David Williams is a financial advisor with RBC Capital Markets in Cave Creek, AZ, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. His prior roles include positions at Merrill, Bank of America, N.A., and City National Bank. Outside of his advisory work, he serves on the advisory board of the Epilepsy Center Foundation of Northwest Ohio and acts as Secretary/Treasurer for the Carefree Foothills Homeowners' Association board of directors. RBC Wealth Management serves a broad client base including individual investors, institutions, and charitable organizations, offering various wrap fee advisory programs tailored to client risk profiles. The firm combines in-house and third-party investment management solutions and provides integrated services such as portfolio management, financial planning, and custody.

Christy Yetka is a financial advisor at Robert W. Baird & Co. with 20 years of industry experience. She holds a Series 66 designation and has worked at Robert W. Baird & Co. since 2018, following prior roles at Wells Fargo Advisors from 2009 to 2018. Christy is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, corporations, and institutional clients. The group offers customized financial planning and portfolio management services, utilizing a range of strategies including traditional and non-traditional investments, as well as discretionary and non-discretionary management approaches.

Allison Sukup is a financial advisor at OSAIC with 11 years of industry experience. She holds a Series 66 designation and has worked with Securities America Advisors and Securities America Inc before joining OSAIC. Outside of her advisory role, she participates as a host and guest on various podcasts discussing art, TV shows, books, and movies. OSAIC serves a broad range of clients, including individual, high-net-worth, pension, corporate, and charitable investors, offering integrated brokerage and advisory services through a large network of affiliated advisers and multiple platforms. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios across various asset classes.

Justin Repp is a financial advisor at Vanguard Advisers with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Morgan Stanley Smith Barney, Merrill, and other firms. Vanguard Advisers provides automated and human-supported investment advice through its Digital Advisor and Personal Advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary methods and primarily Vanguard funds and ETFs.

Naima Khan is a CFP®-certified financial advisor at Vanguard Advisers with four years of industry experience. She has been with Vanguard in various capacities since 2021 and previously worked at Schwan Financial Group for 14 years. Outside of her advisory role, Khan has been involved with Zainy LLC since 2014. 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 with portfolios constructed largely from Vanguard funds and ETFs, supported by a digital platform that serves a large client base through its extensive team of advisors.

Kelsey Ertmer is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and nine years of industry experience. She has worked at Vanguard Advisers since 2019 and has also been affiliated with Vanguard Marketing Corporation and The Vanguard Group since 2017. Her prior experience includes roles at Morgan Stanley, Bonobos, JCPenney, and California State University of Fullerton. Vanguard Advisers offers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach and manages portfolios primarily composed of Vanguard funds and ETFs.

Brian Smith is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 19 years of industry experience. He previously worked at J.P. Morgan Securities for nine years before joining LPL Financial in 2021. Outside of advising, he is also an insurance agent with an exclusive insurance brokerage. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs and financial planning services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Joan Knight is a financial advisor at OSAIC with 26 years of industry experience. She holds Series 63 and Series 65 designations and has worked previously at Sage Point Financial and Lincoln Financial Advisors Corp. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services through multiple platforms and employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct client portfolios.

Matthew Deming is a financial advisor with Vanguard Advisers, holding a Series 66 designation and 16 years of industry experience. His prior roles include positions at J.P. Morgan Chase and Edward Jones. He is based in Scottsdale, AZ. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through a combination of automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach and manages portfolios primarily using Vanguard funds and ETFs, notable for its scale and digital delivery model.

Andrew Heckel is a Wealth Management Advisor and Senior Portfolio Manager with Merrill Lynch Wealth Management. He provides clients with transparent, process-driven guidance and proactive communication at every stage of wealth management, including accumulation, preservation, and distribution. He helps clients pursue their objectives by managing personalized or defined investment strategies, which may incorporate individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies. As a Senior Portfolio Manager, he has the flexibility to construct portfolios on a discretionary basis and offer his strategies to other Merrill advisors' clients. Andrew holds the Certified Private Wealth Advisor (CPWA) designation awarded by the Investments & Wealth Institute in conjunction with The University of Chicago Booth School of Business. He earned a Bachelor of Arts degree in political science with a minor in business management from Clemson University. He is a member of the Clemson Letter Winner's Association and the ASU Sun Devil Wrestling Inner Circle. Andrew is actively involved in his community, serving as a Greco-Roman and freestyle wrestling coach appointed with USA Wrestling. He participates in the Highlands Church Men's Group in Scottsdale, Arizona. Andrew enjoys an active lifestyle including Brazilian Jiu Jitsu, and he resides in Scottsdale with his wife, Anna, and their two children.

