Andrew Battles is a financial advisor with Schwab Wealth Advisory and holds Series 63 and Series 66 licenses. He has 26 years of industry experience, including 14 years at Schwab Wealth Advisory and a total of 26 years at Charles Schwab & Co., Inc. Outside of his advisory role, he is involved as a landlord in real estate activities. 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 guided by Charles Schwab & Co.’s asset-allocation models and internal research tools. The firm does not exercise discretionary trading authority and typically recommends separately managed accounts overseen by third-party or affiliated money managers.

Daniel Baron is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His career includes roles at Charles Schwab & Co., Inc. since 2010, Schwab Private Client Investment Advisory, USAA Financial Planning Services, and other firms. Outside of his professional work, he participates in a recreational shooting organization, assisting with match set-up and tear-down. 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, with investment recommendations based on Schwab’s asset-allocation models and internal research tools.

Jacob Richey is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab since 2015. Schwab Wealth Advisory 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 uses standardized asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance, without exercising discretionary trading authority.

Robert Pier is a financial advisor with Hightower Advisors in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. His prior roles include positions at Success Property Brokers, Your Castle Real Estate, Advisor Group Inc, and United Planners Financial Services. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals, institutions, and charitable organizations. The firm’s approach focuses on manager selection and multi-manager solutions, utilizing both affiliated and third-party managers alongside proprietary research and a wide range of investment vehicles.

George Klima is a ChFC® credentialed advisor with 44 years of industry experience, currently with Guardian Life in Scottsdale, AZ. He has been associated with Guardian Life and its affiliated entities since 2014 and also has experience with Park Avenue Securities since 2024. Outside of his advisory role, Klima is involved in the restaurant industry as an investor and partner in several businesses, including Nova Restaurant Group and Tavern 4 & 5 LLC. He works at Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, which provides brokerage and investment advisory services to individuals, retirement plan sponsors, and charitable organizations. The firm offers tailored client solutions through advisor-led discretionary management, model-based strategies, and integrated financial planning services.

Emily Stroud is a CFP®-certified financial advisor with eight years of industry experience, currently with Schwab Wealth Advisory in Phoenix, AZ. Her prior experience includes roles at Vanguard Advisers, Inc., The Vanguard Group, Inc., Fidelity Investments, and Goldman Sachs. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients. The firm utilizes Charles Schwab & Co.’s asset allocation models and research tools, offering tailored recommendations with annual reviews while relying on client authorization for trade execution.

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.

Simon Moran is a Series 65-licensed financial advisor at Mariner with two years of industry experience. He previously worked at Ultra Financial Partners and Vora Wealth Management, among other firms. Moran is also the owner of Dark Knight Capital, LLC, a single-member LLC for personally funded investments. Mariner serves a diverse client base including individuals, pension plans, trusts, and corporations, offering investment management, financial planning, and retirement consulting. The firm employs discretionary, customized portfolios supported by internal and third-party management, and features integrated tax, accounting, and family office services alongside traditional portfolio management.

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.

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.

John Thomas is a CFP® professional with two years of industry experience, currently serving as a financial advisor at Beacon Pointe Advisors, LLC. Prior to joining Beacon Pointe, he worked at Silvercrest Asset Management Group. In addition to his advisory role, he is also an insurance agent with Beacon Pointe Insurance Services, LLC. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse client base, including individuals, institutions, and charitable organizations. The firm employs a manager-of-managers approach using both active and passive strategies, supported by a formal due-diligence process and proprietary investment vehicles.

James Pupillo Jr. is a financial advisor at NewEdge Advisors with 39 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Intelligence Driven Advisers, LLC, LDIntelligence LLC, and Hightower Advisors. He serves as a board member for the nonprofit Help in Healing Home in Phoenix, Arizona. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations through a network of independent representatives. The firm offers a range of portfolio management and consulting services and employs multiple program structures combining manager selection with third-party models and advisor discretion.

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.

Drake Qualls is a CFP®-certified financial advisor with 11 years of industry experience. He currently works at Focus Partners Wealth, LLC and has previously held roles at The Colony Group, InterOcean Capital Group, M. S. Howells, Independent Financial Group, Henry, Horne Wealth Management, and CliftonLarsonAllen Wealth Advisors. His credentials include Series 63 and Series 65 licenses. Focus Partners Wealth, LLC serves individuals, high-net-worth families, family offices, corporate and institutional clients with a range of wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach using a combination of active and passive strategies, third-party managers, and private funds under an enhanced open architecture framework.

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.