Kyle Niemtschk is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with various JPMorgan entities since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative screens and qualitative research to build model asset allocations, including the use of ESG eligibility frameworks.

Natalie Rossi is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 66 licenses and nine years of industry experience. She has worked with Vanguard Marketing Corporation and The Vanguard Group since 2017 and was previously associated with CHGS LLC and Beyond Pink Spokane, Inc. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to construct portfolios primarily from Vanguard funds and ETFs, offering a range of customization options and managing client relationships through a digital platform supported by a large advisor team.

Scott Bergan is a financial advisor with Cambridge Investment Research Advisors in Scottsdale, AZ. He holds the ChFC® designation and Series 63 license, with 26 years of industry experience. Prior to joining Cambridge in 2011, he worked at Geneos Wealth Management for five years. Bergan also operates Vineyard Financial Group, an independent insurance agency selling and servicing health and life insurance products. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through thousands of financial professionals. The firm supports discretionary and non-discretionary management, provides access to third-party advisers, and offers proprietary model strategies under the Founders Gate Capital brand.

Michael Draper is a financial advisor at Morgan Stanley with three years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. Draper is also a partner at Strategic Capital Holdings Group LLC. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning services supported by firm-approved tools and investment estimates.

Marko Paravac is a financial advisor at Morgan Stanley with three years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2021. His prior roles include positions at Education At Work and Cetera Investors, as well as experience in education and retail sectors. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides planning services that utilize advanced modeling techniques such as Monte Carlo simulations.

Corbin Krell is a financial advisor with OSAIC, holding Series 65 and Series 66 registrations and over 26 years of industry experience. His career includes previous roles at Woodbury Financial Services and Questar Asset Management, as well as operating Krell Financial Group since 2007. Outside of advising, he is a partner in a cigar bar and is licensed as a real estate salesperson, working as an independent contractor with Axen Realty. OSAIC Wealth serves a diverse client base, including retail and institutional investors, through a multi-advisor platform offering brokerage and advisory services, financial planning, and retirement consulting. The firm employs a model-based investment process with various portfolio management options and is notable for its scale and complex affiliate network.

Roman Gonzalez is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. His prior roles include positions at Merrill, Allstate Insurance, Wells Fargo Clearing, and Southern New Hampshire University. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Personal Advisor services, serving retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and offers a range of portfolio customization options largely centered on Vanguard funds and ETFs.

Clayton Burke is a CFP® with 19 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has been with The Vanguard Group since 2006 and worked specifically as an advisor from 2015 to 2018. Based in Scottsdale, AZ, his career has been primarily focused within Vanguard's affiliated entities. Vanguard Advisers delivers both automated and human-supported investment advice to retail investors and eligible retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach utilizing proprietary methodologies and primarily invests in Vanguard funds and ETFs, managing a large client base through its digital platform and team servicing model.

Brian Warden is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 23 years of industry experience. He previously worked at Wells Fargo Securities, LLC for 12 years before joining his current firm. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Melinda Hernandez is a financial advisor at Merrill with over two years of industry experience. She holds a Series 66 designation and has been with Merrill since 2015, previously working at Bank of America, N.A. Melinda is also involved with Amway, where she participates as a member in buying household products online. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

David Wentland is a CFP® professional affiliated with Cetera, bringing 14 years of industry experience. His career includes roles at Merrill Lynch, Bank of America, and MSH Capital Advisors. He is also the owner of Ribbon Falls Wealth Management, a business that provides full-service wealth management and financial planning. Cetera Investment Advisers LLC serves a broad client base ranging from individuals to institutional accounts, offering a multi-manager platform with various portfolio management options, financial planning, and retirement services through a nationwide network of independent advisors.

Maximilian Kendall is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and two years of industry experience. His prior roles include positions at Equitable Advisors, Ensign Advisory Partners, Cetera Advisor Networks, and Thrivent Financial. Before entering the financial industry, he spent ten years working in education at California Lutheran University, Utah Valley University, and Pinnacle High School. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with a broad range of investment and financial planning services. The firm offers tailored recommendations using proprietary research and planning tools, addressing areas such as retirement, education, risk management, and niche planning needs.

Sandra Kramer is a financial advisor with Ameriprise in Phoenix, AZ, holding a Series 63 designation and 28 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory role, she is involved in a business entity that holds commercial real estate. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement with substantial investable assets, providing tailored recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to deliver non-discretionary, customized advice through a centralized team working alongside financial advisors.

Andrea Fisher is a financial advisor with Vanguard Advisers who holds Series 63 and Series 66 licenses and has 13 years of industry experience. She has been with The Vanguard Group, Inc. since 2013. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to create personalized asset allocations, largely with Vanguard funds and ETFs, and manages a large client base through its digital delivery and team servicing model.

Brian Jacobus is a financial advisor with LPL Financial in Chandler, AZ, holding a Series 66 credential and 25 years of industry experience. His prior roles include positions at PNW Wealth Management, Key Investment Services LLC, RBC Capital Markets, and A. G. Edwards & Sons, Inc. Outside of his advisory work, he is involved in non-investment businesses including mortgage and real estate services and owns two other businesses in Arizona. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutional clients. The firm offers a range of financial planning and investment management solutions implemented through a large network of investment adviser representatives.

Simon Norman is a financial advisor with Morgan Stanley in Tempe, AZ, holding Series 66 and Series 63 credentials and four years of industry experience. Prior to joining Morgan Stanley in 2026, he worked at The Vanguard Group for three years. Morgan Stanley Wealth Management serves individual and institutional clients by providing a comprehensive range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using proprietary tools and market data to develop financial plans but generally does not make individual security recommendations within standalone planning services.

Amanda Farr is a financial advisor at Vanguard Advisers with eight years of industry experience. She holds a Series 66 designation and has worked at multiple entities within the Vanguard organization since 2016. Outside of her advisory role, Farr owns and operates Roughneck Data Services, an engineering consulting business, and Mandy Lea Photography Studio. Vanguard Advisers serves retail investors and eligible participants in employer-sponsored retirement plans through both automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach to constructing portfolios primarily from Vanguard funds and ETFs, supported by a digital delivery platform managing a large client base.

Marvin Gonzalez is a financial advisor at Vanguard Advisers with one year of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining Vanguard, he worked at Shamrock Foods Company, Morgan Stanley, Smith, Barney, LLC, Wells Fargo Bank, NA, and Bimbo Bakeries USA. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans, using a goal-based, algorithm-driven approach that incorporates Vanguard funds and ETFs with various tax-aware features and customization options.

Jeffrey Van Cott is a financial advisor with Edward Jones in Tempe, AZ, holding a Series 66 credential and 18 years of industry experience. He has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of more than 23,700 financial advisors.

Victoria Ortegon is a financial advisor with Wells Fargo Advisors in Gilbert, AZ, holding a Series 63 designation and bringing 37 years of industry experience. She has been with Wells Fargo Advisors since 2024 and previously worked at Wells Fargo Clearing for eight years. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services tailored to clients meeting a net-worth threshold, including specialized areas such as business-owner transition and special-needs analysis.