Andrew Needs is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2021, following seven years with JPMorgan Chase Bank and JPMorgan Securities. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Jacob Newsome is a financial advisor at Charles Schwab with nine years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including USAA, MassMutual, and MML Investors Services. He has been with Charles Schwab since 2019. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering bundled advisory, brokerage, custody, and cash-sweep services through its Schwab Wealth Advisory program. The firm combines non-discretionary client relationships with access to discretionary separately managed accounts and provides multi-asset model portfolios supported by comprehensive research and due diligence processes.

Kathy Salcido is a financial advisor with RBC Capital Markets in Scottsdale, AZ, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. She has worked at RBC Capital Markets since 2008. Outside of her advisory role, she is an owner of Melaleuca, Inc., a private company, earning commissions for referring shoppers. RBC Wealth Management serves a broad client base including individual investors, institutions, and charitable organizations, offering a range of wrap fee advisory programs with discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services. The firm utilizes in-house and third-party investment managers and provides options for tax management, responsible investing, and alternative investments.

Jacob Zajdzinski is a financial advisor at Morgan Stanley in Scottsdale, AZ, holding Series 63 and Series 66 credentials with one year of industry experience. His prior work includes roles at Clearwater Country Club, Insight Global, and Paradigm Golf Group. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions, including tailored financial planning utilizing firm-approved tools and models.

Daniel Peters is a Series 66-licensed financial advisor with Robert W. Baird & Co. in Phoenix, AZ, where he has worked since 2008. He has 28 years of industry experience. Outside of his advisory role, he is an owner and member of the Wine and Food Society of Paradise Valley, LLC, which organizes food and wine events. Daniel Peters is part of the DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers tailored financial planning and portfolio management services, including discretionary and non-discretionary management, utilizing both in-house and third-party managers.

Christopher Smurthwaite is a financial advisor at Edward Jones in Glendale, AZ. He holds a Series 66 designation and joined the firm in 2026. Prior to Edward Jones, he worked at eHealth, Science 37, BEK Health, Intuitive Health, Trinnovate Ventures, and Blue Cross Blue Shield of Arizona. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies supported by a nationwide network of advisors and branch offices.

Kyler Kreshock is a financial advisor at Charles Schwab & Co., Inc. in Phoenix, AZ, holding a Series 66 designation and five years of industry experience. Prior to joining Schwab, he held roles in entertainment and retail, including positions with EEG Entertainment and Texas Roadhouse. Charles Schwab serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a structured alternative-investment platform.

Jerry Abbitt is a financial advisor with Primerica Advisors in Scottsdale, AZ, holding Series 63 and Series 65 registrations and 19 years of industry experience. He has been with Primerica Advisors since 2007 and also serves on the Alumni Council as Co-Chairman for Grace College & Seminary. Additionally, Abbitt is on the Board of Directors for Abbitt Wellness Centers in Phoenix. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm uses model-delivery strategies managed by unaffiliated asset managers and supports trade execution and custody through Pershing and BNY Mellon Advisors.

Jacob Tinney is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and with six years of industry experience. Prior to his current role at Charles Schwab, he worked at Charles Schwab Bank and the Viet Uc English Center. Outside of his advisory work, he owns an ecommerce website focused on selling clothing. Charles Schwab & Co., Inc. serves primarily 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 a mix of non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and providing centralized custody and operational services across a large client base.

Victor Sesate is a financial advisor at Fidelity with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has been associated with Fidelity Investments and its affiliated advisory businesses since 2012. Victor works at Strategic Advisers LLC, a Fidelity Investments company that offers investment management and advisory services to a diverse client base, including retail and institutional investors. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and provides advisory services through registered investment companies and model portfolios.

