Susan Bishara is a Series 66-licensed financial advisor with Schwab Wealth Advisory in Phoenix, Arizona. She has 16 years of industry experience, including roles at HSBC Bank USA and HSBC Securities prior to joining Schwab in 2020. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program. The firm delivers personalized investment recommendations and financial planning using Schwab’s asset allocation models and research tools, conducting annual reviews without discretionary trading authority.

Bradley Kutler is a CFP® professional with five years of industry experience, currently working at Focus Partners Wealth, LLC. His prior roles include positions at Stoker Ostler, The Vanguard Group, Edward Jones, Capco, and Cognizant Technology Solutions. Outside of his advisory career, he tutors CFP and securities exam content on the Varsity Tutors platform as an independent contractor. Focus Partners Wealth serves a diverse client base including individuals, high-net-worth clients, family offices, and institutions, offering investment management and comprehensive wealth services. The firm employs a long-term, tax- and fee-sensitive investment approach using enhanced open architecture, integrating fundamental and quantitative analysis alongside third-party managers when appropriate.

Denise Lilien is a financial advisor at Mariner with two years of industry experience. She holds Series 63 and Series 66 licenses. Prior to joining Mariner, she worked at MSEC, LLC, Apple Inc., and Charles Schwab. Mariner serves a diverse client base including individuals, pension plans, trusts, estates, charitable organizations, corporations, and private funds through investment management, financial planning, and retirement plan consulting. The firm combines in-house research with third-party managers and offers integrated tax and accounting services alongside traditional portfolio management.

Tanner Grech is a CFP® with seven years of industry experience, currently affiliated with Schwab Wealth Advisory. He has worked at Charles Schwab since 2018 and held roles at Metro Inspections, LLC and Northwest Trustee Services earlier in his career. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, focusing on annual financial reviews, retirement planning, and investment recommendations guided by Schwab’s proprietary research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice without discretionary trading authority and serving primarily individual clients rather than institutional investors.

Darin Hood is a financial advisor with Principal Financial Services in Phoenix, AZ, holding a Series 66 designation and eight years of industry experience. Prior to joining Principal Securities Inc and Principal Life Insurance Company in 2018, he worked at Dignity Health and the City of Phoenix. Outside of his advisory role, he is an instructor for Arizona Defensive Firearms Training, a business focused on firearm education run by current and former law enforcement. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty military personnel. The firm offers financial planning, retirement plan consulting, and access to third-party money manager programs under various advisory and promoter arrangements.

Nathan Hesman is a financial advisor with Schwab Wealth Advisory based in Phoenix, AZ. He holds Series 63 and Series 66 credentials and has 15 years of industry experience. Prior to joining Schwab Wealth Advisory in 2024, he worked at Charles Schwab Bank from 2012 to 2023. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s proprietary research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, with clients retaining final trading decisions and discretionary management typically handled by affiliated or third-party managers.

Jeffrey Kluve is a CFP® professional affiliated with Commonwealth Financial Network in Phoenix, AZ, with 25 years of industry experience. His prior roles include positions at FireSky Financial Inc and Prudential Insurance Company of America. He is also the owner of JKFP LLC, a private entity facilitating securities, advisory, and insurance business. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing roughly $212.7 billion in client assets. The firm provides a comprehensive adviser-support platform that includes managed-account programs, access to third-party asset managers, and custody/clearing services.

Nicole Meehan is a financial advisor with Lincoln Investment in Phoenix, AZ, holding a Series 66 designation and 12 years of industry experience. She has worked at Lincoln Investment since 2017 and previously held roles at Legend Advisory Corporation and Legend Equities Corporation. In addition to her advisory work, she provides business consulting services focused on operations and recruiting for non-investment related firms. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a particular emphasis on educators and 403(b)/457(b) participants. The firm offers a range of financial planning and retirement plan services, managing a blend of in-house and third-party investment strategies using both strategic and tactical approaches.

Tovin Mcgovern is a CFP® with 14 years of industry experience, currently serving at Creative Planning since 2022. His prior experience includes roles at Hatton Consulting, Inc., and various positions at J.P. Morgan Securities and JP Morgan Chase Bank from 2009 to 2020. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm employs a financial planning-led investment process focused on low-cost indexing and buy-and-hold strategies, supported by a large advisory team and integrated non-investment services such as estate law and trust companies.

