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 nine years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley, Bank of America, Merrill, and Grand Canyon University. He also has experience with Olney Winery outside the financial sector. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, delivering recommendations through standard asset allocation models and Schwab research tools while clients retain final trading decisions. The firm operates as an internal advisory unit within the Schwab ecosystem and is notable for its structure and affiliation with a registered futures commission merchant.

Robert Cain is a financial advisor with Independent Financial Group, LLC, holding Series 63, 65, and 66 licenses and bringing 32 years of industry experience. He worked at Arque Capital Ltd for 15 years prior to joining his current firm in 2023. Cain serves as president of his local homeowners association. Independent Financial Group, LLC provides investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate and pension plans, and charitable organizations. The firm employs a combination of strategic asset allocation, multi-manager portfolios, and both active and passive investment exposures to develop client strategies using firm and third-party models.

Thomas Knoell is a financial advisor at Kestra Advisory with one year of industry experience. He holds Series 66 and Series 63 licenses. His prior work includes roles at Charles Schwab & Co., Inc. and various positions outside the financial industry, including in home improvements and the food service sector. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors, institutional clients, and individuals. The firm offers a range of services including fiduciary consulting, plan design, employee education, and access to multiple management platforms, serving a diverse client base that includes large institutional investors.

Katrina Angell is a financial advisor with Sanctuary Advisors, LLC in Phoenix, AZ, holding a Series 66 designation and two years of industry experience. She previously worked at Sanctuary Securities, Inc. and has experience in hospitality and family services. Angell serves as a board member of The Living Church, a nonprofit organization focused on faith and counseling. Sanctuary Advisors, LLC provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, and charitable organizations, through a network of over 400 independent advisers. The firm offers portfolio management, retirement consulting, and access to multiple investment platforms, employing various analytical approaches and acting as a fiduciary when a written agreement is in place.

Miguel Mayagoitia is a financial advisor at Allworth Financial, L.P. with seven years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Allworth and AW Securities in 2026, he worked at Vanguard Marketing Corporation and The Vanguard Group, Inc. from 2019 to 2026, and at Pathways Financial Partners from 2017 to 2019. He also has experience at the University of Arizona College of Pharmacy and the University of Arizona. 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 portfolios using various model strategies and employs proprietary technology to manage held-away employer retirement accounts.

Melanie White is a financial advisor at Empower Advisory Group with four years of industry experience. She holds a Series 66 designation and has previously worked at Raymond James & Associates, UnionBanc Investment Services, and other firms. Outside of advising, she is the founder and CEO of Sunshine Love INC, a nonprofit that provides free and discounted hair services to individuals in domestic abuse shelters. Empower Advisory Group offers financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, delivering services through an integrated platform that emphasizes long-term portfolio returns and annual rebalancing.

Randy Azuogu is a CFA charterholder with over 10 years of industry experience. He has worked at Charles Schwab since 2015 and has been with Schwab Wealth Advisory since 2017. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers annual financial reviews and investment recommendations using Schwab’s research tools and standard asset allocation models, with final trading decisions made by clients.

Matthew Nevins is a financial advisor at Mariner with eight years of industry experience. He holds a Series 66 designation and has worked at Mariner Wealth Advisors since 2023. His prior firms include PFG Advisors, SECURITIES AMERICA, inc., and First Financial Equity Corporation. Mariner serves a diverse client base including individuals, high-net-worth households, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and private funds. The firm offers investment management, financial planning, retirement plan consulting, and coordinated tax services, implementing discretionary, customized portfolios supported by internal research and third-party managers.

Philip Walden is a financial advisor with Eagle Strategies (New York Life) based in Scottsdale, AZ. He holds Series 63 and Series 65 licenses and has 44 years of industry experience. His career includes long-term roles at New York Life Insurance Company since 1967 and Nylife Securities Inc. since 1975. Additionally, he is involved in brokering non-registered insurance products for outside insurance carriers. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm offers tailored solutions across various program types and manages a majority of its assets on a non-discretionary basis.

Ashley Monteverde is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. She has been with Charles Schwab since 2013 and has worked at Schwab Wealth Advisory since 2020. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement and planning discussions, and investment recommendations utilizing Schwab’s research tools and asset allocation models. The firm operates within the Schwab ecosystem and does not directly charge clients fees, distinguishing its approach from many other enterprise wealth managers.

Andrew Kissinger is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. He has been with Schwab Wealth Advisory since 2020 and has worked at Charles Schwab & Co., Inc. since 2017. Prior to that, he spent three years at Carvana. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations based on Schwab’s asset allocation models and research tools, with final trading decisions made by clients.

Raymond Round is a CFP® with 33 years of industry experience, currently serving at D.A. Davidson & Co. since 1995. He is based in Scottsdale, AZ. Outside of his advisory role, he is president of The Loyola Sideliners, a nonprofit organization in Missoula, MT. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including retirement plans, individuals, charitable organizations, and corporate clients. The firm offers a range of services from retirement plan advisory to comprehensive financial planning and operates under the Advisers Act fiduciary standard.

John Escamilla is a CFP® with one year of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior experience includes roles at Merrill and Bank of America. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses standard asset allocation models and Schwab research tools to recommend investments, with final trading decisions made by clients, and conducts at least annual account reviews.

Jeffrey Richardson is a financial advisor at Empower Advisory Group with 14 years of industry experience. He holds Series 65, Series 66, and Series 63 licenses. His prior experience includes roles at Personal Capital Advisors Corporation and Morgan Stanley Private Bank. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and retail brokerage clients. The firm’s services use an integrated model tied to Empower’s recordkeeping and administrative platforms and emphasize long-term portfolio returns and client savings rates through proprietary and third-party methodologies.

Jamie Moultane is a financial advisor at Empower Advisory Group with 17 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Merrill for 15 years before joining Empower in 2025. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm’s integrated model ties financial planning and managed account solutions to Empower’s recordkeeping and administrative platforms.

Samuel Udall is an investment advisor with Kestra Advisory Services, LLC, holding Series 63 and Series 65 licenses and two years of industry experience. He has worked with Commonwealth Financial Network and owns Udall Financial, LLC. Outside of his advisory role, he is involved in managing insurance business activities alongside a family member. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a wide range of institutional and individual clients. The firm offers services including fiduciary consulting, plan design, and due diligence-supported investment advice, serving clients such as large institutional investors and sovereign wealth funds.

Susan Bishara is a Series 66-licensed financial advisor with Schwab Wealth Advisory in Phoenix, Arizona. She has 16 years of industry experience, including roles at HSBC Bank USA and HSBC Securities prior to joining Schwab in 2020. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program. The firm delivers personalized investment recommendations and financial planning using Schwab’s asset allocation models and research tools, conducting annual reviews without discretionary trading authority.

Bradley Kutler is a CFP® and Series 66 licensed advisor with five years of industry experience. He is currently with Focus Partners Wealth, LLC and previously worked at Stoker Ostler, The Vanguard Group, Edward Jones, Capco, and Cognizant Technology Solutions. Outside of his advisory role, he tutors CFP and securities exam content as an independent contractor for Varsity Tutors. Focus Partners Wealth, LLC serves individual and institutional clients with wealth management, financial planning, and retirement plan consulting. The firm employs a long-term, tax- and fee-sensitive investment approach that integrates active and passive strategies, private funds, and third-party managers within an enhanced open architecture framework.