Retail Merchandise Financial Planner LESLIES POOLMART INCRetail Merchandise Financial PlannerPhoenix, AZFull timep>The Merchandise Financial Planner partners with the Inventory Planner, Category Director and Channel Leads to develop and execute merchandise financial plans that support company growth, profitability, and overall merchandising strategy. We operate an integrated ecosystem of 900+ retail locations, backyard service and repair, a robust digital platform, and manufacturing and distribution divisions across 35+ states—enabling consumers to engage with Leslie’s whenever, wherever, and however they prefer to shop.
Client Support Representative OsaicClient Support RepresentativeScottsdale, AZ$50,000–$55,000 / yearPrior Experience or Exposure Including: Financial Services, Investment Advisory, Billing, Accounting, Customer Service, Advisor Support, Client Support, Operations Support, Account Management, Broker-Dealer, Financial Advisor, Support Representative, Customer Service Representative, Back Office Operations. We celebrate diversity in our workplace and we hire the most qualified candidates without regard for age, ethnicity, gender, gender identity or expression, language differences, nationality or national origin, family or marital status, physical, mental, and developmental abilities (or the perception of a disability), genetic information, race, religion or belief, sexual orientation, skin color, social or economic class, education, work and behavioral styles, political affiliation, military service, caste, or any other characteristic protected by law.
Centralized Financial Advisor ExcitingCentralized Financial AdvisorPhoenix, ArizonaOperating from a centralized office setting, this role serves as a key growth engine for the advisory platform, uncovering client needs, deepening relationships, and connecting clients to Financial Advisors when appropriate. Leverage strong judgment to recognize when advanced or complex planning is required and partner with/ refer clients to a Branch Financial Advisor to ensure comprehensive solutions.
Tesla Advisor, Sales Tesla IncTesla Advisor, SalesGlendale, AZYour role is essential in consistently delivering an educational, immersive, and exciting experience to both current and potential customers, exceeding client expectations from their initial showroom visit to their delivery day experience. For roles working in CA, CO, HI, ID, MD, MS, NV, NC, PA, TN, UT, VA, DC: This role requires you to possess a Motor Vehicle Salesperson License issued by the State Department of Motor Vehicles.
Advisor RealmAdvisorTempe, AZ$50,000–$65,000 / yearAdvisors help homeowners navigate major remodels, renovations, ADUs, new builds, and rebuilds — moving projects toward signed construction contracts with clarity around scope, budget, timeline, contractor fit, tradeoffs, risk, and confidence. Complex, high-value work: Projects range from $25K upgrades to $1M+ rebuilds, including kitchens, bathrooms, additions, ADUs, full-home renovations, new construction, and post-fire rebuilds.
NewFraud Analyst OsaicFraud AnalystScottsdale, AZ$65,000–$75,000 / yearWe celebrate diversity in our workplace and we hire the most qualified candidates without regard for age, ethnicity, gender, gender identity or expression, language differences, nationality or national origin, family or marital status, physical, mental, and developmental abilities (or the perception of a disability), genetic information, race, religion or belief, sexual orientation, skin color, social or economic class, education, work and behavioral styles, political affiliation, military service, caste, or any other characteristic protected by law. The Fraud Analyst will collaborate with business partners across the organization, advisors, supervisors, clearing firms, and external parties as necessary to conduct thorough investigations, mitigate losses, and protect clients and the Firm from fraud-related risks.
Financial Advisor - PNC Wealth Management The PNC Financial Services Group IncFinancial Advisor - PNC Wealth ManagementGilbert, AZIn addition, PNC generally provides the following paid time off, depending on your eligibility: maternity and/or parental leave; up to 11 paid holidays each year; 9 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service. PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be: Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions.
Business Advisor - Helping Entrepreneurial Companies Grow & Scale The Scalable CompanyBusiness Advisor - Helping Entrepreneurial Companies Grow & ScalePhoenix, AZWe deliver our flagship 16-week program, the Get Scalable Accelerator, as well two different flagship 12-month backend programs, the Scale & Exit Accelerator and Founders Board Mastermind – each of which are designed for bootstrapped entrepreneurs at different stages of their business. By combining best-in-class models and frameworks with access to peer masterminds and world-class mentors, we increase the odds of a successful outcome for entrepreneurs, their families, and their teams and customers.
