Jaron Carmichael is a financial advisor with Mercer Global Advisors Inc. in Scottsdale, AZ, holding CFP®, PFS™, and Series 65 credentials and bringing 17 years of industry experience. Prior to joining Mercer, he operated Rowland Carmichael Advisors, Inc. for 13 years. Outside of advisory roles, Carmichael is a CPA who owns and operates a tax preparation business. Mercer Global Advisors provides investment advisory and planning services to individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm employs a Modern Portfolio Theory-based approach with globally diversified, risk-appropriate portfolios and offers a range of implementation options and affiliated service lines.

Mary Wilcox is a CFP® with 30 years of industry experience, currently serving at J.W. Cole Advisors, Inc. since 2003. She has held roles at Wilcox Tax and Financial Advisors LLC and Jonathan Roberts Financial Group, Inc., among others. Outside of financial advising, she is involved with High Country Alpacas, LLC, where she acts as treasurer and marketing consultant for a business focused on breeding alpacas and selling alpaca fiber products. J.W. Cole Advisors is an SEC-registered firm that serves individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm offers portfolio management, fee-based financial planning, access to third-party managers, and multiple managed account solutions including digital advice platforms.

James Marsh is a financial advisor with United Planners' Financial Services of America and holds the Series 63 and Series 66 licenses. He has 13 years of industry experience and has worked in roles including mortgage loan originator and insurance producer. His prior experience includes positions at Rocket Mortgage and Amazon.com. United Planners Financial Services is a national wealth-management enterprise with approximately $12.77 billion in assets under management and over 350 advisors serving a diverse client base that includes individuals, retirement plans, corporations, and institutional clients. The firm offers advisory and brokerage services delivered through independent representatives and emphasizes a mix of custodians and third-party managers to implement investment strategies, with a majority of assets managed on a non-discretionary basis.

Eric Nielsen is a financial advisor at Schwab Wealth Advisory with 19 years of industry experience. He holds Series 63 and Series 66 registrations and has been with Schwab Wealth Advisory since 2012, following initial work at Charles Schwab & Co., Inc. beginning in 2007. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses Schwab’s asset allocation models and research tools to recommend investments, conducting at least annual account reviews while leaving final trading decisions to clients.

Chris Anoya is a CFA® charterholder with 13 years of industry experience. He has worked at Fisher Investments for 11 years and Fidelity Investments for 2 years before joining Schwab Wealth Advisory Inc. and Charles Schwab in 2025. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools to recommend investment allocations while leaving final trading decisions to clients.

Zackary Meier is a financial advisor at Schwab Wealth Advisory with two years of industry experience. He holds a Series 66 designation and has previously worked at Charles Schwab Bank, Charles Schwab & Co., Inc., The Boeing Company, Glendale Union High School District, and served in the Arizona Army National Guard. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations using Schwab’s asset allocation models and research tools.

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 31 years of industry experience, currently serving as an advisor with Commonwealth Financial Network and as a part owner of Ke Wealth Advisors. He previously worked at Ameriprise Financial Services, Inc. for 14 years. Schroeder is based in Tempe, AZ. Commonwealth Financial Network supports a national network of approximately 2,950 advisors, providing a range of advisory programs and back-office services including investment management, compliance, and technology. The firm offers customizable portfolio solutions and distinct program structures, serving both retail and institutional clients.

Michael Garmone is a financial professional with 18 years of industry experience, currently affiliated with CWM, LLC. He holds Series 63 and Series 65 licenses and has worked at firms including LPL Financial and Cetera Wealth Services. He is also the owner of Garmone Financial, LLC, a non-investment business used for administrative purposes. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a large network of advisors. The firm provides portfolio management, financial planning, and retirement plan services, employing discretionary management with model portfolios supported by an in-house Investment Committee and a mix of analytical tools and third-party resources.

