Michael Otradovec is a financial advisor with LPL Financial in Scottsdale, AZ, holding Series 63 and Series 65 licenses and 18 years of industry experience. Prior to joining LPL Financial in 2024, he worked at Ameriprise Financial Services, Mass Mutual Investors Services, MetLife Securities, and OSAIC Services. He is also involved with Michael R Otradovec LLC, a business entity established for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and participant-level retirement advice through a large network of investment adviser representatives.

Ross Fraser is a financial advisor at Vanguard Advisers with six years of industry experience. He holds a Series 66 credential and has worked at Vanguard since 2020, following a brief tenure at the United Services Automobile Association. Vanguard Advisers offers both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach to portfolio construction, primarily using Vanguard funds and ETFs, and manages a large client base through a combination of digital platforms and advisory teams.

Matthew Trink is a CFP® professional with 14 years of industry experience, currently serving as an advisor at Vanguard Advisers. His prior roles include positions at Charles Schwab and Ash Brokerage. Outside of financial advising, he owns Roscoe & Louie Transportation, a transportation service business. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach with portfolios mainly composed of Vanguard funds and ETFs, emphasizing scalable digital delivery combined with advisor support.

Kristin Becker is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. She worked at Morgan Stanley from 2007 to 2020 before joining Wells Fargo Clearing in 2020 and Wells Fargo Advisors Financial Network in 2026. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services tailored to clients who meet a net-worth threshold, utilizing proprietary research and tools to develop customized recommendations.

Deborah Papa is a financial advisor at RBC Capital Markets with 12 years of industry experience. She holds a Series 66 designation and has worked at RBC Capital Markets since 2014, with prior experience at Merrill dating back to 2000. Outside of her advisory role, she is the owner of a restaurant business, where she oversees financials, bill payments, and marketing. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with discretionary and non-discretionary portfolio management tailored to clients’ risk profiles, utilizing a combination of in-house and third-party investment managers.

Michael Ridley is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. He holds a Series 66 credential and has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. Ridley has also been involved in several private business ventures since 2005. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, providing investment consulting and advisory services through a combination of quantitative asset-allocation modeling and centralized due diligence. The firm’s investment approach includes an ESG eligibility framework and access to a broad range of products through its unique regulatory registrations.

Mariella Chavez Gehrig is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. She has previously worked at Cetera and Renaissance Financial. Outside of her advisory role, she is involved as a host at Bacio Italiano, a restaurant in Tucson, AZ. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kevin Fitzpatrick is a financial advisor at Vanguard Advisers with seven years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Vanguard Advisers, he worked at U.S. Bancorp Advisors, Charles Schwab & Co., and Wells Fargo Bank. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, serving retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach with portfolios primarily constructed from Vanguard funds and ETFs.

Kevin Wilkison is a financial advisor with Ameriprise in Phoenix, AZ, holding Series 63 and Series 65 licenses and 25 years of industry experience. His prior roles include positions at Cardinal Management AZ LLC, Royal Alliance Associates, Inc., and AXA Advisors, LLC. He serves as a board member for the Arizona Municipal School Board Leaders (AZMSBL). Ameriprise is an institutional firm that provides retirement-income planning services for individuals approaching or in retirement, typically serving clients with significant investable assets. The firm combines research, modeling, and tax-efficiency strategies to deliver tailored, non-discretionary retirement recommendations through a centralized consulting team.

Dean Martines is a financial advisor at Charles Schwab with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab & Co., Inc. since 2000, including a role at Charles Schwab Bank SSB since 2007. Based in Scottsdale, AZ, he serves clients through Schwab’s integrated wealth advisory platform. 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 advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios, alternative investment options, and a centralized operational structure.

Jason Schiffman is a financial advisor at Vanguard Advisers with 16 years of industry experience. He has been with Vanguard Advisers since 2014 and has worked within various Vanguard entities since 2010. He holds the Series 63 and Series 65 designations and is based in Scottsdale, AZ. 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 investment approach utilizing proprietary models to create personalized asset allocations, offering a wide range of customization options and managing portfolios primarily with Vanguard funds and ETFs.

Austin Noval is a financial advisor at Equitable Advisors with a Series 66 designation and less than one year of industry experience. Prior to joining Equitable Advisors, he held various roles including positions at the City of Fremont and Under Armour, as well as involvement with Arizona State University and youth sports organizations. Equitable Advisors serves a broad client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset-management programs through its network of Investment Adviser Representatives and third-party asset managers.

Daniel Krieg is a financial advisor at OSAIC with 23 years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Securities Corp and Lincoln Financial Advisors for 23 years. Outside of his advisory career, he has been involved with Oley's Pizza since 1995. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, retirement plan consulting, and access to third-party money managers. The firm employs a variety of tools and platforms to construct diversified portfolios tailored to client needs.

Terri Osness is a Certified Financial Planner (CFP®) with 28 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven, incorporates modern portfolio theory, and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Stephanie Ellsworth is a financial advisor with Mass Mutual Investors Services in Scottsdale, AZ, holding Series 65 and Series 63 licenses with 10 years of industry experience. She has worked with MML Investors Services LLC since 2015 and MassMutual Life Insurance Company since 2010. Ellsworth is also the owner of Commercial Cost Solutions, LLC. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software to analyze client goals and offers a range of planning programs including estate settlement and employer-sponsored planning.

Sherri Reeves is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 66 designations and 17 years of industry experience. She has been with The Vanguard Group since 2016. Vanguard Advisers offers automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary glide-path methodology and the Vanguard Capital Markets Model to construct portfolios primarily from Vanguard funds and ETFs.

Thaxton Peterson is a CFP® with 28 years of industry experience, currently affiliated with Wells Fargo Clearing. He has held positions at Morgan Stanley and its private bank divisions since 2013. In addition to his advisory work, he assists in his wife's retail clothing business. 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 approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Vanessa Kalekwa is a financial advisor at Morgan Stanley with one year of industry experience. She holds a Series 66 designation and has previously worked at Cambridge Investment Research Advisors and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment committee analyses in its financial planning process.

Robert Cartafalsa is a CFP® professional with 13 years of industry experience, currently serving as an advisor at Vanguard Advisers since 2017. He has been with various entities under The Vanguard Group umbrella since 2013. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach that incorporates proprietary models and largely Vanguard funds and ETFs. The firm manages a large client base through its digital platform supported by over 2,200 advisors.

Daniel Horyza is a financial advisor with Morgan Stanley in Scottsdale, AZ, holding a Series 66 designation and 19 years of industry experience. He has been with Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs including tailored financial planning, utilizing structured discovery conversations and firm-approved tools to develop client plans.