Field Supervision Administrative Assistant II Edward D Jones & Co LPField Supervision Administrative Assistant IITempe, AZWhat You'll Do: May include some or all Administrative Assistant essential functions, plus: Utilizes knowledge of the firm's organizational structure, Forums, Division functions, and current initiatives to make appropriate connection points and update the head(s) as appropriate. Edward Jones' compensation and benefits package includes medical and prescription drug, dental, vision, voluntary benefits (such as accident, hospital indemnity, and critical illness), short- and long-term disability, basic life, and basic AD&D coverage.
NewTeam Leader Edward JonesTeam LeaderTempe, AZ$74,600–$122,8003+ years' management experience in financial services industry or 2+ years financial services experience along with 3+ years of non-industry specific leadership experience or successful completion of Leadership Development course required. Edward Jones’ Tailored Branch Support team is seeking a Team Leader to lead approximately 20 associates who support branch teams and clients through phone and written inquiries.
Certified Financial Advisor The Vanguard GroupCertified Financial AdvisorScottsdale, ArizonaVanguard has implemented a hybrid working model for the majority of our crew members, designed to capture the benefits of enhanced flexibility while enabling in-person learning, collaboration, and connection. Three years (Financial Advisor) or Five years (Senior Financial Advisor) of advisory experience, specifically in advice planning, book of business management, and relationship management.
Financial Advisor, Specialist Vanguard GroupFinancial Advisor, SpecialistScottsdale, AZServes as a subject matter expert on the financial planning, investment, product, service, and regulatory considerations unique to concierge participants, including exclusive offerings and applicable insider trading restrictions, to deliver informed and personalized guidance. Empower Decision-Making: Engage in virtual (both via phone and video calls), one-on-one sessions to provide timely and personalized financial advice, guiding participants through critical moments in their financial lives.
Financial Advisor Manager; Personal Advisor Services | High Net Worth Advice The Vanguard GroupFinancial Advisor Manager; Personal Advisor Services | High Net Worth AdviceScottsdale, ArizonaAs a Financial Advisor Manager within our High Net Worth Advice business, you'll lead a team of CFP® professionals who serve successful individuals and families with approximately $500,000 to $5 million in investable assets. This role is ideal for a leader who is passionate about developing talent, creating a culture of coaching and accountability, and helping advisors deliver exceptional client outcomes at scale.
Financial Advisor - TruStage Wealth Management LPL Financial Holdings IncFinancial Advisor - TruStage Wealth ManagementAZ$60,000–$100,000 / yearThis employment opportunity at TruStage located at TruStage Wealth Management in Remote, USA would allow you to join TruStage Wealth Management as a Financial Advisor working for TruStage and associated with LPL Financial. The Investment Program at TruStage Wealth Management supports the local community and you will be joining a team that is dedicated to helping members in every stage of their financial life.
Financial Advisor - Global Credit Union LPL Financial Holdings IncFinancial Advisor - Global Credit UnionScottsdale, AZ$60,000–$80,000 / yearThis employment opportunity at TruStage located at Global Credit Union in Scottsdale, AZ would allow you to join Global Credit Union as a Financial Advisor working for TruStage and associated with LPL Financial. The Investment Program at Global Credit Union supports the local community and you will be joining a team that is dedicated to helping members in every stage of their financial life.
Financial Advisor – Global Credit Union LPL FinancialFinancial Advisor – Global Credit UnionScottsdale, Arizona$60,000–$80,000 / yearThis employment opportunity at TruStage located at Global Credit Union in Scottsdale, AZ would allow you to join Global Credit Union as a Financial Advisor working for TruStage and associated with LPL Financial. The Investment Program at Global Credit Union supports the local community and you will be joining a team that is dedicated to helping members in every stage of their financial life.