Matthew Clay is a financial advisor with Steward Partners Investment Advisory, LLC, holding Series 63, 65, and 66 licenses and bringing 26 years of industry experience. His prior roles include positions at Ameriprise and Raymond James Financial Services. He is also the sole owner and CEO of MJC Investment Properties, LLC, which manages commercial office space leased to Steward Partners. Steward Partners Investment Advisory, LLC is an enterprise-scale SEC-registered RIA managing approximately $36.7 billion in assets. The firm serves individuals, pension plans, corporations, trusts, estates, and charitable organizations, offering a range of advisory and portfolio management services through both Steward Partners-branded solutions and selected third-party managers.

Jasmine Lee is a CFP®-designated financial advisor with Schwab Wealth Advisory, Inc. in Phoenix, AZ, bringing four years of industry experience. Her career includes roles at Charles Schwab & Co., Morgan Stanley, Merrill Lynch, and Navy Federal Credit Union. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Schwab's proprietary research tools and asset allocation models.

Robert Bowen is a financial advisor at Schwab Wealth Advisory with 23 years of industry experience. He holds a Series 66 designation and has worked previously at USAA Investment Management Company and USAA Financial Advisors Inc. Bowen operates out of Phoenix, AZ. Schwab Wealth Advisory, Inc. 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 uses Schwab’s research tools and standard asset allocation models, with final trading decisions made by clients.

Michael Peterson is a CFP® with nine years of industry experience, currently serving at Integrity Alliance, LLC. He has previously worked at Impact Wealth Management LLC and Bankers Life Advisory Services, Inc. In addition to his advisory role, Peterson engages in insurance brokerage through Key Retirement Solutions, providing clients with insurance gap solutions. Integrity Alliance is a large advisory enterprise with over 300 independent advisors managing approximately $5.4 billion in assets, offering a range of portfolio management, financial planning, and brokerage services to individual investors, corporations, and qualified retirement plans.

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 seven years of industry experience. Prior to joining Schwab Wealth Advisory in 2021, he worked at National Indemnity Company from 2015 to 2018. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using standard asset allocation models and Schwab research tools. The firm serves individual clients through annual reviews and investment recommendations, with final trading decisions left to clients.

Timothy Lambson is a CFP® professional at Schwab Wealth Advisory with 11 years of industry experience. He has been with Charles Schwab & Co., Inc. since 2015 and joined Schwab Wealth Advisory in 2018. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using standard asset allocation models and Schwab research tools. The firm conducts annual account reviews and offers investment recommendations across a range of asset classes, while clients retain final decision-making authority.

Michael Fetsko is a Series 65-licensed advisor with Focus Partners Wealth, LLC in Scottsdale, AZ, where he has worked since 2026. He has one year of industry experience and previously worked at MAI Capital Management, Wells Fargo Advisors, and Liberty Home Mortgage. Focus Partners Wealth serves a diverse client base including individuals, high-net-worth clients, family offices, corporations, retirement plans, and institutions. The firm employs a long-term, tax- and fee-sensitive investment approach utilizing fundamental and quantitative analysis alongside a network of affiliated service companies and product relationships.

Sonya Valentin is a financial advisor with Empower Advisory Group in Tolleson, AZ, holding a Series 66 designation and 10 years of industry experience. Her prior roles include positions at J.P. Morgan Securities LLC, Morgan Stanley, and The Prudential Insurance Company of America. She is also the owner of Shopalot LLC, an e-commerce business. 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 integrates its services with Empower’s recordkeeping and administrative platforms and emphasizes long-term portfolio returns and client savings rates in its financial planning.

Jacob Schuerman is a financial advisor at Empower Advisory Group with three years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses. Prior to joining Empower Advisory Group, he worked at The Vanguard Group and Empower Financial Services, and he has served in various roles including at the University of Arizona and in community involvement through the Tempe Church of Christ’s Financial Stewardship Ministry Team. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm uses an integrated model tied to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Brian Stauss is a financial advisor with Schwab Wealth Advisory, Inc. based in Phoenix, AZ. He holds Series 63 and Series 66 designations and has 20 years of industry experience. His work history includes roles at Charles Schwab and Co., Inc. and USAA in various financial planning and advisory capacities. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations across a broad range of securities. The firm delivers advice through Charles Schwab’s asset allocation models and research tools, with final trading decisions made by clients.