales in Phoenix. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and back-office support, including portfolio management, trading, technology, compliance, and practice management, allowing advisors discretion in constructing client portfolios from diverse securities and insurance products.

Raymond Schenk is a CFP® and ChFC® professional with 22 years of experience in financial advising. He currently works at Schwab Wealth Advisory and has held prior positions at firms including The Vanguard Group, Wealth Enhancement Group, and SVA Financial Group. Schwab Wealth Advisory, Inc. 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 based on proprietary asset-allocation models and internal research tools.

Nancy Loveland is a CFP® professional with 44 years of industry experience, currently affiliated with United Planners Financial Services of America as a Limited Partner. She has been with United Planners since 2004 and has worked as a self-employed representative since 1983. Loveland also holds licensure as a non-variable insurance agent. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base including individual investors, retirement plans, corporations, and institutional clients. The firm provides advisory and brokerage services through independent representatives and utilizes various custodians and third-party managers, with a notable majority of assets managed on a non-discretionary basis.

David Bucannon is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and three years of industry experience. He has been with Charles Schwab and its affiliated Schwab Wealth Advisory since 2023. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning services primarily to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab’s asset-allocation models and internal research tools to guide investment selections.

Jeffrey Kirshner is a financial advisor with Guardian Life, holding the PFS™ designation and Series 63 and 66 licenses, with 24 years of industry experience. He has worked at Park Avenue Securities since 2002. Outside of his advisory role, he serves as a trustee for multiple family trusts and is a member of the Congregation Beth Israel Endowment Committee in Scottsdale, AZ. Park Avenue Securities, a subsidiary of Guardian Life, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a combination of advisor-led discretionary management, model-based strategies, and digital advisory solutions tailored to client needs.

Jiexi Li is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and one year of industry experience. Prior to joining Schwab Wealth Advisory in 2026, Li worked at Charles Schwab since 2022 and spent three years in full-time education. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm’s advice is based on Schwab’s proprietary asset-allocation models and internal research, with recommendations tailored annually to individual client goals and risk profiles.

Elise Gidaro is a CFP® professional with nine years of industry experience, currently serving as a financial advisor with Schwab Wealth Advisory. Her prior experience includes roles at The Vanguard Group and Metromile. Outside of finance, she operated a babysitting service, Busy Bees Babysitting, for seven years. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in its program, using Charles Schwab’s asset-allocation models and research tools to offer tailored recommendations. The firm focuses on client authorization for trades and typically recommends managed accounts from third-party or affiliated money managers.

Crystal Cruz Mata is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and currently based in Phoenix, AZ. She has approximately one year of industry experience, with prior roles at Charles Schwab & Co., Inc. and her own firm, Crystal Cruz Financial Services. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the SWA program and certain Charles Schwab-referred clients, utilizing proprietary asset-allocation models and research tools to tailor recommendations to client goals and risk tolerance.

Benjamin Tod is a CFP® professional with nine years of industry experience, currently serving as an advisor at Schwab Wealth Advisory Inc. since 2021. He has been affiliated with Charles Schwab & Co., Inc. since 2017 and has prior work experience at Modis and Arizona State University. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s approach utilizes Charles Schwab’s asset allocation models and internal research tools, offering recommendations tailored to clients’ goals and risk tolerances without exercising discretionary trading authority.

Tanner Dix is a CFP® with five years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. He has held prior roles at J.P. Morgan Securities LLC and The Vanguard Group, among others. Outside of his advisory work, he owns and operates a car rental business through Dix Turo LLC. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients, utilizing Charles Schwab & Co.’s asset-allocation models and internal research tools. The firm offers personalized, at-least-annual reviews and recommends investment selections with client authorization, serving primarily Schwab Wealth Advisory program participants and certain referred clients.

Rachel Costello is a financial advisor at Rockefeller Financial LLC with one year of industry experience. She holds the Series 66 designation and previously worked in roles outside the financial sector, including positions at PYG Therapy, Crossroads Preschool and Kindergarten, and Building Blocks. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, as well as institutional clients, retirement plans, foundations, and corporations. The firm offers a range of portfolio management and financial planning services, operating uniquely as both a registered investment adviser and broker-dealer, with capabilities that include securities transactions, variable insurance products, placement, and investment banking services.

Alexa Jones is a financial advisor with Schwab Wealth Advisory and holds a Series 66 designation. She has 10 years of industry experience, including positions at Charles Schwab and Charles Schwab Bank. Jones is based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm’s guidance utilizes Schwab’s asset-allocation models and internal research, offering tailored recommendations with client approval required for trades.

Michael Klarfeld is a financial advisor at Guardian Life with 42 years of industry experience. He holds the ChFC® designation and Series 63 license, and has been with Guardian Life since 1992. Klarfeld is also involved with Kirshner & Klarfeld Financial Group, an insurance and financial services firm focusing on life, disability, and long-term care insurance. Guardian Life, through its Park Avenue® Wealth Management subsidiary, provides brokerage and advisory services to individuals, corporations, retirement plans, and nonprofits. The firm offers a combination of advisor-led discretionary management and model-based strategies, access to proprietary and third-party programs, and integrated solutions that include insurance and alternative investments.

Bruce Meyer is a financial advisor with Beacon Pointe Advisors, LLC in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Beacon Pointe Advisors since 2020 and has concurrently served as a licensed insurance agent at Beacon Pointe Insurance Services, LLC since 2011. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse client base, including individuals, institutions, charitable organizations, and retirement plans. The firm employs a manager-of-managers approach using a proprietary Focus List and combines active and passive strategies, supported by formal due diligence and ongoing performance monitoring.

Brent Sayler is a financial advisor at Allworth Financial, L.P. in Phoenix, AZ, holding CFP® and Series 63 designations with six years of industry experience. His prior experience includes roles at The Vanguard Group, Inc. from 2016 to 2021, followed by independent advisory work from 2021 until joining Allworth Financial in 2024. Allworth Financial serves individual and high-net-worth clients, pension and profit-sharing plans, trusts, corporations, and charitable organizations, offering a range of services including financial planning, portfolio management, and retirement plan consulting. The firm uses a combination of quantitative and qualitative analysis to create customized investment allocations and provides educational resources such as newsletters, podcasts, and seminars.

Glen Mc Dowell is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and five years of industry experience. He has worked at Schwab Wealth Advisory since 2026 and previously held roles at Charles Schwab & Co., Inc. and Merrill. His background also includes a three-year tenure at Yelp. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on standardized asset-allocation models and internal research, with trades executed only upon client authorization.