Andrea Collins is a financial advisor at Empower Advisory Group with 11 years of industry experience. She holds Series 63 and Series 65 credentials and has worked previously with GWFS Equities, Inc., and Transamerica Capital Inc. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to IRA and retail brokerage account holders. The firm’s services integrate with Empower’s recordkeeping and administrative platforms and emphasize long-term portfolio returns, annual rebalancing, and client savings rates.

Brent Stevens is a financial advisor with TIAA-CREF in Glendale, CO, holding Series 63 and Series 65 licenses and possessing 22 years of industry experience. He has been with TIAA-CREF since 2007. Outside of his advisory role, he is involved in managing rental properties and has ownership in an LLC established for short-term rental income through Airbnb. TIAA-CREF’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and small retirement plans, often servicing clients linked to TIAA-administered employer retirement plans. The firm separates planning services from ongoing portfolio management and serves as advisor to a donor-advised fund, using a mix of model and customized portfolios under a fiduciary standard.

Douglas Miller is a financial advisor at TIAA-CREF with nine years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at Regions Bank from 2015 to 2017 before joining TIAA-CREF in 2017. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with pre-existing relationships through TIAA-administered employer retirement plans. The firm offers both point-in-time planning and ongoing discretionary management through various managed account programs and operates as investment adviser to the TIAA Donor Advised Fund.

Erin Mac Laren is a financial advisor at Empower Advisory Group with five years of industry experience. She holds a Series 66 designation and has worked at Empower Financial Services and T. Rowe Price. Prior to her roles in finance, she was employed at Two Men And A Truck and Asset Campus Housing. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail brokerage account holders. The firm delivers services through an integrated model linked to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and client savings rates.

Kevin Christensen is a financial advisor with Principal Financial Services in Denver, CO, holding the ChFC® designation and Series 66 license. He has 22 years of industry experience, including roles at Principal Life Insurance Company, Waddell & Reed, Inc., and The Standard Insurance Company. Outside of his advisory work, he serves as Membership Committee Chair for the local NAIFA chapter and is a High Councilor for the Church of Jesus Christ of Latter-day Saints. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty military personnel. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Brandon Williams is a financial advisor at Empower Advisory Group with 15 years of industry experience. He holds a Series 66 designation and has worked previously at T. Rowe Price and Financial Action, Inc. Outside of his advisory role, he owns Williams Real Estate, Inc. and provides home care services as a certified nursing assistant. Empower Advisory Group delivers 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 clients. The firm integrates its services with Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and client savings rates through point-in-time financial plans and optional managed account solutions.

Melony Harris is a financial advisor at Commonwealth Financial Network with 28 years of industry experience. She holds Series 65 and Series 63 designations and has worked with Avantax firms for over two decades prior to joining Commonwealth in 2020. In addition to her advisory work, she owns Harris Tax & Wealth Management, PC, which provides tax preparation, payroll processing, and accounting services. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and their individual and institutional clients. The firm offers a broad adviser-support platform including managed account programs, access to third-party asset managers, and custody/clearing services.

Kenneth Middleton is a financial advisor with The Huntington Investment Company, holding Series 63 and Series 66 licenses and having 12 years of industry experience. His prior experience includes roles at Ameriprise Financial Services, JPMorgan Chase Bank, and Fidelity Investments. The Huntington Investment Company provides advisory and brokerage services to individuals, charitable organizations, and business entities, offering a range of wrap-fee programs through an open-architecture platform that incorporates third-party and proprietary portfolio management strategies.

Steve Harris is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory since 2012. He has been associated with Charles Schwab in various capacities since 1999. Outside of his advisory role, he owns and manages a rental property. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program. The firm offers annual financial reviews, retirement and planning discussions, and investment recommendations, utilizing Schwab’s asset allocation models and research tools while maintaining a non-discretionary advisory structure.

Benjamin Beatty is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding Series 63 and Series 66 designations and bringing 15 years of industry experience. His prior roles include positions at TIAA-CREF, Robinhood Financial, and Colorado Financial Service Corporation. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail brokerage clients, using an integrated model tied to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and savings rates in its planning process and delivers services at scale across a large participant base.

