Carl Richardson is a financial advisor at Charles Schwab with 30 years of industry experience. He has been with Charles Schwab since 1996 and holds Series 63 and Series 66 designations. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by the Schwab Center for Financial Research.

Dipen Patel is a CFP®-designated financial advisor with UBS Financial Services in Phoenix, AZ, where he has worked for 24 years. He is also a member of the Global Chamber of Phoenix, an organization focused on promoting business activity and global trade in Arizona. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor plans according to clients' goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, offering a broad platform that includes custody, underwriting, and capital markets operations.

Nicholas Hunter is a financial advisor at Charles Schwab with 12 years of industry experience. He has held roles at USAA Investment Management Company and various USAA Financial Services entities from 2007 to 2020. Outside of his advisory work, he is a co-owner of a business engaged in financial management, tax filing, tech support, and video editing. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering a range of advisory, brokerage, custody, and financial planning services through its integrated wrap fee programs. The firm combines non-discretionary advice with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by its research and due diligence capabilities.

Bryce Houdeshel is a financial advisor at Fidelity with 12 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Fidelity Investments since 2023, with prior roles at LPL Financial and Wells Fargo. He is affiliated with Strategic Advisers LLC, a Fidelity company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios and offers discretionary and non-discretionary advisory services.

David Bown is a financial advisor with Osaic Wealth, Inc. based in Peoria, AZ. He holds Series 63 and Series 65 licenses and has 27 years of industry experience. His prior roles include positions at Woodbury Financial Services and Questar Asset Management. Outside of his advisory work, he creates a Christian radio show focused on Bible lessons and personal empowerment. Osaic Wealth serves a diverse client base that includes individual investors, pension plans, corporations, and charities. The firm offers integrated brokerage and advisory services through a broad network of advisers, utilizing asset-allocation tools and multiple investment platforms to manage a wide range of portfolio types.

Anthony Kong is a financial advisor at Cetera with 25 years of industry experience and holds a Series 66 designation. He has previously worked at firms including Avantax Investment Services and 1ST Global Advisors and is also the owner of Kong & Associates CPA's. Kong is involved as Vice President of PK Charities Inc., where he participates in charitable fundraising and decision-making for organizational support. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers diverse portfolio management and consulting services through a multi-manager platform combining affiliated and third-party strategies, managing over $256 billion in assets across more than 10,000 advisors.

Francisco Mosier is a financial advisor with OSAIC based in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at OSAIC since 2017 and previously held roles at Signator Investors, Inc. and Transamerica Financial Advisors, Inc. Outside of his advisory work, Mosier owns and operates a tailoring business and is involved in a men's fashion retail venture. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage, investment advisory services, and access to multiple investment platforms. The firm employs asset-allocation tools, risk-tolerance analysis, and automated rebalancing to manage portfolios that include various types of securities, supporting both discretionary and non-discretionary account management.

Josephine Penley is a financial advisor with Charles Schwab & Co., Inc. in Phoenix, AZ, holding a Series 66 designation and 19 years of industry experience. She has been with Charles Schwab since 2008. 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 both non-discretionary and discretionary investment guidance through multi-asset model portfolios and alternative investment programs within an integrated operational structure.

Camille Rosen is a CFP® with seven years of industry experience, currently serving as a financial advisor at Fidelity in Glendale, AZ. Her career includes prior roles at Charles Schwab and Nordstrom, with a consistent focus on investment advisory services. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base that includes retail and institutional investors, offering discretionary and non-discretionary portfolio management alongside model portfolio construction using proprietary research and quantitative methods.

Douglas Culver is a financial advisor with Wells Fargo Clearing in Phoenix, AZ, holding Series 63 and Series 65 credentials and 39 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. Outside of his advisory role, he serves as the personal representative for his father's estate in Water Mill, NY. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Gerald Penegor Jr. is a financial advisor at Edelman Financial Engines with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Financial Engines Advisors, L.L.C. since 2013. The firm provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. Edelman Financial Engines manages model-based and customized portfolios, offers sub-advisory services, and serves a large client base through both advisor-led and online platforms.

Mitchel Wanalista is a financial advisor at Edelman Financial Engines with a Series 65 designation and one year of industry experience. Prior to joining Edelman Financial Engines, he worked at Equitable Advisors and has experience in education and sports management, including a role with the Baseball Club of Seattle. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios and supports a large client base through both advisor-led and online offerings.

Mark Boykin Jr. is a financial advisor at LPL Enterprise with a Series 66 designation and two years of industry experience. Prior to joining LPL Enterprise, he held roles at Cetera and Rayhons Financial Solutions. Before entering the financial advisory field, he worked for 14 years at Mayo Clinic. LPL Enterprise serves a broad range of clients including individuals, retirement plans, charities, and institutions through advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management, and a variety of brokerage and insurance products, relying on an integrated platform that combines advisory programs with sales of financial products.

Justin Dewane is a financial advisor at RBC Capital Markets with Series 66 and Series 63 licenses and two years of industry experience. Prior to joining RBC, he worked at The Vanguard Group and held various roles including self-employment and positions related to technology and sports organizations. RBC Wealth Management serves a diverse client base including individual investors, institutions, corporations, and charitable organizations, offering tailored portfolio management and financial planning services through multiple advisory programs.

Stephen Bowman is a financial advisor at Wells Fargo Advisors in Phoenix, AZ, with 35 years of industry experience. He holds Series 63 and Series 65 credentials and has worked within Wells Fargo entities since 2011. Outside of his advisory role, he has ownership interests in agricultural swine production businesses and operates Bowman Wealth Management. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering investment and fee-based financial planning services. The firm uses proprietary research and planning tools to develop tailored recommendations across a broad range of financial needs.

Alec Trentler is a financial advisor with J.P. Morgan Securities in Phoenix, AZ, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Edward Jones, Charles Schwab, Mass Mutual Life Insurance, and JPMorgan Chase Bank. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and a centralized due diligence process. The firm incorporates an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan organization.

Kevin Sutcliffe is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and 28 years of industry experience. He has worked at Schwab since 1999, including roles at Schwab Private Client Investment Advisory from 2016 and again from 2021 to 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 offers both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Evelyn Quintanar is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. She previously worked at Edward Jones and Bank of America, where she had a 19-year tenure. Outside of her advisory role, Evelyn serves as a Member at Large for the Centennial Packbackers, a booster club supporting student and parent participation in local football programs through fundraising and volunteer efforts. 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 institutions.

Scott Mc Dowell is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has been affiliated with Bank of America, N.A. and Merrill since 2006. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary strategies developed by internal and third-party managers.

Brandon Sparks is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 66 designations and 28 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his financial advisory role, he serves as an assistant football coach at Phoenix Christian High School. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing goal-based analyses and written recommendations on a wide range of financial planning topics. The firm allows clients to combine planning with managed-account programs while maintaining separate services and does not manage institutional portfolios.