Renee Rael is a financial advisor at United Planners' Financial Services of America, holding Series 63 and Series 66 licenses with 30 years of industry experience. She has worked with United Planners since 1999, including her current role at United Planners Financial Services since 2022, and previously worked at First Financial Equity Corporation. Outside of her advisory work, she serves as a trustee for the Mercedes G Weaver Living Trust. United Planners Financial Services serves a diverse client base, including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm operates an open-architecture platform with multiple custodians and third-party money managers, offering a range of advisory and brokerage services through its network of independent investment advisor representatives.

Michael Toth is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. He has worked at Charles Schwab and its affiliated entities since 2019, and prior to that held various advisory roles at USAA from 2011 to 2019. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm’s approach utilizes Charles Schwab & Co.’s asset-allocation models and internal research, offering tailored recommendations without exercising discretionary trading authority.

Anne Schwab is a CFP® professional with 22 years of industry experience, currently serving at Schwab Wealth Advisory, Inc. She has held positions at multiple firms including Charles Schwab & Co., Asset Preservation Wealth & Tax, and Berger Financial Group. Outside of her advisory work, she is an author and receives royalties from her book *Money Matters Made Simple* published in 2015, and has written fictional novels and screenplays. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm utilizes asset-allocation models and internal research tools to offer tailored investment recommendations while maintaining a structure that does not exercise discretionary trading authority.

Ann Stojanovic is a financial advisor at Schwab Wealth Advisory with 7 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Charles Schwab since 2015, including her current role at Schwab Wealth Advisory since 2020. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on Charles Schwab’s proprietary asset-allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Jameson Van Houten is a Certified Financial Planner (CFP®) with 24 years of industry experience. He is currently with Beacon Pointe Advisors, LLC, where he has worked since 2021. His prior experience includes roles at Crown Capital Securities, LP and Stonegate Financial Group. Beacon Pointe Advisors, LLC provides wealth advisory, financial planning, retirement-plan platform services, and outsourced chief investment officer services to a diverse client base that includes individual investors, corporations, pension plans, and institutional clients. The firm combines asset-allocation modeling with third-party independent managers and offers both active and passive strategies across public and private asset classes.

Grace Gaabucayan is a CFP® professional with three years of experience in the financial services industry. She is currently with Schwab Wealth Advisory in Phoenix, AZ, having previously worked at Northern Trust, First Western Financial, and Versant Capital Management. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in its Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on asset-allocation models and internal research tools, with trades executed only upon client authorization.

James Cooney is a financial advisor at Focus Partners Wealth, LLC with seven years of industry experience. He holds the Series 63 and Series 65 designations. His prior roles include positions at The Colony Group, HoyleCohen, Stellar Capital Management, Empirical Wealth Management, and Grand Canyon University. Focus Partners serves individuals, high-net-worth families, family offices, corporate, and institutional clients with a range of wealth management and advisory services. The firm’s investment approach combines active and passive strategies within an enhanced open architecture framework and incorporates fundamental and quantitative analysis alongside specialized tools such as trend-following and options overlay strategies.

Nikolaos Stathopoulos is a CFP® professional with nine years of industry experience, currently serving at Schwab Wealth Advisory, Inc. since 2022. His prior roles include five years at The Vanguard Group and earlier experience as a self-employed advisor and with Randstad. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach incorporates standard asset-allocation models and internal research tools, with personalized recommendations based on individual goals and risk tolerance.

Colin Maurer is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ. He holds Series 66 and Series 65 designations and has one year of industry experience. His prior work experience includes roles at Charles Schwab & Co., Inc., as well as ventures in car detailing and pest solutions. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab–referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on Schwab’s asset-allocation models and internal research, with reviews tailored to clients’ goals and risk tolerance.

Andrew Johnson is a financial advisor at Empower Advisory Group with one year of industry experience. He holds Series 66 and Series 63 credentials and has previously worked at Trajan Wealth, loandepot, and American Income Life Insurance. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and certain retail brokerage clients. The firm’s approach involves integrated services tied to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing.

