Luke Pine is a financial advisor at CWM, LLC with one year of industry experience. He holds the Series 65 designation and previously worked at Integrated Wealth Management, LLC for six years. Prior to his advisory career, he was affiliated with Chapman University for four years. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm manages accounts primarily on a discretionary basis using model portfolios and offers a range of services including portfolio management, financial planning, sub-advisory, and retirement-plan services.

Tyler Cawthorne is a CFP® professional with eight years of industry experience currently advising at Schwab Wealth Advisory, Inc. He has held roles at Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB, among others. Outside of his advisory work, he is involved in online content production related to sports and esports streaming, as well as gig work as a delivery driver. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice primarily to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, planning discussions, and investment recommendations. The firm operates as an internal advisory unit within the Schwab ecosystem and focuses on client-directed investment decisions.

Tyler Mehlhorn is a CFP® with 20 years of industry experience, currently serving at Schwab Wealth Advisory in Phoenix, AZ. He has been with Charles Schwab and Schwab Wealth Advisory since 2013 and is also involved with TC Squared, LLC, where he manages a YouTube channel and blog focused on various projects and agricultural topics. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, delivering recommendations through Charles Schwab’s asset allocation models and research tools while leaving final trading decisions to clients.

Andrea Flores is a CFP® and ChFC® with 19 years of industry experience. She has worked at Schwab Wealth Advisory Inc. and Charles Schwab since 2019 and previously held roles at USAA Investment Management Company and related USAA financial planning and advisory entities from 2012 to 2019. She is based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations. The firm uses Schwab’s asset allocation models and research tools while allowing clients to make final trading decisions, and it operates within the Schwab ecosystem under a cost-and-expense plus arrangement rather than charging clients directly.

Shaun Horan is a financial advisor with Primerica Advisors and holds Series 63 and Series 65 licenses. He has 28 years of industry experience, including roles at Park Avenue Securities and Guardian Life Insurance Company. Outside of his advisory work, he serves as an officer and bookkeeper for DanAm Aviation LLC, a holding company. Park Avenue Securities LLC serves a diverse retail client base with brokerage and advisory services, offering proprietary and third-party investment programs alongside financial planning and consulting. The firm manages approximately $15 billion in regulatory assets under management and supports a range of investment strategies and account-level services.

Jay Chang is a financial advisor at Farther with 12 years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Farther in 2025, he worked at Charles Schwab for eight years in various advisory roles. Farther provides discretionary investment management and related advisory services primarily to individual investors, trusts, and estates through a web and mobile platform as well as in-person meetings. The firm’s investment approach is based on Modern Portfolio Theory and uses proprietary model portfolios with algorithmic rebalancing, combining various asset classes and AI tools subject to internal review.

Bryan Chubinsky is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and possessing 12 years of industry experience. He has been with Schwab Wealth Advisory since 2015 and Charles Schwab since 2013. He also serves in the US Army Reserves, a role he has held since 1995. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews, investment recommendations across various asset classes, and wealth management education. The firm operates within the Schwab ecosystem and recommends investments using Schwab’s research tools while leaving final trading decisions to clients.

William Jorden is a CFP® and holds a Series 66 license, with 17 years of experience in the financial industry. He has worked at Schwab Wealth Advisory Inc and Charles Schwab since 2017, and previously spent a year at Oppenheimer. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across a range of securities. The firm operates within the Charles Schwab ecosystem, using standard asset allocation models and research tools, and does not exercise discretionary trading authority.

Patrick Nugent is a financial advisor at Schwab Wealth Advisory with 27 years of industry experience. He holds Series 65 and Series 66 licenses and has worked at Schwab Wealth Advisory and Charles Schwab since 2019, following previous roles at USAA Investment Management Company and USAA Financial Planning Services. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning discussions, and investment recommendations across various asset classes. The firm’s advice is based on Charles Schwab & Co.’s asset allocation models and research tools, with clients making final trading decisions.

Christopher Cornwall is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has worked with Charles Schwab since 1997 and has been with Schwab Wealth Advisory since 2012. Outside of his advisory role, Cornwall owns Cornwall Enterprises LLC, a company leasing vehicles to drivers, which he manages with limited monthly hours. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations utilizing Schwab’s research tools and asset allocation models without exercising discretionary trading authority.

