Colleen Laudermilch is a financial advisor with Vanguard Advisers based in Scottsdale, AZ. She holds Series 63 and Series 66 designations and has 25 years of industry experience, including 10 years with The Vanguard Group. Vanguard Advisers provides both 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 approach using proprietary models to construct portfolios mainly from Vanguard funds and ETFs, offering a range of customization options.

Delbert Stafford is a CFA® charterholder with 33 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2025. He previously worked at BlackRock for 15 years. Stafford serves on the advisory board at William Jessup University, advising on curriculum and program enhancements, and is a finance committee board member at Seven Hills School, involved in budgeting and fundraising. 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 approach using proprietary models and builds portfolios mainly from Vanguard funds and ETFs, with features including tax awareness and customization options.

Elizabeth Ericksen is a financial advisor based in Scottsdale, AZ, currently with Wells Fargo Advisors. She holds Series 65 and Series 63 licenses and has two years of industry experience. Prior to joining Wells Fargo Advisors in 2024, she worked at UBS Financial Services Inc and Kimley Horn Associates. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and special-needs analysis, with advisory services integrated alongside other financial products.

John Graham is a financial advisor with Wells Fargo Clearing in Scottsdale, AZ, holding Series 63 and Series 65 licenses and having 29 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. Outside of his advisory work, he is a part-owner of a family lodge and involved with Sedona Orchards, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with both non-discretionary and discretionary options tailored to plan objectives and demographics.

David Ruiz is a financial advisor with Vanguard Advisers, holding a Series 66 designation and one year of industry experience. His prior work includes positions at Merrill Lynch and Bank of America. 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 approach using proprietary models to create personalized portfolios largely invested in Vanguard funds and ETFs.

Rigzin Gyapontsang is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. He holds the Series 66 designation and has been with Wells Fargo entities since 2011. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s process 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.

Aaron Jackson is a financial advisor with Wells Fargo Clearing in Scottsdale, AZ, holding Series 63 and Series 66 designations and eight years of industry experience. He has worked at Wells Fargo Clearing since 2017 and Wells Fargo Bank, NA since 2015. Outside of his advisory role, he serves as a notary public in Arizona. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Zachary Wik is a CFP® and holds Series 63 and Series 66 licenses with eight years of industry experience. He is currently with Vanguard Advisers and its affiliates, where he has worked since 2025. Prior to that, he held positions at Ironwood Wealth Management, Financial Engines Advisors, and Charles Schwab among others. Outside of his primary role, he serves as a limited agent in a fiduciary capacity for a family member’s investment activities. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach that utilizes proprietary models to personalize asset allocations and offers portfolios constructed mainly from Vanguard funds and ETFs with various tax-aware and customization features.

Richard Franco is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and over 31 years of industry experience. He previously worked at First Financial Equity Corporation for 17 years before joining Cetera and Cetera Wealth Services, LLC. Outside of financial advising, he is involved with Rejuvenus, PLLC, a beauty products and skin care fillers business, and is a member of Franco-Anderson Financial, LLC, which engages in the purchase and sale of raw land. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and retirement services through a multi-manager platform, allowing advisors to implement various investment strategies across discretionary and non-discretionary accounts.

Christopher Keller is a financial advisor at Vanguard Advisers with 26 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at The Vanguard Group since 1999. From 2009 to 2016, he was involved with Hey Bartender. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach to portfolio construction, primarily using Vanguard funds and ETFs, and manages a large client base through its digital platform and team servicing model.

Kelsey Heimbigner is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and eight years of industry experience. Prior to joining J.P. Morgan Securities in 2021, Kelsey worked at Fidelity Personal and Workplace Advisors and Fidelity Investments, as well as Union Bank of California. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Joseph Disciullo is a CFP® with 22 years of industry experience and has been with The Vanguard Group, Inc. since 2011. He is based in Scottsdale, AZ, and holds Series 63 and Series 65 licenses. Outside of his advisory role, he is involved with Arizona Tech Investors, an investor platform, in a passive capacity. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm’s approach combines goal-based, algorithm-driven strategies with personalized asset allocations primarily using Vanguard funds and ETFs, serving a large client base through its scalable digital platform and a team of over 2,200 advisors.

Scott Hanish is a financial advisor at OSAIC with 24 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at multiple firms including PFG Advisors and Securities America. Outside of finance, he owns and operates Zinger Bat Company, a baseball bat manufacturing and training business. OSAIC serves a diverse client base including individual investors, institutions, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm employs a variety of investment tools and offers integrated brokerage and advisory services with flexible portfolio management options.

Kaitlin Weisser is a financial advisor with Wells Fargo Clearing in Sun City, AZ, holding a Series 63 designation and seven years of industry experience. She has been with Wells Fargo Clearing since 2005. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Sandra Yee is a CFP® with 10 years of industry experience currently serving at Vanguard Advisers since 2019. She has been associated with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2015. Outside of her advisory role, she has been involved with Yin, Yang & Chocolate, a business she worked with for 17 years. Vanguard Advisers offers a blend of 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 portfolios primarily composed of Vanguard funds and ETFs, supported by a large team of over 2,200 advisors managing extensive client relationships.

Jordan Jobe is a CFP® with 18 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He has worked within various branches of Raymond James since 2010 and is also the sole proprietor of NextGen Advisors, LLC. Outside of his advisory role, he owns and manages multiple rental real estate properties, including both residential and commercial holdings. 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 employs tailored, non-discretionary planning and uses analytical tools such as risk profiling and probability modeling to guide clients’ financial decisions.

Cindy Tibbles is a financial advisor at OSAIC with 7 years of industry experience. She holds a Series 66 designation and has worked at Securities America Advisors and SECURITIES AMERICA, inc. prior to joining OSAIC. Her background also includes roles outside the financial sector, including at HireGenics - Cardinal Health. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools, risk-tolerance questionnaires, and access to third-party money managers to construct diversified portfolios across various asset classes.

Connor Patenaude is a financial advisor at Equitable Advisors with one year of industry experience. He holds a Series 66 designation and has a background that includes roles at Kierland Golf Club and Dove Valley Golf Club, as well as work at Arizona State University. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by offering financial planning, retirement plan consulting, and a variety of asset-management programs. The firm utilizes a network of Investment Adviser Representatives and both proprietary and third-party investment solutions.

Nichole Yirku is a financial advisor at Vanguard Advisers with a Series 66 credential and one year of industry experience. She is also the owner of Madame Fiore LLC, a clothing business where she designs clothes. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with personalized asset allocations, mainly employing Vanguard funds and ETFs, supported by a large team of advisors and digital platform delivery.

Edward Rodriguez is a financial advisor with Cetera who holds Series 63 and Series 65 designations and has 27 years of industry experience. He has held roles at firms including Avantax, Securities America, and Questar Asset Management. Rodriguez manages multiple H&R Block franchise locations, providing tax planning and consulting services, alongside his financial advisory work. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform featuring both affiliated and third-party managers.