Michael Schroeder is a CFP® with 31 years of industry experience, currently serving as an advisor with Commonwealth Financial Network and as a part owner of Ke Wealth Advisors. He previously worked at Ameriprise Financial Services, Inc. for 14 years. Schroeder is based in Tempe, AZ. Commonwealth Financial Network supports a national network of approximately 2,950 advisors, providing a range of advisory programs and back-office services including investment management, compliance, and technology. The firm offers customizable portfolio solutions and distinct program structures, serving both retail and institutional clients.

Michael Garmone is a financial professional with 18 years of industry experience, currently affiliated with CWM, LLC. He holds Series 63 and Series 65 licenses and has worked at firms including LPL Financial and Cetera Wealth Services. He is also the owner of Garmone Financial, LLC, a non-investment business used for administrative purposes. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a large network of advisors. The firm provides portfolio management, financial planning, and retirement plan services, employing discretionary management with model portfolios supported by an in-house Investment Committee and a mix of analytical tools and third-party resources.

Matthew Clay is a financial advisor with Steward Partners Investment Advisory, LLC, holding Series 63, 65, and 66 licenses and bringing 26 years of industry experience. His prior roles include positions at Ameriprise and Raymond James Financial Services. He is also the sole owner and CEO of MJC Investment Properties, LLC, which manages commercial office space leased to Steward Partners. Steward Partners Investment Advisory, LLC is an enterprise-scale SEC-registered RIA managing approximately $36.7 billion in assets. The firm serves individuals, pension plans, corporations, trusts, estates, and charitable organizations, offering a range of advisory and portfolio management services through both Steward Partners-branded solutions and selected third-party managers.

Jasmine Lee is a CFP® with five years of industry experience, currently serving at Schwab Wealth Advisory. Her prior roles include positions at Morgan Stanley, Merrill Lynch, and Navy Federal Credit Union. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations using Schwab’s asset allocation models and research tools. The firm functions as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, distinguishing its operational model from many enterprise wealth managers.

Robert Bowen is a financial advisor at Schwab Wealth Advisory with 23 years of industry experience. He holds a Series 66 designation and has worked previously at USAA Investment Management Company and USAA Financial Advisors Inc. Bowen operates out of Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm uses Schwab’s research tools and standard asset allocation models, with final trading decisions made by clients.

Casey Coffey is a financial advisor at PNC Wealth Management with 12 years of industry experience. He has previously worked at Wells Fargo Clearing, PNC Investments LLC, BOK Financial Securities, Inc., and Bokf, Na. Casey holds Series 63 and Series 65 licenses. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account that uses algorithm-driven risk assessment and delegates portfolio management to third parties.

Amy Graves is a financial advisor at Centaurus Financial, Inc. in Scottsdale, AZ, holding a Series 66 designation with five years of industry experience. Prior to joining Centaurus in 2026, she worked at Equitable Advisors and the predecessor firm EQUITABLE from 2018 to 2026. She is also the successor co-trustee of her parents' family trust. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, small businesses, and institutions. The firm offers financial planning, portfolio management through its CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services across discretionary and non-discretionary arrangements.

Baha Chanel is a financial advisor with PNC Wealth Management in Scottsdale, AZ, holding a Series 66 designation and nine years of industry experience. His career includes roles at Charles Schwab, Morgan Stanley, Bank of America, Merrill Lynch, and Elliot Management. Outside of his advisory work, he is the owner of Chanel Holdings LLC, a non-investment-related business. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including the Portfolio Solutions Strategist Digital Offering, an online discretionary model account available by invitation to employees. The firm uses algorithm-driven risk assessments and delegates portfolio implementation and proxy voting to third parties.

Benjamin Milder is a financial advisor at Schwab Wealth Advisory with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Schwab Wealth Advisory since 2021, with prior experience at Charles Schwab and National Indemnity Company. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews and investment recommendations across various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly, distinguishing its approach from many enterprise wealth managers.

Timothy Lambson is a CFP® professional at Schwab Wealth Advisory with 11 years of industry experience. He has been with Charles Schwab & Co., Inc. since 2015 and joined Schwab Wealth Advisory in 2018. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using standard asset allocation models and Schwab research tools. The firm conducts annual account reviews and offers investment recommendations across a range of asset classes, while clients retain final decision-making authority.

