William Bibbs is a financial advisor with Schwab Wealth Advisory Inc. in Phoenix, AZ. He holds Series 66 and Series 63 licenses and has one year of industry experience. Prior to joining Schwab Wealth Advisory, he worked at Charles Schwab & Co., Inc., as well as the YMCA Retirement Fund. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, focusing on annual financial reviews and tailored investment recommendations. The firm operates within the Schwab ecosystem and uses standard asset allocation models and Schwab research tools to support client decisions.

Miguel Molina is a financial advisor at Schwab Wealth Advisory with eight years of industry experience. He holds the Series 63 and Series 66 licenses. His prior work includes roles at Charles Schwab, Veyo Arizona, and Total Transit. 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 as an internal advisory unit within the Schwab ecosystem, delivering advice based on standardized asset allocation models and Schwab research tools.

Grant Lindaman is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. His career includes roles at LPL Financial LLC and J.W. Cole Financial, Inc., as well as extensive tenure at New Era Financial Advisor, Inc. and New Era Financial Group, Inc. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets through a large advisor network, employing a diversified investment approach that blends passive and active strategies with oversight by an internal Investment Committee.

Jonathan Floe is a financial advisor at Lincoln Investment in Phoenix, AZ, holding a Series 66 designation with three years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, N.A., and Morgan Stanley Smith Barney LLC. He also has experience outside the financial industry with involvement at Upward Projects and Rott N' Grapes. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a particular focus on educators and 403(b)/457(b) participants. The firm offers financial planning and a variety of investment programs overseen by an Investment Management & Research team that employs both strategic and dynamic approaches.

Antonio Carter is a financial advisor with Principal Financial Services in Gilbert, AZ, holding Series 63 and Series 66 licenses and 20 years of industry experience. His prior roles include positions at M Financial Asset Management and Commonwealth Financial Network. Outside of his advisory work, he buys and sells baseball cards through eBay and trade shows. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm’s advisory services emphasize financial planning, retirement consulting, and access to third-party money manager programs under various investment adviser and promoter arrangements.

Brendan Duggan is a financial advisor at Kestra Advisory with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Kestra Advisory Services LLC and Kestra Investment Services, LLC since 2021, following five years at Wells Fargo Clearing and three years at Wells Fargo Advisors. Duggan is a managing partner and 50% owner of Prominent Peak Wealth Management and owns Prominent Peak Tax and Estate Services, which provides outsourced tax preparation and estate planning. Kestra Advisory Services offers investment advisory and retirement-plan consulting to plan sponsors, institutional, and individual clients. The firm provides fiduciary consulting, plan-level investment advice, and access to multiple management platforms, serving a varied client base that includes large institutional investors and sovereign wealth funds.

Dylan Brosious is a financial advisor with Empower Advisory Group in Scottsdale, AZ, holding Series 66 and Series 63 licenses and bringing 10 years of industry experience. His prior roles include positions at Fidelity Brokerage Services LLC and related entities. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage clients. The firm uses an integrated model linked to Empower’s recordkeeping platforms and offers point-in-time financial plans and optional managed account solutions.

Kenneth Oliverio Jr. is a financial advisor with United Planners' Financial Services of America, holding Series 63, 65, and 66 designations and 27 years of industry experience. He has been with United Planners since 2010 and serves as co-trustee of The Kenneth & Emelinda Oliverio Family Trust since 2018. United Planners Financial Services supports a diverse client base, including individuals, corporations, charitable organizations, and institutional clients, through a network of 477 independent advisors. The firm offers financial planning, portfolio management, retirement plan services, and brokerage solutions via an open-architecture platform that utilizes multiple custodians and third-party money managers.

Kimberly Caldwell is a financial advisor with United Planners Financial Services of America, holding Series 63 and Series 66 credentials and bringing 24 years of industry experience. Her previous roles include positions at LPL Financial and Truist Investment Services. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base through independent Investment Adviser Representatives, offering advisory and brokerage services with an emphasis on non-discretionary account management.

Luke Pine is a financial advisor at CWM, LLC with one year of industry experience. He holds the Series 65 designation and previously worked at Integrated Wealth Management, LLC for six years. Prior to his advisory career, he was affiliated with Chapman University for four years. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm manages accounts primarily on a discretionary basis using model portfolios and offers a range of services including portfolio management, financial planning, sub-advisory, and retirement-plan services.

