Phillip Vetter is a financial advisor at Ameritas Advisory Services, LLC with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with firms including Ameritas Life Insurance Company and Arizona Advisors LLC, where he is an owner and managing partner. Vetter is also licensed as an independent insurance agent to sell fixed insurance products. Ameritas Advisory Services, LLC provides investment advisory and planning services to individuals, high-net-worth clients, retirement plans, charitable organizations, and businesses. The firm utilizes a variety of investment solutions including model portfolios, mutual funds, ETFs, and individual securities across multiple program platforms.

Nemanja Miljkovic is a financial advisor with Guardian Life and holds Series 63 and Series 66 designations. He has 13 years of industry experience and has worked with firms including Park Avenue Securities, Allstate Insurance, Bank of America, Merrill, and Morgan Stanley Smith Barney. Based in Scottsdale, AZ, Miljkovic is also engaged in insurance activities outside of Guardian Life. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and advisory services to individuals, corporate and retirement plan sponsors, charities, and businesses. The firm offers a combination of advisor-led discretionary management and model-based strategies, with access to proprietary programs, third-party advisory solutions, and integrated lending options.

Christopher Thomas is a financial advisor at AE Wealth Management, LLC with one year of industry experience. He holds a Series 65 designation and has worked previously at Dare To Retire U and Hybrid Retirement Solutions LLC DBA Oxford Retirement & Estate Planning. Outside of advisory roles, he teaches classes through Dare To Retire U. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a platform-centered approach with model portfolio solutions, discretionary asset management, financial planning, and plan services, supporting a high client load per advisor and a complex affiliate structure.

Abe Bochner is a financial advisor with UNITED PLANNERS' FINANCIAL SERVICES of AMERICA, holding the CFP® designation and Series 63 and 65 licenses. He has 37 years of industry experience and has worked as an independent insurance agent and with United Planners since 1999. Bochner owns a non-variable insurance business in Phoenix, AZ. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm offers financial planning, portfolio management, retirement plan services, and brokerage solutions through a network of 477 independent advisors on an open-architecture platform.

Ryan Garrison is a financial advisor with United Planners' Financial Services of America, holding a Series 66 designation and 14 years of industry experience. His career includes roles at multiple settlement-focused firms, including Garrison Settlements and Mass Tort Settlement Group, where he has been involved since 2015 and 2017 respectively. He serves as a board member of the Society of Settlement Planners, a national trade association related to structured settlement planning. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base with advisory and brokerage services, managing approximately $12.77 billion in assets through a combination of custodians, third-party money managers, and platform programs. The firm operates largely on a non-discretionary basis and is known for its limited-partnership ownership structure and support for advisor transitions.

Kathleen Cashatt is a CFP® professional with 24 years of experience in the financial services industry. She currently works at Schwab Wealth Advisory, Inc. and has held prior roles at Charles Schwab & Co., Schwab Private Client Investment Advisory, USAA Financial Planning Services, and Merrill. 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 & Co.-referred clients, using asset-allocation models and internal research tools to tailor recommendations to clients’ goals and risk tolerance.

Andrew Cocchia is a CFP® professional with 22 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. He previously worked at THE Vanguard Group, Inc. for 18 years before joining Schwab in 2022. He holds Series 63 and Series 66 licenses and is based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program. The firm utilizes Charles Schwab’s asset-allocation models and internal research tools to deliver personalized guidance on investment selection and wealth management, with trades executed only upon client authorization.

Michael Kneip is a financial advisor with United Planners Financial Services of America, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. His prior roles include positions at Allstate Insurance Company and Allstate Distributors LLC. He also maintains a life insurance license in Buckeye, Arizona. United Planners Financial Services serves a diverse client base, including individuals, corporations, charitable organizations, and institutional clients such as sovereign wealth funds. The firm offers financial planning, portfolio management, retirement plan services, and brokerage solutions through an open-architecture platform that supports both fee-based and commission-based options.

Jesus Soto is a financial advisor with United Planners Financial Services of America, holding a Series 66 designation and over 27 years of industry experience. His prior firms include Cambridge Investment Research Advisors, Silverstone Private Wealth LLC, and Retirement Consultants. In addition to his advisory work, he is an independent insurance agent through De Soto & Company. United Planners Financial Services is a national wealth-management enterprise serving a broad client base with advisory and brokerage services. The firm’s structure as a limited partnership includes approximately 364 advisors managing about $12.77 billion in assets, primarily on a non-discretionary basis.

John Nanni is a CFP®-certified financial advisor with 28 years of industry experience, currently affiliated with J.W. Cole Advisors, Inc. since 2010. He has also been involved in motivational speaking through Rippleinc.com since 2003 and works as a life and health insurance broker. Additionally, he serves as a substitute teacher in the public school system and owns a home remodeling company. J.W. Cole Advisors operates a large network of independent advisors providing fee-based portfolio management, financial planning, retirement plan services, and access to multiple investment platforms for individuals, high-net-worth clients, and institutions. The firm offers both discretionary and non-discretionary account management using a mix of fundamental and technical analysis as well as model and manager-based strategies.

