Frank Kirby Jr. is a CFP® with 26 years of industry experience, currently affiliated with United Planners' Financial Services of America as a Limited Partner. His career includes roles at FireSky Financial, Inc., Rogers & Kirby Enterprise, and Agape Insurance Partners. He volunteers to facilitate financial and estate workshops, including sessions based on Dave Ramsey’s Financial Peace University, at Dream City Church in Phoenix, AZ. United Planners Financial Services serves a diverse client base including individuals, corporations, and charitable organizations, offering financial planning, portfolio management, retirement plan services, and brokerage solutions through a network of 477 independent advisors. The firm operates an open-architecture platform with multiple custodians and third-party money managers, with a significant portion of assets managed on a non-discretionary basis.

David Vincent is a CFP® professional with 16 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory Inc. since 2012. He has worked at Charles Schwab & Co., Inc. since 2010. Based in Phoenix, AZ, his credentials include Series 63 and Series 66 licenses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice through standardized asset allocation models and research tools while clients retain final trading decisions.

Joshua Deforest is a CFP®, CFA®, and Series 65-licensed advisor at Mercer Global Advisors Inc. with 15 years of industry experience. He has been with Mercer in various roles since 2016. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments, providing investment advisory, financial, tax, retirement, and estate planning services. The firm employs a Modern Portfolio Theory-based investment approach with diversified, risk-appropriate portfolios using low-cost ETFs, index funds, and other vehicles, and offers specialized programs and client education initiatives.

Sheila Cuffari Agasi is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. She has been with United Planners and affiliated entities since 2006. She also serves as trustee of the Agasi Family Trust and is involved in personal investment activities through Rainbow Rain, LLC. United Planners Financial Services serves a diverse client base, including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm operates an open-architecture platform with multiple custodians and third-party money managers, offering both fee-based and commission-based financial planning and portfolio management services.

Travette Keyes is a financial advisor at Empower Advisory Group with Series 66 and Series 63 designations and two years of industry experience. Prior to joining Empower, he worked at Charles Schwab & Co., Inc. and The Vanguard Group, Inc. His diverse background includes roles in insurance, retail, and community involvement. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants. The firm’s integrated model supports both point-in-time financial plans and optional managed account solutions, with a focus on long-term portfolio returns and client savings rates.

Joseph Kabaki is a CFP®-designated financial advisor with eight years of industry experience. He is currently with Steward Partners Investment Advisory, LLC and has previously worked at Ameriprise Financial Services, LLC, Raymond James Financial Services, Inc., and Jackson Roskelley Wealth Advisors, Inc. Outside of advising, Kabaki serves as Treasurer on a nonprofit board. Steward Partners Investment Advisory, LLC is an enterprise-scale, SEC-registered RIA managing approximately $36.7 billion in assets. The firm serves individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations, offering diverse investment advisory and financial planning services through both discretionary and non-discretionary portfolio management.

Charles Pascu is a CFP®-certified financial advisor at Eagle Strategies (NY Life) with 31 years of industry experience. He has been with Eagle Strategies and affiliated entities since 2013. From 2017 to 2018, he was employed at Uber. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to a diverse client base, including individual investors and institutional sponsors. The firm emphasizes tailored recommendations and offers multiple program types, managing the majority of assets on a non-discretionary basis through its integrated relationship with New York Life.

Charles Carter is a financial advisor with Commonwealth Financial Network in Phoenix, AZ, holding the ChFC® designation and Series 63 license. He has 30 years of industry experience and has been with Commonwealth and Camelback Retirement Planners since 2013. Carter is also a co-owner of DMCC, LLC, a private entity involved in securities, advisory, and insurance business operations. Commonwealth Financial Network is a national registered investment adviser supporting approximately 2,950 advisors with a range of advisory programs and services. The firm provides operational, trading, technology, investment management, compliance, and practice-management support, enabling advisors to offer customized portfolio solutions and discretionary model portfolios.

T Powell is a CFP® professional with 14 years of industry experience, currently serving as a financial advisor at Beacon Pointe Advisors, LLC since 2021. His prior experience includes roles at Ameriprise Financial Services, Inc., Massachusetts Mutual Life Insurance Company, and Stonegate Capital Advisors. In addition to his advisory work, he is an agent with Beacon Pointe Insurance Services, focusing on the sale of life, health, and accident insurance products. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse client base including individuals, institutions, charitable organizations, and retirement plans. The firm employs a manager-driven investment approach, utilizing a proprietary “Focus List” and a combination of active and passive strategies, while also sponsoring proprietary investment vehicles and serving as a general partner for multiple private funds.

