Grant Osborne is a financial advisor at MAI Capital Management, LLC with six years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at WCG Wealth Advisors, LLC and AXA Advisors, LLC. Osborne is also involved with Treloar & Heisel, LLC, a firm engaged in fixed and accident and health insurance sales. MAI Capital Management provides investment management, wealth management, retirement plan consulting, and family-office services to a diverse client base including high-net-worth individuals, families, sports professionals, trusts, and institutional clients. The firm offers customized portfolio management across multiple strategies and integrates financial planning and tax services into many client relationships.

Kevin James is a CFA® charterholder with over 21 years of experience in the financial services industry. He has worked at TIAA and its affiliate TIAA-CREF since 2018 and was previously with BlackRock Investment Management for 11 years. James is based in Phoenix, AZ. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker‑dealer services primarily to individuals connected with TIAA‑administered employer retirement plans, as well as trusts, estates, and small retirement plans. The firm offers both one-time planning services and ongoing portfolio management, including customized and model-driven investment options.

James Smith is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 65 designations and 29 years of industry experience. He has been with United Planners since 2009. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients such as sovereign wealth funds and banks. The firm operates an open-architecture platform with multiple custodians and third-party money managers, offering a mix of fee-based and commission-based options primarily on a non-discretionary basis.

Patricia Shyman is a financial advisor with Commonwealth Financial Network in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. She has worked at Commonwealth since 2012 and has also been associated with Camelback Retirement Planners since 2010. Outside of her advisory role, she works as a clerk for Griffin Estate Sales in Phoenix. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and back-office support, including portfolio management, trading, technology, compliance, and practice management, allowing advisors discretion in constructing client portfolios from diverse securities and insurance products.

Raymond Schenk is a financial advisor at Schwab Wealth Advisory with 22 years of industry experience. He holds the CFP® and ChFC® designations and has worked at firms including The Vanguard Group and Wealth Enhancement Group. He is currently based in Phoenix, AZ. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses Schwab’s asset allocation models and research tools to guide investment recommendations while allowing clients to make final trading decisions.

Nancy Loveland is a CFP® professional with 43 years of experience in the financial services industry. She has been associated with United Planners Financial Services since 2004 and has operated as a self-employed representative since 1983. Nancy is also licensed as a non-variable insurance agent. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm operates an open-architecture platform with multiple custodians and third-party money managers, offering both fee-based and commission-based options through its network of independent Investment Advisor Representatives.

David Bucannon is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ. He holds Series 63 and Series 66 licenses and has three years of industry experience, including roles at Charles Schwab and several mortgage and insurance-related firms. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm offers annual financial reviews and investment recommendations using Schwab’s asset allocation models and research tools, while clients retain final trading decisions.

Troy Klunk is a financial advisor at Schwab Wealth Advisory with 11 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Schwab Wealth Advisory and Charles Schwab in various capacities since 2014, with a brief tenure at Edward Jones in 2020. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program. The firm offers annual financial reviews and investment recommendations based on standardized asset allocation models and Schwab research tools, while clients retain final trading decisions.

Jeffrey Kirshner is a financial advisor with Primerica Advisors based in Scottsdale, AZ, holding the PFS™ designation along with Series 63 and 66 licenses. He has 23 years of industry experience and has been with Park Avenue Securities since 2002. Outside of his advisory role, Kirshner operates Kirshner & Klarfeld Financial Group, focusing on insurance and financial services, and serves as a trustee for multiple family trusts. He is also a member of the Congregation Beth Israel Endowment Committee. Park Avenue Securities LLC serves a wide range of clients including individuals, high-net-worth investors, charitable organizations, and corporations, offering both brokerage and advisory services. The firm utilizes a combination of proprietary and third-party investment strategies and supports various account-level services such as lending solutions and donor-advised funds.

Dane Breslo is a CFP® with three years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior experience includes roles at Charles Schwab and Prospera Financial Services Inc. Outside of his advisory work, he sells personal and collectible items on eBay. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools to support wealth management and investment decisions.

Jiexi Li is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and one year of industry experience. Jiexi’s background includes roles at Charles Schwab since 2022 and prior work in education and business imports. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations based on Schwab’s asset allocation models and research tools.

Elise Gidaro is a CFP® professional with eight years of experience in the financial services industry. She currently works at Schwab Wealth Advisory, Inc. and has prior experience with The Vanguard Group and Metromile. Outside of finance, she operated Busy Bees Babysitting for seven years. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab ecosystem, delivering services through annual financial reviews and investment recommendations based on Schwab’s asset allocation models and research tools. The firm’s structure includes an internal advisory unit paid by Charles Schwab & Co., with discretionary management typically handled by affiliated or third-party money managers.

Crystal Cruz Mata is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and based in Phoenix, AZ. She has been in the industry since 2024, with prior experience at Velocity Tax Express and Crystal Cruz Financial Services. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering comprehensive financial reviews and investment recommendations using Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within Charles Schwab & Co., focusing on client-directed investment decisions with periodic reviews.

Benjamin Tod is a CFP® professional with eight years of industry experience, currently serving at Schwab Wealth Advisory Inc. since 2021. He has worked within the Charles Schwab organization since 2017 and has prior experience at Modis, Zocdoc, and Arizona State University. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering annual 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, delivering advice without discretionary trading authority.

Tanner Dix is a CFP® with five years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. His prior experience includes roles at J.P. Morgan Securities and Robinhood Markets. Outside of financial advising, he owns a car rental business, Dix Turo LLC. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations including stocks, bonds, mutual funds, ETFs, and separately managed accounts. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

Alexa Jones is a financial advisor with Schwab Wealth Advisory and holds a Series 66 designation. She has nine years of industry experience, including roles at Charles Schwab since 2016 and Charles Schwab Bank from 2017 to 2019. Jones is based in Phoenix, AZ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering services such as annual financial reviews and investment recommendations. Its approach involves standard asset allocation models and Schwab research tools, with clients retaining final trading decisions.

Michael Klarfeld is a financial advisor with Primerica Advisors in Scottsdale, AZ, holding the ChFC® and Series 63 designations and bringing 41 years of industry experience. He has been with Primerica Advisors since 1999 and maintains ongoing roles with Guardian Life Insurance Company and General American. In addition to his advisory work, he is involved with Kirshner & Klarfeld Financial Group, an insurance and financial services firm focusing on life, disability, and long-term care insurance. Primerica Advisors is an enterprise-level firm serving a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers both brokerage and advisory services, utilizing proprietary model portfolios alongside third-party managers and digital advice solutions.

Brent Sayler is a CFP® with six years of industry experience, currently serving as a financial advisor at Allworth Financial, L.P. in Phoenix, AZ. He previously worked at The Vanguard Group, Inc. and operated his own advisory practice before joining Allworth Financial. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio management using a variety of model strategies, including core-satellite, index allocations, and options-based overlays, and operates a specialized Airline division focused on airline industry employees.

Glen Mc Dowell is a financial advisor at Schwab Wealth Advisory with a Series 66 designation and five years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2021 and previously worked at Merrill and Yelp. Schwab Wealth Advisory, Inc. 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 offers annual financial reviews and investment recommendations while leaving final trading decisions to clients.

Curtis Westrich is a CFP® professional with 14 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, having previously worked at Providers Wealth LLC, Mariner Wealth Advisors, Moss Adams Wealth Advisors LLC, and Charles Schwab in various roles. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its program, offering annual financial reviews, retirement planning, and investment recommendations based on Schwab’s proprietary research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice without discretionary trading authority and primarily serving individual clients rather than institutional accounts.