Tyler Penney is a Financial Consultant at Fidelity Investments, a position he has held since 2024. He is a Certified Financial Planner™ who collaborates with clients to develop, implement, and maintain financial plans, aiming to ensure that every client feels confident in their financial strategy. Tyler has been with Fidelity Investments since 2018, progressing through various roles including Planning Consultant, Relationship Manager, Financial Representative, Investment Solutions Representative, High Net Worth Representative, and Customer Relationship Advocate. His experience spans client relationship management and financial planning. Outside of his professional work, Tyler has interests in board games, fitness, football, outdoor adventures, pets, and volunteering.

Stephen Ruef is a financial advisor at UBS Financial Services with seven years of industry experience. He holds a Series 66 designation and has previously worked at JP Morgan Securities LLC and JPMorgan Chase Bank, N.A. outside his current role. UBS Financial Services Inc. serves individual, corporate, and institutional clients offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor investment plans.

Shelley Schlossberg is a CFP®-credentialed financial advisor with 44 years of industry experience, currently practicing at LPL Financial in Denver, CO since 2003. She holds Series 63 and Series 65 registrations and operates a related business offering non-variable insurance products focused on medical, dental, and life coverage. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm provides a broad range of advisory programs, financial planning services, and access to research and model portfolios.

Steven Schindler is a financial advisor with LPL Financial in Denver, CO, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has been with Linsco Private Ledger since 2005, spanning over 21 years of his career. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, using both discretionary and non-discretionary management supported by research from internal and third-party sources.

Steven Fraidstern is a financial advisor at OSAIC with 52 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining OSAIC in 2024, he worked at Securities America, Inc. and Investacorp, Inc. among other firms. Fraidstern also serves as treasurer in several affiliated entities related to investment advisory and insurance businesses. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party money managers to construct portfolios across a wide range of investments.

Todd Jeffcoat is a financial advisor with LPL Financial in Arvada, Colorado, holding a Series 66 designation and over 25 years at LPL within a 26-year industry career. He has been involved with the Credit Union of Colorado in a financial institution investment-related capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives, offering a range of advisory programs, retirement plan consulting, and brokerage services.

Bryan Andersen is a CFA® charterholder with 23 years of industry experience, currently serving at Mass Mutual Investors Services since 2013. He also works with Executive Compensation Inc., focusing on TPA and pension services. MassMutual Investors Services operates as a subsidiary of MassMutual, providing financial planning and asset management to individuals, business owners, trusts, and charitable organizations through structured, collaborative engagements.

Ryan Walker is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Edward Jones since 2013. He holds a Series 66 license and is based in Northglenn, Colorado. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,700 advisors, offering a range of discretionary and non-discretionary investment strategies, affiliated mutual funds, and overlay and tax-efficient services under a fiduciary standard.

Alfred Einstein is a financial advisor at Edelman Financial Engines with a Series 65 designation and four years of industry experience. He has previously worked at Empower Financial Services, Empower Advisory Group, and Personal Capital Advisors Corporation. 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 solutions.

Scott Webb is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with LPL Financial since 2013. Outside of his advisory role, he is involved with Webb Wealth Management, LLC. 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 and financial planning services, utilizing both discretionary and non-discretionary management alongside research and model portfolios.

Maria Barela is a CFP®-designated financial advisor with 30 years of industry experience, currently with LPL Financial since 2009. Her prior experience includes roles at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. She is based in Denver, CO. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and various investment strategies.

Kellen Self is a Financial Consultant with Fidelity Investments. Based in Colorado, he emphasizes building strong relationships with clients by tailoring financial plans to meet their individual needs. His approach focuses on collaborating with clients to create, execute, and monitor strategies aimed at helping them achieve their financial goals. Kellen's professional experience includes roles at Fidelity Investments as a Planning Consultant from 2022 to 2025, Relationship Manager in 2022, Financial Representative from 2021 to 2022, and Investment Solutions Representative from 2020 to 2021. Prior to joining Fidelity, he worked as an Associate in Global Wealth Strategies and Associates from 2018 to 2019. Outside of his professional activities, Kellen enjoys cooking and baking, golfing, visiting museums, skiing, playing soccer, and traveling.

Jon Greenfield is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015, and Morgan Stanley Smith Barney since 2009. His earlier experience includes Citigroup Global Markets starting in 2004. Outside of finance, he owns and leases real estate properties through a private company in Fort Collins, Colorado. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by proprietary tools and market analysis to assist clients in developing their financial plans.

Natalie Pisaro is a financial advisor at Charles Schwab in Denver, CO, holding CFP® and Series 66 designations with 11 years of industry experience. Her work history includes roles at Morgan Stanley and multiple positions within Charles Schwab and its affiliates since 2017. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment solutions, utilizing multi-asset model portfolios with strategic asset allocation and access to alternative investments.

Kassidee Lank is a financial advisor at Morgan Stanley with a Series 66 designation and six years of industry experience. She has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning and manages approximately $2.74 trillion in client assets.

Desiderio Leyba is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and two years of industry experience. Before joining Schwab, he worked at Fidelity Investments and held positions at several technology companies, including Bits in Glass and Soroco. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a blend of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational and custody arrangements.

Heather Coyle is a CFP® professional with 14 years of experience in the financial services industry. She has worked at LPL Financial since 2018 and previously held positions at Transamerica Financial Advisors, World Financial Group, and Transamerica Capital. She operates Elevate Wealth Management as a side business related to her LPL practice. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting services, employing both discretionary and non-discretionary management supported by research and model portfolios.

Fred Wagner Jr. is a financial advisor at Ameriprise with 23 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2015. Outside of his advisory role, he owns a business in equipment service and fabrication, as well as an investment real estate company. Ameriprise is an institutional firm that offers retirement-income planning services targeted at individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendations delivered by a centralized retirement-income consulting team.

Peter Sherlock is a financial advisor at UBS Financial Services with 16 years of industry experience. He holds the Series 65 and Series 63 designations and has worked at firms including Cresset Asset Management, Bank of America, Merrill, and JPMorgan Chase. Outside of his advisory role, he is a co-organizer and co-manager of Shamrock Moose LLC, a for-profit limited liability company based in Denver. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, employing model-based asset allocations and proprietary research to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, operating as both a broker-dealer and a futures commission merchant.

Chloe Kennedy is a Planning Consultant at Fidelity Investments, where she collaborates with clients to develop personalized plans aimed at helping them achieve their financial goals. In her role, she focuses on creating strategies that address the specific needs of each client. Kennedy has been with Fidelity Investments since 2022, initially serving as a Relationship Manager before transitioning to her current position in 2026. This experience has provided her with a comprehensive understanding of client relationship management and financial planning processes.