Richard Fawcett is a financial advisor with Charles Schwab 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, including a role at Charles Schwab Bank beginning in 2018, and previously worked at optionsXpress, Inc. from 2011 to 2017. Outside of his advisory work, he owns several real estate and property management businesses in the Phoenix area. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining brokerage, custody, and advisory functions within an integrated platform.

Nicholas Bradley is a financial advisor at Charles Schwab with six years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank, SSB since 2020. Prior to joining Schwab, he was employed at Office Depot and attended ColorDAO State University. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and a centralized operational structure.

Brian Godwin is a Benefits & Planning Consultant in Executive Services at Fidelity Investments, where he currently applies his expertise in financial planning. He previously served as a Director and Retirement Planner at Fidelity Investments from 2022 to 2026. Prior to that, Brian worked as an Investment Consultant at Vanguard from 2020 to 2022 and as a Financial Advisor at Edward Jones from 2019 to 2020. Brian's professional focus is on helping individuals and families develop financial strategies aligned with their personal goals and priorities. He emphasizes the importance of thoughtful financial planning as a framework for making informed decisions throughout various life events. By understanding each client's unique circumstances, Brian aims to help them navigate financial complexities and concentrate on their priorities. Outside of his professional work, Brian engages in activities such as family outings, fishing, hiking, visiting museums, and attending theater performances.

Holly Rezzonico is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She holds a Series 66 designation and has previously worked at Charles Schwab. 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. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Stuart Johnson is a financial advisor at Cetera with 24 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Cetera since 2019. Prior to that, he spent 17 years at Foresters Financial Service. Johnson also serves as treasurer and secretary on the board of directors for a homeowners association, managing the budget and participating in community decision-making. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and planning services through a large network of independent advisors and provides access to multiple investment strategies and custodial arrangements.

Tao Lin is a Series 66-licensed financial advisor with LPL Enterprise in Phoenix, AZ. He has prior experience at Amazon, Globe Life Liberty National, Iqvia, and Ipsos. Lin’s industry experience began in 2025. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, consulting, and access to various investment programs supported by model portfolios and third-party strategists.

Robert Sullivan is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Vanguard Advisers and The Vanguard Group prior to joining J.P. Morgan in 2021. J.P. Morgan Securities 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Lindsay Morganstein is a financial advisor at Merrill with Series 65 and Series 66 credentials and 10 years of industry experience. She has previously worked at Ameriprise, Anacapa Advisors, and Wise World Investment Planning, among other firms. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Marcela Plasencia Renteria is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds a Series 66 designation and has worked at notable firms including Bank of America, Merrill, and Securian Financial Services. 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 select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm integrates advisory services with affiliated brokerage, distribution, and investment management capabilities.

Daniel Baus is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and 20 years of industry experience. He has been with Charles Schwab since 2007. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, combining centralized custody and brokerage services with a multi-asset portfolio approach and access to alternative investments.

Tammy Paquette is a financial advisor with LPL Financial in Phoenix, AZ, holding Series 66 and Series 63 designations and bringing 20 years of industry experience. She has worked at LPL Financial since 2014 and concurrently at Arizona State Credit Union since 2012. Outside of her advisory roles, she is involved in cattle business ownership through Lazy P Lazy P, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, third-party subadvisors, and advanced technologies in portfolio management.

Gavin Porter is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in financial planning and investment management strategies, focusing on understanding clients' personal perspectives and priorities to develop tailored short-, mid-, and long-term goals. Gavin provides guidance in areas such as family wealth management strategies, legacy planning, liquidity management, retirement income, portfolio management, and tax minimization. He holds a degree in Economics from Eastern Washington University and is designated as a Personal Investment Advisor (PIA). Gavin serves as a resource for a wide range of financial needs, including retirement planning, saving for unexpected expenses, and investment strategies. He also offers clients access to Bank of America specialists for banking, credit, home financing, and small business solutions. Outside of his professional work, Gavin enjoys basketball, football, pickleball, cooking, spending time with his family, traveling, and watching movies. His approach emphasizes creating personalized strategies based on what matters most to each client and their family.

Nancy Walker is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. She has been with Charles Schwab since 2012. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and a formal alternative investment process, supported by a large integrated structure and centralized operational services.

Scott Dewhurst is a financial advisor with LPL Financial in Peoria, AZ, holding the ChFC® and Series 63 designations. He has 39 years of industry experience, including 15 years with FSC Securities Corporation before joining LPL Financial in 2020. Dewhurst also operates Dewhurst Wealth Management as a business related to his advisory services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, financial institutions, and corporations through a national network. The firm offers financial planning, various advisory programs, and retirement consulting, with both discretionary and non-discretionary management supported by research and model portfolios.

John Wentworth is a financial advisor at Wells Fargo Clearing with 31 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and previously worked at Rw Baird Investments for 10 years. Outside of his advisory role, he is involved with Wentworth Property Company, which acquires and develops commercial real estate properties. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Nicholas Kolb is a financial advisor with Cambridge Investment Research Advisors in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. His career includes over a decade at Charles Schwab in various roles before joining Cambridge Investment Research Advisors in 2025. Outside of his advisory work, he serves as managing member and agent in real estate ventures. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement advisory services through a network of independent professionals. The firm provides both discretionary and non-discretionary investment solutions across multiple platforms and maintains proprietary model strategies alongside access to third-party managers.

Robert Smith is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and 15 years of industry experience. He has worked at various Charles Schwab entities since 2016, including Schwab Private Client Investment Advisory, Inc., and Charles Schwab Trust Bank. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary client relationships with access to discretionary separately managed accounts and alternative investments.

Frank Mancuso is a financial advisor with Merrill in Phoenix, AZ, holding a Series 66 designation and six years of industry experience. His background includes roles at Merrill Lynch Wealth Management and involvement with multiple educational institutions such as Pittsburg State University and Kansas State University. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and charitable organizations.

Kevin Loy is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation and previously worked at Vanguard Advisers, Inc., Vanguard Marketing Corporation, The Vanguard Group, Inc., and Northwestern Mutual. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary guidance and access to discretionary separately managed accounts. The firm is notable for its large client base, integrated operational structure, and multi-asset model portfolio approach.

Ryan Amy is a Certified Financial Planner (CFP®) with nine years of industry experience. He is currently affiliated with J.P. Morgan Securities in Phoenix, AZ, where he has worked since 2022. His prior experience includes roles at TFO Phoenix, Inc. and PricewaterhouseCoopers. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.