Jacob Richey is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab since 2015. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses standardized asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance, without exercising discretionary trading authority.

Robert Pier is a financial advisor with Hightower Advisors in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. His prior roles include positions at Success Property Brokers, Your Castle Real Estate, Advisor Group Inc, and United Planners Financial Services. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals, institutions, and charitable organizations. The firm’s approach focuses on manager selection and multi-manager solutions, utilizing both affiliated and third-party managers alongside proprietary research and a wide range of investment vehicles.

George Klima is a ChFC® credentialed advisor with 44 years of industry experience, currently with Guardian Life in Scottsdale, AZ. He has been associated with Guardian Life and its affiliated entities since 2014 and also has experience with Park Avenue Securities since 2024. Outside of his advisory role, Klima is involved in the restaurant industry as an investor and partner in several businesses, including Nova Restaurant Group and Tavern 4 & 5 LLC. He works at Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, which provides brokerage and investment advisory services to individuals, retirement plan sponsors, and charitable organizations. The firm offers tailored client solutions through advisor-led discretionary management, model-based strategies, and integrated financial planning services.

Emily Stroud is a CFP® professional with eight years of industry experience. She currently works at Schwab Wealth Advisory, Inc. and has prior experience with Vanguard Advisers, Inc., Fidelity Investments, and Goldman Sachs. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning for clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab’s asset-allocation models and internal research tools to tailor recommendations to individual goals and risk tolerance.

Renee Rael is a financial advisor at United Planners' Financial Services of America, holding Series 63 and Series 66 licenses with 30 years of industry experience. She has worked with United Planners since 1999, including her current role at United Planners Financial Services since 2022, and previously worked at First Financial Equity Corporation. Outside of her advisory work, she serves as a trustee for the Mercedes G Weaver Living Trust. 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 a range of advisory and brokerage services through its network of independent investment advisor representatives.

Michael Toth is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. He has worked at Charles Schwab and its affiliated entities since 2019, and prior to that held various advisory roles at USAA from 2011 to 2019. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s approach utilizes Charles Schwab & Co.’s asset-allocation models and internal research, offering tailored recommendations without exercising discretionary trading authority.

Anne Schwab is a CFP® with 22 years of experience in the financial industry. She is currently with Schwab Wealth Advisory, Inc. and Charles Schwab & Co., Inc., having previously worked at firms including Asset Preservation Wealth & Tax and Berger Financial Group. Outside of her advisory work, she has authored a personal finance book, *Money Matters Made Simple*, and writes fictional novels and screenplays. Schwab Wealth Advisory, Inc. serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients, providing non‑discretionary fiduciary investment advice and financial planning. The firm’s approach is based on internal asset-allocation models and research tools, with client approvals required for all trades.

Ann Stojanovic is a financial advisor at Schwab Wealth Advisory with 7 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Charles Schwab since 2015, including her current role at Schwab Wealth Advisory since 2020. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on Charles Schwab’s proprietary asset-allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Jameson Van Houten is a Certified Financial Planner (CFP®) with 24 years of industry experience. He is currently with Beacon Pointe Advisors, LLC, where he has worked since 2021. His prior experience includes roles at Crown Capital Securities, LP and Stonegate Financial Group. Beacon Pointe Advisors, LLC provides wealth advisory, financial planning, retirement-plan platform services, and outsourced chief investment officer services to a diverse client base that includes individual investors, corporations, pension plans, and institutional clients. The firm combines asset-allocation modeling with third-party independent managers and offers both active and passive strategies across public and private asset classes.

Grace Gaabucayan is a CFP® professional with three years of experience in the financial services industry. She is currently with Schwab Wealth Advisory in Phoenix, AZ, having previously worked at Northern Trust, First Western Financial, and Versant Capital Management. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in its Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on asset-allocation models and internal research tools, with trades executed only upon client authorization.

James Cooney is a financial advisor at Focus Partners Wealth, LLC with seven years of industry experience. He holds the Series 63 and Series 65 designations. His prior roles include positions at The Colony Group, HoyleCohen, Stellar Capital Management, Empirical Wealth Management, and Grand Canyon University. Focus Partners serves individuals, high-net-worth families, family offices, corporate, and institutional clients with a range of wealth management and advisory services. The firm’s investment approach combines active and passive strategies within an enhanced open architecture framework and incorporates fundamental and quantitative analysis alongside specialized tools such as trend-following and options overlay strategies.