Kelly Belden is a financial advisor at Empower Advisory Group with Series 65 and Series 66 credentials and 14 years of industry experience. Prior to joining Empower Advisory Group in 2025, Belden worked at Voya for one year and Gwfs Equities, Inc. for nine 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’s integrated model emphasizes long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.

Jeffrey Lester is a financial advisor with Empower Advisory Group, holding Series 66 and Series 63 licenses and three years of industry experience. He has held prior roles at Empower Retirement, Doordash, and Grubhub, as well as self-employment. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and select retail brokerage clients. The firm’s integrated approach focuses on long-term portfolio returns and client savings rates within plan sponsor-selected investment lineups.

Jason Williams is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 66 designations and has 26 years of industry experience. He has been with Charles Schwab since 1999 and has worked at Schwab Wealth Advisory Inc. since 2012. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement and planning discussions, and investment recommendations across various asset classes. The firm utilizes Schwab’s asset allocation models and research tools to support its advice, with final trading decisions made by clients and no discretionary trading authority exercised by the advisory team.

Shawn Mc Goveran is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 66 designation and two years of industry experience. Prior to joining Hornor, Townsend & Kent in 2024, he worked at Equitable Advisors and held various roles in the mortgage and real estate sectors. He is also a partner at New Everyday Wealth Strategies, providing wealth management services. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting. The firm operates as both an SEC-registered adviser and FINRA-member broker-dealer, providing custody, execution, and brokerage services alongside investment advice.

Melanie Tumis is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding a Series 66 designation and six years of industry experience. Her work history includes roles at Empower Retirement, Osaic Wealth Inc., Charles Schwab & Co., Inc., Schwab Private Client Investment Advisory, Inc., and TD Ameritrade, interspersed with periods as a homemaker. 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 delivers services through an integrated model tied to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns, annual rebalancing, and clients’ savings rates.

Barbara Krause is a CFP® with 20 years of industry experience and holds Series 65 and Series 66 licenses. She has worked at Hightower Advisors since 2021 and previously spent six years at Investment Security Group, Inc. She is based in Denver, CO. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals, institutions, pension plans, charitable organizations, and pooled investment vehicles. The firm’s approach centers on manager selection and multi-manager solutions, utilizing both affiliated and third-party managers, proprietary research, and a range of investment vehicles.

Brendan Morrison is a financial advisor at Eagle Strategies (NY Life) in Denver, CO, holding Series 66 and Series 63 licenses with six years of industry experience. His career includes positions at Blue Sky Wealth Group, NYLIFE Securities LLC, New York Life Insurance Co, and prior roles in the U.S. Census Bureau and the US Army National Guard. Morrison is involved in several nonprofit organizations serving the Denver community, including board roles with the Denver Indian Family Resource Center and the Native Futures Giving Circle, and he owns a professional networking and event business called Denver Socials. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to individual and institutional clients through a large network of affiliated advisers. The firm offers multiple program types tailored to client objectives and plan sponsor criteria, with the majority of its assets managed on a non-discretionary basis.

Matthew Michalak is a CFP® professional with five years of industry experience, currently affiliated with Valic Financial Advisors in Lakewood, CO. His prior roles include positions at NorthRock Partners LLC and JPMorgan Chase Bank. Outside of advisory work, he is an agent authorized to sell non-securities insurance products and also works as a delivery driver. Valic Financial Advisors serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants, offering portfolio management and financial planning through a large network of advisors. The firm utilizes discretionary unified managed accounts with Envestnet’s platform and provides tax-aware and impact overlay services.

David Reyes Suarez is a CFP® with over four years of experience in the financial services industry. He is currently with Empower Advisory Group and has previously worked at GWFS Equities, Inc. and BBVA Colombia. 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 an integrated service model connected with its recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing.

Samuel Dechtman is a CFP® professional with 13 years of experience in the financial services industry. He has held roles at Hightower Advisors since 2025 and previously led Dechtman Wealth Management, LLC for five years. He also worked at Securities America and Nuveen Investments earlier in his career. Outside of his advisory work, he is an Independent Insurance Agent. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals, institutions, pension plans, charitable organizations, and trusts. The firm emphasizes multi-manager solutions, manager selection, and uses both affiliated and third-party managers along with proprietary research to construct portfolios that incorporate a range of investment vehicles and strategies.