Marion Steward is a CFP® with 30 years of industry experience. She is a principal at Financial Steward Associates, LLC, where she has worked since 2001, and also maintains a long-term affiliation with LPL Financial. Steward is involved in educational activities including running a scholarship program and conducting fee-based public seminars on financial topics. Financial Steward Associates, LLC provides comprehensive financial planning and limited-scope consulting to individual clients, focusing on estate, tax, cash flow, charitable, and wealth-transfer objectives. The firm operates as a planning-only boutique, delivering written, goal-oriented financial plans without investment management or discretionary authority.

Sidney Smith is a CFP®-certified financial advisor with four years of industry experience, currently with Financial Steward Associates, LLC. He has previously worked at LPL Financial LLC and Fidelity Investments. Smith provides financial planning and consulting services through Financial Steward Associates, an independent firm where he also supports administrative activities. Financial Steward Associates delivers comprehensive, goal-oriented financial planning and limited-scope consulting for individual clients, focusing on areas such as estate, tax, cashflow, charitable, and wealth-transfer objectives. The firm operates as a planning-only boutique without discretionary authority or assets under management, offering fixed or hourly fee engagements.

Heather Williams is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at LPL Financial in Boulder, CO. She has been with LPL Financial since 2013 and also provides financial planning and consulting services through her independent firm, Financial Steward Associates. In addition, she sells and services fixed annuities. LPL Financial offers advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm supports its advisors with in-house research and a range of investment models and tools, combining large-scale advisory operations with non-advisory product offerings such as insurance and annuities.