Andrea Spangenberger is a financial advisor at Morgan Stanley in Scottsdale, AZ, with 9 years of industry experience. She has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC, as well as Northern Trust Investments Inc. Andrea holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management (MSWM) is an SEC-registered investment adviser and broker-dealer serving individuals and institutions. The firm offers a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques, managing approximately $2.74 trillion in client assets.

Shannon Dyson is a financial advisor at OSAIC with 23 years of industry experience. She holds a Series 66 designation and has worked at FSC Securities Corporation since 2009, in addition to her current role at OSAIC. Outside of her advisory work, Dyson serves as a Notary Public. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with a range of investment options and employs various asset-allocation tools and third-party platforms to support portfolio management.

Theresa Heim is a financial advisor at OSAIC with 33 years of industry experience. She holds the Series 63, Series 65, and Series 66 credentials. Her prior experience includes over two decades at Securities America Advisors, Inc. and SECURITIES AMERICA, Inc. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisors and offers integrated brokerage, investment advisory services, financial planning, and access to third-party money managers and managed-account solutions.

Garland Howard III is a financial advisor with Primerica Advisors in Scottsdale, AZ, holding Series 63 and Series 65 licenses and 41 years of industry experience. He has been with Primerica Advisors since 1984 and Primerica Financial Services since 1991. Outside of his advisory role, he is involved in sales of investment-related products and refers home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Torrey Jewett is a financial advisor with LPL Financial in Phoenix, AZ, holding a Series 66 designation and 18 years of industry experience. He has been with LPL Financial Services and Arizona State Credit Union since 2010. Jewett’s other business activities include managing real estate rental properties. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios and research from LPL Research and third-party subadvisors.

Jackson Roder is a financial advisor at Fidelity with a Series 66 designation and approximately one year of industry experience. His prior work includes roles at Grand Canyon Education and involvement with nonprofit organizations such as Impact of Oregon and Kids NW. He also has experience in the food service sector with Pizza Ranch LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs, employing systematic methodologies and long-term asset allocation benchmarks.

Timothy Melanson Jr. is a CFP® with nine years of industry experience, currently serving as a financial advisor at Vanguard Advisers in Scottsdale, AZ. His career includes roles at The Vanguard Group and Vanguard Marketing Corporation since 2017, as well as prior experience in the hospitality and manufacturing sectors. Vanguard Advisers provides 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 create personalized asset allocations, managing a large client base with a digital platform supported by over 2,200 advisors.

James Maier is a financial advisor with Vanguard Advisers, holding a Series 66 designation and currently located in Scottsdale, AZ. He has one year of industry experience, including roles at Vanguard Advisers, The Vanguard Group, and Vanguard Marketing Corporation. His prior work history includes various positions outside the financial industry. 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 investment approach with portfolios mainly composed of Vanguard funds and ETFs, supported by a large team and a high client-to-advisor ratio.

Omeed Assadi is a financial advisor with Charles Schwab in Scottsdale, AZ, holding Series 63 and Series 66 credentials and 12 years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2013 and Charles Schwab Bank since 2017. He is also associated with Comfort Keepers since 2014. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering non-discretionary investment guidance alongside access to discretionary separately managed accounts and multi-asset model portfolios. Schwab’s integrated structure combines advisory, brokerage, custody, and cash-sweep services for a large client base.

Ivan Rodriguez Flores is a financial advisor at Vanguard Advisers with four years of industry experience. He holds the Series 66 and Series 63 designations and has worked in various roles at Vanguard-affiliated entities since 2022. His prior experience includes positions in behavioral services and higher education. Vanguard Advisers provides automated and human-supported investment advice through digital and personal advisor services to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach utilizing proprietary models and primarily invests in Vanguard funds and ETFs, offering a range of customization options and scalable portfolio management.

Konrad Osa is a CFP® professional with six years of industry experience currently at Vanguard Advisers. He has been affiliated with various Vanguard entities since 2018 and has a background that includes service in the United States Air Force Reserve since 2016. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to portfolio construction, emphasizing personalized asset allocations with a focus on Vanguard funds and ETFs.

Drew Knutson is a financial advisor with Osaic Wealth, Inc. in Scottsdale, AZ. He holds a Series 66 designation and has seven years of industry experience. His prior work includes time at Securities America, Inc. and Alorica. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing various asset-allocation tools and third-party platforms to manage portfolios across multiple investment types.

Nicholas Beeter is a financial advisor at Fidelity with a Series 66 designation and less than one year of industry experience. He has previously worked at Edward Jones Investments and First Western Bank and Trust. Outside of his advisory work, he operates a social media account focused on creating and posting videos. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

William Pope is a financial advisor with Vanguard Advisers in Scottsdale, Arizona, holding Series 63 and Series 66 licenses and having nine years of industry experience. He has been with various Vanguard entities since 2017, including Vanguard Advisers, Inc., Vanguard Marketing Corporation, and The Vanguard Group, Inc. Prior to Vanguard, he spent four years at the University of Arizona. Vanguard Advisers provides 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 to create personalized portfolios primarily composed of Vanguard funds and ETFs, and manages a large client base through a combination of digital platforms and a team servicing model.

Cinnamon Brickner is a financial advisor at Vanguard Advisers with six years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Bank, N.A., and has held roles at Scottsdale Community College and Discover Financial Services. She holds Series 66 and Series 63 licenses. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans, using a goal-based, algorithm-driven approach with portfolios constructed largely from Vanguard funds and ETFs. The firm manages a large client base through its digital platform combined with advisor support.

Timothy Saeli is a CFP® certificant with nine years of industry experience, currently serving at Vanguard Advisers, Inc. since 2022. He owns TJSales Enterprises, LLC, an e-commerce business based in Scottsdale, AZ. Prior to Vanguard Advisers, he has held roles at The Vanguard Group and Vanguard Marketing Group, as well as positions at Wake Forest University. Vanguard Advisers provides automated and human-supported investment advice to retail investors and retirement plan participants. The firm employs a goal-based, algorithm-driven approach with portfolios primarily constructed from Vanguard funds and ETFs, emphasizing scale and digital delivery across a broad client base.

Pedro Benavides is a financial advisor at OSAIC in Scottsdale, AZ, holding a Series 66 designation with two years of industry experience. His prior roles include positions at Advisor Group and SUNY Albany, and he served in the US Army for nine years. OSAIC serves a diverse client base including individuals, high-net-worth investors, institutions, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, employing asset-allocation tools, risk assessments, and portfolio management solutions across various investment types.

Kelly Mcmanus is a financial advisor at Morgan Stanley with 34 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Lana Ledlow is a financial advisor at Osaic with 18 years of industry experience. She holds a Series 66 designation and has previously worked at Charles Schwab and TD Ameritrade. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients, offering brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers. The firm utilizes various asset-allocation tools and automated rebalancing to construct portfolios that include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Curtis Carr is a CFP® with 12 years of industry experience, currently advising at Vanguard Advisers since 2014. He is based in Scottsdale, AZ, and holds Series 63 and Series 65 licenses. Outside of his advisory role, he is the owner of Meadowhill, LLC, a real estate lending business. Vanguard Advisers offers both automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to create personalized asset allocations, managing a large client base through its digital platform and extensive advisor team.