Jeffrey Cary is a financial advisor at Schwab Wealth Advisory with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Schwab Wealth Advisory since 2012, having worked at Charles Schwab since 1999. Jeffrey is based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled 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, delivering advice using standard asset allocation models and Schwab research tools, while leaving final trading decisions to clients.

Yvonne Dolny is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She has been with Charles Schwab and its affiliated entities since 2004, including 11 years at Charles Schwab Bank before joining Schwab Wealth Advisory in 2019. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem, using its proprietary research tools and standard asset allocation models, while clients retain final trading decisions.

David Bonar is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and 10 years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2015, including roles at Charles Schwab Bank SBB and Schwab Wealth Advisory. 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. The firm delivers annual financial reviews and investment recommendations while leaving final trading decisions to clients.

Paul Perreault Jr. is a financial advisor with United Planners Financial Services of America and holds Series 63 and Series 66 designations. He has 38 years of industry experience, including roles at First Financial Equity Corporation and managing his own practice, Paul A. Perreault Jr. He serves on the Four Peaks Rotary Signer-Oversight Committee in Fountain Hills, AZ. United Planners Financial Services supports a diverse client base, including individuals, corporations, charitable organizations, and institutional clients. The firm operates an open-architecture platform with multiple custodians and money managers, offering a range of advisory models and predominantly non-discretionary asset management through a network of 477 independent Investment Advisor Representatives.

Taylor Thompson is a CFP®-certified financial advisor with 12 years of industry experience. He currently works at Schwab Wealth Advisory, Inc. and has previously held roles at The Vanguard Group and various Charles Schwab entities. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews and investment recommendations using Schwab’s proprietary research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees or manage accounts on a discretionary basis.

Joshua Brown is a financial advisor at Guardian Life with 10 years of industry experience. He holds the CFP® designation along with Series 63 and Series 66 licenses. Prior to his current roles at Guardian Life and Park Avenue Securities, he spent four years at The Vanguard Group. Outside of finance, he consults for retail and e-commerce merchants through Lighthouse Payments LLC. Park Avenue Securities LLC, doing business as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser that serves individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers a range of brokerage services, financial planning, retirement consulting, and investment advisory programs, including both discretionary and non-discretionary models.

Eric Verhulst is a financial advisor at Rockefeller Financial LLC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Bank of America and Merrill. Outside of his advisory role, he is involved in managing several LLCs related to vehicle sharing. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, institutional clients, retirement plans, foundations, and corporations. The firm provides portfolio management, financial planning, and consulting through a Private Advisor model and a consolidated investment platform that includes discretionary and non-discretionary solutions across equities, fixed income, and alternatives, while also operating as a registered broker-dealer.

Jake Scanlon is a financial advisor with Schwab Wealth Advisory, holding Series 66 and Series 63 licenses and bringing five years of industry experience. His prior roles include positions at Charles Schwab and The Vanguard Group. Outside of finance, he is involved in a family business that provides consulting services for home remodeling. Schwab Wealth Advisory delivers non-discretionary fiduciary investment advice to clients enrolled in its program, utilizing Schwab’s asset allocation models and research tools. The firm focuses on annual financial reviews and investment recommendations while clients retain final trading authority.

Thomas Richardson is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding a CFP® designation and Series 63 and 66 licenses. He has four years of industry experience, with prior roles at Charles Schwab & Co., Inc., Arizona State University, and Starbucks Coffee Company. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations across various asset classes using Schwab's research tools and standard asset allocation models.

Eric Swier is a CFP® professional with 10 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory, Inc. Prior to joining Schwab Wealth Advisory and Charles Schwab & Co., Inc., he worked at JPMorgan Chase Bank N.A., J.P. Morgan Securities LLC, Robinhood Markets, Inc., and The Vanguard Group, Inc. Outside of his financial advisory role, Swier operates two e-commerce businesses focused on jewelry and resale of thrifted items. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program. The firm offers annual financial reviews, retirement planning, and investment recommendations utilizing Schwab’s proprietary research and standard asset allocation models, with final trading decisions made by clients.

Barry Eller is a financial advisor with United Planners' Financial Services of America and holds Series 63 and Series 66 designations. He has 32 years of industry experience, including prior roles at Cambridge Investment Research Advisors, TD Ameritrade, and BBVA Wealth Solutions. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients, offering financial planning, portfolio management, retirement plan services, and brokerage solutions through a network of 477 independent investment advisor representatives. The firm operates an open-architecture platform using multiple custodians and third-party money managers, with a majority of assets managed on a non-discretionary basis.