Associate Financial Advisor - BMO Bank LPL Financial Holdings IncAssociate Financial Advisor - BMO BankPhoenix, AZ$100,000–$140,000 / yearThis employment opportunity at BMO Bank in Phoenix, AZ would allow you to join the Investment Program at BMO Bank as a Financial Advisor associated with LPL Financial. This exciting position will allow you to grow your career and business, helping the people and families that look to BMO Bank for financial solutions.
Senior Financial Planner LPL Financial Holdings IncSenior Financial PlannerTempe, AZ$76,323–$127,205 / yearThe firm provides a wide range of advisor affiliation models, investment solutions, fintech tools and practice management services, ensuring that advisors and institutions have the flexibility to choose the business model, services, and technology resources they need to run thriving businesses. As a leader in the financial advisor-mediated marketplace(6), LPL supports over 32,000 financial advisors and the wealth management practices of approximately 1,100 financial institutions, servicing and custodying approximately $2.3 trillion in brokerage and advisory assets on behalf of approximately 8 million Americans.
West Valley : Surprise / Sun City - Financial Advisor Desert Financial Credit UnionWest Valley : Surprise / Sun City - Financial AdvisorSun City, AZThe Financial Advisor applies a comprehensive planning approach across investments, retirement, risk management, and other wealth strategies to recommend appropriate solutions in the client's best interest. This role operates with appropriate guidance and oversight and is registered with Raymond James Financial, conducting business on behalf of the Investments & Financial Services program.
Financial Advisor Global Credit Union Home Loans LLCFinancial AdvisorScottsdale, AZ$60,000–$80,000 / yearStarting base salary will be determined based on candidate experience, qualifications, education, and applicable local or state wage requirements, and will fall within the range provided below. Coordinate with program partners to service accounts, assist with inquiries and information requests, and resolve any issues relating to products and services.
NewAdvance to Financial Planning Advisor Vanguard GroupAdvance to Financial Planning AdvisorScottsdale, AZAfter approximately 18-24 months, launch into a promotional position as a Mass Affluent Financial Advisor where you will work within a collaborative team model to build strong relationships with our clients, identify investment needs and provide tailored financial advice and portfolio management guidance. Our Advance to Financial Planning Advisor Program is a structured pathway designed to build the next generation of financial advisors-combining real-world client experience, intentional development, and a clear progression into a Financial Advisor role.
Financial Advisor - Veteran Transition Program (Arizona & New Mexico) WealthBridge Financial GroupFinancial Advisor - Veteran Transition Program (Arizona & New Mexico)Phoenix, AZ$125,000–$150,000Join WealthBridge Financial Group and be part of a passionate team dedicated to delivering exceptional service and fostering long-term client relationships. Collaboration with a network of industry experts and access to cutting-edge resources will enhance your ability to serve clients effectively.
Financial Advisor Series 7, 65 or 66 San Blas SecuritiesFinancial Advisor Series 7, 65 or 66Scottsdale, AZThis role offers a competitive commission-based compensation package & onboarding incentives, the opportunity to leverage an existing network of institutional clients, and the chance to be part of a dynamic and growing organization. About San Blas Securities: San Blas Securities is a rapidly growing, full-service investment bank and independent advisor network.
NewInternship Summer 2027 Wealth Advisor Group LPL FinancialInternship Summer 2027 Wealth Advisor GroupTempe, ArizonaToday, LPL is a leader in the markets we serve, serving more than 23,000 financial advisors, including advisors at approximately 1,000 institutions and at approximately 580 registered investment advisor ("RIA") firms nationwide. Fromcutting-edgeresources and a collaborative environment to the freedom to make an impact and more,you’llfind the ingredients you need at LPL Financial to shape your success while helping clients pursue their financial goals.
Senior Wealth Advisor Beacon Pointe Advisors LLCSenior Wealth AdvisorScottsdale, AZThe role partners closely with high-net-worth individuals and families to develop personalized financial strategies and help clients make the most informed decisions related to their wealth. Beacon Pointe Advisors is one of the nation’s largest Registered Investment Advisor firms with headquarters in Southern California and affiliate offices nationwide.
