Bryan Smith is a CFP® professional at Empower Advisory Group with 29 years of industry experience. He previously worked at Charles Schwab for six years and Fidelity Brokerage Services LLC for 13 years. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage account holders. The firm offers integrated services linked to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and clients’ savings rates.

Benjamin Muirhead is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and over 28 years of industry experience. He has been associated with MML Investors Services since 1997 and Massachusetts Mutual Life Insurance Company since 1995. In addition to his advisory role, Muirhead is also licensed as an agent providing individual and group life and health insurance products. Mass Mutual Investors Services, LLC is a broker‑dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charities, and employers. The firm offers comprehensive financial planning, asset management, and educational seminars, emphasizing collaborative, goal-oriented planning and event-driven services such as estate settlement and employer-sponsored programs.