Tyler Cawthorne is a CFP® professional with eight years of industry experience currently advising at Schwab Wealth Advisory, Inc. He has held roles at Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB, among others. Outside of his advisory work, he is involved in online content production related to sports and esports streaming, as well as gig work as a delivery driver. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice primarily to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, planning discussions, and investment recommendations. The firm operates as an internal advisory unit within the Schwab ecosystem and focuses on client-directed investment decisions.

Tyler Mehlhorn is a CFP® with 20 years of industry experience, currently serving at Schwab Wealth Advisory in Phoenix, AZ. He has been with Charles Schwab and Schwab Wealth Advisory since 2013 and is also involved with TC Squared, LLC, where he manages a YouTube channel and blog focused on various projects and agricultural topics. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, delivering recommendations through Charles Schwab’s asset allocation models and research tools while leaving final trading decisions to clients.

Andrea Flores is a CFP® and ChFC® with 19 years of industry experience. She has worked at Schwab Wealth Advisory Inc. and Charles Schwab since 2019 and previously held roles at USAA Investment Management Company and related USAA financial planning and advisory entities from 2012 to 2019. She is based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations. The firm uses Schwab’s asset allocation models and research tools while allowing clients to make final trading decisions, and it operates within the Schwab ecosystem under a cost-and-expense plus arrangement rather than charging clients directly.

Shaun Horan is a financial advisor with Primerica Advisors and holds Series 63 and Series 65 licenses. He has 28 years of industry experience, including roles at Park Avenue Securities and Guardian Life Insurance Company. Outside of his advisory work, he serves as an officer and bookkeeper for DanAm Aviation LLC, a holding company. Park Avenue Securities LLC serves a diverse retail client base with brokerage and advisory services, offering proprietary and third-party investment programs alongside financial planning and consulting. The firm manages approximately $15 billion in regulatory assets under management and supports a range of investment strategies and account-level services.

Jay Chang is a financial advisor at Farther with 12 years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Farther in 2025, he worked at Charles Schwab for eight years in various advisory roles. Farther provides discretionary investment management and related advisory services primarily to individual investors, trusts, and estates through a web and mobile platform as well as in-person meetings. The firm’s investment approach is based on Modern Portfolio Theory and uses proprietary model portfolios with algorithmic rebalancing, combining various asset classes and AI tools subject to internal review.

Bryan Chubinsky is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and possessing 12 years of industry experience. He has been with Schwab Wealth Advisory since 2015 and Charles Schwab since 2013. He also serves in the US Army Reserves, a role he has held since 1995. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients annual financial reviews, investment recommendations across various asset classes, and wealth management education. The firm operates within the Schwab ecosystem and recommends investments using Schwab’s research tools while leaving final trading decisions to clients.

William Jorden is a CFP® and Series 66-registered financial advisor with Schwab Wealth Advisory in Phoenix, AZ, bringing 18 years of industry experience. He has worked at Schwab Wealth Advisory and Charles Schwab since 2017 and spent one year at Oppenheimer prior to that. 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, while clients retain final trading decisions and SWAI conducts annual account reviews.

Patrick Nugent is a financial advisor at Schwab Wealth Advisory with 27 years of industry experience. He holds Series 65 and Series 66 licenses and has worked at Schwab Wealth Advisory and Charles Schwab since 2019, following previous roles at USAA Investment Management Company and USAA Financial Planning Services. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning discussions, and investment recommendations across various asset classes. The firm’s advice is based on Charles Schwab & Co.’s asset allocation models and research tools, with clients making final trading decisions.

Christopher Cornwall is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has worked with Charles Schwab since 1997 and has been with Schwab Wealth Advisory since 2012. Outside of his advisory role, Cornwall owns Cornwall Enterprises LLC, a company leasing vehicles to drivers, which he manages with limited monthly hours. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations utilizing Schwab’s research tools and asset allocation models without exercising discretionary trading authority.

Dominick Chavez is a financial advisor with Schwab Wealth Advisory, holding Series 66 and Series 63 licenses and bringing nine years of industry experience. He has been with Schwab Wealth Advisory since 2020 and has worked with Charles Schwab & Co., Inc. since 2016. 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 across a range of assets. The firm operates within the Schwab ecosystem, delivering advice through standard asset allocation models and research tools while leaving final trading decisions to clients.