Senior Wealth Advisor Vanguard GroupSenior Wealth AdvisorScottsdale, AZYou will provide advice using ongoing portfolio management solutions targeting clients and prospects with portfolios of 5-15M in investable assets using Vanguard products and the fullest expression of our wealth management offer. As experts in the advice space, Wealth Advisors promote continuous professional development by maintaining an advanced understanding of financial planning, capital markets, and the financial industry, and are willing to coach and support their peers.
Experienced Financial Advisor - Independent Platform, Full Book Portability WealthBridge Financial GroupExperienced Financial Advisor - Independent Platform, Full Book PortabilityPhoenix, AZJoin WealthBridge Financial Group and be part of a passionate team dedicated to delivering exceptional service and fostering long-term client relationships. Collaboration with a network of industry experts and access to cutting-edge resources will enhance your ability to serve clients effectively.
Sales Operations Specialist, Advisor Sales Asset MarkSales Operations Specialist, Advisor SalesPhoenix, AZ$60,000–$70,000 / yearNurture, groom and enhance dashboards in Salesforce and CRM Analytics delivering actionable insights and critical data to accurately measure sales goals and KPIs achievement. Backed by a comprehensive suite of investment solutions and a trust company that boasts of $150B+ AUM, our platform empowers advisors to deliver exceptional service and an outstanding client experience.
New Grad January 2027 - Financial Service Professional (Tempe) LPL FinancialNew Grad January 2027 - Financial Service Professional (Tempe)Tempe, ArizonaThe firm provides a wide range of advisor affiliation models, investment solutions, fintech tools and practice management services, ensuring that advisors and institutions have the flexibility to choose the business model, services, and technology resources they need to run thriving businesses. As a leader in the financial advisor-mediated marketplace(6), LPL supports over 32,000 financial advisors and the wealth management practices of approximately 1,100 financial institutions, servicing and custodying approximately $2.3 trillion in brokerage and advisory assets on behalf of approximately 8 million Americans.
NewNew Grad Sumer 2027 - Financial Service Professional (Tempe) LPL FinancialNew Grad Sumer 2027 - Financial Service Professional (Tempe)Tempe, Arizona$23.18–$38.63 / hourThe firm provides a wide range of advisor affiliation models, investment solutions, fintech tools and practice management services, ensuring that advisors and institutions have the flexibility to choose the business model, services, and technology resources they need to run thriving businesses. As a leader in the financial advisor-mediated marketplace(6), LPL supports over 32,000 financial advisors and the wealth management practices of approximately 1,100 financial institutions, servicing and custodying approximately $2.3 trillion in brokerage and advisory assets on behalf of approximately 8 million Americans.
Career-Transition Partnership - For Financial Advisors Approaching Retirement WealthBridge Financial GroupCareer-Transition Partnership - For Financial Advisors Approaching RetirementTempe, AZJoin WealthBridge Financial Group and be part of a passionate team dedicated to delivering exceptional service and fostering long-term client relationships. Collaboration with a network of industry experts and access to cutting-edge resources will enhance your ability to serve clients effectively.
NewFinancial Service Professional (FSP) LPL Financial Holdings IncFinancial Service Professional (FSP)Tempe, AZ$21.10–$35.16 / hourThe firm provides a wide range of advisor affiliation models, investment solutions, fintech tools and practice management services, ensuring that advisors and institutions have the flexibility to choose the business model, services, and technology resources they need to run thriving businesses. As a leader in the financial advisor-mediated marketplace(6), LPL supports over 32,000 financial advisors and the wealth management practices of approximately 1,100 financial institutions, servicing and custodying approximately $2.3 trillion in brokerage and advisory assets on behalf of approximately 8 million Americans.
Wealth Management Advisor U.S. BancorpWealth Management AdvisorTempe, AZ$65,000–$80,200 / yearWMAs advise clients using U.S. Bank's Asset Management Group (AMG) or U.S. Bancorp Investment's open architecture where appropriate, to deliver economic and market views, investment strategy, manager/fund/security research and due diligence, and portfolio construction resulting in tailored investment management and insurance services based upon a client's unique situation. In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.
