Randy Azuogu is a CFA charterholder with over 10 years of industry experience. He has worked at Charles Schwab since 2015 and has been with Schwab Wealth Advisory since 2017. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers annual financial reviews and investment recommendations using Schwab’s research tools and standard asset allocation models, with final trading decisions made by clients.

Timothy Hazelton is a CFP® professional with 17 years of industry experience, currently serving as a financial advisor at Principal Financial Services. He previously worked at The Vanguard Group, Inc. for 16 years and owns a retail business selling products on Amazon and eBay. Hazelton also serves as a designated bank officer supporting Principal retirement plan accounts. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individuals, retirement plans, trusts, and business entities. The firm offers financial planning, retirement plan consulting, and access to third-party money manager solutions, with investment implementation typically carried out on a discretionary basis by those managers.

Matthew Nevins is a financial advisor at Mariner with eight years of industry experience. He holds a Series 66 designation and has worked at Mariner Wealth Advisors since 2023. His prior firms include PFG Advisors, SECURITIES AMERICA, inc., and First Financial Equity Corporation. Mariner serves a diverse client base including individuals, high-net-worth households, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and private funds. The firm offers investment management, financial planning, retirement plan consulting, and coordinated tax services, implementing discretionary, customized portfolios supported by internal research and third-party managers.

Philip Walden is a financial advisor with Eagle Strategies (New York Life) based in Scottsdale, AZ. He holds Series 63 and Series 65 licenses and has 44 years of industry experience. His career includes long-term roles at New York Life Insurance Company since 1967 and Nylife Securities Inc. since 1975. Additionally, he is involved in brokering non-registered insurance products for outside insurance carriers. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm offers tailored solutions across various program types and manages a majority of its assets on a non-discretionary basis.

Ashley Monteverde is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. She has been with Charles Schwab since 2013 and has worked at Schwab Wealth Advisory since 2020. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement and planning discussions, and investment recommendations utilizing Schwab’s research tools and asset allocation models. The firm operates within the Schwab ecosystem and does not directly charge clients fees, distinguishing its approach from many other enterprise wealth managers.

Andrew Kissinger is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. He has been with Schwab Wealth Advisory since 2020 and has worked at Charles Schwab & Co., Inc. since 2017. Prior to that, he spent three years at Carvana. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations based on Schwab’s asset allocation models and research tools, with final trading decisions made by clients.

Raymond Round is a CFP® with 33 years of industry experience, currently serving at D.A. Davidson & Co. since 1995. He is based in Scottsdale, AZ. Outside of his advisory role, he is president of The Loyola Sideliners, a nonprofit organization in Missoula, MT. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including retirement plans, individuals, charitable organizations, and corporate clients. The firm offers a range of services from retirement plan advisory to comprehensive financial planning and operates under the Advisers Act fiduciary standard.

John Escamilla is a CFP® with one year of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior experience includes roles at Merrill and Bank of America. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses standard asset allocation models and Schwab research tools to recommend investments, with final trading decisions made by clients, and conducts at least annual account reviews.

Jeffrey Richardson is a financial advisor at Empower Advisory Group with 14 years of industry experience. He holds Series 65, Series 66, and Series 63 licenses. His prior experience includes roles at Personal Capital Advisors Corporation and Morgan Stanley Private Bank. 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 retail brokerage clients. The firm’s services use an integrated model tied to Empower’s recordkeeping and administrative platforms and emphasize long-term portfolio returns and client savings rates through proprietary and third-party methodologies.

Jamie Moultane is a financial advisor at Empower Advisory Group with 17 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Merrill for 15 years before joining Empower in 2025. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm’s integrated model ties financial planning and managed account solutions to Empower’s recordkeeping and administrative platforms.

Samuel Udall is an investment advisor with Kestra Advisory Services, LLC, holding Series 63 and Series 65 licenses and two years of industry experience. He has worked with Commonwealth Financial Network and owns Udall Financial, LLC. Outside of his advisory role, he is involved in managing insurance business activities alongside a family member. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a wide range of institutional and individual clients. The firm offers services including fiduciary consulting, plan design, and due diligence-supported investment advice, serving clients such as large institutional investors and sovereign wealth funds.

