Ethan Choi is a Series 65-licensed financial advisor at CWM, LLC with one year of industry experience. Prior to joining CWM, he worked at Twin Pines Wealth Management and Dean Roland Russell, LLC. He spent ten years as a full-time student before beginning his advisory career. CWM, LLC is an SEC-registered investment adviser serving a diverse client base that includes individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients. The firm manages portfolios primarily on a discretionary basis using model portfolios and combines fundamental and technical analysis alongside third-party sub-advisors and customization tools.

Michael Gold is a CFP® with 26 years of experience in the financial advisory industry. He is currently with CWM, LLC and is also the President and CEO of Gold Family Wealth, LLC, where he leads financial planning, business development, marketing, and client services. His previous roles include positions at People's Securities, Inc., Gerstein Fisher, and Wells Fargo Clearing. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a large network of advisors. The firm employs a discretionary portfolio management approach using model portfolios overseen by an in-house Investment Committee and offers a range of services including retirement-plan solutions and access to alternative investments.

Connor Butler is a financial advisor at CWM, LLC with four years of industry experience. He holds a Series 65 designation and previously worked at Carson Wealth and Atlas Copco. Connor studied at Wofford College from 2013 to 2017. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of partner offices and over 600 advisors. The firm offers portfolio management, financial planning, sub-advisory, and retirement plan services, using discretionary model portfolios combined with fundamental and technical analysis and ongoing fiduciary oversight.

Joel Musser is a CFP® professional with 11 years of industry experience, currently serving at CWM, LLC and Carson Wealth since 2025. Prior to this, he spent 11 years with Total Wealth Planning, LLC. CWM, LLC is an SEC-registered investment adviser that serves a diverse range of clients, including individuals, high-net-worth families, foundations, endowments, corporations, and institutions through a network of more than 600 advisors. The firm employs model portfolios managed by an in-house Investment Committee and integrates fundamental and technical analysis, third-party sub-advisors, and customization tools while offering various retirement and institutional services.

Paul Kiernan is a financial advisor at CWM, LLC with Series 65 credentials and one year of industry experience. Prior to joining CWM, he worked at Gold Family Wealth, LLC and Cruser, Mitchell & Sanchez, LLC. His background also includes roles outside the financial sector, such as work with Lansing Condo Services and Michigan State University. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm offers portfolio management, financial planning, sub-advisory services, and retirement-plan solutions, using model portfolios guided by an in-house Investment Committee and a combination of fundamental and technical analysis.

John Sims is a Series 65 licensed financial advisor with CWM, LLC, based in Amarillo, TX. He has one year of industry experience and has held roles at Carson Wealth and Hilltop Securities. Prior to his advisory career, he worked seven years at PRI Operating LLC. CWM, LLC is an SEC-registered investment adviser serving a diverse client base including individuals, high-net-worth families, foundations, endowments, corporations, and institutions through over 600 advisors. The firm emphasizes discretionary portfolio management using model portfolios overseen by an in-house Investment Committee and offers a range of services such as financial planning, sub-advisory, and specialized retirement-plan solutions.

Kaitlin Bell is a financial advisor with CWM, LLC and holds a Series 66 designation. She has five years of industry experience and has previously worked at Sweet Financial Partners, Purshe Kaplan Sterling Investments, and Raymond James Financial Services. Kaitlin also serves as Associate Director at Sweet Financial Partners. CWM, LLC is an SEC-registered investment adviser serving a diverse client base including individuals, high-net-worth families, foundations, endowments, corporations, and institutions through a network of more than 600 advisors. The firm manages accounts primarily on a discretionary basis using model portfolios guided by an in-house Investment Committee and offers a range of services such as portfolio management, financial planning, sub-advisory, and retirement-plan services.

Lindsey Toole is an investment advisory representative at CWM, LLC with 23 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at firms including Cetera Advisor Networks, Carson Wealth Management, and LPL Financial. In addition to her advisory role, she is also licensed to sell fixed insurance products such as life, disability, annuities, and long-term care. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of more than 600 advisors. The firm manages accounts primarily on a discretionary basis using model portfolios overseen by an in-house Investment Committee and offers a diverse range of services including portfolio management, financial planning, and retirement plan solutions.

Sean Walker is a financial advisor at CWM, LLC with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Cetera, LPL Financial, and Applied Financial Planning. Outside his advisory role, he owns aviation-related businesses involving aircraft training and management and participates in a financial radio show called The Money Guys. CWM, LLC is an SEC-registered investment adviser that serves a diverse client base including individuals, high-net-worth families, foundations, endowments, corporations, and institutions. The firm offers portfolio management, financial planning, and retirement-plan services, managing accounts primarily on a discretionary basis with a combination of fundamental and technical analysis, third-party sub-advisors, and customization tools.