NewSenior Compliance Advisor - Vanguard Personalized Indexing (VPI) | Advice & Wealth Management Vanguard GroupSenior Compliance Advisor - Vanguard Personalized Indexing (VPI) | Advice & Wealth ManagementChandler, AZVanguard has implemented a hybrid working model for the majority of our crew members, designed to capture the benefits of enhanced flexibility while enabling in-person learning, collaboration, and connection. As a Senior Compliance Advisor supporting Vanguard Personalized Indexing Management (VPIM), you'll play a pivotal role in shaping the future of our personalized investment offering.
Financial Advisor - Arizona (Career Changer / New To Industry) WealthBridge Financial GroupFinancial Advisor - Arizona (Career Changer / New To Industry)Gilbert, AZJoin WealthBridge Financial Group and be part of a passionate team dedicated to delivering exceptional service and fostering long-term client relationships. Collaboration with a network of industry experts and access to cutting-edge resources will enhance your ability to serve clients effectively.
Wealth Management Advisor- Chandler AZ U.S. BancorpWealth Management Advisor- Chandler AZChandler, AZ$65,000–$80,200 / yearWMAs advise clients using U.S. Bank''s Asset Management Group (AMG) or U.S. Bancorp Investment''s open architecture where appropriate, to deliver economic and market views, investment strategy, manager/fund/security research and due diligence, and portfolio construction resulting in tailored investment management and insurance services based upon a client''s unique situation. In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.
Advisor Support Supervisor Advisor GroupAdvisor Support SupervisorScottsdale, Arizona$55,000–$58,000 / yearAs a Supervisor of Advisor Support, you will engage directly with our customers – over 11,000 Financial Professionals across the country, helping grow and support their firms while leading a team of Advisor Support phone professionals who do the same. The supervisor will be responsible for supporting the Advisor Support phone agents and answering questions related to the common call types we receive, including money movement, account maintenance, new account opening, etc.
Sr. Advisor, Operational Excellence Epcor Utilities IncSr. Advisor, Operational ExcellenceGlendale, AZBy analyzing historical data, applying critical thinking skills, and innovative problem solving, the Senior Advisor, Operational Excellence will enhance the team's ability to compete for new business, successfully execute projects and programs, reduce costs, improve profits, and deliver high customer satisfaction. When assigned to deliver a change management or employee adoption project, assess change needs and stakeholder impact, determine success measures, define or create the new expected employee behaviours, and design the approach and plan.
Financial Advisor - Arizona (Career Changer / New to Industry) WealthBridge Financial GroupFinancial Advisor - Arizona (Career Changer / New to Industry)Scottsdale, ArizonaJoin WealthBridge Financial Group and be part of a passionate team dedicated to delivering exceptional service and fostering long-term client relationships. Collaboration with a network of industry experts and access to cutting-edge resources will enhance your ability to serve clients effectively.
Advisor Realm Living IncAdvisorPhoenix, AZ$50,000–$65,000 / yearAdvisors help homeowners navigate major remodels, renovations, ADUs, new builds, and rebuilds - moving projects toward signed construction contracts with clarity around scope, budget, timeline, contractor fit, tradeoffs, risk, and confidence. Strong candidates may come from PropTech, ConstructionTech, real estate, mortgage, home services, insurance, hospitality, marketplace operations, financial advisory, or other high-trust customer-facing roles.
Senior Risk & Controls Associate - Digital Risk Management Edward D Jones & Co LPSenior Risk & Controls Associate - Digital Risk ManagementTempe, AZTeam Overview: As a part of the Digital Risk Management team, you'll assist management by working with the various domains within the Digital, Data, and Information Security organizations to help perform various activities related to the governance, risk, and compliance efforts of the enterprise. Edward Jones' compensation and benefits package includes medical and prescription drug, dental, vision, voluntary benefits (such as accident, hospital indemnity, and critical illness), short- and long-term disability, basic life, and basic AD&D coverage.
Registered Client Service Associate Morgan StanleyRegistered Client Service AssociateScottsdale, AZOur values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren't just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. ADMINISTRATIVE SUPPORT: ADMINISTRATIVE SUPPORT: Answering inbound phone calls or making outbound calls with updates on service requests (e.g., scheduling follow-up calls with FAs / PWAs / teams as needed).
