Benjamin Tod is a CFP® professional with eight years of industry experience, currently serving at Schwab Wealth Advisory Inc. since 2021. He has worked within the Charles Schwab organization since 2017 and has prior experience at Modis, Zocdoc, and Arizona State University. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem using standard asset allocation models and research tools, delivering advice without discretionary trading authority.

Tanner Dix is a CFP® with five years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. His prior experience includes roles at J.P. Morgan Securities and Robinhood Markets. Outside of financial advising, he owns a car rental business, Dix Turo LLC. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations including stocks, bonds, mutual funds, ETFs, and separately managed accounts. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

Alexa Jones is a financial advisor with Schwab Wealth Advisory and holds a Series 66 designation. She has nine years of industry experience, including roles at Charles Schwab since 2016 and Charles Schwab Bank from 2017 to 2019. Jones is based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering services such as annual financial reviews and investment recommendations. Its approach involves standard asset allocation models and Schwab research tools, with clients retaining final trading decisions.

Michael Klarfeld is a financial advisor with Primerica Advisors in Scottsdale, AZ, holding the ChFC® and Series 63 designations and bringing 41 years of industry experience. He has been with Primerica Advisors since 1999 and maintains ongoing roles with Guardian Life Insurance Company and General American. In addition to his advisory work, he is involved with Kirshner & Klarfeld Financial Group, an insurance and financial services firm focusing on life, disability, and long-term care insurance. Primerica Advisors is an enterprise-level firm serving a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers both brokerage and advisory services, utilizing proprietary model portfolios alongside third-party managers and digital advice solutions.

Brent Sayler is a CFP® with six years of industry experience, currently serving as a financial advisor at Allworth Financial, L.P. in Phoenix, AZ. He previously worked at The Vanguard Group, Inc. and operated his own advisory practice before joining Allworth Financial. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio management using a variety of model strategies, including core-satellite, index allocations, and options-based overlays, and operates a specialized Airline division focused on airline industry employees.

Glen Mc Dowell is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and five years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2021 and previously worked at Merrill and Yelp. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using standard asset allocation models and Schwab research tools. The firm offers annual financial reviews and investment recommendations while leaving final trading decisions to clients.

Curtis Westrich is a CFP® professional with 14 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, having previously worked at Providers Wealth LLC, Mariner Wealth Advisors, Moss Adams Wealth Advisors LLC, and Charles Schwab in various roles. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its program, offering annual financial reviews, retirement planning, and investment recommendations based on Schwab’s proprietary research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice without discretionary trading authority and primarily serving individual clients rather than institutional accounts.

Mary Wilcox is a CFP® with 30 years of industry experience, currently serving at J.W. Cole Advisors, Inc. since 2003. She has held roles at Wilcox Tax and Financial Advisors LLC and Jonathan Roberts Financial Group, Inc., among others. Outside of financial advising, she is involved with High Country Alpacas, LLC, where she acts as treasurer and marketing consultant for a business focused on breeding alpacas and selling alpaca fiber products. J.W. Cole Advisors is an SEC-registered firm that serves individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm offers portfolio management, fee-based financial planning, access to third-party managers, and multiple managed account solutions including digital advice platforms.

James Marsh is a financial advisor with United Planners' Financial Services of America and holds the Series 63 and Series 66 licenses. He has 13 years of industry experience and has worked in roles including mortgage loan originator and insurance producer. His prior experience includes positions at Rocket Mortgage and Amazon.com. United Planners Financial Services is a national wealth-management enterprise with approximately $12.77 billion in assets under management and over 350 advisors serving a diverse client base that includes individuals, retirement plans, corporations, and institutional clients. The firm offers advisory and brokerage services delivered through independent representatives and emphasizes a mix of custodians and third-party managers to implement investment strategies, with a majority of assets managed on a non-discretionary basis.

Delores Nance is a CFP® with 18 years of experience at Money Concepts Capital Corp. She also holds a Series 63 designation and has worked in accounting and education roles since 1997, including operating her own CPA firm since 2002. Outside of her advisory work, she serves as a volunteer board member for the Music Enrichment Foundation and as treasurer for the Science Center of Inquiry. Money Concepts Advisory Service provides portfolio management, financial planning, and consulting to a broad client base including individuals, pension plans, trusts, and charitable organizations. The firm employs a range of managed programs using model portfolios and third-party sub-advisers, applying fundamental and technical analysis alongside modern portfolio theory.

