Ronda Lahey 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 worked at Charles Schwab & Co., Inc. since 1999 and was also with Charles Schwab Bank from 2005 to 2020. Outside of her advisory role, she is involved in managing a home rental business in Arizona. 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 both non-discretionary and discretionary investment management across multi-asset model portfolios, supported by a centralized operational structure and extensive due diligence on alternative investments.

Joshua Love is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses with 11 years of industry experience, all at Charles Schwab since 2015. He is co-owner of New Game Plus LLC, an event planning business. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering wealth advisory, brokerage, custody, and financial planning services through integrated wrap fee programs and both non-discretionary and discretionary investment options.

Thomas Howard is a financial advisor with Ameriprise in Phoenix, AZ, holding the Series 66 designation and four years of industry experience. Prior to joining Ameriprise in 2022, he worked at Culinary Dropout and FedEx. He also serves as a paraplanner for Heick, Hester, Smith & Associates LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing planning focused on retirement income, using proprietary research and algorithmic tools.

Carlos Ramirez is a financial advisor with J.P. Morgan Securities in Phoenix, AZ, holding Series 65 and Series 63 licenses and eight years of industry experience. He has worked within various divisions of JPMorgan since 2017, including J.P. Morgan Securities and JPMorgan Chase Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s process combines quantitative and qualitative research supported by a centralized due diligence team and incorporates ESG eligibility criteria where applicable.

Mark Trefzger is a Series 66 licensed financial advisor with Edward Jones in Phoenix, Arizona, and has 12 years of industry experience. He has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with a broad range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Drake Evans is a financial advisor at RBC Capital Markets with five years of industry experience. He holds a Series 66 designation and has previously worked at City National Bank and in the fitness and childcare sectors. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored advisory programs with a range of portfolio management and financial planning services supported by both in-house and third-party investment managers.

Christopher Basque is a financial advisor with Cambridge Investment Research Advisors, Inc., holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. His prior roles include positions at Charles Schwab, Fidelity Investments, Raymond James Financial Services, Morgan Stanley, and Ernst & Young Investment Advisers. Based in Phoenix, AZ, he has been with Cambridge Investment Research since 2024. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individuals, institutions, pensions, and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of Financial Professionals and manages a multi-billion dollar asset base across multiple platforms and custodians.

Matthew Julian is a financial advisor at Cetera with 22 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Cetera since 2019. Outside of his advisory role, he has ownership interests in Arizona Capital Management, LLC, and Cactus Jiu Jitsu, where he is also actively involved. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients nationwide. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supported by a large network of advisors and extensive assets under management.

Kody Damron is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials. His career includes prior roles at Wells Fargo Clearing, Wells Fargo Bank, Stoker Ostler (part of BMO Financial Group), Oxford Investment Partners, and Citigroup Global Markets. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, emphasizing written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with forward-looking capital market assumptions and includes broader derivatives and commodities capabilities.

Amberly Smith is a financial advisor at Charles Schwab with nine years of industry experience and holds a Series 66 credential. She has worked at Charles Schwab & Co., Inc. since 2016. Charles Schwab & Co., Inc. serves a large client base, 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 models alongside discretionary separately managed accounts, supported by multi-asset model portfolios, formal alternative investment processes, and integrated custody and brokerage services.

Walter Mack is a financial advisor at Charles Schwab with 10 years of industry experience. He holds Series 65 and Series 63 designations. His prior positions include roles at USAA Investment Management Company and USAA Financial Planning Services. Charles Schwab 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset investment approach supported by centralized operational and supervisory structures.

Robin Allen is a financial advisor with UBS Financial Services in Phoenix, AZ, holding Series 63 and Series 65 credentials and bringing 47 years of industry experience. He has been with UBS Financial Services since 1979. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor client plans.

Stephanie Morales is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. She has worked at Cetera since 2019, including Cetera Wealth Services, and previously spent 19 years with Cuna Mutual Group. Morales is also the recording secretary for the Madison Traditional Academy Guild, an educational nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and provides access to multiple program structures and third-party managers.

Herman Lewkowitz is a financial advisor with Cetera, holding Series 63, 65, and 66 registrations and bringing 22 years of industry experience. He has worked at Cetera and affiliated entities since 2017 and previously held a position at First Fidelity Bank. Lewkowitz serves as a board member and vice president of the Child Crisis of Arizona Foundation, overseeing its endowment, and volunteers with local charity events through The Thunderbirds. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a network of over 10,000 independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management, financial planning, and consulting services through multiple program structures and a multi-manager platform.

Cody Hall is a financial advisor at Charles Schwab with 17 years of industry experience. He has held Series 63 and Series 66 licenses and has been with Charles Schwab since 2008. Based in Phoenix, AZ, he provides advisory services within one of the largest and most established firms in the sector. Charles Schwab & Co., Inc. serves a large client base including 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 guidance, using multi-asset model portfolios, alternative investment due diligence, and integrated custody and brokerage services.

Michael Perk Navarro is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and 24 years of industry experience. He has worked with various entities within the Charles Schwab organization since 1998, including Charles Schwab Trust Bank and Charles Schwab Premiere Bank. 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 both non-discretionary and discretionary investment options and combines centralized supervisory and custody services with multi-asset model portfolios and alternative investment programs.

Jeffrey Hyman is a financial advisor at Charles Schwab with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and Charles Schwab Bank since 2011 and 2014, respectively. Based in Phoenix, AZ, he operates within one of the largest firms in the industry. 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, financial planning, and brokerage services within an integrated operational framework.

Demetrius Warren is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 66 licenses. He has three years of industry experience and has previously worked at Thrivent Financial and American Express. Warren is also involved with Dream Chasers Marketing LLC, an entrepreneurial venture. Cambridge Investment Research Advisors serves a broad range of individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services through multiple platforms and proprietary model strategies.

Robert Boschee is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been active in the financial services industry since 1988 and joined Merrill Lynch in 1998. He focuses on developing strategies and providing investment guidance to individuals, families, and businesses, addressing both short and long-term financial objectives. His expertise includes areas such as college education planning, family wealth management strategies, legacy planning, and philanthropic planning among others. Bob holds the Chartered Financial Analyst (CFA) designation and the Personal Investment Advisor (PIA) certification. He earned both his Bachelor of Science in Justice Studies and his Master of Business Administration in Finance from Arizona State University. He has served as a past president of the Phoenix Chartered Financial Analyst Society, and participated in various leadership roles including as an executive board member and Treasurer of the Arizona State University Alumni Association and as a member of the Arizona State University Foundation Investment Committee. He is also a graduate member of the Phoenix Valley Leadership Institute. Outside of his professional duties, Bob is involved in philanthropy and community organizations such as the Arizona Kidney Foundation, St. Mary's Food Bank, and the Free Wheel Foundation. He engages in biking, skiing, golfing, and adventurous sports, and resides in Central Phoenix with his wife and two sons.

Andrew Kovalcik is a financial advisor at Edelman Financial Engines with 11 years of industry experience. He holds a Series 66 designation and has worked at Financial Engines Advisors L.L.C. since 2017, following prior roles at Bank of America and Merrill from 2014 to 2017. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub-advisory services, and supports a large client base through both advisor-led and online platforms.