Joseph Reyes is a CFP® professional with 21 years of experience in financial advising. He is currently with Schwab Wealth Advisory, Inc., where he has worked since 2026, and has been affiliated with Charles Schwab and related entities since 2013. Prior to that, he held roles at USAA Financial Planning Services and USAA Investment Services Company. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on proprietary asset allocation models and internal research, offering tailored recommendations without discretionary trading authority.

Samriti Dhingra is a CFP® professional with 10 years of industry experience, currently serving as an advisor at Moneta Group Investment Advisors, LLC since 2015. Based in Phoenix, AZ, she works within a large enterprise firm known for its partner-led teams and centralized investment resources. Moneta Group Investment Advisors serves high-net-worth individuals, families, trusts, and a variety of institutional clients, offering portfolio management, financial planning, and family office services. The firm emphasizes diversified, multi-asset allocations and supports unique institutional relationships, including sovereign wealth funds and chartered trust services.

Michael Schroeder is a CFP® with 32 years of experience in the financial services industry. He is currently affiliated with Commonwealth Financial Network and part owner of Ke Wealth Advisors, where he has worked since 2019. Prior to this, he spent 14 years with Ameriprise Financial Services, Inc. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors. The firm provides a range of managed-account programs and custody services, allowing advisors to implement portfolios using internal model options or third-party platforms.

Michael Garmone is a financial professional with Carson Wealth in Gilbert, Arizona, holding Series 63 and Series 65 licenses and 18 years of industry experience. His career includes roles at Cetera Wealth Services, LPL Financial, and Pangea Wealth Management. He is involved in fixed insurance sales, including life, disability, annuities, and long-term care products. Carson Wealth is an SEC-registered investment advisory enterprise managing approximately $50.6 billion through over 650 advisors. The firm offers discretionary asset management, financial planning, and retirement plan services, utilizing an Investment Committee to oversee model portfolios and providing tailored solutions with a variety of custodial and technology partners.

Matthew Clay is a financial advisor at Steward Partners Investment Advisory, LLC with 26 years of industry experience. He holds Series 63, 65, and 66 licenses and has previously worked at Ameriprise and Raymond James Financial Services Advisors. Outside of advising, he is the sole owner and CEO of MJC Investment Properties, LLC, which manages commercial office space leased to the firm. Steward Partners Investment Advisory, LLC is an SEC-registered enterprise-scale RIA managing approximately $36.7 billion in assets. The firm serves individuals, pension plans, corporations, trusts, and charitable organizations, offering a range of investment advisory and financial planning services through customized portfolios and third-party managers.

Jasmine Lee is a CFP® professional with five years of industry experience, currently serving as a financial advisor 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, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients. The firm’s advice is based on proprietary asset-allocation models and internal research tools, with investment decisions executed only upon client authorization.

Robert Bowen is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and 23 years of industry experience. He has worked extensively with Charles Schwab and USAA-affiliated firms throughout his career. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on standard asset-allocation models and internal research tools, with an emphasis on tailored recommendations aligned with clients’ goals and risk tolerance.

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 with Schwab Wealth Advisory Inc. in Phoenix, AZ. He holds Series 63 and Series 66 licenses and has eight years of industry experience. His prior work includes roles at National Indemnity Company from 2015 to 2018. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and internal research, with reviews tailored annually to client goals and risk tolerance.

Timothy Lambson is a CFP®-certified financial advisor with Schwab Wealth Advisory in Phoenix, AZ, with 11 years of industry experience. He has been with Charles Schwab & Co., Inc. since 2015 and with Schwab Wealth Advisory Inc. since 2018. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, focusing on asset allocation and investment selection using Charles Schwab’s proprietary models and research tools. The firm emphasizes customized recommendations aligned with clients’ goals and risk tolerance, without exercising discretionary trading authority.

Jacob Schuerman is a financial advisor with Empower Advisory Group in Tempe, AZ, holding Series 63, Series 65, and Series 66 credentials and three years of industry experience. His work history includes roles at Empower Financial Services, The Vanguard Group, and the University of Arizona. He is also a member of the Financial Stewardship Ministry Team at Tempe Church of Christ, where he assists with church financial management. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail brokerage clients. The firm delivers integrated services tied to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and clients’ savings rates.

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 at Schwab Wealth Advisory with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has held roles at Charles Schwab and Co., Inc., USAA Investment Management Company, and USAA Financial Advisors, Inc. Brian is based in Phoenix, AZ. Schwab Wealth Advisory serves clients in the Schwab Wealth Advisory program and certain Charles Schwab–referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on internal research tools and standard asset-allocation models, with customized recommendations and annual reviews tailored to each client’s goals and risk tolerance.

Dylan Owens is a CFP® professional with one year of experience at EP Wealth Advisors and five years at Stoker Ostler Wealth Advisors. He has also held roles at DOE Commerce, LLC and other positions dating back to 2016. Owens is based in Phoenix, AZ. EP Wealth Advisors serves individual, corporate, and retirement plan clients, offering wealth management, discretionary portfolio management, and financial planning services. The firm employs a customized investment approach that includes fundamental, technical, and cyclical analysis, and it offers additional services such as tax preparation and estate-document preparation for qualifying clients.

April Beltran is a CFP® professional with 21 years of industry experience. She is currently with Schwab Wealth Advisory Inc., where she has worked since 2018. Her previous experience includes roles at Wells Fargo Clearing, J.P. Morgan Securities, Chase Investment Services Corp., and Banc One Securities Corporation. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on asset allocation models and internal research tools. The firm is notable for its scale, structured compliance measures, and its affiliation with Charles Schwab Futures and Forex LLC.

Leslie Gutman is a financial advisor with Schwab Wealth Advisory, Inc. in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. Gutman has been with Charles Schwab and its affiliated entities since 2000. Outside of advisory work, Gutman volunteers with the IRS VITA program, providing free tax assistance to low-income individuals. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and select referrals, offering non-discretionary fiduciary investment advice and financial planning. The firm’s investment guidance is based on Charles Schwab’s asset-allocation models and internal research tools, with recommendations tailored to client goals and risk tolerance.

Robert Gentry is a financial advisor at Empower Advisory Group with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms including 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 Empower Premier IRA and certain retail brokerage account holders. The firm’s services integrate with Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Daniel Braun is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and 13 years of industry experience. He has worked at Schwab Wealth Advisory and Charles Schwab since 2021, following roles at Dubuque Bank & Trust/HTLF and Wells Fargo Clearing. Schwab Wealth Advisory serves clients in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients, providing non-discretionary fiduciary investment advice and financial planning. The firm’s approach uses Schwab’s asset-allocation models and research tools, with recommendations tailored to client goals and risk tolerance, while trades require client authorization.

Talmage De Meester is a CFP®-certified financial advisor with 12 years of industry experience, currently affiliated 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 serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on Schwab’s asset-allocation models and research tools, focusing on client goals and risk tolerance, with trades executed only upon client authorization.