Michael Ayache is a financial advisor with J.P. Morgan Securities in Phoenix, AZ, holding Series 63 and Series 66 credentials and five years of industry experience. He has worked at several firms including Wells Fargo and Bank of America prior to joining J.P. Morgan in 2022. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Christine Wilkinson is a Senior Financial Advisor at Merrill Lynch Wealth Management in Scottsdale, Arizona. She has dedicated her entire financial career to Merrill, beginning over 20 years ago at Merrill Lynch Trust Company, now known as Bank of America Private Bank. Christine works as part of The A Team, one of the largest advisory teams in Scottsdale, which includes senior consultants, financial advisors, and client associates collaborating to provide a broad range of financial advice and investment solutions. Her background in trust and estate services enables her and her team to assist clients with legacy and charitable planning while helping them achieve investment and retirement goals. Christine’s areas of expertise include education planning, legacy planning, philanthropic planning, personal retirement planning, socially responsible investing, tax minimization, and services for endowments, foundations, and non-profits, among others. She holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Christine lives in Mesa, Arizona with her husband of 20 years and has two adult children, one of whom serves in the U.S. Army. Outside of work, she enjoys adventure sports, cooking, dancing, gardening, hiking, reading, running, and spending time with her family and her Bernedoodle puppy.

Benjamin Howard is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 66 licenses and four years of industry experience. He has worked at The Vanguard Group, Inc. since 2021. Outside of his advisory role, he works as an independent contractor providing massage therapy services at Colair Beauty Lounge and Med Spa. Vanguard Advisers offers 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 using proprietary models to set personalized asset allocations, primarily using Vanguard funds and ETFs, and serves a large client base through its digital platform and team servicing model.

Logan Kannes is a financial advisor with Vanguard Advisers based in Scottsdale, AZ. He holds Series 63 and Series 66 licenses and has eight years of industry experience. Prior to joining Vanguard in 2017, he worked at Northern Arizona University, Dick's Sporting Goods, and Rio Salado Community College. Vanguard Advisers offers automated and human-supported investment advice for retail investors and employer-sponsored retirement plan participants. The firm uses a goal-based, algorithm-driven approach to construct portfolios primarily from Vanguard funds and ETFs, combining digital delivery with a large advisor team to manage a high volume of client relationships.

Bruce Laird is a financial advisor with Primerica Advisors in Chattanooga, TN, holding Series 63 and Series 65 licenses and having 20 years of industry experience. He has been associated with Primerica Advisors and Primerica Financial Services since 2005 and with Ventura Foods since 2006. In addition to his advisory role, he is involved in sales of loan products and home security and automation referrals through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm employs a tiered wrap-fee structure and curates third-party asset managers while maintaining oversight of model offerings.

Connor King is a financial advisor with Vanguard Advisers, holding a Series 66 designation and based in Scottsdale, AZ. He joined the firm in 2026 and has prior experience including roles in the food service industry and time as a self-employed professional. Vanguard Advisers provides automated and human-supported investment advice through digital and 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.

Joseph Miller is a Series 66-licensed financial advisor with Wells Fargo Clearing in Phoenix, AZ, having nine years of industry experience. He has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank NA since 2008. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-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 menu.

Michael Ward is a CFP®-certified financial advisor with 13 years of industry experience. He is currently with LPL Financial and has previously worked at BFC Planning, Inc., Berthel, Fisher & Company Financial Services, Inc., and Barnard Wealth Management, Inc. Aside from advisory services, he is involved in insurance sales through CreativeOne, Crump, Senior Market Sales, and Rogers Benefit Group. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm provides a range of advisory and financial planning services, including discretionary and non-discretionary management, access to model portfolios and research, and a variety of retirement and participant advice programs.

Jennifer Walker is a Wealth Management Advisor with Merrill Lynch Wealth Management. She employs a disciplined and personalized approach to assist clients in achieving their financial goals by understanding their unique family situations, financial priorities, and long-term aspirations. Jennifer holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification, the Chartered Retirement Planning Counselor™ (CRPC™) designation, and the Personal Investment Advisor (PIA) credential. Her expertise encompasses areas including retirement income planning, wealth preservation, multigenerational wealth transfer, college education planning, divorce transition planning, LGBT wealth planning, socially responsible investing, tax minimization, women and wealth, and personal retirement planning. Jennifer earned her Bachelor's Degree from the University of Kentucky. Outside of her professional role, Jennifer is involved in the Phoenix-Tucson Women's Exchange and participates in the National Charity League. She is a mother to two children and enjoys spending time with her family.

