Melissa Rugo is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 66 and Series 63 licenses and one year of industry experience. Her prior roles include positions at Morgan Stanley and United Services Automobile Association (USAA). Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, primarily serving retail investors and eligible employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach and manages a large client base with a combination of proprietary models and Vanguard fund portfolios.

Andrew Brink is a financial advisor with Merrill in Chandler, AZ, holding a Series 66 designation and nine years of industry experience. He has been with Merrill and Bank of America since 2017. Brink serves as a successor trustee for a family trust and holds power of attorney responsibilities for a relative. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Cody Roe is a CFP® professional with 25 years of experience, currently affiliated with Vanguard Advisers where he has worked since 2013. His career includes multiple periods of self-employment and a long tenure with The Vanguard Group and Vanguard Marketing Corporation beginning in 2000. Outside of his advisory work, he performs as a guitarist and singer in a local band in Scottsdale, AZ. Vanguard Advisers provides both automated and human-supported investment advice, serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach utilizing Vanguard funds and ETFs, offering a wide range of customization options through its large-scale digital platform.

Lisandro Fabellar is a Series 66-licensed financial advisor with Edward Jones, based in Tempe, AZ, and has 15 years of industry experience. He has worked at Edward Jones since 2011. Outside of advising, he has a rental income activity involving a roommate in Scottsdale, AZ. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over $1 trillion in assets under management. The firm offers a range of discretionary and non-discretionary investment strategies and maintains a large national network of financial advisors and branch offices.

Steven Dennis is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2018. Prior to his current role, he held positions at GoDaddy and Apple. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and investment research.

Adam Keele is a Series 66-credentialed financial advisor with 11 years of industry experience. He is currently with Morgan Stanley in Tempe, AZ, having joined the firm in 2022 after seven years at Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs a structured planning process and uses various modeling tools, managing approximately $2.74 trillion in client assets.

Jason Robinson is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 licenses and 19 years of industry experience. His prior roles include positions at Morgan Stanley Smith Barney LLC, United Services Automobile Association (USAA), and Abide Consulting Group LLC. He also serves as a FINRA non-public arbitrator. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary methodologies and mainly invests in Vanguard funds and ETFs, offering a range of customization options.

John Gondolfo is a financial advisor at Merrill with Series 63 and Series 65 licenses and 31 years of industry experience. He has worked at Bank of America, N.A. and Merrill since 2011, and previously spent four years at Charles Schwab. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers both model-based and discretionary strategies developed by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Yolanda Arrington is a financial advisor with Ameriprise in Phoenix, AZ, holding a Series 66 designation and 23 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service targeting individuals with substantial investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored advice, with a focus on assets managed within Ameriprise accounts.

Spencer Pett is a financial advisor at Morgan Stanley in Gilbert, AZ, holding a Series 66 license with 19 years of industry experience. His prior roles include positions at Charles Schwab, E*TRADE, and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and analyses.

Michael Maroon is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds the Series 66 designation and has 16 years of industry experience. Prior to joining Raymond James in 2021, he worked for Edward Jones for 10 years. Maroon serves as Vice President and board member of The SilverTree Foundation, a nonprofit organization. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and corporate clients. The firm offers tailored non-discretionary planning using analytical tools and supports municipal and public finance work through a unique municipal advisor affiliation.

Thomas Beatie is a CFP®-credentialed financial advisor with nine years of experience at Vanguard Advisers in Scottsdale, AZ. He has worked with various Vanguard affiliates since 2017. Outside of his advisory role, he is the sole proprietor of Define Normal, a media and retail clothing business involving public speaking, social media management, and book sales. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach, utilizing proprietary models and a range of customization options, and manages a large client base through its digital platform and team servicing model.

Michael Johnson is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Raymond James Financial since 2009 and also owns Retirement Vision Specialists, a firm focused on serving clients in the retirement phase. 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, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and consulting using advanced analytical tools and supports a large network of advisors with specialized programs and services.

Cody Taylor is a Financial Advisor with Merrill Lynch Wealth Management, specializing in helping individuals and families pursue their financial goals. Since joining Merrill in 2024, he has utilized his nearly a decade of experience in the financial services industry to provide personal and easy-to-understand financial strategies. Cody's approach involves understanding clients' short- and long-term goals to assist affluent individuals in managing their wealth effectively. He holds a Bachelor's Degree from Northern Arizona University and has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Cody's expertise includes areas such as college education planning, family wealth management strategies, legacy planning, retirement income, and tax minimization. His professional philosophy centers on uncovering what matters to clients and their families to create strategies that pursue their financial objectives. Outside of his professional role, Cody enjoys golfing, which he relates to financial planning through its emphasis on patience, strategy, and a long-term perspective. He resides in Lake Stevens, WA, with his wife and their son, Leonidas, with another child expected in December.

Anthony Bross is a financial advisor at Morgan Stanley in Gilbert, AZ, holding a Series 66 designation. He has one year of industry experience, with prior roles at WestPac Wealth Partners and academic positions at several universities. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, employing structured financial planning supported by firm-approved tools and models, while offering diverse investment products and services.

Roy Smith is a financial advisor at Merrill in Chandler, AZ, holding a Series 66 designation with one year of experience at Merrill. His prior work includes roles at Frost Bank, Chase Bank, Armani Exchange, and Dutch Bros Coffee. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Justin Cole is a financial advisor with Raymond James Financial, holding a Series 66 designation and 11 years of industry experience. He has been with Raymond James and its affiliated entities since 2013. Cole is the sole owner of ELOC Investments LLC and serves as an independent contractor advisor with NextGen Advisors LLC. 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, corporations, and institutional clients. The firm employs tailored, non-discretionary planning and analytical tools to support client goals and offers specialized services such as municipal advisory and SIMPLE IRA Employer Advisory & Consulting Services.

Luke Burgess is a financial advisor at Vanguard Advisers with a Series 66 designation and one year of industry experience. His prior roles include positions at Summit Oak AI and Symmetry Financial Group. He has experience working in both educational and financial services settings, as well as holding a life insurance license. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor 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 and manages portfolios largely composed of Vanguard funds and ETFs.

Amy Williams is a financial advisor at Merrill in Gilbert, AZ, holding Series 63 and Series 66 licenses with 12 years of industry experience. She has been with Merrill since 2015. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individual, high-net-worth, and institutional clients.

Richard Cordova is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and 13 years of industry experience. He has worked with Vanguard and its related entities since 2013 and maintains side activities as a real estate agent and tech blogger. Currently based in Scottsdale, AZ, he also works as a transportation contractor. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with proprietary models to construct portfolios primarily from Vanguard funds and ETFs, offering various customization options and managing a large client base through its digital platform.