Michelle Clifford is a financial advisor at Edelman Financial Engines with three years of industry experience. She holds a Series 66 designation and previously worked at Thrivent Financial and ReBar. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines a proprietary modeling process with planner delivery and online tools, offering diversified model portfolios, discretionary management, and non-discretionary online advice.

Emanuel Lizama is a financial advisor at Edelman Financial Engines with three years of industry experience. He holds a Series 65 designation and has previously worked at USAA and American Express. Outside of his advisory role, Emanuel is the sole proprietor of Lizard-Llama Games LLC, where he designs and develops games. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and supports a large participant base through advisor-led and online offerings.

Kristofer Gutierrez is a Series 65-licensed financial advisor with Edelman Financial Engines in Las Vegas, NV. He has one year of experience in the industry, including prior roles at NYLIFE Securities LLC and New York Life Insurance Company. Outside of finance, he has worked in the hospitality sector with positions at several hotels and resorts. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven proprietary modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary investment management with an emphasis on diversified portfolios, periodic rebalancing, and long-term orientation.