Cierra Cureton is a CFP® professional with six years of industry experience currently with Schwab Wealth Advisory, Inc. in Phoenix, AZ. Her prior roles include positions at Fidelity Investments and The Vanguard Group. Outside of her advisory work, she is employed as a banquet server at Caesars Entertainment. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning for clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab & Co.’s asset-allocation models and internal research to deliver tailored recommendations without discretionary trading authority.

Johnnie Harris is a financial advisor at Schwab Wealth Advisory with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Schwab Wealth Advisory and Charles Schwab since 2021. His prior experience includes roles at Financial Engines Advisors L.L.C., Sagepoint Financial, Inc., and Advisor Group in Arizona. Outside of advising, he is a part owner of Robinson Airport Shuttle, a transportation business. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice utilizes Schwab’s proprietary asset-allocation models and research tools, delivering tailored recommendations without exercising discretionary trading authority.

Jared Weiss is a CFP® with 25 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior roles include positions at The Vanguard Group, USAA, and Prudential, among others. Outside of finance, he has been involved with Desert Dogs Baseball and Pioneer Winter Wonderland. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance focuses on asset allocation and investment selection using Charles Schwab’s internal research tools and standard models, with client authorization required for all trades.

Taylor Bolm is a financial advisor at Focus Partners Wealth, LLC with one year of industry experience. He holds a Series 65 designation and has experience working at Kovitz Investment Group Partners, LLC. Outside of financial advising, he has been involved with Silverleaf Country Club since 2019. Focus Partners Wealth, LLC serves individuals, families, family offices, and institutional clients with wealth management, financial planning, and investment advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach that combines active and passive strategies, third-party managers, and private funds.

Paul Nacario is a financial advisor with Creative Planning holding Series 63 and Series 65 credentials and 32 years of industry experience. He previously worked at Innovest Portfolio Solutions, LLC and ICMA Retirement Corporation. Paul is based in Scottsdale, AZ. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals and institutional clients. The firm employs a financial-planning-led investment approach that combines low-cost indexing, buy-and-hold strategies, and selective private market exposure.

Jeffrey Poitras is a financial advisor with Voya Financial Advisors, Inc. based in Scottsdale, AZ. He holds Series 63 and Series 66 licenses and has 25 years of industry experience. His prior work includes roles at Fidelity Investments and The Vanguard Group. In addition to his advisory role, he is involved in the sales of fixed insurance products through Water Tower Financial. Voya Financial Advisors, Inc. is an enterprise-scale advisory and broker-dealer affiliate serving individuals, high-net-worth clients, pension plans, and corporate clients. The firm offers financial planning, portfolio management, unified managed account programs, and retirement-plan advisory services, employing both discretionary and non-discretionary strategies supported by technology-enabled tools and a broad selection of investment products.

Anthony Blair is a financial advisor with J.W. Cole Advisors, Inc. in Scottsdale, AZ, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has been with J.W. Cole Advisors since 2016 and is also involved with Agrandar Associates, Inc. outside of the firm. Blair is a limited partner in a dude ranch in Arizona and a partner in a low-income home building project in Puerto Penasco, Mexico. J.W. Cole Advisors is an SEC-registered investment adviser that serves individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm offers portfolio management, financial planning, access to third-party managers, and multiple managed account solutions, with investment decisions implemented on discretionary or non-discretionary bases.

Janice Guinn is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Private Advisor Group, LLC since 2022. She previously worked at Oppenheimer for 12 years and spent two years as a self-employed paraplanner. Guinn also operates Guinn Financial Planning LLC, an independent financial services practice. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering portfolio management, financial planning, and retirement plan consulting. The firm utilizes a fiduciary-based advisory model and incorporates technology platforms alongside various investment strategies, often implementing advice through third-party managers and TAMPs.

Joanna Peters is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. She has held roles at Vanguard, Fidelity Brokerage Services, and Charles Schwab, among others. In addition to her advisory work, Joanna teaches virtual courses as an adjunct faculty member at Grand Canyon University. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm emphasizes client-authorized trades and uses Charles Schwab’s asset allocation models and research tools to tailor recommendations based on clients’ goals and risk tolerance.

Thomas Deichert is a CFP® with 42 years of industry experience, currently affiliated with Commonwealth Financial Network and operating Wealth Solutions By Design, PLLC. He has provided tax preparation services through his firm in addition to his advisory work. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm offers a comprehensive adviser-support platform that includes managed-account programs, third-party asset manager access, and custody services.

