Scott Given is a Series 66-licensed financial advisor with Charles Schwab in Phoenix, AZ, and has 15 years of industry experience. He has served with Charles Schwab and Charles Schwab Bank since 2014. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by Schwab Center for Financial Research due diligence.

Paul Przewozniak is a Financial Consultant currently working at Fidelity Investments since 2020. He has held several roles at Fidelity, including Investment Consultant and Relationship Manager, and previously served as a Financial Advisor at Edward Jones from 2014 to 2016. His professional experience centers on partnering with individuals and families to define and construct financial plans. Paul holds a California Insurance License, supporting his work in the financial services industry. His approach emphasizes collaboration and education to assist clients in planning for significant financial moments.

Aaron Tanner is a financial advisor with LPL Financial in Scottsdale, AZ, holding Series 63 and Series 65 designations and bringing 22 years of industry experience. Prior to joining LPL Financial in 2024, he worked extensively with Northwestern Mutual in various investment management and wealth management roles from 2004 to 2024. He is also involved in selling term and disability insurance through a separate business activity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Nicholas Miller is a financial advisor with Osaic, holding Series 63, Series 65, and Series 66 licenses and bringing 21 years of industry experience. His prior roles include positions at Principal Securities, Principal Life Insurance, and Waddell & Reed Inc. Osaic Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, offering a range of brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, supporting discretionary and advisor-managed strategies alongside third-party manager options.

Adrian Puentes is a financial advisor at Charles Schwab with 11 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Charles Schwab and Morgan Stanley during his 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 options, leveraging multi-asset model portfolios and alternative investments within a large, integrated operational structure.

Serge Lazar is a Planning Consultant at Fidelity Investments, where he has been employed since 2021. In his role, he assists clients with various financial needs by evaluating their current financial status, understanding their goals, creating investment plans aligned with those goals, and educating clients on Fidelity's principles of investing. Serge's professional experience centers around financial planning and client education within the investment sector. Outside of his professional work, he has personal interests that include camping, cooking and baking, movies, reading, soccer, and traveling.

Ryan Furuta is a financial advisor at Fidelity with 26 years of industry experience. He holds Series 63 and Series 66 registrations and has worked at Fidelity Investments and its affiliated entities since 2000. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to a wide range of clients, including retail and institutional investors. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including model portfolios built from mutual funds, ETFs, and ETPs.

Charles Konopaski II is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. His work history includes roles at Charles Schwab Bank, Charles Schwab & Co., Inc., USAA Investment Management Company, and Merrill. Outside of finance, he creates custom acrylic abstract art under the name CK Sports Artwork. 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 advisory relationships and access to discretionary separately managed accounts, with a focus on multi-asset model portfolios and alternative investment options.

Clifford Shnier is a financial advisor with Cetera, holding a Series 66 designation and 11 years of industry experience. He has worked at Cetera and its affiliated entities since 2019 and previously at Voya Financial Advisors. Outside of advising, he is involved with Meridian Special Needs Planning and Meridian Estate Services LLC, which focus on financial planning for special needs and legal document preparation, respectively. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, retirement plans, and institutional accounts. The firm offers multiple portfolio management options and financial planning services through a nationwide network of independent advisors.

Keith Osborne is a financial advisor at LPL Financial with 17 years of industry experience. He holds the Series 66 designation and has previously worked at Edward Jones, Nova R Wealth, Inc., and Wells Fargo Clearing. Osborne is also involved with KLO Companies LLC, a business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management services, utilizing model portfolios, third-party subadvisors, and technology-supported advisory tools.

Ryan Pozniak is a financial advisor with Charles Schwab, holding a Series 66 designation and nine years of industry experience. His career includes roles at TD Ameritrade, Charles Schwab Bank, and Charles Schwab & Co., Inc. Prior to entering the financial industry, he worked in athletic services and education. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management with multi-asset model portfolios and access to alternative investments. Schwab’s integrated structure supports a large client base with centralized supervisory and custody services.

David Coltom is a CFP® with 40 years of industry experience, currently serving at Thrivent Investment Management since 2004. He holds Series 63 and Series 65 registrations and is based in Surprise, Arizona. Coltom has a long tenure at Thrivent Financial for Lutherans and Thrivent Investment Management, Inc. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning and allows clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan,” while keeping the services separate.

Ralph Moreno is a financial advisor with Charles Schwab, holding a Series 66 designation and seven years of industry experience. He has worked at Charles Schwab Trust Bank since 2020 and at Charles Schwab since 2018. Prior to that, he was employed at First Convenience Bank from 2015 to 2018. 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 advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Bruce Wall Jr. is a CFP®-credentialed financial advisor with Edward Jones, based in Goodyear, AZ, where he has worked since 2014. He has 12 years of industry experience. Outside of his advisory role, he co-owns a second home in Michigan. Edward Jones is a full-service wealth management firm serving more than four million clients, including individual, institutional, and charitable organizations. The firm offers a range of advisory programs and investment strategies, supported by a large national network of financial advisors and branch offices.

Marcy Vaughan is a financial advisor with Wells Fargo Clearing in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. Her career includes roles at Raymond James Financial Services and Morgan Stanley. Vaughan holds an Arizona real estate license, maintained for continuing education purposes. 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 solutions. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Elizabeth Leykam is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 65 credentials and has worked at various JPMorgan affiliates since 2018, as well as Commerce Bank prior to that. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Its advisory process combines systematic quantitative screening with qualitative research and incorporates an ESG eligibility framework.

Cole Hanenburg is a financial advisor at Stifel in Scottsdale, AZ. He holds the Series 66 designation and has recent experience at Keurig Dr. Pepper, The Hershey Company, and Bank of America Merrill Lynch prior to joining Stifel in 2025. Stifel serves a broad range of clients including individuals, institutional investors, and municipal entities, offering brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology using forward-looking capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Kristin Hass is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has been with Charles Schwab since 1996, including time at Charles Schwab Bank and optionsXpress, Inc. 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 a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence through its Alternative Investments Select program.

Brian Jeffries is a financial advisor with Wells Fargo Clearing in Peoria, AZ, holding a Series 66 designation and bringing 26 years of industry experience. His prior roles include positions at Morgan Stanley and related entities from 2002 to 2012. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm employs a range of research and analytics in its investment approach and offers both brokerage and advisory solutions across a large network of advisors.

Nikos Dalton is a financial advisor at UBS Financial Services with four years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley, Bank of America, Merrill, and Ivancich & Costis LLC. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm utilizes proprietary research and model-based asset allocations to tailor financial plans aligned with clients’ goals and risk tolerances.