Carson Greathouse is a financial advisor with CWM, LLC, holding a Series 65 designation and three years of industry experience. He has worked at Carson Wealth, Pantera Energy, Happy State Bank, and other firms, with roles spanning finance and transportation sectors. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of more than 600 advisors. The firm offers a range of portfolio management and retirement-plan services, typically managing accounts on a discretionary basis using model portfolios overseen by an in-house Investment Committee.

Dillon Plath is a Series 65-registered advisor with CWM, LLC, located in Omaha, NE. He has experience at Carson Group, PrimeTime Healthcare, Werner Enterprises, and the University of Nebraska at Omaha. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of more than 600 advisors. The firm uses discretionary model portfolios governed by an internal Investment Committee and offers a range of portfolio management and retirement-plan services.

Mark Anleitner is a CFP® professional with 23 years of industry experience, currently affiliated with CWM, LLC. He has worked at firms including J.P. Morgan Securities and Cetera Advisor Networks LLC. Outside of financial advising, he is involved in real estate development as a general contractor through Beyond Design LLC. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm manages accounts on a discretionary basis using model portfolios guided by an in-house Investment Committee and offers a range of portfolio management and retirement-plan services.

Kaitlin Hershey is a financial advisor at CWM, LLC with one year of industry experience. She holds a Series 65 designation and has worked previously at Driven Wealth Strategies. CWM, LLC is an SEC-registered investment adviser serving individuals, families, foundations, endowments, corporations, and institutional clients through a large network of over 600 advisors. The firm employs discretionary portfolio management using model portfolios overseen by an Investment Committee and offers a range of services including financial planning, sub-advisory, and retirement-plan solutions.

Nicholas Gertsema is a financial advisor with CWM, LLC based in St. Joseph, MO, holding a Series 66 designation and 13 years of industry experience. He has worked at Gertsema Wealth Advisors and CWM, LLC since 2018 and previously at Cetera Advisor Networks LLC and Stifel Nicolaus. Gertsema serves as Advocacy Chair for the Financial Planning Association of Greater Kansas City, focusing on title protection for financial planners. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm manages accounts primarily on a discretionary basis using model portfolios and combines fundamental and technical analysis, third-party sub-advisors, and customization tools.

Kevin Zlomke is a financial advisor at CWM, LLC with 20 years of industry experience. He holds a Series 65 designation and has worked at CWM since 2019. His prior experience includes roles at FTJ FundChoice, LLC and Northern Lights Distributors, LLC, where he was employed for 15 years. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm manages portfolios using a discretionary model approach, combining fundamental and technical analysis, third-party sub-advisors, and customization tools, along with a range of retirement-plan services and explicit conflict-of-interest disclosures.

Marcelo Bernardo is a financial advisor at CWM, LLC with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with firms including LPL Financial and Cetera Wealth Services. He participates in a radio show called The Money Guys and is involved in businesses related to expense management and financial services. CWM, LLC is an SEC-registered investment adviser serving individuals, families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm offers portfolio management, financial planning, retirement-plan services, and employs a discretionary investment approach using model portfolios overseen by an in-house Investment Committee.

Sarah Kelley is a ChFC®-credentialed advisor with CWM, LLC and has two years of industry experience. Before joining CWM, she worked at Crescent Financial Advisors for four years. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of more than 600 advisors. The firm offers portfolio management, financial planning, and retirement-plan services, using a discretionary model portfolio approach supported by an in-house Investment Committee and various customization tools.

Ronnett Kitten is a financial advisor at CWM, LLC with a Series 65 credential and three years of industry experience. Prior to joining CWM, she worked at Oakeson Steiner Wealth & Retirement and OneDigital Investment Advisors, and she has over two decades of experience at Ellerbrock-Noris Agency, Inc. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of partner offices and more than 600 advisors. The firm offers discretionary portfolio management using model portfolios, sub-advisory services, and a range of retirement-plan services supported by in-house research, third-party providers, and customization tools.

Jan Fredman is a financial advisor at CWM, LLC with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has spent much of his career with Crescent Financial Advisors. Outside of his advisory role, he is involved in real estate through ownership of two rental companies. CWM, LLC is an SEC-registered investment adviser serving individuals, families, foundations, endowments, corporations, and institutions through a network of over 600 advisors. The firm offers portfolio management, financial planning, and retirement-plan services using a discretionary investment approach that combines fundamental and technical analysis with model portfolios and third-party sub-advisors.

Kevin Engbers is a financial advisor with CWM, LLC, holding Series 63 and Series 65 credentials and 39 years of industry experience. He has worked at CWM, LLC since 2018 and previously held positions at Cetera Advisor Networks, LPL Financial, and Pinnacle Wealth Management LLC. Outside of advising, he hosts the True Wealth Podcast and is an author. CWM, LLC is an SEC-registered investment adviser serving individuals, families, foundations, corporations, and institutional clients through a large network of advisors. The firm manages accounts primarily on a discretionary basis using model portfolios and combines fundamental and technical analysis, third-party sub-advisors, and customization tools while emphasizing fiduciary processes and regular client reviews.