Jose Estrada Arroyo is a financial advisor with Vanguard Advisers, holding Series 65 and Series 63 licenses and possessing 11 years of industry experience. He has worked at Vanguard and its affiliates since 2021, following prior roles at firms including New York Life Insurance Co and AE Wealth Management. Vanguard Advisers delivers investment advice through both automated and human-supported platforms, serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach, primarily using Vanguard funds and ETFs, and manages client relationships at scale through digital delivery and a team servicing model.

Preston Friarson is a financial advisor with Charles Schwab holding Series 63 and Series 66 credentials and three years of industry experience. He has worked at Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB since 2022 and 2024, respectively. Prior to entering financial services, he held positions in various industries including food service and logistics. 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 operates a dual-registered broker-dealer and investment adviser model, providing both non-discretionary advice and access to discretionary separately managed accounts under a multi-asset, strategic asset allocation framework.

Fernando Sandoval Luna is a financial advisor at Morgan Stanley with five years of industry experience. He holds Series 63 and Series 66 designations. Before joining Morgan Stanley in 2021, he worked at The Vanguard Group and has prior experience in retail and customer service roles. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs including tailored financial planning that uses firm-approved tools and models to support client decision-making.

Michael Desmarais is a CFA charterholder with 13 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2023. Prior to this role, he has been associated with The Vanguard Group, Inc. and Vanguard Marketing Corporation since 2014. Vanguard Advisers delivers investment advice through a combination of automated and human-supported services to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary methodologies to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Harrison Keyser is a financial advisor with Vanguard Advisers and holds a Series 66 designation. He has one year of industry experience and previously worked at Vinum 55 and Amazon. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach and manages portfolios primarily composed of Vanguard funds and ETFs.

Melissa Bilczewski is a CFP® and Series 63-registered financial advisor with Vanguard Advisers, based in Scottsdale, AZ. She has 19 years of industry experience, including over 7 years at Vanguard Advisers and 20 years with The Vanguard Group and Vanguard Marketing Corporation. In addition to her advisory role, she serves as an agent for her daughter. Vanguard Advisers provides 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 using proprietary methodologies and primarily invests in Vanguard funds and ETFs.

Carl Moritz is a CFP® with 31 years of experience in the financial industry. He has been with Vanguard Advisers since 2017 and is also affiliated with Vanguard Marketing Corporation and The Vanguard Group, Inc., where he has worked since 1996. He is based in Scottsdale, AZ. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to create personalized asset allocations, primarily utilizing Vanguard funds and ETFs, and manages a large client base through a combination of digital platforms and advisory teams.

Catherine Anderson is a financial advisor at OSAIC with 24 years of industry experience. She holds Series 63 and Series 65 credentials and previously worked at Lincoln Financial Advisors, Kohl's, and Nationwide Securities LLC. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services using a range of asset-allocation tools and third-party platforms to construct and manage portfolios across multiple investment types.

Alexzander Garner is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 65 licenses and having 10 years of industry experience. He has worked with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2016 and has been with Vanguard Advisers since 2018. Vanguard Advisers offers both automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach using proprietary models to construct portfolios mainly from Vanguard funds and ETFs, with options for tax-aware and ESG-customized strategies.

Shon Houston is a financial advisor at OSAIC with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at OSAIC since 2024, following eight years at Securities America, Inc. He also serves as a Data Integrity Analyst in an investment-related role. OSAIC Wealth, Inc. serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisers and multiple platforms. The firm employs asset-allocation tools and automated rebalancing to construct portfolios across various asset classes, managing accounts on both discretionary and non-discretionary bases.