Jacob Guttman is a financial advisor with CWM, LLC based in Phoenix, AZ. He holds Series 63 and Series 65 licenses and has nine years of industry experience. His prior roles include positions at Rosevest Financial, Geneos Wealth Management Inc, and United Planners. Outside of advisory work, he manages several business ventures including JAG Ventures LLC, Guttman Tax Advisory Group LLC, and Guttman Financial Group. CWM, LLC is an SEC-registered investment adviser serving a diverse client base that includes individuals, high-net-worth families, foundations, and institutional clients through a network of more than 600 advisors. The firm offers portfolio management, financial planning, and retirement-plan services, utilizing an investment approach that combines fundamental and technical analysis, third-party sub-advisors, and customization tools.

Brittney Deese is a financial advisor with United Planners' Financial Services of America, holding a Series 66 designation and 11 years of industry experience. Her prior roles include positions at Northwestern Mutual Wealth Management Company and M Scott Henegar. She is based in Scottsdale, AZ. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, and institutional clients. The firm operates an open-architecture platform with multiple custodians and money managers, offering both fee-based and commission-based options through a network of 477 independent advisors.

Jesus Zepeda Castro is a CFP® professional with two years of industry experience. He currently works at Savant Wealth Management and previously held roles at Lido Advisors, Creative Planning, and Sonmore Financial. Savant Wealth Management serves individuals, families, pension and profit-sharing plans, charitable organizations, corporations, and high-net-worth clients with comprehensive wealth management and related services. The firm combines evidence-based, model-driven asset allocation with actively managed strategies and maintains integrated accounting, legal, and trust affiliates.

Chadi Mneiny is a CFP® with nine years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. He previously worked for The Vanguard Group, Inc. for over eight years before joining Charles Schwab & Co., Inc. and Schwab Wealth Advisory in 2026. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice primarily to clients enrolled in the Schwab Wealth Advisory program, utilizing Schwab’s asset allocation models and research tools to support client-directed investment decisions. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, distinguishing its service model from many other wealth managers.

Tod Ross is a financial advisor with Principal Financial Services in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. His prior roles include positions at Equitable Advisors, Allstate Financial Services, PFS Investments, and Primerica Financial Services. He is also registered as a representative for fixed insurance products such as life, disability, annuities, and long-term care. Principal Securities provides brokerage and registered investment advisory services to a wide range of clients, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers financial planning, retirement plan consulting, and access to third-party money manager solutions, utilizing both adviser and promoter arrangements to support client investment management.

James Hebets II is a financial advisor with Kestra Advisory in Phoenix, AZ, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has been with Kestra Advisory since 2016 and Kestra Investment Services, LLC since 2012. Outside of advisory work, Hebets serves on multiple nonprofit boards including Future For Kids, Honor Health Foundation, and Finseca Foundation, and he is the owner and CEO of Life Masters Classes, a lead generation and education content business. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base, including institutional and individual investors. The firm offers fiduciary consulting, plan design, employee education, and access to multiple management platforms, serving large clients such as sovereign wealth funds and pooled employer plans.

Hunter Giboney is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. His prior experience includes roles at Charles Schwab, Charles Schwab Bank, Ameriprise Financial Services, Zeiders Enterprises, and AllState Insurance Company. He holds Series 63 and Series 66 registrations. 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. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice through standardized asset allocation models while leaving final trading decisions to clients.

Edward Dulin Jr. is a financial advisor at Mariner with 31 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Mariner Wealth Advisors since 2019. His prior experience includes roles at Msec, LLC, Bank of America, NA, and Merrill. Outside of advisory work, he owns a business focused on buying, fixing, and selling homes. Mariner serves a broad range of clients, including high-net-worth individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement plan consulting, and tax services. The firm employs customized, discretionary portfolios supported by in-house research and third-party managers, with additional capabilities in tax integration and family office services.

Rylee Good is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and based in Phoenix, AZ. Good has one year of industry experience and previously worked in the food service industry before entering financial services. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering services such as financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates internally within the Schwab ecosystem and does not charge clients directly for its services.

Alexander Engel is a financial advisor at Empower Advisory Group with a Series 66 designation and one year of industry experience. He previously worked at Empower Financial Services, Summit Funding, and FirstBank. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain IRA and retail brokerage account holders. The firm’s services integrate proprietary and third-party methodologies focused on long-term portfolio returns and client savings rates within a large-scale advisory model.

Robert Zinn is a financial advisor with Transamerica Retirement Advisors, LLC in Goodyear, AZ, holding Series 63 and Series 65 licenses and seven years of industry experience. His prior roles include positions at The Vanguard Group, Mass Mutual, and Mutual of Omaha. Transamerica Retirement Advisors serves employer-sponsored retirement plan participants and IRA owners through managed advice programs and investment education services, employing proprietary tools from Morningstar Investment Management for portfolio construction and oversight. The firm operates at scale with over 200,000 clients and focuses on non-discretionary asset management rather than high-net-worth or standalone financial planning.

