Cindy Mercado is a financial professional with 30 years of industry experience, currently affiliated with Cetera. She holds Series 63 and Series 66 designations and has worked at multiple firms including Voya Financial Advisors and 1st Global Advisors. In addition to her advisory work, she provides notarial services upon request. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning options, supporting over 10,000 advisors and roughly 800,000 clients.

Larry Osborne is a financial advisor with Wells Fargo Clearing in Mesa, AZ, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. Outside of his advisory role, he is involved in managing rental properties in the Tempe, AZ area. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Aidan Mc Coyd is a financial advisor at Charles Schwab with one year of industry experience. He holds the Series 66 designation and has worked at Charles Schwab and Charles Schwab Bank since 2024. Prior to his advisory role, he spent eight years at Chicago Golf Club and dedicated several years to full-time education. Charles Schwab 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a broad range of investment options supported by centralized custody and due diligence resources.

Joel Cortese is a financial advisor at Charles Schwab with Series 63 and Series 66 designations and three years of industry experience. His prior work includes roles at Charles Schwab Bank, SSB, and Charles Schwab & Co., Inc., as well as positions in retail merchandising services and landscaping. He also attended Grand Canyon University and completed full-time education prior to his financial career. 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 a combination of non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios, alternative investment due diligence, and centralized custody and supervisory structures.

Kyle Cady is a financial advisor with Raymond James & Associates in Phoenix, AZ, holding Series 66 and Series 63 licenses with five years of industry experience. His prior roles include positions at Vanguard Group and Cetera firms. Raymond James & Associates serves a broad client base including individuals, institutions, and charitable organizations, offering financial planning and non-discretionary investment consulting supported by a nationwide adviser force and a range of portfolio management styles.

Darren Wright is a financial advisor with MassMutual Investors Services in Scottsdale, AZ, holding Series 63 and Series 65 licenses and over 30 years of industry experience. He has been affiliated with MassMutual Life Insurance Company and MML Investors Services since 2000. Outside of his advisory role, he is an author of a financial book and involved in a film acting business. MML Investors Services, LLC is a subsidiary of MassMutual that offers financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm structures planning as annual collaborative engagements using firm-approved software and provides various programs including educational seminars and specialized event-driven planning services.

Jennifer Koenig is a financial advisor with Cetera in Phoenix, AZ, holding Series 63 and Series 65 licenses and 17 years of industry experience. Her prior roles include positions at Foresters Financial and Foresters Advisory Services. She is also the owner of Jennifer Hope, LLC. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Mac Arthur Morrison is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials and four years of industry experience. He previously worked at Vanguard and MAP Strategies before joining JPMorgan Chase Bank and JPMorgan Securities. 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 additional brokerage and investment management capabilities.

Angela Howard is a financial advisor with UBS Financial Services in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has been with UBS since 2008. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, including fiduciary financial planning and a broad platform of capital markets services.

Grant Gunderson is a financial advisor at Morgan Stanley in Tempe, AZ, holding a Series 66 designation with one year of industry experience. His prior work includes roles at First Command Brokerage Services, Inc. and other related firms. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers planning services that incorporate market modeling techniques without recommending individual securities as part of standalone plans.

Robert Alt is a financial advisor with Edward Jones in Gilbert, AZ, holding a Series 66 designation and bringing 11 years of industry experience. He has worked at Edward Jones since 2016 and previously held roles at AIG, SagePoint Financial, and Veterans Sourcing from 2014 to 2016. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and has a large national network of advisors and branch offices.

Scott Viesselmann is a financial advisor with Cambridge Investment Research Advisors, holding Series 63, 65, and 66 licenses and possessing 47 years of industry experience. He has been with Cambridge Investment Research Advisors since 2005 and also operates Scott Viesselmann, Inc. Additionally, he serves as a board member for 4Vet's, a veteran support organization. Cambridge Investment Research Advisors is a large SEC-registered firm that provides financial planning, investment management, retirement plan advisory, and financial wellness services to a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers multiple investment solutions through a network of independent professionals, employing both proprietary and third-party strategies across various custody and platform arrangements.

Jacob Spencer is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. His prior work includes roles at Charles Schwab Bank, SSB, and a variety of positions outside the financial sector, including a year at Eggstasy and earlier education-related roles. Charles Schwab & Co., Inc. serves a large client base mainly consisting 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 combines non-discretionary advisory relationships with access to affiliated discretionary separate managed accounts and offers a multi-asset model portfolio approach supported by centralized custody and integrated operational infrastructure.

Mitchell Layton is a financial advisor with Raymond James Financial, holding a Series 66 designation and 13 years of industry experience. His prior roles include service at LPL Financial and ongoing involvement with Layton Holdings, a business he owns. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and supports client implementation through advisory programs, with a notable focus on municipal and public finance advisory services.

Davis Stewart is a financial advisor at Morgan Stanley in Tempe, AZ, holding Series 63 and Series 65 licenses with one year of industry experience. Prior to joining Morgan Stanley in 2024, he was involved in various roles including at The Heights Golf Club and Bladium Sports and Fitness Club. Outside of his advisory work, he operates a retail business specializing in buying and reselling sports cards and sports memorabilia. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market simulations.

Stephen Gilbert is a financial advisor with LPL Enterprise, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Pruco Securities, W&S Brokerage Services, Western & Southern Life, Bankers Life Securities, and AB Analytics. He is based in Phoenix, AZ. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, and access to model portfolios and third-party asset management, utilizing an integrated platform that combines advisory programs with brokerage and insurance product sales.

Jeremy Schoenhoft is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and 17 years of industry experience. He has held roles at Charles Schwab & Co., Inc. since 2008 and Charles Schwab Bank since 2020. Outside of his advisory work, he is a silent partner and investor in Rosho LLC, an internet services business. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment options, supported by a multi-asset allocation approach and a centralized operational structure.

Julian Sanchez is a financial advisor at UBS Financial Services with 10 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at Charles Schwab & Co., Inc. from 2016 to 2019 before joining UBS in 2020. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor strategies for clients.

Madison Ortmeyer is a financial advisor with Charles Schwab in Scottsdale, AZ, holding a Series 66 designation and one year of industry experience. Prior to joining Charles Schwab, Madison focused on full-time education from 2020 to 2024. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering both non-discretionary and discretionary investment options supported by in-house research and alternative investment programs.

Christine Sorensen is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and with 10 years of industry experience. She has been with Charles Schwab since 2014. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment options, supported by multi-asset model portfolios and centralized operational infrastructure.