Kyle Holmes is a financial advisor at Charles Schwab with five years of industry experience. He holds Series 66 and Series 63 licenses. Prior to his current role, he worked at Brigham Young University-Idaho and Sylvan Learning Center of Temecula. 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. Schwab offers a combination of non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and centralized custody and order-routing.

Scout Davis is a Series 66-licensed financial advisor at Morgan Stanley with eight years of industry experience. Their prior roles include positions at Charles Schwab & Co., Inc., Loft, Bank of America, N.A., Merrill Lynch, Pierce, Fenner & Smith Incorporated, SIU Credit Union, and Southern Illinois University. Davis is based in Phoenix, AZ. Morgan Stanley Wealth Management serves individual and institutional clients through a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and modeling techniques.

Nicholas Ashjian is a financial advisor at Fidelity with seven years of industry experience. He holds the Series 66 designation and previously worked at Husch Blackwell LLP and Charles F. Myers, P.A. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable gift funds and registered investment companies. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, and it serves as an adviser to multiple registered investment funds while utilizing systematic methodologies and long-term asset allocation strategies.

Joseph Woods is a financial advisor with Charles Schwab who holds Series 63 and Series 66 licenses and has 33 years of industry experience. He has been with Charles Schwab since 2003 and Charles Schwab Bank since 2008. Based in Peoria, AZ, Woods has over two decades of tenure with his current firm. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, using multi-asset model portfolios and a centralized operational structure.

Sommer Arekat is a Series 66 licensed financial advisor with UBS Financial Services in Phoenix, AZ, where she has worked since 2015. She has 13 years of industry experience. Outside of her advisory role, she is involved in a design consultation business and owns a florist enterprise. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering tailored financial planning and portfolio management supported by proprietary research and institutional trading capabilities.

Brian Fletcher is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds Series 66 and Series 65 licenses and has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2013. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Dannett Gardiner is a financial advisor with Cambridge Investment Research Advisors in Phoenix, AZ, holding Series 63 and Series 65 credentials and 14 years of industry experience. Gardiner has worked at several firms, including Proxy Wealth Advisors LLC, CETERA Financial Specialists LLC, and Avantax Investment Services, Inc. Outside of advisory roles, Gardiner is also a Certified Public Accountant providing tax services through Profound Financial PLLC. Cambridge Investment Research Advisors is a large SEC-registered advisory firm serving a broad range of clients, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing proprietary and third-party model strategies across various custody platforms.

Edward Maruggi is a financial advisor at UBS Financial Services in Phoenix, Arizona with four years of industry experience. He previously worked at Merrill and Bank of America, N.A. Edward also spent time involved with Saint Louis Men's Basketball and Saint Louis University. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research and capital markets solutions through a broad platform.

Kristin Chadwick is a financial advisor with Wells Fargo Clearing in Phoenix, AZ, holding a Series 66 designation and 19 years of industry experience. Her career includes multiple roles within Wells Fargo entities since 2011. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs, and serves as an ERISA fiduciary when advising clients.

Kirsten Bray is a financial advisor at Charles Schwab with 11 years of industry experience. She holds a Series 66 designation and has worked previously at firms including First Citizens Investor Services, Hilltop Holdings, and Wells Fargo Bank. Outside of her advisory role, she is a 50% owner of an LLC that owns an inherited rental property managed by a third party. 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. Schwab provides a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by centralized custody and a distinctive operational structure.

David Thompson is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 65 and Series 63 licenses and offering 28 years of industry experience. He previously worked at Financial Engines Advisors L.L.C. from 2014 to 2018. Outside of his advisory role, he is a drummer involved in performing and fine arts. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers integrated custody and brokerage services.

Lukas Mc Kenzie is a financial advisor at Charles Schwab with Series 66 and Series 63 licenses and two years of industry experience. Prior to joining Schwab, he worked at Amazon.com, Inc. and held various roles in staffing and recruitment firms. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and centralized operational infrastructure.

Nicolas Drogaris is a financial advisor with Charles Schwab holding a Series 66 designation and three years of industry experience. His career includes roles at UBS Financial Services, Edward Jones, and multiple positions within Charles Schwab’s various divisions. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a mix of non-discretionary and discretionary investment services supported by multi-asset model portfolios and centralized operational infrastructure.

Robert Fitchett is a financial advisor at Charles Schwab with 17 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab since 2017, following nine years at LPL Financial. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management solutions supported by multi-asset model portfolios and alternative investment options.

Kurt Oswald is a financial advisor with LPL Financial in Peoria, AZ, holding a Series 66 designation and 25 years of industry experience. He previously worked at Lincoln Financial Advisors for eight years and WFG Advisors for six years. Outside of his advisory work, he participates in medical research testing. LPL Financial is a national broker-dealer and SEC-registered investment advisor serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management solutions, utilizing both proprietary research and third-party strategies on discretionary and non-discretionary bases.

Ivey Lopez is a financial advisor at Morgan Stanley with two years of industry experience. Prior to joining Morgan Stanley, Lopez worked at Edward Jones for three years and spent fifteen years at Sephora. Lopez holds a Series 66 designation and is based in Peoria, AZ. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services that include both direct individual plans and Corporate Financial Planning agreements.

Craig Fuller is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and 17 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by a centralized operational and supervisory structure.

Joseph Huskinson is a financial advisor at Charles Schwab with 12 years of industry experience. He holds a Series 66 designation and has held various roles at Charles Schwab entities since 2020, as well as previous experience at USAA and Wealthguard Advisors. Huskinson is based in Phoenix, AZ. 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 combines non-discretionary advisory relationships with access to discretionary separate managed accounts and offers a multi-asset model portfolio approach supported by centralized custody and operational capabilities.

Nicholas Bair is a CFP® and ChFC® financial advisor with 18 years of industry experience. He currently works at Cetera and previously held positions at J.P. Morgan Securities and Chase Investment Services Corp. Outside of his advisory work, he is a licensed insurance agent selling life, health, disability, fixed annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to affiliated and third-party investment strategies.

Esther White is a financial advisor with Primerica Advisors in Phoenix, AZ, holding Series 63 and Series 65 credentials and 12 years of industry experience. Prior to her current role, she worked with the Arizona Department of Education and has been involved in tutoring since 2015. She is also the owner of E.M. Websites, LLC, a non-investment related business. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure rather than fixed fees.