Ruben Rosas is a financial advisor at PNC Wealth Management with four years of industry experience. He holds a Series 66 designation and previously worked at Bank of America, Merrill, JPMorgan Chase, and US Bank. Outside of finance, he is the owner of Rosas Electric LLC, an electrical contracting business based in Denver. PNC Wealth Management provides retail brokerage and advisory services, including a model-based digital portfolio program offered as an invitation-only pilot for employees. The firm uses algorithmic risk assessments and delegates portfolio management and proxy voting to third parties, focusing on mutual funds and ETFs with annual rebalancing.

Scott Ebert is a CFP® with over 31 years of experience in the financial industry. He is currently with Allworth Financial, L.P., where he has worked since 2019, following prior roles at Charles Schwab and First Western Trust. His outside activities include a limited partnership interest in a family LLC owning a rental property. Allworth Financial is a fee-based SEC-registered adviser serving individuals, high-net-worth clients, retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm provides customized portfolio management with various model strategies and uses third-party sub-advisers and technology solutions to manage client assets.

Jonathan Bunch is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding Series 63 and Series 66 licenses and three years of industry experience. He previously worked at T. Rowe Price from 2021 to 2025 and has experience in entrepreneurial ventures including DJ Maestro and Snoozetown, LLC. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, integrating its services with Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and client savings rates while serving a large participant base relative to its advisor headcount.

Arthur Updike is a financial advisor at Empower Advisory Group with six years of industry experience. He holds a Series 66 designation and has worked at Empower Retirement since 2020. Prior to that, he was employed at Charcoal Bistro from 2016 to 2020. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm’s integrated approach leverages proprietary and third-party methodologies focused on long-term portfolio returns and includes optional managed account solutions.

Matthew Karp is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 licenses and nine years of industry experience. His work history includes roles at Transamerica Life Insurance Company and Transamerica Investors Securities Corporation since 2019, as well as prior positions at Anthem Health Services and OppenheimerFunds Distributor, Inc. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs that emphasize asset allocation, contribution guidance, and retirement planning. The firm uses proprietary software and model portfolios developed in partnership with Morningstar Investment Management and operates at scale with a large client base.

Michael Denison is a CFP® with 11 years of industry experience, currently serving as a financial advisor at Money Concepts Capital Corp since 2020. He also operates Aspen Grove Financial Strategies LLC as an owner and partner. His prior experience includes roles at Eagle Strategies (NY Life), New York Life Insurance Company, and NYlife Securities LLC. Money Concepts Capital Corp is an enterprise firm with approximately 431 advisors managing $3.33 billion for around 14,700 clients. The firm provides portfolio management, financial planning, and consulting services to individuals, retirement plans, trusts, charitable organizations, and corporations, employing a range of managed programs and investment strategies.

Micah Steinwandt is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding a Series 66 designation and seven years of industry experience. His prior firms include GWFS Equities, Inc., Envoy Financial LLC, and AXA Advisors, LLC. 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 clients, using an integrated model aligned with Empower’s recordkeeping and administrative platforms.

Amy Obert is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She has worked at Charles Schwab and related entities since 2000 and has co-owned a private business since 2006. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program, using Charles Schwab’s asset-allocation models and internal research tools to tailor recommendations according to client goals and risk tolerance.

Michael Merlino is a financial advisor at Empower Advisory Group with Series 63 and Series 66 licenses and two years of industry experience. He previously worked at Enterprise Mobility and Target and has a background that includes a role at Smoky Hill Vineyard Church. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, and offers integrated services tied to Empower’s recordkeeping and administrative platforms.

Dale Mehl is a financial advisor with Bankers Life Advisory Services, Inc. in Denver, CO, holding a Series 66 designation and 9 years of industry experience. He has been affiliated with Bankers Life since 2005, including his role as an agent for Bankers Life and Casualty Company, where he is involved in life insurance, health insurance, and fixed annuities. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals through discretionary portfolio management, investment consulting, and retirement plan services. The firm employs a combination of fundamental, technical, and cyclical analysis to create tailored portfolios across various securities with ongoing management aligned to clients’ goals and risk tolerances.

Olivia Dudley is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and four years of industry experience. Her career includes roles at Charles Schwab & Co., Inc., Charles Schwab Bank, SSB, and Brookedale Senior Living. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm utilizes standard asset-allocation models and internal research tools, offering tailored recommendations without exercising discretionary trading authority.