Rune Nordhagen is a financial advisor at Schwab Wealth Advisory with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Charles Schwab & Co., Inc. since 2007, with previous experience at Guardian Life. Outside of finance, he has business experience in operating laundromats. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s approach includes guidance on asset allocation and investment selection based on proprietary models and research, with client authorization required for all trades.

Timothy Kee is a CFP® professional with 28 years of industry experience, currently serving at Schwab Wealth Advisory. He has a longstanding career with Charles Schwab, including roles at Schwab Private Client Investment Advisory and Schwab Wealth Advisory. Based in Phoenix, AZ, Kee holds Series 63 and Series 65 licenses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and select referrals, utilizing Charles Schwab & Co.’s asset-allocation models and internal research tools. The firm focuses on tailored recommendations with at-least-annual reviews and emphasizes client authorization for all trades.

Hillary Bouthillier is a financial advisor at OSAIC Institutions, Inc. with 14 years of industry experience. She holds Series 63 and Series 65 credentials and has previously worked at Ameriprise Financial Services, Inc. and Finemark Bank. OSAIC Institutions, Inc. serves individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating with a hybrid adviser/broker-dealer structure and a model that delegates investment management to its representatives while maintaining firm supervision.

Kevin Gotwalt is a financial advisor with Guardian Life and Park Avenue Securities, holding a Series 66 designation and 20 years of industry experience. His career includes longstanding roles at both Park Avenue Securities and Guardian Life Insurance Company since 2006. Outside of his advisory work, he provides insurance services including health, life, disability, annuities, and long-term care insurance to clients. Park Avenue Securities, a subsidiary of The Guardian Life Insurance Company of America, offers brokerage and advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm provides tailored client solutions combining advisor-led discretionary management and model-based strategies, access to proprietary and third-party programs, and a range of financial planning and consulting services.

Karlie Achenbach is a financial advisor at Beacon Pointe Advisors, LLC with one year of industry experience. She holds a Series 65 designation and has prior work experience outside finance, including roles in education and hospitality. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse range of individual and institutional clients, employing a manager-focused investment approach with both active and passive strategies.

Michael Rautiola is a CFP®-certified financial advisor with 25 years of industry experience. He is currently with Carson Wealth and has previously worked at firms including RLW Financial Advisors, Cetera Wealth Services, and Sammons Securities. Outside of advisory roles, he co-founded a fixed insurance business providing life, health, disability, annuities, and long-term care insurance solutions. Carson Wealth is an SEC-registered investment adviser operating an enterprise platform with over 650 advisors and approximately $50.6 billion in assets under management. The firm offers discretionary asset management, financial planning, retirement plan services, and utilizes an Investment Committee to construct and monitor model portfolios, integrating multiple custodial and technology platforms to support execution and reporting.

Thomas O'Brien is a financial advisor with TLG Advisors, Inc. based in Scottsdale, AZ. He holds Series 63 and Series 65 designations and has 25 years of industry experience. His prior roles include positions at Kestra Investment Services, WealthPoint LLC, OneAmerica Securities, and Polaris Insurance Advisors LLC, where he is involved in business development and operations management. TLG Advisors, Inc. serves a diverse client base including individuals, high-net-worth clients, trusts, charitable organizations, corporations, and institutional investors. The firm provides investment supervisory services, portfolio management, and comprehensive financial planning, employing a manager selection process grounded in fundamental analysis and Modern Portfolio Theory.

Bryon Decker is a financial advisor with Osaic Advisory Services, LLC, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. His prior experience includes a decade at Arbor Point Advisors and two decades at Securities America Advisors, Inc. He is also involved with the Millard Athletic Association. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving a diverse client base that includes individuals, pension and profit-sharing plans, corporations, trusts, charitable organizations, and governmental entities. The firm provides investment management, financial planning, retirement plan consulting, and other related services through multiple program models and utilizes a combination of proprietary and third-party platforms for portfolio management.

Johnnie Harris is a financial advisor at Schwab Wealth Advisory with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Schwab Wealth Advisory and Charles Schwab since 2021. His prior experience includes roles at Financial Engines Advisors L.L.C., Sagepoint Financial, Inc., and Advisor Group in Arizona. Outside of advising, he is a part owner of Robinson Airport Shuttle, a transportation business. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice utilizes Schwab’s proprietary asset-allocation models and research tools, delivering tailored recommendations without exercising discretionary trading authority.

Thomas Ellis is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 credentials and ten years of industry experience. His prior work includes roles at Transamerica Investors Securities, Transamerica Life Insurance Company, and several technology firms such as Uber, Lyft, and Postmates. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through various managed advice programs, utilizing proprietary software and model portfolios from Morningstar Investment Management to guide asset allocation, contribution rates, and retirement age decisions.