Advisor Services Service Specialist AssetMark Financial HoldingsAdvisor Services Service SpecialistPhoenix, Arizona$60,000–$65,000 / yearOther successive roles lead to areas like an eService Specialist, who assist Advisors via email or Chat, or a Relationship Manager role that specializes in working with newer, growing financial advisors. The Advisor Services Service Specialist provides fast and reliable guidance to Financial Advisors and their Service Staff as they utilize the AssetMark platform to serve their clients’ investment and financial planning needs.
Loan Advisor DriveTimeLoan AdvisorMesa, ArizonaWe could spend a lot of time having you read about ALL our awards, but we’ll save time (and practice some humility) just naming a few others; Comparably Awards: Best Company for Diversity, Best Company Culture and Best Company Leadership, oh and don’t forget Phoenix Business Journal Healthiest Employers (okay, we’ll stop there)! Monitor and ensure regular follow up on all loan repayment agreements and analyze all customer accounts, Oversee all overdue accounts with help of automate systems and computers.
Senior Inside Sales Advisor (Remote/Mountain Time) A Place for MomSenior Inside Sales Advisor (Remote/Mountain Time)Phoenix, AZRemoteTogether, we simplify the senior care search with free, personalized support - connecting caregivers and their loved ones to vetted providers from our network of 15,000+ senior living communities and home care agencies. This is a high-activity, performance-driven inside sales role focused on re-engaging families, managing a pipeline of opportunities, and converting interest into move-ins.
Strategic Lead, Forecasting and Metrics Analytics The Vanguard GroupStrategic Lead, Forecasting and Metrics AnalyticsScottsdale, PennsylvaniaFinancial Advisor Services (FAS) delivers investment products and services—including ETFs and mutual funds—to financial advisors across broker-dealers, asset managers, banks, registered investment advisors, and insurance companies. This role partners closely with senior leaders to translate complex financial and digital data into forward-looking intelligence that informs business strategy, goal setting, and execution.
Senior Financial Associate Royal Bank of CanadaSenior Financial AssociatePhoenix, AZ$55,000–$94,000 / yearWhether you're helping clients find new opportunities, developing new technology, or providing expert advice to internal partners, you will be doing work that matters in the world, in an environment built on teamwork, service, responsibility, diversity, and integrity. RBC's compensation philosophy and principles recognize the importance of a highly qualified global workforce and plays a critical role in attracting, engaging and retaining talent that: Drives RBC's high performance culture.
Mutual Fund Trader LPL Financial Holdings IncMutual Fund TraderTempe, AZ$29.71–$49.52 / hourThe firm provides a wide range of advisor affiliation models, investment solutions, fintech tools and practice management services, ensuring that advisors and institutions have the flexibility to choose the business model, services, and technology resources they need to run thriving businesses. As a leader in the financial advisor-mediated marketplace(6), LPL supports over 32,000 financial advisors and the wealth management practices of approximately 1,100 financial institutions, servicing and custodying approximately $2.3 trillion in brokerage and advisory assets on behalf of approximately 8 million Americans.
Senior Data Steward Asset MarkSenior Data StewardPhoenix, AZ$135,000–$150,000 / yearActing as a Data Product Manager, you will define stewardship roadmaps, establish domain priorities, and lead cross-functional initiatives that improve the quality, accessibility, trustworthiness, and business value of enterprise data. In this senior role, you will own the stewardship strategy, governance, quality, and lifecycle management of key data domains while partnering closely with Product, Engineering, Analytics, Operations, Compliance, and Business leaders.
Senior Regional Supervisory Principal LPL Financial Holdings IncSenior Regional Supervisory PrincipalTempe, AZ$84,151–$140,183 / yearThe firm provides a wide range of advisor affiliation models, investment solutions, fintech tools and practice management services, ensuring that advisors and institutions have the flexibility to choose the business model, services, and technology resources they need to run thriving businesses. As a leader in the financial advisor-mediated marketplace(6), LPL supports over 32,000 financial advisors and the wealth management practices of approximately 1,100 financial institutions, servicing and custodying approximately $2.3 trillion in brokerage and advisory assets on behalf of approximately 8 million Americans.