Heath Whetsel is a Wealth Management Advisor at Merrill Lynch Wealth Management. He holds the CERTIFIED FINANCIAL PLANNER® (CFP) and Chartered Financial Consultant® (ChFC) designations, along with FINRA Series 7 and 66 registrations and life and health insurance licenses. Heath's practice focuses on assisting high-net-worth clients with estate planning, retirement planning, risk management, and portfolio management by developing customized investment strategies through a disciplined wealth management process. Heath has worked in the financial services industry since 2000. Prior to that, he served five years in the U.S. Army with the Armored Cavalry in Germany and California, including two deployments to former Yugoslavia. He has a Bachelor's degree in Business Finance from Western International University and is a lifetime member of Disabled American Veterans (DAV). Heath is an Arizona partner for Merrill - The Special Needs Team, working with special-needs professionals and family members to improve the long-term well-being of individuals unable to care for themselves. Heath resides in Phoenix and enjoys traveling and spending time with his wife Theresa, son Christian, daughter Sarah, son-in-law Peter, and twin granddaughters Tatum and Paige.

Jacob Korte is a Senior Vice President and Senior Financial Advisor at Merrill Lynch Wealth Management, based in Scottsdale, Arizona. He specializes in personal retirement planning, portfolio management services, and retirement income. Jacob works with individuals, families, business owners, and executives to provide personalized wealth management strategies that focus on preserving, growing, and transferring wealth across generations. Jacob earned a Bachelor's degree in Economics from the University of Arizona and holds the Personal Investment Advisor (PIA) designation. His approach emphasizes thoughtful guidance, disciplined execution, and long-term client relationships, leveraging Merrill's resources and global investment capabilities to address a wide range of financial needs including retirement planning, investment management, wealth preservation, estate considerations, and legacy planning. Outside of his professional role, Jacob enjoys various outdoor activities such as camping, biking, fishing, adventure sports, golfing, hunting, rock climbing, skiing, spending time with his family, and traveling.

Errin Kelso is the Vice President and Financial Consultant at Fidelity Investments, a position held since 2021. With a career at Fidelity Investments spanning two decades, Errin has held various roles including Financial Consultant, Regional Planning Consultant, and Investment Solutions Consultant, demonstrating a broad range of experience within the firm. Errin's expertise lies in partnering with clients to understand their financial goals and family wealth objectives, and then collaboratively developing customized strategies tailored to their preferences. This client-focused approach has been central to Errin's professional practice throughout their career. Errin holds a California Insurance License. Outside of work, Errin's personal interests include attending concerts, football, gardening, music, puzzles, and reading.

Stephen Pettee is a financial advisor at Wells Fargo Clearing with 39 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Wells Fargo Clearing since 2019. His prior experience includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Jordan Osness is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo, he held various roles at the University of Arizona and has contributed articles on educational topics. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s investment approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Douglas Newstrom is a financial advisor with Ameriprise in Phoenix, AZ, holding a Series 66 designation and 24 years of industry experience. His career includes roles at Ameriprise Financial Services, Inc. and Wedbush Securities. Outside of his advisory work, he is involved in a business ownership unrelated to investment activities. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement who meet specific asset criteria. The firm provides comprehensive advisory, brokerage, and insurance solutions through affiliated entities, combining research, modeling, and tax-efficiency analysis to deliver tailored retirement income recommendations.

Larry Osborne is a financial advisor with Wells Fargo Clearing in Mesa, AZ, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. Outside of his advisory role, he is involved in managing rental properties in the Tempe, AZ area. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jeremiah Erzen is a financial advisor at Merrill with 10 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Merrill since 2016, with prior experience at Prestige Medical Consultants and the University of Arizona Global Campus. 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, and institutional investors.

Aidan Mc Coyd is a financial advisor at Charles Schwab with one year of industry experience. He holds the Series 66 designation and has worked at Charles Schwab and Charles Schwab Bank since 2024. Prior to his advisory role, he spent eight years at Chicago Golf Club and dedicated several years to full-time education. Charles Schwab serves primarily 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a broad range of investment options supported by centralized custody and due diligence resources.

Joel Cortese is a financial advisor at Charles Schwab with Series 63 and Series 66 designations and three years of industry experience. His prior work includes roles at Charles Schwab Bank, SSB, and Charles Schwab & Co., Inc., as well as positions in retail merchandising services and landscaping. He also attended Grand Canyon University and completed full-time education prior to his financial career. Charles Schwab & Co., Inc. serves primarily 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 a combination of non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios, alternative investment due diligence, and centralized custody and supervisory structures.