Dominick Chavez is a financial advisor with Schwab Wealth Advisory, holding Series 66 and Series 63 licenses and bringing nine years of industry experience. He has been with Schwab Wealth Advisory since 2020 and has worked with Charles Schwab & Co., Inc. since 2016. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations across a range of assets. The firm operates within the Schwab ecosystem, delivering advice through standard asset allocation models and research tools while leaving final trading decisions to clients.

Haziq Basharat is a CFA® charterholder and holds a Series 66 license with seven years of industry experience. He currently works at Schwab Wealth Advisory and previously spent nine years at Edward Jones Trust Company. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in its Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning discussions, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem, delivering advice through standardized asset allocation models and research tools, without exercising discretionary trading authority.

David Marcus is a CFP® professional with 41 years of experience in financial services. He has been with Kestra Advisory since 2016 and has operated his own firm, David A. Marcus & Associates, Inc., since 1984. Marcus also engages in insurance brokerage and trust management activities outside his advisory role. Kestra Advisory Services provides investment advisory and retirement plan consulting to a diverse client base, including institutional and individual investors. The firm offers fiduciary services, plan design, compliance testing, and access to multiple management platforms, serving clients such as large institutional investors and sovereign wealth funds.

Keith Tigue is a financial advisor at Mariner Wealth Advisors with 22 years of industry experience. He holds the Series 65 designation and previously worked at Robinson, Tigue, Sponcil and Associates, LLC for 18 years before joining Mariner in 2021. He is also a licensed insurance agent. Mariner serves a diverse client base including individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and private funds. The firm offers customized investment management, financial planning, retirement plan consulting, and integrated tax and accounting services, supported by an internal investment committee and external managers.

Nathan Straw is a financial advisor with Hightower Advisors in Phoenix, AZ, holding a Series 66 designation and 10 years of industry experience. Prior to joining Hightower in 2021, he worked at Morgan Stanley and Morgan Stanley Private Bank from 2015 to 2021. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients, offering discretionary and non-discretionary portfolio management, financial planning, retirement plan consulting, and access to pooled vehicles and private funds. The firm’s advisory approach emphasizes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers supported by proprietary research and customized portfolio construction.

Douglas Gasser is a CFA® charterholder with 10 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory since 2021. He previously worked at Merrill from 2016 to 2021. Outside of advisory work, he is involved in a small business performing general handyman and remodeling duties in Phoenix, AZ. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, delivering investment recommendations and financial planning using Schwab’s research tools and asset allocation models while leaving trading decisions to clients.

Nikola Stojanovic is a CFP® and CFA® credentialed advisor with 11 years of industry experience, currently serving at Schwab Wealth Advisory since 2017. He has been associated with Charles Schwab since 2014. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Schwab’s research tools and standard asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

Eric Christus is a financial advisor with United Planners' Financial Services of America, holding Series 65 and Series 63 credentials and nine years of industry experience. His prior roles include positions at First Financial Equity Corporation and Mass Mutual, among others. Christus also serves as Vice President of Dundas Wealth Management LLC and is an insurance agent specializing in non-variable insurance. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base, including individuals, retirement plans, corporations, and institutional clients. The firm operates primarily on a non-discretionary basis and features a limited-partnership ownership structure with formalized advisor transition support.

Timothy Anthony is a CFP® with eight years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior career includes positions at Morgan Stanley Private Bank, Morgan Stanley, Bank of America, Merrill, and Charles Schwab & Co. Outside of finance, he has worked with Olney Winery and Grand Canyon University. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm recommends investments using Schwab’s research tools and standard asset allocation models, conducting annual account reviews without discretionary trading authority.

Robert Cain is a financial advisor with Independent Financial Group, LLC, holding Series 63, 65, and 66 licenses and having 32 years of industry experience. He previously worked at Arque Capital Ltd for 15 years before joining his current firm in 2023. Cain serves as president of the Northridge Village Homeowners Association in his community. Independent Financial Group is a large integrated advisory and brokerage firm serving individuals, trusts, corporations, business owners, and plan sponsors. The firm offers investment advisory programs, financial planning, and retirement services, utilizing both in-house and third-party investment models and operating as both a registered investment adviser and an active broker-dealer.