Russell Trapp is a financial advisor at Merrill with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Bank of America and Merrill since 2011. Outside of his advisory role, he maintains an Arizona real estate license for personal and family use and is an owner of an LLC that owns a Cessna 172 airplane flown by his wife. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Huy Chau is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and having five years of industry experience. Prior to joining Charles Schwab in 2020, he worked at Vexcel and Star Marianas Air and spent seven years with Southwest Airlines. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment management with multi-asset model portfolios and alternative investment options.

Karen Krusmark is a financial advisor at Edelman Financial Engines with 16 years of industry experience. She holds a Series 65 designation and has worked at Financial Engines Advisors LLC since 2009. Outside of her advisory role, she is also a mortgage consultant and loan officer at Homeowners Financial Group. Edelman Financial Engines provides technology-enabled investment advisory services for workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm offers both model-based and customized portfolios, supporting a large client base through advisor-led and online platforms.

Russell Huffer is a financial advisor at Charles Schwab with 34 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with various Schwab entities since 2006, including Charles Schwab Premiere Bank, Charles Schwab Trust Bank, and Charles Schwab Bank, SSB. Charles Schwab & Co., Inc. serves high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management with multi-asset model portfolios and alternative investment options. The firm is notable for its large scale, integrated structure, and centralized services.

Ann Lonergan is a financial advisor with Fidelity in Phoenix, AZ, holding Series 63 and Series 66 designations and 25 years of industry experience. Her work history includes roles at Fidelity Brokerage Services LLC, The Vanguard Group, Inc., and managing member duties at ARL Enterprises LLC, a family LLC providing administration and notary services. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction utilizing mutual funds, ETFs, and ETPs. The firm also serves as a registered commodity pool operator and provides model portfolios for Fidelity Institutional Wealth Adviser.

Mitchell Berner is a financial advisor with Charles Schwab & Co., Inc. in Phoenix, Arizona, holding a Series 66 designation and seven years of industry experience. He has been with Charles Schwab since 2018. Prior to his advisory role, he worked briefly at Foresters Financial and gained experience outside finance at Tailgaters Sports Grill. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment solutions, leveraging multi-asset model portfolios and a structured alternative investment program.

Jeffrey Johnston is a financial advisor with Robert Baird & Co. holding a Series 66 designation and two years of industry experience. Prior to joining Robert Baird & Co., he held positions at Medallion, Solv., and PatientPop Inc., and also worked at the University of Arizona. Robert Baird & Co.’s DDK Group, where Johnston works, provides wealth management services to individuals, corporate and business clients, pension and profit-sharing plans, and charitable organizations. The firm offers a variety of financial planning and portfolio management solutions, including separately managed accounts and tax-managed strategies, supported by internal research and investment professionals.

John Seaquist is a financial advisor at Charles Schwab with 16 years of industry experience. He holds a Series 66 designation and has been with Charles Schwab since 2009. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and comprehensive alternative investment due diligence.

Ted Duvall is a Series 66-credentialed financial advisor with 25 years of industry experience. He has been with Ameriprise since 2005, including six years at the current firm location in Peoria, AZ. Outside of his advisory role, he is a member of Kingdom Advisors, a professional association. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services that focus on dependable income and tax-aware withdrawal strategies.

Paul Koch is a financial advisor at Robert W. Baird & Co. with 21 years of industry experience. He holds the Series 66 designation and previously worked at Ameriprise Financial Services, Inc. from 2016 to 2023. The DDK Group, part of Baird’s Private Wealth Management department, serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, and custody and brokerage services, utilizing manager-traded and model-traded strategies alongside tax-management and direct-indexing capabilities.

Lizette Parada is a financial advisor with LPL Financial based in Goodyear, AZ, holding Series 65 and Series 63 licenses and having three years of industry experience. Her career includes roles at Wells Fargo Bank, Wells Fargo Clearing, and currently BMO Harris Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and various advisory strategies.

Daniel Kalff is a financial advisor with Charles Schwab & Co., Inc. in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. His prior roles include positions at USAA Financial Advisors, Inc., USAA financial planning services, and USAA Investment Management Company, covering a combined period from 2007 to 2020. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering comprehensive wealth advisory wrap fee programs along with managed-account and financial planning services. The firm combines non-discretionary advisory models with access to discretionary separately managed accounts, employing multi-asset portfolio strategies and a centralized operational structure.

Wendy Stolcis is a financial advisor at Wells Fargo Clearing with 31 years of industry experience. She holds the Series 63 designation and has been with Wells Fargo Clearing since 2016, following four years at Wells Fargo Advisors. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven, incorporates modern portfolio theory, and includes discretionary options tailored to plan objectives and risk tolerances.

Hunter Hinton is a Planning Consultant at Fidelity Investments, a role he has held since 2026. He focuses on providing clients with clear peace of mind, ongoing predictability, and overall control of their financial lives. Prior to this, he served as a Relationship Manager at Fidelity Investments from 2024 to 2026 and began his financial advisory career as a Financial Advisor at Edward Jones from 2023 to 2024. His professional experience encompasses various aspects of financial planning and client relationship management.

Ziomara Reyes is a financial advisor at Charles Schwab with Series 66 and Series 63 credentials and three years of industry experience. Her prior work includes roles at Target, AML Rightsource LLC, and the Phoenix Elementary School District. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a mix of non-discretionary and discretionary investment guidance using multi-asset model portfolios, supported by centralized custody and operational infrastructure.

David Conrad is a financial advisor at Charles Schwab with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab since 1999, including his current role at Charles Schwab Trust Bank since 2023. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by centralized custody and operational infrastructure.

Matthew Neil is a financial advisor at LPL Financial in Phoenix, AZ, holding Series 66 and Series 63 licenses with 16 years of industry experience. His prior roles include positions at Charles Schwab & Co., Inc. and Merrill. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Kal Jamsa Jr. is a financial advisor with Morgan Stanley in Peoria, AZ, holding Series 63 and Series 65 licenses and 46 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Prior to that, he spent over two decades at Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and extensive resources.

Justin Kauffman is a CFP®-designated financial advisor with 10 years of industry experience. He is currently affiliated with Cetera and has previously worked with Independent Financial Group and United Planners Financial Services. Outside of his advisory role, he is involved with Pinnacle Creative Arts, an organization that supports young performers in developing their talents, and serves as an officer for a youth volleyball club. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a multi-manager platform, with access to both affiliated and third-party investment managers.

Hector Rojas is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 credentials and eight years of industry experience. He has worked at Charles Schwab since 2017, including a position at Charles Schwab Bank, SSB, and previously at Wells Fargo Advisors LLC. Outside of his advisory role, he owns a rental property. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts, supported by model portfolios and alternative investment due diligence.