Karl Jacobsen is a ChFC® and Series 63 credentialed financial advisor with 37 years of industry experience. He has worked at SPC and SIGMA Financial Corporation since 2019 and previously spent nine years at Berthel Fisher & Company Financial Services, Inc. Outside of his advisory work, Jacobsen serves as vice president of the Friends of Decorah Fish Hatchery, a nonprofit focused on fundraising for facility improvements, and is active in local community organizations including the Great Lights Masonic Lodge and the Decorah Lions Club. SPC serves individual clients, charitable organizations, corporations, and employer-sponsored retirement plans through a network of over 460 advisers managing approximately $5.66 billion in assets. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services, delivering strategies based on client suitability and providing both discretionary and nondiscretionary management options.

Emily Collins is a financial advisor at Schwab Wealth Advisory with eight years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Charles Schwab, Charles Schwab Bank, Bank of America, and Discover Financial Services. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients in the Schwab Wealth Advisory program. The firm uses Charles Schwab & Co.’s asset-allocation models and research tools to tailor recommendations based on client goals and risk tolerance, executing trades only with client authorization.

Philip Whittaker is a CFP® professional with seven years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior work includes roles at The Vanguard Group and The Prudential Insurance Company of America. He is based in Phoenix, AZ. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm emphasizes asset allocation and investment selection through Charles Schwab’s proprietary models and offers tailored, point-in-time wealth management consultations without discretionary trading authority.

Carol Joyce is a financial advisor with United Planners Financial Services of America and holds Series 66 and Series 63 designations. She has 17 years of industry experience, including roles at Bulman Wealth Group and Able Financial Group LLC. Joyce is also active as a non-variable insurance agent in Cave Creek, AZ. United Planners Financial Services is a national wealth-management firm serving a broad client base including individuals, retirement plans, and institutional clients. The firm manages approximately $12.77 billion in assets through a mix of advisory and brokerage services, with a focus on non-discretionary, client-directed account management.

Trevor Willems is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2016, including roles at Charles Schwab Bank and Schwab Wealth Advisory. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and other referred clients. The firm utilizes Charles Schwab & Co.’s asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance, with trades executed only upon client authorization.

Joshua Lustbader is a financial advisor with Beacon Pointe Advisors, LLC, holding Series 63 and Series 65 credentials and three years of industry experience. His prior roles include positions at Stonegate Capital Advisors, The Vanguard Group, Fisher Investments, Paladini Financial Management, and RegentAtlantic. Beacon Pointe Advisors, LLC provides wealth advisory, consulting, financial planning, retirement-plan platform services, and outsourced chief investment officer services to individuals, corporations, pension and profit-sharing plans, and other institutional clients. The firm uses a combination of asset-allocation modeling and third-party independent managers, employing both active and passive strategies across public and private asset classes.

Marli Smythe is a financial advisor with United Planners Financial Services of America, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. Her prior roles include positions at PFG Advisors, Securities America, and Cue Financial Group. She is also the managing partner of Sparrow Financial, LLC, a marketing entity based in Glendale, AZ. United Planners Financial Services serves a diverse client base including individuals, corporations, and institutional clients, offering financial planning, portfolio management, retirement plan services, and brokerage solutions through an open-architecture platform with multiple custodians and third-party money managers.

Troy Lingley is a financial advisor with PNC Wealth Management in Gilbert, AZ, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. His prior experience includes long tenure at Edward Jones and roles at Charles Schwab and Fisher Investments. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account currently available as an invitation-only employee pilot. The firm utilizes algorithm-driven portfolio selection with investments implemented via approved model strategies using mutual funds and ETFs.

Beth Yost is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 designations and 22 years of industry experience. She has been with Charles Schwab since 2004. Outside of her advisory role, she provides dog sitting services through the Rover.com platform. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a blend of non-discretionary and discretionary investment advisory services through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm’s integrated structure combines advisory, brokerage, custody, and cash-sweep services across multiple wrap programs.

Daniel Schneider is a financial advisor at Charles Schwab with 14 years of industry experience. He holds the Series 66 designation and has worked in various capacities including at 1ST Global Capital Corp., 1st Global Advisors Inc., and Schneider & Associate, CPAs, P.C. He serves as a parish council member and treasurer for St George Antiochian Orthodox Church, where he is involved in budgeting and financial oversight. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management services supported by a large, integrated platform.