Susan Bishara is a Series 66-licensed financial advisor with Schwab Wealth Advisory in Phoenix, Arizona. She has 16 years of industry experience, including roles at HSBC Bank USA and HSBC Securities prior to joining Schwab in 2020. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program. The firm delivers personalized investment recommendations and financial planning using Schwab’s asset allocation models and research tools, conducting annual reviews without discretionary trading authority.

Bradley Kutler is a CFP® professional with five years of industry experience, currently working at Focus Partners Wealth, LLC. His prior roles include positions at Stoker Ostler, The Vanguard Group, Edward Jones, Capco, and Cognizant Technology Solutions. Outside of his advisory career, he tutors CFP and securities exam content on the Varsity Tutors platform as an independent contractor. Focus Partners Wealth serves a diverse client base including individuals, high-net-worth clients, family offices, and institutions, offering investment management and comprehensive wealth services. The firm employs a long-term, tax- and fee-sensitive investment approach using enhanced open architecture, integrating fundamental and quantitative analysis alongside third-party managers when appropriate.

Denise Lilien is a financial advisor at Mariner with two years of industry experience. She holds Series 63 and Series 66 licenses. Prior to joining Mariner, she worked at MSEC, LLC, Apple Inc., and Charles Schwab. Mariner serves a diverse client base including individuals, pension plans, trusts, estates, charitable organizations, corporations, and private funds through investment management, financial planning, and retirement plan consulting. The firm combines in-house research with third-party managers and offers integrated tax and accounting services alongside traditional portfolio management.

Tanner Grech is a CFP® with seven years of industry experience, currently affiliated with Schwab Wealth Advisory. He has worked at Charles Schwab since 2018 and held roles at Metro Inspections, LLC and Northwest Trustee Services earlier in his career. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, focusing on annual financial reviews, retirement planning, and investment recommendations guided by Schwab’s proprietary research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice without discretionary trading authority and serving primarily individual clients rather than institutional investors.

Darin Hood is a financial advisor with Principal Financial Services in Phoenix, AZ, holding a Series 66 designation and eight years of industry experience. Prior to joining Principal Securities Inc and Principal Life Insurance Company in 2018, he worked at Dignity Health and the City of Phoenix. Outside of his advisory role, he is an instructor for Arizona Defensive Firearms Training, a business focused on firearm education run by current and former law enforcement. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty military personnel. The firm offers financial planning, retirement plan consulting, and access to third-party money manager programs under various advisory and promoter arrangements.

Nathan Hesman is a financial advisor with Schwab Wealth Advisory based in Phoenix, AZ. He holds Series 63 and Series 66 credentials and has 15 years of industry experience. Prior to joining Schwab Wealth Advisory in 2024, he worked at Charles Schwab Bank from 2012 to 2023. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s proprietary research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, with clients retaining final trading decisions and discretionary management typically handled by affiliated or third-party managers.

Jeffrey Kluve is a CFP® professional affiliated with Commonwealth Financial Network in Phoenix, AZ, with 25 years of industry experience. His prior roles include positions at FireSky Financial Inc and Prudential Insurance Company of America. He is also the owner of JKFP LLC, a private entity facilitating securities, advisory, and insurance business. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing roughly $212.7 billion in client assets. The firm provides a comprehensive adviser-support platform that includes managed-account programs, access to third-party asset managers, and custody/clearing services.

Nicole Meehan is a financial advisor with Lincoln Investment in Phoenix, AZ, holding a Series 66 designation and 12 years of industry experience. She has worked at Lincoln Investment since 2017 and previously held roles at Legend Advisory Corporation and Legend Equities Corporation. In addition to her advisory work, she provides business consulting services focused on operations and recruiting for non-investment related firms. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a particular emphasis on educators and 403(b)/457(b) participants. The firm offers a range of financial planning and retirement plan services, managing a blend of in-house and third-party investment strategies using both strategic and tactical approaches.

Tovin Mcgovern is a CFP® with 14 years of industry experience, currently serving at Creative Planning since 2022. His prior experience includes roles at Hatton Consulting, Inc., and various positions at J.P. Morgan Securities and JP Morgan Chase Bank from 2009 to 2020. Creative Planning provides 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 process focused on low-cost indexing and buy-and-hold strategies, supported by a large advisory team and integrated non-investment services such as estate law and trust companies.