Deanna Hendricks

Lucas Casarez is a CFP® professional with 10 years of industry experience. He is the principal of Level Up Financial Planning, LLC, an independent advisory firm, and also owns Power Up Tax Planning Services, LLC, where he provides tax preparation services during tax season. His prior experience includes roles at Cetera Advisor Networks, Western Wealth Management, LPL Financial, and Keystone Financial Services. Level Up Financial Planning, LLC serves individual clients across a range of wealth levels, offering discretionary portfolio management and financial planning through subscription, fixed-fee, or hourly engagements. The firm emphasizes passive portfolio construction using low-cost index funds and ETFs, guided by client-specific investment policy statements, and also incorporates technical and cyclical analysis as part of its planning process.

Ryan Stout is a CFP® professional with 18 years of industry experience, currently serving at Theory Financial in Fort Collins, CO since 2019. His prior experience includes roles at Tiaa and TIAA-CREF from 2012 to 2019. He also serves as a trustee for Mill City Church, where he helps oversee financial decisions. Theory Financial is a registered investment adviser managing approximately $319.2 million across 252 client relationships, offering discretionary and non-discretionary investment management, financial planning, and retirement advisory services. The firm employs a strategic, globally balanced asset-allocation approach using diversified mutual funds, ETFs, individual stocks, and bonds, combining Modern Portfolio Theory with fundamental and cyclical analysis.

Ryan Cosner is a financial advisor with Cosner Financial Group, LLC in Windsor, CO, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He has worked at Cosner Financial Group since 2008 and previously at Triad Advisors Inc. and Osaic Wealth, Inc. Cosner serves as president-elect of the Boys and Girls Club of Larimer County, a nonprofit focused on supporting at-risk youth. Cosner Financial Group provides asset management and financial planning services to individuals, pension and profit-sharing plans, and corporate clients. The firm manages approximately $370 million in assets across about 600 client relationships, offering discretionary portfolio management as well as hourly and flat-fee planning tailored to client goals.

John Alpers is a financial advisor at Cosner Financial Group, LLC with 30 years of industry experience. He holds a Series 66 designation and has worked at Triad Advisors, Financial Design & Management, Inc., and Geneos Wealth Management, Inc. from 2008 to the present. Cosner Financial Group provides asset management and financial planning services to individuals, pension and profit-sharing plans, and corporate clients. The firm manages approximately $370 million in assets for over 600 clients, offering discretionary portfolio management and fee-based planning with tailored investment strategies.

James King is a CFA® charterholder based in Fort Collins, CO, with 11 years of industry experience. He has worked at Fruitage Financial LLC since 2016 and previously held roles at Challenger Wealth Management, Inc. and Royal Alliance. Fruitage Financial LLC provides advisory services to individuals, high-net-worth clients, charitable organizations, and retirement plans, offering portfolio management, financial planning, pension consulting, and estate-planning assistance through a third-party document platform. The firm operates on a fee-only fiduciary model, managing accounts mostly on a non-discretionary basis and employing fundamental, quantitative, and modern portfolio theory in its recommendations.

Jeremy Newton is a financial advisor with Cosner Financial Group, LLC in Windsor, Colorado, holding Series 63 and Series 65 credentials and 18 years of industry experience. He has worked at Cosner Financial Group since 2008 and was previously with Triad Advisors Inc from 2011 to 2024 and Osaic Wealth, Inc. from 2024 onward. Cosner Financial Group provides asset management and financial planning services to individuals, pension and profit-sharing plans, and corporate clients. The firm manages approximately $370 million in assets with a team of five advisors and offers tailored portfolios with continuous supervision, discretionary management, and consulting options.