Benjamin Aeschliman is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 designations and 15 years of industry experience. He has worked with Charles Schwab & Co., Inc. since 2011 and Charles Schwab Bank since 2014. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily for clients enrolled in the Schwab Wealth Advisory program, using standardized asset-allocation models and internal research tools. The firm delivers tailored recommendations through at-least-annual reviews and typically utilizes separately managed accounts managed by third-party or affiliated managers.

Randy Morse is a CFP® professional with over 32 years of experience in the financial services industry. He has worked at Creative Planning since 2018 and previously spent 22 years at Fidelity Brokerage Services, Inc. and Fidelity Personal Trust. Outside of his advisory role, he is a landlord of rental properties in Mesa, AZ, and Aliso Viejo, CA. Creative Planning provides comprehensive 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 approach with an emphasis on low-cost indexing and buy-and-hold strategies, supported by a range of supplemental investment options and integrated retirement plan services.

Dustin Giannangelo is a financial advisor with Kestra Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and 19 years of industry experience. Prior to joining Kestra Advisory and Kestra Investment Services in 2017, he worked at LPL Financial for three years. He is also the owner and CEO of NeutrinoIQ, a financial software company focused on product vision and leadership. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, including plan sponsors. The firm offers a range of services such as fiduciary consulting, plan design, investment advice, and employee education, serving large investors with approximately $79.8 billion in assets under management and maintaining extensive third-party and affiliate relationships.

Jonathan Crosby is a CFP® with eight years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior roles include positions at Charles Schwab, Protective Life Corporation, Private Client Services, RFG Advisory, Regions Bank, and BBVA Securities Inc. He is based in Phoenix, AZ. Schwab Wealth Advisory provides fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm’s advice is guided by Schwab’s asset-allocation models and internal research, offering recommendations tailored to individual goals and risk tolerance without exercising discretionary trading authority.

Daniel Skellan is a financial advisor at Eagle Strategies (NY Life) in Mesa, AZ, with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked with Eagle Strategies LLC since 2024, NYLIFE Securities LLC since 2017, and New York Life Insurance Company since 2016. Outside of his advisory role, he serves as a board member for Four Peaks Little League, where he is involved in coaching and organizing youth baseball activities. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to a diverse range of individual and institutional clients. The firm emphasizes tailored advice across multiple program types and distinguishes itself by managing the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Zachary Green is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and one year of industry experience. Prior to joining Schwab, he worked at Arizona Tile and Stone Specialists and Sun West Builders. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on standard asset-allocation models and internal research tools.

Aaron Albers is a financial advisor at Commonwealth Financial Network with two years of industry experience. He holds a Series 66 designation and previously served in the United States Marine Corps from 2020 to 2024. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors and manages about $212.7 billion in client assets. The firm provides a comprehensive adviser-support platform, including managed-account programs, access to third-party asset managers, and custody services.

Nina Anoya is a Financial Consultant I with nearly a decade of experience in wealth planning. She has spent over five years advising high-net-worth clients, focusing on building trusted relationships and providing personalized financial strategies. Her professional experience includes roles at Fisher Investments, where she served as a Wealth Advisor from 2020 to 2025, Client Operations Group Manager from 2017 to 2020, and Client Service Associate from 2016 to 2017.

Garrett Benham is a Series 66 credentialed financial advisor with Schwab Wealth Advisory in Phoenix, AZ. He has one year of industry experience, including roles at Charles Schwab & Co., Inc. Prior to his advisory career, he held various positions in marketing and the fitness industry. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on standardized asset allocation models and tailored recommendations.

Cyrus Baravati is a CFP® professional with 13 years of industry experience, currently with Concurrent Investment Advisors, LLC and The Wealth Stewards. His prior experience includes roles at Charles Schwab and Schwab Private Client Investment Advisory, Inc. Cyrus operates The Wealth Stewards as a wealth strategist. Concurrent Investment Advisors, LLC is an SEC-registered, multi-team advisory firm serving individuals, families, trusts, businesses, and retirement plans. The firm emphasizes customized, primarily long-term portfolios using ETFs, mutual funds, and other investment vehicles, supported by a broad network of advisors and integrated operational tools.