Patricia Jenkins is a financial advisor at Raymond James & Associates with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at City National Bank, RBC Capital Markets, Farm Bureau Financial Services, and National Bank of Arizona. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services through a variety of portfolio management styles and affiliated research.

Lauren Bookwalter is a financial advisor at Charles Schwab with one year of industry experience. She holds the Series 66 designation and has been with Charles Schwab & Co., Inc. since 2023. 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 and affiliated managed-account and financial planning services. The firm offers a blend of non-discretionary and discretionary investment management using multi-asset portfolios, with centralized operations that support a high client coverage per advisor.

Thomas Drogaris is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Charles Schwab. His prior roles include positions at UBS Financial Services and Fidelity Investments. Charles Schwab 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 both non-discretionary guidance and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and comprehensive due diligence on alternative investments.

Katelin Kalik is a financial advisor with Cambridge Investment Research Advisors in Phoenix, AZ, holding a Series 66 designation and eight years of industry experience. Her career includes roles at Cambridge Investment Research and Capital Choice Financial Group, as well as independent business activities such as founding the Mesa Machine Knitting Club. Cambridge Investment Research Advisors serves a diverse client base, providing financial planning, investment management, and retirement plan advisory through a network of independent professionals, utilizing a variety of platform arrangements and both proprietary and third-party strategies.

Max Mc Kee is a financial advisor with Raymond James & Associates in Scottsdale, AZ, holding a Series 66 designation and eight years of industry experience. His previous roles include positions at Bank of America and Merrill. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, pension plans, and municipalities—and offers financial planning, investment consulting, and institutional fiduciary services with a range of portfolio management styles and affiliated research resources.

Kari Elle Thalman is a financial advisor with Edward Jones, holding a Series 66 designation and bringing eight years of industry experience. She has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million clients, including individuals, institutions, and charitable organizations. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, and manages approximately $1.01 trillion in assets through a large national network of advisors and offices.

Steven Krane is a financial advisor at Charles Schwab with 25 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Charles Schwab since 2000, including over two decades at Charles Schwab Bank. Charles Schwab & Co., Inc. serves a large client base, 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 advisory relationships and discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Alberto Herrera is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 designations and 18 years of industry experience. He has been with Charles Schwab since 2010. 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 advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and an integrated operational structure.

William Ritman is a CFP® professional with eight years of industry experience. He has been with Edward Jones since 2017 and previously worked at American Express from 2015 to 2017. Outside of his advisory role, Ritman manages a rental property through Airbnb. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a wide range of advisory services, including discretionary and non-discretionary strategies, access to separately managed accounts, and affiliated mutual funds, supported by a large network of over 23,000 financial advisors nationwide.

Steven Perrin is a financial advisor with Charles Schwab & Co., Inc. in Phoenix, AZ, holding a Series 66 designation and seven years of industry experience. He has worked at Charles Schwab since 2018 and previously held roles at Arizona State University, Autonation Honda Chandler, and Fry's Food and Drug Stores. 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 both non-discretionary and discretionary investment options, combining strategic asset allocation with access to alternative investments and integrated custody and brokerage services.

Bryce Johnson is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and two years of industry experience. His work history includes roles at Charles Schwab & Co., Inc., Medulla LLC, and Finishline. 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 advisory relationships and access to discretionary separately managed accounts, supported by comprehensive resources including multi-asset model portfolios and alternative investment offerings.

Russell Dyer is a financial advisor at Morgan Stanley with 17 years of industry experience. He has been with Morgan Stanley since 2009 and currently works at Morgan Stanley Private Bank, National Association. He holds the Series 66 designation and is based in Scottsdale, AZ. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services that incorporate firm-approved tools and models to help clients develop tailored plans.

Andrew Ruboyianes is a financial advisor with UBS Financial Services in Phoenix, AZ, holding a Series 66 designation and 23 years of industry experience. He has been with UBS since 2002. Outside of his advisory role, he serves on the advisory board for Dave Ramsey’s lead referral program and holds board and leadership positions with AHEPA, an organization focused on promoting Greek culture. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Karl Christman is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for The Vanguard Group for 14 years before joining Morgan Stanley in 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured discovery processes and firm-approved tools.

Marco Divito is a financial advisor with Wells Fargo Advisors in Scottsdale, AZ, holding Series 63 and Series 66 licenses with 12 years of industry experience. He has worked at various Wells Fargo entities since 2012 and is involved in ownership and management of two investment-related businesses, Core Wealth Strategies, LLC, and Divito Wealth Management, LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services tailored to clients meeting a net-worth threshold. The firm offers a wide range of planning services and integrates advisory with other financial product sales and referral channels.

Gabriel Benavides is a financial advisor with Edelman Financial Engines in Phoenix, AZ, holding a Series 66 designation and six years of industry experience. His career includes roles at Edelman Financial Engines and Financial Engines Advisors L.L.C., as well as earlier experience with Equitable Advisors and AXA Advisors. Prior to his financial services career, he worked for the California Department of Food and Agriculture. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven proprietary modeling process combined with planner delivery and online tools, offering diversified model portfolios, discretionary and non-discretionary management, and serves approximately 477,000 clients with $326 billion in assets under management.

Daron Mcmillan is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Woodbury Financial Services and Questar Asset Management. Outside of his advisory role, he is involved in providing life insurance solutions focused on wealth preservation and estate planning. OSAIC serves a diverse client base including individual investors, institutions, and charitable organizations through a large network of advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services with a range of portfolio management tools and access to third-party money managers.

Christopher Krueger is a Certified Financial Planner (CFP®) with 24 years of industry experience. He is currently with Charles Schwab, where he has worked since 2022, following prior roles at TD Ameritrade and Scottrade. 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 guidance, utilizing multi-asset model portfolios and a centralized operational structure.

Taylor Pina is a financial advisor with Fidelity Investments holding Series 63 and Series 65 credentials and four years of industry experience. His work history includes roles at Fidelity Investments, The Federal Savings Bank, and The Leona Group, as well as positions related to the University of Arizona. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios and discretionary management, and it serves in advisory roles that are less common among large institutional peers.

Thomas Barger is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and having six years of industry experience. He previously worked at Bank of America and Merrill for ten years before joining Charles Schwab and Charles Schwab Bank in 2021. 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 guidance using multi-asset model portfolios and maintains a centralized operational structure supporting a large client base.