Karl Miller is a financial advisor at Merrill with 13 years of industry experience. He holds the Series 63 and Series 66 designations. Miller has worked at Merrill since 2013 and has been with Bank of America, N.A. since 2017. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michelle Cannon is a Planning Consultant at Fidelity Investments, a role she has held since 2026. She is focused on developing financial strategies that provide clarity and confidence to clients, emphasizing a tailored approach that responds to their evolving needs. Prior to this position, Michelle worked as a Relationship Manager at Fidelity Investments from 2025 to 2026, and initially served as a Financial Representative at the company from 2024 to 2025. Michelle's career path at Fidelity Investments demonstrates her experience in client relationship management and financial planning. Her work is centered on understanding individual client priorities to create strategies that align with their financial goals.

Joshua Paone is a financial advisor with Morgan Stanley in Tempe, AZ, holding Series 65 and Series 63 licenses and three years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at U.S. Bancorp Advisors and The Vanguard Group, Inc., among other roles. He has also been involved with Banner Alzheimer's Institute and the Arizona Country Club. Morgan Stanley Wealth Management provides 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 offers both direct and employer-sponsored financial planning services.

Paul Hershenberg is a financial advisor with LPL Financial in Tempe, AZ, holding Series 63 and Series 65 credentials and 28 years of industry experience. He previously worked at Woodbury Financial Services for 16 years and OSAIC for one year prior to joining LPL Financial in 2025. Outside of his advisory role, he is involved in non-variable insurance activities through his own agencies. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm offers a broad range of advisory programs, financial planning services, and retirement consulting, utilizing both discretionary and non-discretionary management with access to model portfolios, research, and alternative investment strategies.

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.

Chris Burger is a financial advisor with Merrill in Chandler, AZ, holding a Series 66 designation and 13 years of industry experience. He has been with Merrill since 2012. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Joseph Cooper is a CFP® professional with five years of industry experience, currently affiliated with Cambridge Investment Research Advisors in Tempe, AZ. His background includes roles at Cambridge Investment Research Inc. and several positions outside finance, including work at Tommy Bahama and Jimmy John's Franchise. He is involved in COOPER FAMILY WEALTH LLC and SUMMIT FINANCIAL SOLUTIONS as part of his other business activities. Cambridge Investment Research Advisors is a large SEC-registered firm serving a broad range of clients, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals, utilizing multiple custody platforms and a variety of discretionary and non-discretionary strategies.

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.

Colby Homec is a Series 66-licensed financial advisor with Fidelity in Gilbert, AZ, and has 16 years of industry experience. He has been with various Fidelity entities since 2012, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Outside of his advisory role, he is a partner in Backpacking Grub, an online sales business where he handles order fulfillment and content creation. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as an advisor to multiple registered investment companies and develops model portfolios for Fidelity Institutional Wealth Adviser.

Maguire Peterson is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he worked briefly at Baird Private Wealth Management and Trinity Underground. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm integrates proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios, employing oversight controls and formal advisory roles uncommon among large institutional firms.

Jon Pia is a financial advisor at Merrill with nine years of industry experience. He holds the Series 66 designation and has worked at Bank of America and Merrill since 2017. Outside of advising, he has sole ownership of two rental properties in Gilbert, Arizona. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and organizations.

Susan Krech is a financial advisor with Wells Fargo Clearing in Tempe, AZ, holding a Series 66 designation and 24 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and previously spent six years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes both discretionary and non-discretionary services tailored to plan objectives, demographics, and risk tolerances.

Yonathan Haile is a financial advisor at Merrill with Series 63 and Series 66 licenses and three years of industry experience. His prior roles include positions at Debes Mutual and TIAA-CREF Individual & Institutional Services, LLC. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and institutions.

Joseph Collen is a financial advisor at LPL Financial with three years of industry experience. He holds the Series 66 designation and has worked previously at Edward Jones and Greatest Value. Outside of his advisory role, he works part-time as a courier and operates a home-based resale business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party research, and various portfolio management technologies.

Anthony Tosta is a financial advisor at Morgan Stanley in Gilbert, AZ, holding a Series 66 designation. He has been with Morgan Stanley since 2025 and has prior work experience including roles at Fuzion 3 and Ideal Printing Company, as well as time spent at the University of Arizona and Fullerton College. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured processes and advanced modeling tools.

Bryan Hanson is a CFP® professional with 17 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. His prior experience includes roles at Vanguard Group and Vanguard Advisers, Inc. He holds Series 63 and Series 66 licenses. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory capabilities with broker-dealer and investment adviser registrations, delivering non-discretionary investment recommendations supported by in-house due diligence and ESG eligibility processes.

Shane Montgomery is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2020. He has been with Fidelity since 2013, progressing through roles including Financial Consultant, Investment Consultant, Retirement Solutions Representative, Investment Solutions Representative, and Financial Representative. Throughout his tenure, Shane has developed expertise in wealth planning and financial consulting, focusing on supporting clients' financial needs with integrity. He emphasizes a commitment to working relentlessly alongside clients and their families to exceed their wealth planning expectations. Outside of his professional work, Shane enjoys activities such as beach outings, hiking, outdoor adventures, reading, and traveling.

Luke Bullinger is a financial advisor at Morgan Stanley in Gilbert, AZ, holding Series 66 and Series 63 designations with one year of industry experience. His prior work includes roles at Realty ONE Group, Redfin, and John L Scott. Outside of advising, he is involved with I-5 Chrome Shop LLC, an automotive retail business. Morgan Stanley Wealth Management offers a broad range of advisory programs to individual and institutional clients, emphasizing structured financial planning supported by firm-approved tools and advanced modeling techniques.

Austin Small is a Financial Consultant who collaborates with clients to understand their goals and personal situations. He works with them to build and implement holistic financial plans aimed at helping clients work towards their financial aspirations. Prior to his current role, Austin held positions at Ameriprise Financial, including Client Relationship Manager from 2022 to 2023 and Client Support Associate from 2021 to 2022.

Victoria Stinson is a financial advisor with Edward Jones in Tempe, Arizona, holding a Series 66 designation and over 14 years of industry experience. She has been with Edward Jones since 2005. Outside of her advisory role, Stinson is involved in hospitality and staffing through part-time work with Instawork and Qwick. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.