Garland Howard III is a financial advisor at Primerica Advisors with 42 years of industry experience. He has been affiliated with Primerica Advisors since 1984 and Primerica Financial Services since 1991. In addition to advisory services, he is involved in the sale of loan products and home-related services referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery strategies managed by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Torrey Jewett is a financial advisor with LPL Financial in Phoenix, AZ, holding a Series 66 designation and 18 years of industry experience. He has worked at LPL Financial since 2010, with prior experience at Wells Fargo Investments and Cetera Investment Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management services, utilizing both proprietary and third-party investment strategies.

Timothy Melanson Jr. is a CFP® with nine years of industry experience, currently serving as a financial advisor at Vanguard Advisers in Scottsdale, AZ. His career includes roles at The Vanguard Group and Vanguard Marketing Corporation since 2017, as well as prior experience in the hospitality and manufacturing sectors. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary models to create personalized asset allocations, managing a large client base with a digital platform supported by over 2,200 advisors.

Ramiro Garcia Jr. is a financial advisor with Vanguard Advisers holding a Series 66 designation. He brings experience from both military service and roles at Vanguard-affiliated firms, having worked at The Vanguard Group, Vanguard Marketing Corporation, and Randstad. He also has a background that includes service in the United States Army and Marine Corps. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants, using a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs. The firm is notable for its scale and digital delivery, managing a large number of client relationships through a combination of automated platforms and team servicing.

James Maier is a financial advisor with Vanguard Advisers, holding a Series 66 designation and currently located in Scottsdale, AZ. He has one year of industry experience, including roles at Vanguard Advisers, The Vanguard Group, and Vanguard Marketing Corporation. His prior work history includes various positions outside the financial industry. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach with portfolios mainly composed of Vanguard funds and ETFs, supported by a large team and a high client-to-advisor ratio.

Omeed Assadi is a financial advisor with Charles Schwab in Scottsdale, AZ, holding Series 63 and Series 66 credentials and 12 years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2013 and Charles Schwab Bank since 2017. He is also associated with Comfort Keepers since 2014. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering non-discretionary investment guidance alongside access to discretionary separately managed accounts and multi-asset model portfolios. Schwab’s integrated structure combines advisory, brokerage, custody, and cash-sweep services for a large client base.

Ivan Rodriguez Flores is a financial advisor at Vanguard Advisers with Series 63 and Series 66 credentials and four years of industry experience. His career includes roles at Vanguard Marketing Corporation and The Vanguard Group, Inc., as well as positions related to behavior therapy and education. He has experience working in both financial services and behavioral health sectors. Vanguard Advisers delivers investment advice through a combination of automated and human-supported services, primarily serving retail investors and eligible participants in employer-sponsored retirement plans. The firm uses an algorithm-driven, goal-based approach to asset allocation, focusing mainly on Vanguard funds and ETFs with various customization and tax-aware features.

Konrad Osa is a CFP® professional with six years of industry experience currently at Vanguard Advisers. He has been affiliated with various Vanguard entities since 2018 and has a background that includes service in the United States Air Force Reserve since 2016. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to portfolio construction, emphasizing personalized asset allocations with a focus on Vanguard funds and ETFs.

Drew Knutson is a financial advisor at Osaic with seven years of industry experience. He holds a Series 66 designation and previously worked at Securities America, Inc. and Alorica. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, offering both brokerage and advisory services with an investment process focused on model-based asset allocation, portfolio optimization, and a variety of managed account options.

Nicholas Beeter is a financial advisor at Fidelity with a Series 66 designation and less than one year of industry experience. He has previously worked at Edward Jones Investments and First Western Bank and Trust. Outside of his advisory work, he operates a social media account focused on creating and posting videos. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

William Pope is a financial advisor with Vanguard Advisers in Scottsdale, Arizona, holding Series 63 and Series 66 licenses and having nine years of industry experience. He has been with various Vanguard entities since 2017, including Vanguard Advisers, Inc., Vanguard Marketing Corporation, and The Vanguard Group, Inc. Prior to Vanguard, he spent four years at the University of Arizona. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to create personalized portfolios primarily composed of Vanguard funds and ETFs, and manages a large client base through a combination of digital platforms and a team servicing model.

Cinnamon Brickner is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 licenses and seven years of industry experience. Prior to joining Vanguard Advisers, Brickner worked at Wells Fargo Clearing and Wells Fargo Bank, N.A. She also has experience at Scottsdale Community College and Discover Financial Services. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach, managing portfolios primarily with Vanguard funds and ETFs and offering a range of customization options and tax-aware strategies.

Timothy Saeli is a CFP®-credentialed financial advisor with nine years of industry experience, currently serving at Vanguard Advisers. He has been with Vanguard and its affiliated entities since 2017 and is also the owner of an e-commerce business, TJSales Enterprises, LLC. Timothy is based in Scottsdale, AZ. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach with proprietary methodologies and offers portfolios constructed largely from Vanguard funds and ETFs, supporting a range of customization options.

Pedro Benavides is a Series 66-credentialed advisor at OSAIC with two years of industry experience. Before joining OSAIC in 2023, he worked at Advisor Group and has also held positions at SUNY Albany and the U.S. Army. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach relies on model-based asset allocation and portfolio optimization with various managed account strategies and third-party manager programs.

Kelly Mcmanus is a financial advisor at Morgan Stanley with 34 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Lana Ledlow is a financial advisor at Osaic with 18 years of industry experience. She holds a Series 66 designation and previously worked at Charles Schwab for three years and TD Ameritrade for thirteen years. Lana is based in Scottsdale, AZ. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering both brokerage and advisory services. The firm utilizes a model-based investment approach with tools for portfolio optimization and risk assessment, supporting various strategies and third-party manager selections.

Curtis Carr is a CFP® with 12 years of industry experience, currently advising at Vanguard Advisers since 2014. He is based in Scottsdale, AZ, and holds Series 63 and Series 65 licenses. Outside of his advisory role, he is the owner of Meadowhill, LLC, a real estate lending business. Vanguard Advisers offers both automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to create personalized asset allocations, managing a large client base through its digital platform and extensive advisor team.

Michael Weigel is a CFA® charterholder with 38 years of industry experience. He is currently with Wells Fargo Clearing and has previously worked at Mutual of Omaha Investor Services and Mutual of Omaha Bank. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Lorena Kelley is a financial advisor at OSAIC with 26 years of industry experience. She holds the Series 63 and Series 66 designations and previously worked at Sagepoint for eight years. Outside of her advisory role, she is also licensed in real estate sales. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with a range of brokerage and advisory services, emphasizing model-based asset allocation and portfolio optimization.

Jordan Bunker is a financial advisor with LPL Financial in Phoenix, AZ, holding a Series 66 designation and five years of industry experience. Prior to joining LPL Financial in 2020, he held roles at Kent State University, Loyola University Chicago, and Walsh Jesuit High School. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.