Brent Kramer is a financial advisor with UBS Financial Services in Greeley, Colorado, holding Series 63 and Series 65 credentials and 10 years of industry experience. He previously worked at TIAA-CREF from 2016 to 2020 before joining UBS in 2020. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, leveraging proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services and provides additional capital markets and banking solutions.

William Kurtz is a financial advisor with UBS Financial Services in Greeley, Colorado, holding a Series 66 designation and 16 years of industry experience. He has been with UBS since 2013. Outside of his advisory role, he is a partner in a residential real estate partnership in Denver. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm utilizes proprietary research and model-based asset allocations to tailor investment strategies and combines institutional trading capabilities with wealth management services.

Laura Schnell is a financial advisor at Stifel with 17 years of industry experience. She holds a Series 66 designation and has been with Stifel Nicolaus since 2008. Schnell is also a Colorado Notary Public. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

Brett Zenisek is a financial advisor with Edward Jones in Windsor, Colorado, holding a Series 66 designation and six years of industry experience. He previously worked at Tharp Cabinet Corporation for three years before joining Edward Jones in 2019. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Menan Bergman is a financial advisor with Raymond James Financial Services Advisors, Inc. in Greeley, CO, holding a Series 66 designation and bringing 10 years of industry experience. He has been with Raymond James and Bank of Colorado since 2015. Outside of advising, he is co-owner and CEO of Bergman Land & Cattle Co./Berg's Bunkhouse LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, institutional, and charitable clients. The firm offers tailored, non-discretionary consulting using risk profiling and modeling tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

William Bolander is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He previously spent 20 years at L.M. Kohn & Company before joining LPL Financial. He also has ongoing involvement in non-variable insurance activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party research, and technology-driven portfolio management.

Todd Andre is a financial advisor with LPL Financial in Greeley, Colorado, holding a Series 66 designation and nine years of industry experience. Prior to joining LPL Financial in 2017, he worked at Investment Centers of America, Inc. for one year and has been associated with State Farm since 2002. He is involved in non-variable insurance services including Medicare Supplements, disability, and long-term care coverage. LPL Financial serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers comprehensive financial planning and advisory programs, utilizing model portfolios, third-party subadvisors, and advanced technology to support a variety of investment strategies.

Memory Fender is a Series 66-licensed financial advisor with Edward Jones, based in Eaton, Colorado, and has two years of industry experience. Their prior work includes roles at Edward Jones since 2022, with a brief tenure at Morgan Stanley in 2024, and earlier experience at Chelle Law. Outside of advising, Fender manages a rental property by leasing out their basement in Windsor, Colorado. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of financial advisors and branch offices.

Kelly Beck is a Series 66-licensed financial advisor with 26 years of industry experience, currently practicing at UBS Financial Services in Greeley, Colorado since 2013. UBS Financial Services Inc. provides a range of brokerage and investment advisory services to individual, corporate, and institutional clients, combining institutional trading capabilities with wealth management solutions. The firm offers fee-based financial planning, portfolio management, and capital markets services supported by proprietary research and analytics.

Charles Cooper is a CFP® with 43 years of industry experience. He is currently affiliated with Osaic and was previously associated with Securities America Advisors, Inc. for a decade. Cooper is also president of The Master's Agency, a business he has been involved with since 1983, which includes selling life insurance and annuities. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of financial advisers, offering brokerage and investment advisory services as well as access to third-party managers. The firm employs asset-allocation tools and automated rebalancing to manage diversified portfolios and supports both discretionary and non-discretionary account management.

David Havice is a Financial Consultant at Fidelity Investments, a position he has held since 2025. He has progressed through various roles within Fidelity, starting as an Investment Solutions Representative I in 2021 and advancing to his current role. Prior to joining Fidelity, he worked as a Banker at JP Morgan Chase from 2018 to 2019. David helps individuals and their families throughout their financial journeys by collaborating to build, implement, and monitor tailored financial plans. He holds insurance licenses in Arkansas and California. Outside of his professional work, David has personal interests that include cars, concerts, gardening, motorcycles, and pets.

Andrew Macdonald is a financial advisor with LPL Financial in Loveland, Colorado, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been associated with Linsco Private Ledger since 2001. Outside of his advisory role, Macdonald is involved in several business ventures including construction, helicopter piloting, and a farming enterprise that sells produce. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, incorporating both discretionary and non-discretionary management, supported by proprietary and third-party research.

Jeremy Audas is a Financial Consultant currently working at Fidelity Investments since 2023. He has extensive experience in the financial services industry, having held roles such as Private Client Advisor at JP Morgan from 2019 to 2023, Financial Solutions Consultant at Merrill Lynch from 2018 to 2019, and Investment Solutions Representative at Fidelity Investments from 2016 to 2018. Throughout his career, Jeremy has focused on developing customized financial plans tailored to the needs of individuals and families. He emphasizes building strong relationships to ensure trust and reliability with his clients. Jeremy holds insurance licenses in Arkansas and California.

Cecilia Shepherd is a financial advisor with Cambridge Investment Research Advisors and holds a Series 65 designation, bringing seven years of industry experience. Her prior experience includes roles at Navigation Wealth Management, Inc. and Navigation Financial Services, Inc., each for seven years, as well as self-employment and work at Power Core 360. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing a range of portfolio management approaches and both proprietary and unaffiliated investment strategies.

Weston Hager is a financial advisor at Raymond James Financial with 10 years of industry experience. He has worked at Bank of Colorado and Signator Investors, Inc., holding his current roles since 2018. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual and high-net-worth clients, pension plans, corporations, and institutional clients. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and has offerings unique among large institutional advisors, such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Arthur Spiller is a financial advisor at Ameriprise with 33 years of industry experience. He has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, he manages an independent advisory business through DGW Worldwide LLC. Ameriprise is an institutional firm offering a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions and uses a centralized consulting team to deliver non-discretionary, research-driven retirement income recommendations.