Ivan Rodriguez Flores is a financial advisor at Vanguard Advisers with four years of industry experience. He holds the Series 66 and Series 63 designations and has worked in various roles at Vanguard-affiliated entities since 2022. His prior experience includes positions in behavioral services and higher education. Vanguard Advisers provides automated and human-supported investment advice through digital and personal advisor services to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach utilizing proprietary models and primarily invests in Vanguard funds and ETFs, offering a range of customization options and scalable portfolio management.

Laura Navarro is a financial advisor at Merrill with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill since 2014, also working with Bank of America since 2019. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Konrad Osa is a CFP® professional with six years of industry experience currently at Vanguard Advisers. He has been affiliated with various Vanguard entities since 2018 and has a background that includes service in the United States Air Force Reserve since 2016. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to portfolio construction, emphasizing personalized asset allocations with a focus on Vanguard funds and ETFs.

Ramona Bachman is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has been with Merrill since 2013. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Christine Baim is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. She has been with Merrill since 2012. Outside of her advisory role, she is a co-owner of family rental properties in Indiana and Arizona. Merrill, along with its affiliate Managed Account Advisors LLC, 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 a variety of client types.

David Banen is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. His previous roles include positions at Bank of America, The Vanguard Group, and GoDaddy.com. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

William Pope is a financial advisor with Vanguard Advisers in Scottsdale, Arizona, holding Series 63 and Series 66 licenses and having nine years of industry experience. He has been with various Vanguard entities since 2017, including Vanguard Advisers, Inc., Vanguard Marketing Corporation, and The Vanguard Group, Inc. Prior to Vanguard, he spent four years at the University of Arizona. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to create personalized portfolios primarily composed of Vanguard funds and ETFs, and manages a large client base through a combination of digital platforms and a team servicing model.

Rochelle Martinez is a financial advisor at Edward Jones in Tempe, AZ, holding Series 63 and Series 66 registrations with 18 years of industry experience. She has been with Edward Jones since 2009. Outside of her advisory role, she works as a sales associate at Old Navy, performing duties such as fitting room attendant, cashier, and sorting clothes. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Kahri Thompson is a financial advisor with Edward Jones in Mesa, AZ, holding a Series 66 designation and four years of industry experience. Prior to joining Edward Jones in 2022, Kahri worked at LoanDepot and held various roles in the legal sector and hospitality industry. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies, tax-efficient services, and operates under a fiduciary standard.

Cinnamon Brickner is a financial advisor at Vanguard Advisers with six years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Bank, N.A., and has held roles at Scottsdale Community College and Discover Financial Services. She holds Series 66 and Series 63 licenses. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans, using a goal-based, algorithm-driven approach with portfolios constructed largely from Vanguard funds and ETFs. The firm manages a large client base through its digital platform combined with advisor support.

Nathaniel Johnson Jr. is a financial advisor with Morgan Stanley in Tempe, AZ, holding Series 66 and Series 63 licenses and six years of industry experience. His prior roles include positions at The Vanguard Group and TEKsystems. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning and advisory programs supported by firm-approved tools and investment research.

Donald Sullivan is a financial advisor at Edward Jones in Gilbert, AZ, holding a Series 66 designation with four years of industry experience. His prior roles include positions at Allied First Bank, loanDepot, Yelp, Freedom Financial Network, Lendmark, and United Auto Credit. Outside of his advisory work, he co-owns a rental property in Gilbert, AZ. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment strategies, including discretionary and non-discretionary wrap fee programs and separately managed accounts. The firm manages over $1 trillion in assets through a large network of advisors and branch offices, offering additional services such as tax-efficient portfolio management and securities-based lending under a fiduciary standard.

Timothy Saeli is a CFP® certificant with nine years of industry experience, currently serving at Vanguard Advisers, Inc. since 2022. He owns TJSales Enterprises, LLC, an e-commerce business based in Scottsdale, AZ. Prior to Vanguard Advisers, he has held roles at The Vanguard Group and Vanguard Marketing Group, as well as positions at Wake Forest University. Vanguard Advisers provides automated and human-supported investment advice to retail investors and retirement plan participants. The firm employs a goal-based, algorithm-driven approach with portfolios primarily constructed from Vanguard funds and ETFs, emphasizing scale and digital delivery across a broad client base.

Leticia Romero is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Her prior roles include positions at Bank of America, N.A., DoorDash, and Wells Fargo. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies developed by internal and third-party managers.

Joshua Jerger is a financial advisor at Merrill with 13 years of industry experience. He holds the Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2013. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies designed by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Lauren Costello is a CFP®-certified financial advisor with 27 years of industry experience. She currently works at Edward Jones, where she has been since 2018. Her prior experience includes roles at JP Morgan Securities LLC, JP Morgan Chase Bank, Investment Centers of America, EF Legacy Securities, and Edelman Financial Services. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of investment strategies including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and manages approximately $1.01 trillion in assets.

Margaret Bergan is a ChFC®-designated financial advisor with Cambridge Investment Research Advisors, based in Scottsdale, AZ, with 25 years of industry experience. She has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2011. Outside of her advisory role, she owns Peggy Bergan LLC, which provides teaching and speaking engagements on financial literacy, and she volunteers as a teacher with Junior Achievement. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers a range of financial planning and investment management services through a network of independent financial professionals, utilizing proprietary models and access to third-party strategies across multiple custody and platform arrangements.

Zina Shekay is a financial advisor with Morgan Stanley in Tempe, AZ, holding a Series 66 credential and seven years of industry experience. She has previously worked at Merrill and several other firms, including The Resource Link and Advisor Group. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services through a structured planning process without providing individual security recommendations as part of standalone plans.

Curtis Carr is a CFP® with 12 years of industry experience, currently advising at Vanguard Advisers since 2014. He is based in Scottsdale, AZ, and holds Series 63 and Series 65 licenses. Outside of his advisory role, he is the owner of Meadowhill, LLC, a real estate lending business. Vanguard Advisers offers both automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to create personalized asset allocations, managing a large client base through its digital platform and extensive advisor team.

Alan Tarbet is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. He specializes in supporting families and young professionals navigating financial planning amid life transitions, with a focus on building wealth and minimizing lifetime tax burdens. Alan's bilingual ability in English and Spanish enables him to work extensively with Hispanic small business owners and families, assisting them in reviewing cash flows, balance sheets, and prioritizing personal and business financial goals. Alan holds a Bachelor's Degree from Brigham Young University and holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). His expertise encompasses legacy planning, personal retirement planning, portfolio management, small business strategies, sports and entertainment, tax minimization, and retirement income. Outside of his professional work, Alan enjoys basketball, golfing, hiking, scuba diving, and spending time with his family.