Joshua Davis is a financial advisor at Cerity Partners LLC with prior experience at Baseline LLC and Taza LLC, spanning a combined 21 years in related roles. He holds Series 65 and Series 63 licenses and is based in Scottsdale, AZ. Cerity Partners provides customized wealth management and related services to a diverse national client base, including individuals, families, trusts, business entities, charitable organizations, and institutional investors. The firm employs tailored asset allocation, manager selection, and periodic rebalancing supported by proprietary quantitative screens and a range of investment options, including private-market offerings and affiliated pension consulting.

Jennifer Senft is a financial advisor at TIAA-CREF with 20 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, Vanguard Advisers, Inc., and operated her own advisory business. Senft’s experience also includes a role with Overstock Voice. TIAA-CREF Individual & Institutional Services provides financial planning and managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected through TIAA-administered employer retirement plans. The firm offers discretionary management with varying portfolio customization and acts as adviser to a donor-advised fund sponsored by Charityvest.

Steven Schulman is a financial advisor with Money Concepts Capital Corp, holding Series 63 and Series 66 credentials and bringing 24 years of industry experience. He has worked with Money Concepts Capital Corp since 2018 and has been affiliated with Ameriprise Financial Services, Inc. since 2009. Money Concepts Advisory Service (MCAS) provides portfolio management, financial planning, and consulting to a diverse client base including individuals, pension plans, trusts, charitable organizations, and corporations. The firm uses a combination of model portfolios, advisor-designed portfolios, and third-party sub-advisers, applying fundamental and technical analysis alongside modern portfolio theory to manage assets across discretionary and non-discretionary account structures.

Tamara Mark is a financial advisor at Beacon Pointe Advisors, LLC with 11 years of industry experience. She holds the Series 66 and Series 63 designations and previously worked at Landmark Wealth Management Group, Purshe Kaplan Sterling Investments, and Thrivent Financial. In addition to her advisory role, she is an agent with Beacon Pointe Insurance Services, LLC, involved in the sale of life and health insurance products. Beacon Pointe Advisors provides wealth advisory, consulting, and outsourced chief investment officer services to individual and institutional clients. The firm combines proprietary asset-allocation modeling with third-party independent managers and offers both active and passive investment strategies across public and private asset classes.

Chad Sager is a financial advisor at Schwab Wealth Advisory with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and its affiliated entities since 2013. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses standard asset allocation models and Schwab research tools to recommend investments, with clients making final trading decisions, and conducts at least annual account reviews without exercising discretionary trading authority.

Shane Stevenson is a financial advisor at Brookstone Capital Management LLC with two years of industry experience. He holds the Series 65 designation and has previously worked at Winston & Companies Retirement and Financial Services, among other firms. Outside of his advisory role, Stevenson is involved in insurance sales. Brookstone Capital Management is an SEC-registered adviser that provides fee-based asset management and financial planning through a turnkey asset management platform and wrap-fee program. The firm serves a diverse client base, including individuals, retirement plans, corporations, charitable organizations, sovereign wealth funds, and banking institutions, offering discretionary investment management primarily via model portfolios and separately managed accounts.

Robert Carnegie III is a CFP® professional at Focus Partners Wealth, LLC with three years of industry experience. His prior roles include positions at The Colony Group, LLC, HoyleCohen, LLC, Huntington Bank, and BNY Mellon. Focus Partners Wealth serves individuals, high-net-worth families, family offices, and institutional clients with wealth management, financial planning, and advisory services. The firm utilizes a long-term, tax- and fee-sensitive investment approach combining active and passive strategies within an enhanced open architecture framework.

Jenna Thornton is a CFP® and ChFC® with 21 years of industry experience, currently affiliated with United Planners' Financial Services of America as a Limited Partner. She has held various roles since 2008, including involvement with Synergy Accounting Solutions and co-ownership of Black Bear Market, LLC, a personalized products business. Thornton also serves as secretary/treasurer of the Washington Park HOA in Payson, AZ. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base through independent advisors. The firm manages approximately $12.77 billion in assets, primarily on a non-discretionary basis, and supports advisors with a limited-partnership ownership structure and advisor transition programs.

Devan Carlin is a financial advisor with PlanMember Securities Corporation in Scottsdale, AZ, holding Series 65 and Series 63 credentials. He has one year of experience in financial advising and has worked at PlanMember since 2025. Carlin also has a background in IT systems engineering as a senior software platform administrator for American Airlines, where he has been employed since 2015. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm’s investment process uses a top-down strategic asset allocation framework with risk-based mutual fund portfolios and offers education and support services including seminars and personalized retirement planning.