Nikolaos Stathopoulos is a CFP® professional with nine years of industry experience, currently serving at Schwab Wealth Advisory, Inc. since 2022. His prior roles include five years at The Vanguard Group and earlier experience as a self-employed advisor and with Randstad. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach incorporates standard asset-allocation models and internal research tools, with personalized recommendations based on individual goals and risk tolerance.

Colin Maurer is a financial advisor with Schwab Wealth Advisory, holding Series 65 and Series 66 licenses and starting his advisory career in 2026. His prior work experience includes positions at Charles Schwab & Co., Inc. and entrepreneurial activities in car detailing and pest solutions. Schwab Wealth Advisory, Inc. serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on internal research tools and standard asset-allocation models, with trades executed only upon client authorization.

Weylin Mc Adams is a financial advisor with Foundations Investment Advisors LLC, holding a Series 66 license and two years of industry experience. His background includes roles at JPMorgan Chase Bank, J.P. Morgan Securities, Merrill Edge, and Asset Preservation Wealth & Tax. Foundations Investment Advisors, LLC is a registered investment adviser serving a diverse client base, including individual and high-net-worth clients, employer-sponsored retirement plans, and registered investment companies. The firm offers financial planning and portfolio management through a network of affiliated offices, using model portfolios and a combination of fundamental, technical, and cyclical analysis.

Andrew Johnson is a financial advisor at Empower Advisory Group with Series 63 and Series 66 credentials and one year of industry experience. His prior roles include positions at Trajan Wealth and various financial services firms. 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 certain retail brokerage account holders. The firm delivers integrated services tied to Empower’s recordkeeping platforms and offers point-in-time financial plans alongside optional managed account solutions.

Benjamin Aeschliman is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 designations and 15 years of industry experience. He has worked with Charles Schwab & Co., Inc. since 2011 and Charles Schwab Bank since 2014. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily for clients enrolled in the Schwab Wealth Advisory program, using standardized asset-allocation models and internal research tools. The firm delivers tailored recommendations through at-least-annual reviews and typically utilizes separately managed accounts managed by third-party or affiliated managers.

Randy Morse is a CFP® professional with over 32 years of experience in the financial services industry. He has worked at Creative Planning since 2018 and previously spent 22 years at Fidelity Brokerage Services, Inc. and Fidelity Personal Trust. Outside of his advisory role, he is a landlord of rental properties in Mesa, AZ, and Aliso Viejo, CA. Creative Planning provides comprehensive investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm employs a financial planning–led investment approach with an emphasis on low-cost indexing and buy-and-hold strategies, supported by a range of supplemental investment options and integrated retirement plan services.

Simon Rogers is a financial advisor with Foundations Investment Advisors LLC, holding Series 63 and Series 65 designations and 17 years of industry experience. He has previously worked at AE Wealth Management, LLC and Alphastar Capital Management, LLC. Outside of his advisory role, Rogers is president of Basildon Financial, where he provides insurance services, and Basildon Tax Services, offering tax preparation. Foundations Investment Advisors, LLC delivers financial planning and portfolio management to a diverse client base, utilizing model portfolios and a combination of fundamental, technical, and cyclical analysis, and incorporates sub-advisory relationships and multiple service affiliates in its operations.

Dustin Giannangelo is a financial advisor with Kestra Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and 19 years of industry experience. Prior to joining Kestra Advisory and Kestra Investment Services in 2017, he worked at LPL Financial for three years. He is also the owner and CEO of NeutrinoIQ, a financial software company focused on product vision and leadership. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, including plan sponsors. The firm offers a range of services such as fiduciary consulting, plan design, investment advice, and employee education, serving large investors with approximately $79.8 billion in assets under management and maintaining extensive third-party and affiliate relationships.

Jonathan Crosby is a CFP® with eight years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior roles include positions at Charles Schwab, Protective Life Corporation, Private Client Services, RFG Advisory, Regions Bank, and BBVA Securities Inc. He is based in Phoenix, AZ. Schwab Wealth Advisory provides fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm’s advice is guided by Schwab’s asset-allocation models and internal research, offering recommendations tailored to individual goals and risk tolerance without exercising discretionary trading authority.