Meredith Perez is a financial advisor at Empower Advisory Group with 15 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked with Bank of America, Merrill, GWFS Equities, and Advised Assets Group. Outside of her advisory work, she assists with accounting and recordkeeping for a family-owned vending solutions business. Empower Advisory Group primarily serves employer-sponsored retirement plan sponsors and their participants, offering integrated financial planning and investment management tied to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual plan rebalancing within plan lineups selected by plan sponsors.

Michael Cotter is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Schwab Wealth Advisory and Charles Schwab since 2015, following eight years at Kestra Investment Services, LLC. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, using Schwab’s asset-allocation models and internal research tools. The firm’s services focus on guidance for asset allocation and investment selection, with client-authorized trade execution and tailored recommendations based on individual goals and risk tolerance.

William Sands is a CFP® professional with one year of industry experience, currently serving as a financial advisor at Mercer Global Advisors Inc. He has been with Mercer since 2021 and previously worked at the University of Colorado Boulder. Mercer Global Advisors provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofit organizations. The firm’s investment approach is based on Modern Portfolio Theory, emphasizing globally diversified, risk-appropriate portfolios with multi-factor tilts and the use of low-cost index vehicles.

Philine Darwin Kennedy is a financial advisor at TIAA-CREF with 19 years of industry experience. She holds Series 63 and Series 65 designations and has worked at TIAA and TIAA-CREF since 2007, with a brief tenure at Advised Assets Group, LLC and GWFS Equities, Inc. from 2021 to 2022. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing employer retirement plan relationships. The firm operates a fiduciary advisory model with a variety of management options, including model and customized portfolios, and is notable for advising donor-advised funds within a vertically integrated structure.

Kevin Ward is a financial advisor with Osaic Advisory Services, LLC, holding a Series 66 credential and bringing 10 years of industry experience. His prior firms include Cetera Advisors LLC, SageView Advisory Group, and First Allied Advisory Services. Outside of his advisory role, he owns Nostalgia Stadium Cards LLC, a business that sells sports memorabilia and collectibles. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving a diverse client base, including individuals, pension plans, corporations, and charitable organizations. The firm offers a range of services such as investment management, financial planning, and retirement plan consulting, utilizing multiple program models and third-party platforms to tailor portfolios to client needs.

Zhicheng Rui is a financial advisor with Transamerica Financial Advisors in Centennial, CO, holding Series 63 and Series 65 licenses and nine years of industry experience. He has concurrently held roles at Alpha II, LLC, Charter Communications, Collabera Inc, and World Financial Group, Inc. Outside of advising, he assists with bookkeeping and administrative tasks for Alpha II, LLC. Transamerica Financial Advisors serves a wide range of clients, including individuals, pension plans, trusts, and corporations, offering both advisory and broker-dealer services through proprietary and third-party model portfolios. The firm operates as both a registered investment advisor and broker-dealer, managing billions in client assets with a variety of fee-based and commission-based investment solutions.

Warren Prentice is a Series 66-registered financial advisor with 11 years of industry experience. He is currently with PNC Wealth Management and previously held roles at Wells Fargo Clearing, Western Wealth Management, LPL Financial, and Edward Jones. PNC Wealth Management provides retail brokerage and advisory services through model-based programs, including an invitation-only digital offering that uses algorithm-driven risk assessments to implement portfolios primarily with mutual funds and ETFs.

Michael Brennan is a financial advisor at Schwab Wealth Advisory with 16 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has worked at Charles Schwab since 2015, including his current role since 2022. Earlier in his career, he spent three years at Quest Securities, Inc. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients in the Schwab Wealth Advisory program, utilizing asset-allocation models and internal research tools such as Schwab Equity Ratings®. The firm offers tailored recommendations with client authorization required for trades, serving a large client base through a structure affiliated with Charles Schwab & Co. and offering a range of investment options including mutual funds, ETFs, and separately managed accounts.

Lisa Sveland is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 65 licenses and four years of industry experience. Her prior work includes roles at Charles Schwab Bank, Charles Schwab & Co., and Nordstrom. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and select Charles Schwab & Co.-referred clients, using asset-allocation models and research tools to tailor recommendations based on individual goals and risk tolerance.