Eric Nielsen is a financial advisor at Schwab Wealth Advisory with 19 years of industry experience. He holds Series 63 and Series 66 registrations and has been with Schwab Wealth Advisory since 2012, following initial work at Charles Schwab & Co., Inc. beginning in 2007. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses Schwab’s asset allocation models and research tools to recommend investments, conducting at least annual account reviews while leaving final trading decisions to clients.

Chris Anoya is a CFA® charterholder with 13 years of industry experience. He has worked at Fisher Investments for 11 years and Fidelity Investments for 2 years before joining Schwab Wealth Advisory Inc. and Charles Schwab in 2025. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools to recommend investment allocations while leaving final trading decisions to clients.

Zackary Meier is a financial advisor at Schwab Wealth Advisory with two years of industry experience. He holds a Series 66 designation and has previously worked at Charles Schwab Bank, Charles Schwab & Co., Inc., The Boeing Company, Glendale Union High School District, and served in the Arizona Army National Guard. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations using Schwab’s asset allocation models and research tools.

Samriti Dhingra is a CFP® professional with 10 years of industry experience, currently serving as an advisor at Moneta Group Investment Advisors, LLC since 2015. Based in Phoenix, AZ, she works within a large enterprise firm known for its partner-led teams and centralized investment resources. Moneta Group Investment Advisors serves high-net-worth individuals, families, trusts, and a variety of institutional clients, offering portfolio management, financial planning, and family office services. The firm emphasizes diversified, multi-asset allocations and supports unique institutional relationships, including sovereign wealth funds and chartered trust services.

Michael Schroeder is a CFP® with 31 years of industry experience, currently serving as an advisor with Commonwealth Financial Network and as a part owner of Ke Wealth Advisors. He previously worked at Ameriprise Financial Services, Inc. for 14 years. Schroeder is based in Tempe, AZ. Commonwealth Financial Network supports a national network of approximately 2,950 advisors, providing a range of advisory programs and back-office services including investment management, compliance, and technology. The firm offers customizable portfolio solutions and distinct program structures, serving both retail and institutional clients.

Michael Garmone is a financial professional with 18 years of industry experience, currently affiliated with CWM, LLC. He holds Series 63 and Series 65 licenses and has worked at firms including LPL Financial and Cetera Wealth Services. He is also the owner of Garmone Financial, LLC, a non-investment business used for administrative purposes. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a large network of advisors. The firm provides portfolio management, financial planning, and retirement plan services, employing discretionary management with model portfolios supported by an in-house Investment Committee and a mix of analytical tools and third-party resources.

Matthew Clay is a financial advisor with Steward Partners Investment Advisory, LLC, holding Series 63, 65, and 66 licenses and bringing 26 years of industry experience. His prior roles include positions at Ameriprise and Raymond James Financial Services. He is also the sole owner and CEO of MJC Investment Properties, LLC, which manages commercial office space leased to Steward Partners. Steward Partners Investment Advisory, LLC is an enterprise-scale SEC-registered RIA managing approximately $36.7 billion in assets. The firm serves individuals, pension plans, corporations, trusts, estates, and charitable organizations, offering a range of advisory and portfolio management services through both Steward Partners-branded solutions and selected third-party managers.

Jasmine Lee is a CFP®-designated financial advisor with Schwab Wealth Advisory, Inc. in Phoenix, AZ, bringing four years of industry experience. Her career includes roles at Charles Schwab & Co., Morgan Stanley, Merrill Lynch, and Navy Federal Credit Union. 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 using Schwab's proprietary research tools and asset allocation models.

Robert Bowen is a financial advisor at Schwab Wealth Advisory with 23 years of industry experience. He holds a Series 66 designation and has worked previously at USAA Investment Management Company and USAA Financial Advisors Inc. Bowen operates out of Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm uses Schwab’s research tools and standard asset allocation models, with final trading decisions made by clients.

Casey Coffey is a financial advisor at PNC Wealth Management with 12 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at BOK Financial Securities, Inc. and Bokf, Na. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only employee pilot for a digital, discretionary model account that uses approved strategies managed by PNC or third parties and executed with mutual funds and ETFs. The firm’s approach involves algorithm-driven portfolio selection and annual rebalancing, with portfolio implementation and proxy voting delegated to external providers.