Justin Repp is a financial advisor at Vanguard Advisers in Scottsdale, AZ, with 15 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Morgan Stanley Smith Barney, Merrill, Homelight, Transamerica Financial Advisors, and Charles Schwab. He also operates a personal practice, Justin C. Repp PLLC. Vanguard Advisers offers automated and human-supported investment advice through its Digital Advisor and Personal Advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and constructs portfolios mainly from Vanguard funds and ETFs, with tax-aware features and various customization options.

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 been with Vanguard in various capacities since 2017, including roles at Vanguard Advisers, The Vanguard Group, and Vanguard Marketing Corporation. Prior to Vanguard, she worked at Morgan Stanley and has a background that includes Bonobos and California State University of Fullerton. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans by providing automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach, utilizing proprietary models to construct portfolios primarily from Vanguard funds and ETFs, offering scalable digital delivery combined with personalized options.

Brian Smith is a financial advisor with LPL Financial in Scottsdale, AZ, holding Series 63 and Series 66 designations and bringing 20 years of industry experience. His prior roles include positions at J.P. Morgan Securities and Chase Investment Services Corp. In addition to his advisory work, he is also an insurance agent at an exclusive brokerage. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolios, third-party asset management access, and institutional platforms, supported by technology tools for research and operations.

Joan Knight is a financial advisor at OSAIC based in Scottsdale, AZ, holding Series 63 and Series 65 designations with 26 years of industry experience. Her career includes positions at Sage Point Financial, Lincoln Financial Advisors Corp, NRP Financial, Inc., and Osaic FA, Inc. OSAIC Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and portfolio management. The firm emphasizes model-based asset allocation and portfolio optimization, supporting various strategies and third-party manager programs.

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 63 and Series 65 licenses and bringing 11 years of industry experience. His prior roles include positions at NYLIFE Securities LLC, New York Life Insurance Co, Keller Williams, and AE Wealth Management, LLC. He is based in Scottsdale, AZ. Vanguard Advisers offers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with proprietary models and primarily Vanguard funds and ETFs. The firm manages a large client base through digital delivery and a team servicing model.

Preston Friarson is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and four years of industry experience. Prior to joining Schwab, he held various roles outside of finance including positions at Olive Garden and FedEx. 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 large-scale, integrated model combining non-discretionary advisory relationships with access to affiliated discretionary SMA portfolios and alternative investment options.

Fernando Sandoval Luna is a financial advisor with Morgan Stanley in Scottsdale, AZ, holding Series 63 and Series 66 licenses and bringing six years of industry experience. His work history includes roles at Morgan Stanley Smith Barney LLC and The Vanguard Group, Inc., as well as prior experience in retail and customer service positions. Outside of advising, he owns and manages a rental property in Riverbank, CA. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, emphasizing structured financial planning supported by firm-approved tools and models, while managing approximately $2.74 trillion in client assets.

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 licenses and has worked at Lincoln Financial Advisors, Kohl's, and Nationwide Securities LLC prior to joining OSAIC. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based investment approach focused on asset allocation and portfolio optimization supported by risk-tolerance assessments and rebalancing tools.

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 with Osaic Wealth in Scottsdale, AZ, holding Series 63 and Series 66 designations and bringing 16 years of industry experience. He has worked at Securities America, Inc. for eight years and joined Osaic in 2024. Outside his advisory role, he serves as a Data Integrity Analyst for SAA RIA. Osaic Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through various programs such as comprehensive financial planning, managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization, supported by multiple custodial and platform arrangements, and is notable for its scale, complex affiliate network, and private-equity ownership.

Daniel Bott Sr. is a financial advisor with Merrill in Scottsdale, AZ, holding Series 63 and Series 65 credentials and over 50 years of industry experience. He has worked with Bank of America and Merrill since 2009. Outside of his advisory role, he owns New Financial Frontiers LLC, which provides educational materials and software to investment management professionals, and serves as a director for the Academy of Model Aeronautics Foundation, a nonprofit supporting model aviation and youth scholarships. He is also involved in a family drag racing team, Bott Motorsports. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kirby Pettitt is a financial advisor at LPL Financial with Series 65 and Series 63 licenses and one year of industry experience. Prior to joining LPL Financial, he worked at TheBest Claims Solutions and operated his own business. Pettitt is also a business owner of Pvolve, an entrepreneurial venture unrelated to investment activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plans, banks, trust companies, and institutions, offering financial planning, managed portfolio programs, and institutional platforms with a wide range of investment options and research support tools.

Colin Wahl is a financial advisor with Vanguard Advisers in Scottsdale, AZ. He holds Series 63 and Series 66 licenses and has 16 years of industry experience, all with The Vanguard Group. 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 with portfolios primarily composed of Vanguard funds and ETFs, combining digital delivery with personalized service across a wide client base.