Alexa Nicholson is a financial advisor at Morgan Stanley with three years of industry experience. She holds a Series 66 designation and has previously worked at Private Advisor Group, LLC and LPL Financial. Outside of finance, her background includes roles in hospitality and marketing, such as at Wildberry Cafe and AM Marketing Group. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including customized financial planning supported by structured discovery conversations and advanced modeling tools.

Stuart Bates is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 certifications and possessing 38 years of industry experience. He has been with Charles Schwab for 29 years and is also involved in several business ventures, including Natural Hen LLC, Arizona Life Sciences LLC, and Genial Ventures LLC, which focus on consulting, animal healthcare products, and chicken feed. Charles Schwab serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment guidance using multi-asset model portfolios and maintains a distinctive integrated structure combining advisory services with custody and brokerage.

Matt Clarkson is a CFP® with 18 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. His prior work includes positions at James Clarkson Insurance Agency and various roles within Vanguard-affiliated entities since 2007. He is based in Scottsdale, AZ. Vanguard Advisers offers 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 and manages client relationships at scale through a combination of digital platforms and a broad advisor network.

Joseph Wilson is a financial advisor at OSAIC with three years of industry experience. He holds a Series 66 designation and has previously worked at Securities America, Inc., Securities Service Network, Inc., Questar Capital Corporation, and Questar Asset Management. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers a range of advisory services featuring integrated brokerage, financial planning, retirement consulting, and access to third-party money managers, utilizing various asset-allocation tools and portfolio management solutions.

Mark Emberton is a financial advisor with LPL Enterprise, holding Series 63 and 65 licenses and bringing 27 years of industry experience. His career includes roles at The Prudential Insurance Company of America, Pruco Securities LLC, Client One Securities, and Rock Bridge Financial. He is also a commissioned notary in Phoenix, AZ. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through a combination of advisory and brokerage services. The firm offers financial planning, model portfolio management, third-party asset management programs, and access to a range of financial and insurance products.

Shane O'Keefe is a CFP® with seven years of industry experience, currently serving as a financial advisor at Cetera in Scottsdale, AZ. His prior experience includes roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, Renaissance Financial, and Securian Financial Services, Inc. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, supporting both discretionary and non-discretionary strategies across various program structures.

Bryan Dunn is a financial advisor with Raymond James & Associates in Scottsdale, AZ, holding Series 63 and Series 66 credentials and 28 years of industry experience. He has worked at Raymond James since 2019, following seven years at Wells Fargo Advisors LLC and three years at Wells Fargo Clearing. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering non-discretionary financial planning and consulting services supported by a variety of portfolio management styles and affiliated research.

Tracy Milanese is a CFP® and Series 66 licensed financial advisor with Edward Jones in Phoenix, AZ, where she has worked for 12 years. She serves on the board at Madison Rose Lane Elementary in Phoenix. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, incorporating discretionary and non-discretionary strategies, and is notable for its large retail advisor network and affiliated financial capabilities.

Elaine Muandumba is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 66 registrations and six years of industry experience. Her prior work includes roles at PIMCO Investments, Wells Fargo Clearing Services, Charles Schwab, and The Vanguard Group. She also spent two years with the Angola Ministry of Youth & Sports. Vanguard Advisers delivers 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 using proprietary models and offers a range of portfolios constructed mainly from Vanguard funds and ETFs.

Amy Pongratz is a financial advisor with Robert Baird & Co. in Scottsdale, Arizona, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. Her prior roles include positions at Capital Wealth Partners, Sunstone Wealth Management, Raymond James Financial Services Advisors, and RBC Capital Markets. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management department, which serves individuals, corporate and business clients, pension and profit-sharing plans, and charitable organizations. The firm offers a range of financial planning, portfolio management, and brokerage services, utilizing both manager-traded and model-traded strategies along with internal research and artificial intelligence tools.

Theodore Crowley II is a financial advisor with RBC Capital Markets in Scottsdale, AZ, holding Series 63 and Series 65 licenses and 38 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies that incorporate a range of portfolio management, financial planning, and brokerage services.