Jacob Schuerman is a financial advisor at Empower Advisory Group with three years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses. Prior to joining Empower Advisory Group, he worked at The Vanguard Group and Empower Financial Services, and he has served in various roles including at the University of Arizona and in community involvement through the Tempe Church of Christ’s Financial Stewardship Ministry Team. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm uses an integrated model tied to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

James Weil is a CFP® with 36 years of industry experience, currently serving as a financial advisor at Hightower Advisors since 2020. His previous roles include positions at Comprehensive Asset Management & Servicing, Inc. and Private Vista, LLC, where he worked from 1992 to 2020. Weil is also a board director at Ruth Lake Country Club, a nonprofit organization. Hightower Advisors provides investment advisory and planning services to a diverse client base including individuals, institutions, pension plans, and charitable organizations. The firm’s approach emphasizes manager selection and multi-manager solutions, combining proprietary research with a wide range of investment vehicles and operational support.

Brian Stauss is a financial advisor with Schwab Wealth Advisory, Inc. based in Phoenix, AZ. He holds Series 63 and Series 66 designations and has 20 years of industry experience. His work history includes roles at Charles Schwab and Co., Inc. and USAA in various financial planning and advisory capacities. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations across a broad range of securities. The firm delivers advice through Charles Schwab’s asset allocation models and research tools, with final trading decisions made by clients.

April Beltran is a Certified Financial Planner™ (CFP®) with 21 years of industry experience. She has worked at Schwab Wealth Advisory Inc and Charles Schwab since 2018 and previously held positions at Wells Fargo Clearing and Wells Fargo Advisors. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem using standard asset allocation models and research tools, with clients retaining final trading decisions while SWAI conducts annual account reviews.

Robert Gentry is a financial advisor with Empower Advisory Group in Scottsdale, AZ, holding Series 66 and Series 63 designations and 21 years of industry experience. His prior work includes roles at firms such as Nationwide Investment Services Corporation, Wells Fargo, Fidelity Investments, Charles Schwab & Co., and USAA. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm integrates its advisory services with Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing.

Daniel Braun is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. His career includes roles at Dubuque Bank & Trust/HTLF and Wells Fargo Advisors prior to joining Schwab in 2021. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, delivering services such as annual financial reviews and investment recommendations based on Schwab's asset allocation models and research tools. The firm operates within the Schwab ecosystem with an emphasis on client-directed trading decisions and does not act as a discretionary portfolio manager.

Talmage De Meester is a CFP®-certified financial advisor with 11 years of industry experience, currently with Schwab Wealth Advisory in Phoenix, AZ. His prior experience includes roles at Cetera Investment Advisors, Cornerstone Financial Advisors, Glen D Smith & Associates, Raymond James Financial Services, and USAA financial planning services. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, delivering services such as financial reviews, retirement planning, and investment recommendations using Schwab’s research tools and asset allocation models. The firm operates within the Schwab ecosystem and does not directly charge clients fees, distinguishing its advisory approach from many enterprise wealth managers.

Makenna Sharkey is a financial advisor at CWM, LLC with two years of industry experience and holds a Series 66 designation. Her prior work includes roles at Fidelity, JP Morgan Chase, Lincoln Financial Group, and Rosevest Financial. CWM, LLC is an SEC-registered investment adviser serving individuals, families, foundations, corporations, and institutional clients through a large network of advisors. The firm offers portfolio management, financial planning, sub-advisory services, and retirement-plan solutions using discretionary management with model portfolios and a combination of fundamental and technical analysis.

Judd Wagner is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He has been with Charles Schwab since 1997 and with Schwab Wealth Advisory since 2012. Outside of his advisory role, he manages a small portfolio of rental properties. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations using proprietary Schwab research tools and standard asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and generally does not exercise discretionary trading authority.

Christian Begody is a CFP® with two years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. He has prior experience with Charles Schwab & Co., Inc., Prosperity Home Mortgage, and other firms. Outside of his advisory role, he works part-time as a bartender. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations across various asset classes while clients retain final trading decisions.