John Nielsen is a financial advisor with Stratos Wealth Partners, Ltd, holding Series 63 and Series 66 licenses and 17 years of industry experience. He has worked at Stratos Wealth Partners and LPL Financial since 2017, with prior roles at Wells Fargo Clearing and Wells Fargo Advisors. Stratos Wealth Partners provides advisory services to individual investors, trusts, charitable organizations, corporations, retirement plans, and institutional clients through portfolio management, financial planning, and access to third-party advisory solutions. The firm offers an open-architecture Strategic Wealth Management platform that supports advisor-managed and model-based portfolios with active monitoring and asset allocation across multiple custodians.

Shane Foster is a CFP® professional with nine years of industry experience, currently affiliated with AE Wealth Management, LLC. His prior roles include positions at Schwab Wealth Advisory Inc. and Merrill. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base including individuals, corporations, trusts, and ERISA plan sponsors. The firm utilizes discretionary model portfolios and combines fundamental, technical, and cyclical analysis methods in its investment approach.

Brody Carroll is an advisor at Schwab Wealth Advisory with a Series 66 designation and one year of industry experience. His prior work includes roles at Charles Schwab & Co., Inc., Acute Wealth Advisors, and two years spent in extended travel. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement and planning discussions, and investment recommendations. The firm delivers advice using Schwab’s standard asset allocation models and research tools, with clients making final trading decisions and accounts reviewed at least annually.

Ninos Mirza is a financial advisor at Creative Planning with nine years of industry experience. He holds the Series 65 designation and previously worked at Financial Engines Advisors from 2015 to 2026 before joining Creative Planning. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, institutions, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies for long-term goals, complemented by a range of portfolio management and advisory services.

Randal Golden is a financial advisor at Corient in Phoenix, AZ, with 21 years of industry experience. He holds the Series 63 and Series 65 credentials and previously worked at Vivaldi Capital Management, LLC for 14 years. Outside of his advisory role, he performs occasional accounting work for a family-involved real estate joint venture. Corient provides investment advisory and financial planning services to a diverse client base including individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and corporate entities. The firm employs a goals-based, team investment approach that integrates individual security and fixed-income strategies with third-party manager solutions and customized asset allocation.

Steven Fox is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Charles Schwab since 2000 and has served at Schwab Wealth Advisory since 2012. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, planning discussions, and investment recommendations supported by Schwab’s proprietary research and asset allocation models. The firm operates as an internal advisory unit within Charles Schwab, serving clients primarily through education and recommendations rather than discretionary management.

John Odell III is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at Janney Montgomery Scott since 2022, following six years with Wells Fargo Clearing and two years with Wells Fargo Advisors LLC. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, including individuals, families, trusts, corporate and retirement plan sponsors, and municipal clients, offering brokerage services, financial planning, consulting, and multiple advisory programs.

Robert Schweitzer is a financial advisor with Transamerica Retirement Advisors, LLC in Phoenix, AZ. He holds Series 63 and Series 66 credentials and has four years of industry experience. His prior work includes roles at Fidelity Investments and Transamerica Life Insurance Company. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners by providing managed advice and investment education services. The firm uses Morningstar Investment Management’s proprietary software for portfolio construction and offers both managed portfolios and non-discretionary, view-only recommendations.

Jonathan Derra is a financial advisor with First Citizens Investor Services, Inc., holding a Series 66 designation and 23 years of industry experience. He previously worked at BancWest Investment Services Inc. for nine years before joining his current firm in 2023. Based in Phoenix, AZ, he serves a range of clients through First Citizens Investor Services. First Citizens Investor Services, Inc. provides advisory and brokerage services to individuals, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm emphasizes IAR-led financial assessments and applies fundamental, quantitative, and technical analysis across various investment vehicles, including equities, fixed income, and mutual funds.

David York is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He has worked with Charles Schwab and its affiliated firms since 2009. Outside of his advisory role, he is involved in property management in Phoenix, Arizona. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients within the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not exercise discretionary trading authority on client accounts.

Joshua Slagill is a CFP® professional at Schwab Wealth Advisory with four years of industry experience. He has held roles at Charles Schwab since 2021 and has prior work experience including positions at Auto Cure Detailing and IVI Risk. 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, retirement planning, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem, recommending investments without discretionary trading authority, and serves primarily individual clients through standardized allocation models.