Andrew Castro is a financial advisor at Charles Schwab with Series 66 and Series 63 credentials and four years of industry experience. Prior to joining Charles Schwab & Co., Inc., he worked in roles at Gowireless, Spring Mobile, Vector Marketing, and Taco Bell. 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 combines a non-discretionary client relationship model with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized supervision, custody, and order-routing.

Michael Pergola is a financial advisor at Morgan Stanley in Phoenix, AZ, holding a Series 66 designation with two years of industry experience. His prior roles include positions at Mr Cooper, Spring Venture Group, Level 10, and Wheels. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and modeling tools to develop plans, while clients are responsible for implementation and updates.

William Adkisson is a financial advisor at Cetera with two years of industry experience. He holds a Series 66 designation and has worked at Cetera and affiliated entities since 2024. Outside of financial services, he works as a tennis professional providing instruction at the Arizona Country Club. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a large network of independent advisors, utilizing multiple program structures and investment strategies.

Brenna Killoran is a CFP® and Series 66-licensed financial advisor with Charles Schwab, based in Phoenix, AZ, and has three years of industry experience. Her prior work includes roles at Charles Schwab Bank, The Entrust Group, and Robert Half. Outside of her advisory work, she manages rental property investments. Charles Schwab & Co., Inc. 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 both non-discretionary investment guidance and access to affiliated discretionary separately managed accounts, supported by a multi-asset model portfolio approach and proprietary research.

Andrew Savage is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and 13 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2013 and 2015, respectively. Outside of his advisory work, he serves as treasurer for a congressional political campaign. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering integrated advisory, brokerage, custody, and financial planning services. The firm combines non-discretionary client relationships with access to affiliated discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Herb Hopkinson is a CFP®-certified financial advisor with seven years of industry experience, currently with Charles Schwab in Phoenix, AZ. He previously worked at TD Ameritrade and has taught business communication courses at the University of Dubuque. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts, offering a combination of non-discretionary advice and access to discretionary separately managed accounts with a multi-asset investment approach.

Margaret Williams is a financial advisor at Charles Schwab with Series 66 and Series 63 designations and one year of industry experience. She has held positions within Charles Schwab Bank, SSB and Charles Schwab & Co., Inc., as well as pursuing full-time education prior to her advisory roles. Charles Schwab & Co., Inc. serves a large client base primarily composed 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 options supported by strategic asset allocation and access to alternative investments through a centralized operational structure.

Cody Butery is a financial advisor with Fidelity in Phoenix, AZ, holding Series 63 and Series 66 licenses and eight years of industry experience. Prior to joining Fidelity, he worked at TD Ameritrade and has experience in the hospitality industry as well, including roles at Firebirds Woodfired Grill and Kitaro Bistro of Japan. Outside of his advisory role, he works part-time as a server and bartender. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies and fund-of-funds.

Alex Yang is a financial advisor at Charles Schwab with Series 66 and Series 63 licenses and five years of industry experience. Prior to joining Charles Schwab in 2020, he held roles in waste management, restaurant operations, and home care services. 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 advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational structures.

Youssef Elkamash is a financial advisor at Equitable Advisors with three years of industry experience. He holds Series 63 and Series 66 credentials. Outside of his advisory work, he is a swim clinician with Fiitter & Faster and works as a driver for Lyft in Phoenix, AZ. Equitable Advisors serves individual and institutional clients, offering financial planning, retirement plan consulting, and asset management programs delivered through a network of Investment Adviser Representatives. The firm utilizes a range of proprietary and third-party advisory models and provides ERISA fiduciary services to qualified plans.

Michael Dillon is the sole advisor at Second Look Financial, LLC, an independent firm based in Phoenix, AZ. He holds Series 63 and Series 65 licenses and has 18 years of industry experience. Dillon has managed Second Look Financial since 2005. He is also a licensed insurance broker and may recommend or place insurance products alongside his investment advisory services. Second Look Financial serves individual clients by providing portfolio management and financial planning, with a focus on individualized plans and periodic reviews rather than standardized institutional programs. The firm manages approximately $335,000 in assets across seven client relationships.

Kurt Oelze is the principal advisor at Kurt Oelze, LLC in Phoenix, AZ, with 16 years of industry experience. He holds the Series 66 designation and has been operating his firm since 2004. Kurt Oelze, LLC provides investment advisory and portfolio management services primarily to individual clients, including both high-net-worth and non-HNW individuals. The firm manages a small client base with a focus on ongoing portfolio oversight and acts as a sponsor of a wrap-fee program, offering bundled account services alongside its advisory work.

Scott Nelson is a CFP® professional with 28 years of industry experience, serving as the sole advisor at Sensible Investment Strategies, LLC since 2003. He is also the owner of Hit the Ball Better LLC, a golf instruction business. Sensible Investment Strategies provides investment advisory and portfolio management services to individual clients, managing approximately $24.4 million in assets across 42 client relationships.

Christopher Hays is the principal advisor at Chris Hays Wealth Management LLC in Phoenix, AZ, with 11 years of industry experience. He holds a Series 66 designation and previously worked at City National Securities, Comerica Securities, Mechanics Bank, and LPL Financial. Hays maintains an insurance license for advisory purposes but does not earn commissions. Chris Hays Wealth Management provides investment advisory and portfolio management services primarily to individual clients on a non-discretionary basis, focusing on collaborative decision-making and personalized planning. The firm also offers educational seminars and manages approximately $4.83 million in client assets across a small client base.

Ricardo Peters is a financial advisor with Guardian Financial Wealth Management Inc. in Phoenix, AZ, holding Series 63 and Series 66 licenses and 14 years of industry experience. He previously worked at J.P. Morgan Securities and JP Morgan Chase Bank. Guardian Financial Wealth Management Inc. is an independent firm focused on providing personalized financial services.

Randall Joselit is a financial advisor at Joselit Asset Management with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at New York Life Insurance Company and Nylife Securities since 2006. Joselit also operates a CPA firm, Randall S. Joselit CPA, PC, providing traditional financial and tax services. Outside of advising, he is involved in managing a small bed and breakfast in Prescott, Arizona. Joselit Asset Management provides portfolio management and advisory services primarily to high-net-worth individuals. The firm manages approximately $67 million for 22 clients, focusing on individualized portfolio management and maintaining a small client roster to allow for frequent advisor contact.