Kevin Mullen is a financial advisor with Merrill, holding a Series 66 designation and 12 years of industry experience. He has been with Merrill and its affiliate Bank of America, N.A. since 2014. Merrill, together with Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, and charitable organizations. The firm combines internal Chief Investment Office teams and third-party managers to implement tailored investment solutions.

Jonathan Pagan is a financial advisor with Morgan Stanley in Gilbert, AZ. He holds Series 63 and Series 66 licenses and has previous experience at Wells Fargo Clearing, Wells Fargo Bank, Massey Services, and four years of service in the U.S. Navy. He has been with Morgan Stanley since 2026. Morgan Stanley Wealth Management is a large SEC-registered adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm provides tailored financial planning services supported by structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Michael Lambard is a financial advisor at Charles Schwab in Phoenix, AZ, with seven years of industry experience. His prior work includes roles at Robinhood Markets, Morgan Stanley, JP Morgan Chase, Quicken Loans, and Discover Financial. Lambard holds Series 63 and Series 66 licenses. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment services supported by an integrated operational structure.

Clint Sanders is a financial advisor at Charles Schwab with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and Charles Schwab Bank since 2007 and 2008, respectively. 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 a combination of non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and alternative investments within an integrated, large-scale operational framework.

Makayla Zubal is a financial professional at Cetera with one year of industry experience. She holds a Series 66 designation and has worked in financial advisory roles since 2025. Prior to her current role, her background includes positions outside the financial sector at institutions such as Arizona State University and Family First Intervention. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform that includes model portfolios, third-party managers, and customized strategies.

David Monheit is a financial advisor at Cetera with over 23 years of industry experience. He holds the PFS™ designation and Series 63 and 66 licenses. Prior to joining Cetera, he worked at Avantax Investment Services and 1st Global Advisors and has maintained a CPA practice since 1992. Monheit serves as Treasurer and board member of the Jewish Genetic Diseases Center of Greater Phoenix and is involved in managing family investments and a restaurant partnership. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual investors, retirement plans, corporate and charitable clients, and institutions. It offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

Matthew Willoughby is a financial advisor at Edward Jones in Tempe, AZ, holding a Series 66 designation with 10 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of advisory programs and investment strategies, supported by a large nationwide network of advisors and branch offices.

Cory Elmore is a financial advisor with Raymond James & Associates, holding a Series 66 designation and eight years of industry experience. He previously worked at John Hancock Advisers, John Hancock Funds, John Hancock, Edward Jones, and Neodent. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals—including high-net-worth clients—institutions, charitable organizations, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a wide range of portfolio management styles and affiliated research.

Joseph Williams is a financial advisor at Merrill with a Series 66 designation and nine years of experience at the firm. His prior work includes education at Glendale Community College and a role as an independent contractor bagger at Luke Air Force Base Commissary. Merrill, together 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.

Andrew Meeks is a financial advisor with Charles Schwab based in Phoenix, AZ, holding a Series 66 designation and five years of industry experience. His prior positions include roles at Renaissance Financial, Minnesota Life Insurance Co, Securian Financial Services Inc, and Grand Canyon University. Charles Schwab & Co., Inc. 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 combines non-discretionary advisory models with access to affiliated discretionary strategies and offers centralized custody and order-routing services to a large client base.

Ian Hair is a financial advisor at J.P. Morgan Securities with a Series 66 designation and approximately one year of industry experience. His prior roles include positions at Silver Tree Wealth Partners and Raymond James, along with experience at JPMorgan Chase Bank and Samford University. He has also worked in client service and administrative support capacities. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, providing investment consulting and advisory services through a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Sean Horton is a financial advisor at Edward Jones with 19 years of industry experience. He has held his current position at Edward Jones since 2009. Horton holds Series 63 and Series 66 licenses. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Ryan Das is a financial advisor at Fidelity with 13 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Merrill from 2013 to 2021 before joining Fidelity. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, utilizing systematic methodologies and oversight controls.

Bryn Heemsoth is a financial advisor with Edward Jones in Tempe, AZ, holding Series 63 and Series 66 licenses with 10 years of industry experience. Prior to joining Edward Jones in 2019, Heemsoth worked at Charles Schwab Bank and Charles Schwab & Co Inc from 2015 to 2019. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets with a nationwide network of more than 23,000 advisors, offering a range of discretionary and non-discretionary investment strategies, affiliated mutual funds, and services including tax-efficient portfolio management under a fiduciary standard.

Matthew Spellman is a CFP®-certified financial advisor with J.P. Morgan Securities in Phoenix, AZ, and has three years of industry experience. He has been with J.P. Morgan Securities LLC and JPMorgan Chase Bank, NA since 2023. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Reggie Alilonu is a CFP® with 13 years of industry experience, currently serving as a financial advisor at Ameriprise in Scottsdale, AZ. His prior roles include positions at Hosler Wealth Management LLC and Allonu Financial Services, LLC, as well as experience in insurance and accounting through HD Vest Insurance Agency and his own CPA practice. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to produce tailored recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Torrie Wulf is a financial advisor at Merrill with six years of industry experience and holds the Series 66 designation. She has worked at Merrill since 2018 and previously spent seven years with Bank of America. Merrill, together 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Blake Jones is a financial advisor at Edelman Financial Engines with a Series 65 credential and four years of industry experience. Before joining Edelman Financial Engines in 2025, he worked at Financial Engines Advisors L.L.C. from 2021 to 2025. Outside of his financial advisory role, he has worked as a delivery driver for Amazon Flex and Uber Eats/Postmates since 2020. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm employs a committee-driven, proprietary modeling process combined with planner delivery and online tools, offering discretionary and non-discretionary investment management with a focus on diversified model portfolios, periodic rebalancing, and a long-term investment approach.

Richard Lavold is a financial advisor with Merrill in Chandler, Arizona, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked at Merrill since 2013 and concurrently at Bank of America, N.A. since 2017. 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 a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

David Altschuler is a financial advisor with LPL Financial in Scottsdale, AZ, holding CFP® and ChFC® designations and over 47 years of industry experience. He previously worked at Cantella & CO., Inc. for 27 years and has managed his own practice since 1980. Outside of advisory work, he is a notary public in the State of New York. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research, model portfolios, and technology-driven strategies.