Roy Chavez Guerra is a financial advisor at Charles Schwab with 26 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab since 2000, including a concurrent role at Charles Schwab Bank, SSB since 2008. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of advisory, brokerage, custody, and cash-sweep services. The firm provides both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and due diligence on alternative investments.

Jesus Ramirez is a financial advisor at Equitable Advisors with six years of industry experience. He holds a Series 66 credential and previously worked at Healthier Money and in the restaurant industry before joining Equitable Advisors. His outside business activities include involvement in fixed insurance. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and nonprofit organizations, offering financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives. The firm uses a range of proprietary and third-party advisory programs, covering mutual funds, ETFs, separately managed accounts, and select alternative investments.

James Seratt is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 designations and six years of industry experience. Before joining Vanguard in 2019, he worked at Edward Jones for two years. In addition to his advisory role, he assists with administrative tasks at Serco Contracting Incorporated, a construction business, and at Covenant International Church. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with personalized asset allocations primarily constructed from Vanguard funds and ETFs, supported by a large advisor team serving hundreds of thousands of clients.

Alexander Lu is a Senior Financial Advisor with Merrill Lynch Wealth Management, a position he has held since 2015. He works collaboratively with a team that collectively brings over 65 years of industry experience. His professional focus is on understanding the priorities of high-net-worth individuals and families to provide customized financial strategies tailored to their needs. \n\nAlex earned a Bachelor's degree in Economics from the University of Michigan - Ann Arbor and serves on the board of the University of Michigan alumni association in Phoenix. He holds FINRA Series 7 and 66 registrations and is fluent in both English and Mandarin Chinese. His advisory services leverage the investment insights of Merrill Lynch Wealth Management combined with the banking services of Bank of America, addressing areas such as asset allocation, education funding, retirement income planning, tax minimization strategies, and estate planning. Alex works closely with team members Steve Gillan, Whitney Fry, and Erica Chavez to serve clients' financial needs.\n\nOutside of his professional role, Alex lives in Phoenix with his family. He values spending quality time with his wife, son, and their dog. Active in his community, he serves on the alumni association board and enjoys recreational activities including basketball, camping, and hiking.

Matthew Donko is a financial advisor at Wells Fargo Clearing with two years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, UBS Financial Services, and Genter Capital Management. Outside of finance, his work history includes roles in retail and food service industries. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers brokerage and advisory solutions supported by research and analytics.

Dahr Dietrich is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 licenses and 18 years of industry experience. He has been with Vanguard in various capacities since 2008, including his current role at Vanguard Advisers since 2017. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach to portfolio construction, utilizing proprietary models and a wide range of Vanguard funds and ETFs.

Thomas Dohogne is a Series 66 credentialed financial advisor at Vanguard Advisers with six years of industry experience. He has worked at The Vanguard Group, Inc. since 2021 and previously held positions at AXA/Equitable Advisors, Velocity Retail Group, Grand Canyon University, Culinary Dropout, and Creighton University. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, offering personalized, goal-based portfolios constructed primarily from Vanguard funds and ETFs. The firm combines proprietary algorithm-driven methodologies with a high client-to-advisor ratio enabled by its digital platform and team servicing model.

William Asher is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and 20 years of industry experience. He has worked at Vanguard Advisers, Vanguard Marketing Corporation, and The Vanguard Group since 2022, following two years at Wiegand Financial Group. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach with proprietary models to create personalized portfolios composed mostly of Vanguard funds and ETFs.

Jeffrey Kramer is a financial advisor at Stifel with 45 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Stifel Nicolaus & Co Inc since 2016. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach incorporates a proprietary methodology by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling for asset allocation and planning analyses.

Thomas Wiegand is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities since 2016. His prior experience includes roles at Capital Client Group, Inc. and Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with forward-looking capital market assumptions to build model portfolios, offering access to a range of eligible strategies and ESG considerations.

Cathleen Bielawski is a financial advisor with OSAIC, holding Series 63 and Series 66 credentials and 27 years of industry experience. Her prior work includes over three decades at Signator Investors, Inc. and John Hancock Mutual Life Insurance Company, and she has been with Royal Alliance Associates, Inc. since 2018. OSAIC serves a diverse client base including individual investors, retirement plans, charities, and corporate clients, providing both brokerage and advisory services through a multi-advisor platform. The firm’s investment approach focuses on model-based asset allocation and portfolio optimization supported by risk tolerance and rebalancing tools, with options for discretionary management and third-party managers.

Teena Milldebrandt is a financial advisor with Cetera, holding a Series 66 designation and 24 years of industry experience. She has been with Cetera and its affiliates since 2014. Outside of her advisory work, she is involved in selling fixed insurance products and facilitates self-help seminars focused on life balancing topics. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party managers and investment strategies.

Wayne Kandas is a CFP® professional with 37 years of experience, currently advising at Ameriprise Financial Services, LLC since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2016 to 2020. Outside of his advisory role, he has interests including real estate ownership in Mexico. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice, focusing on dependable income sources and tax-aware withdrawal strategies.

Mariano Munguia Garcia is a financial advisor at Raymond James Financial with two years of industry experience. He holds a Series 66 designation and previously worked at firms including Morgan Stanley, J.P. Morgan Securities LLC, and Northern Trust. Outside of finance, Mariano has worked as a delivery partner for Uber Eats. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm offers tailored non-discretionary planning and investment consulting, employing analytical tools such as risk profiling and probability modeling to support client goals.

Calvin Robinson is a financial advisor at OSAIC with 10 years of industry experience and holds Series 65 and Series 63 licenses. He has worked at several firms including Triad Advisors LLC, Securities America, Inc., and Woodbury Financial Services, Inc. Robinson serves as a successor trustee for two family living trusts, though he has no active duties in these roles. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients, offering both brokerage and advisory services through a multi-advisor platform. The firm’s investment approach focuses on model-based asset allocation and portfolio optimization, supported by various tools and third-party managers.

Martial Martinoni is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for 13 years prior to joining LPL Financial in 2019. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, portfolio management, and institutional platforms, supported by a large network of investment adviser representatives and advanced operational tools.

Taylor Wallis is a financial advisor at J.P. Morgan Securities with 8 years of industry experience. He holds Series 66 and Series 63 credentials and has worked at several major firms including Morgan Stanley and Bank of America/Merrill Lynch. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research to develop model asset allocations, incorporating ESG criteria and leveraging broader derivatives and commodities capabilities.

Seth Gonzalez is a financial advisor at Vanguard Advisers with one year of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Vanguard Advisers, he worked at Auto-Owners Insurance Company and has a background that includes roles outside finance such as positions at Raising Cane's Chicken Fingers and Shake Shack. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach with portfolios primarily composed of Vanguard funds and ETFs, offering a digital delivery model supported by a large team of advisors.

Kole Bosworth is a financial advisor with Morgan Stanley in Tempe, AZ, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He worked at Morgan Stanley from 2016 to 2021, briefly joined Prospera Financial Services in 2021, and has been with Morgan Stanley since later that year. Outside of advisory work, he owns and manages rental properties. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers comprehensive financial planning using structured processes and proprietary tools, managing approximately $2.74 trillion in client assets.

Scott Mc Quistan is a financial advisor at Vanguard Advisers with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at J.P. Morgan Securities, Bank of America, Merrill Lynch, and Morgan Stanley. Outside of his advisory role, he is a general partner in a family partnership that provides loans for real estate transactions. Vanguard Advisers offers 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 featuring personalized asset allocations and primarily invests in Vanguard funds and ETFs through a large-scale digital platform.