Hayden Jenkins is a financial advisor with Guardian Life and holds Series 65 and Series 63 licenses. He has six years of industry experience, including roles at National Financial Services LLC, Fidelity Investments, and the University of Vermont. Jenkins is currently based in Colorado Springs, CO. Guardian Life’s subsidiary, Park Avenue Securities LLC, operates as a broker-dealer and SEC-registered investment adviser serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers brokerage services, financial planning, retirement plan consulting, and various investment advisory programs.

Daniel Cowles is a financial advisor at T. Rowe Price Advisory Services, Inc. He holds a Series 66 designation and began his advisory career in 2026. Prior to joining T. Rowe Price, he held positions at Glg, The Resource Exchange, and SWL Advisors and Foundation, among others. T. Rowe Price Advisory Services offers a retirement-focused advisory program for individual investors and households, combining nondiscretionary financial planning and discretionary investment management primarily in proprietary mutual funds and ETFs. The firm provides model portfolio allocations and employs tax-aware strategies, with services delivered through both telephone access and an online planning platform.

Ellie Fraga is a financial advisor at First Command Advisory Services with a Series 66 credential and two years of industry experience. Prior to her current role, she held positions at First Command Insurance Services, First Command Brokerage Services, and Carroll College. First Command Advisory Services, Inc. is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a particular focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs using centrally managed model portfolios and approved third-party managers.

Jason Zulkosky is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 credential and bringing 23 years of industry experience. He has worked with T. Rowe Price Investment Services, Inc. since 2006. Based in Colorado Springs, CO, his practice is part of a larger enterprise firm. T. Rowe Price Advisory Services, Inc. offers the Retirement Advisory Service, which combines nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households with retirement goals. The firm uses proprietary mutual funds and ETFs within model portfolios and employs specialized techniques such as tax-aware rebalancing and Monte Carlo simulations to produce financial plans and income projections.

Fajkon Djonbalaj is a financial advisor at Benjamin F. Edwards & Company, Inc. with 18 years of industry experience. He holds the Series 66 designation and has worked previously at Ameriprise and Wells Fargo Advisors. He serves on two nonprofit boards in the Colorado Springs area. Benjamin F. Edwards & Company is an SEC-registered investment adviser and broker-dealer serving a diverse client base, including individuals, pension plans, charitable organizations, and corporations. The firm offers a range of investment programs and advisory services through a large team of advisors and manages tens of billions in assets.

William Mercer is a financial advisor at Hightower Advisors with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at UBS PaineWebber Inc. for 16 years prior to joining Hightower in 2017. Mercer is based in Colorado Springs, CO. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals, institutions, and pooled investment vehicles. The firm’s approach emphasizes manager selection, multi-manager solutions, and utilizes both affiliated and third-party managers across various investment strategies.

Chandler Crespin is a financial advisor at Schwab Wealth Advisory with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at TIAA-CREF. Chandler is based in Colorado Springs, CO. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews and tailored investment recommendations across various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, utilizing proprietary research tools while leaving final trading decisions to clients.

Mari Panzenhagen is a financial advisor at Beacon Pointe Advisors, LLC with two years of industry experience. She holds a Series 65 credential and previously worked at Altavista Wealth Management INC for nine years. Mari is based in Colorado Springs, CO. Beacon Pointe Advisors provides wealth advisory, consulting, financial planning, retirement plan services, and outsourced chief investment officer solutions to individuals, corporations, and institutional clients. The firm combines asset-allocation modeling with third-party independent managers and employs both active and passive strategies across public and private asset classes.

Samuel Wigand is a financial advisor with Sanctuary Advisors, LLC, holding the Series 66 designation and seven years of industry experience. His prior work includes roles at Merrill and PwC. Outside of his advisory career, he serves on the National finance committee and investment sub-committee of Ducks Unlimited, and he has leadership roles with the nonprofit Outfitters for Christ. Additionally, he operates several small agricultural and guiding ventures. Sanctuary Advisors, LLC serves a diverse client base, including individuals, corporations, and charitable organizations, providing investment advisory and financial planning through a network of over 400 independent advisers. The firm employs a range of investment approaches and offers portfolio management services with a fiduciary standard under written agreements.

Zachary Waugh is a financial advisor with SPC in Colorado Springs, CO, holding Series 63 and Series 65 credentials and 18 years of industry experience. He has worked with Parkland Securities, Sigma Planning Corporation, and Agora Wealth Management throughout his career. Waugh is a managing member of Agora Wealth Management LLC, which he uses as the name for his financial practice, and he is involved as a sole owner or managing member in several non-investment business ventures. SPC provides investment management, financial planning, and retirement-plan advisory services to a diverse client base that includes individual investors, retirement plans, charitable organizations, and corporate clients. The firm supports a large advisory network and offers tailored, discretionary investment advice through various account programs, including the SIGMA Managed Account and Axis Platform.

Mason Grothuesmann is a financial advisor with Bankers Life Advisory Services, Inc., holding a Series 66 designation and four years of industry experience. His background includes roles at Bankers Life Securities, Inc., Bankers Life & Casualty, Inc., and Axio Commercial Real Estate. He also serves as a unit field trainer at Bankers Life and Casualty, where he recruits and trains insurance agents. Bankers Life Advisory Services, Inc. provides discretionary portfolio management and investment consulting primarily to mass-affluent and high-net-worth individuals. The firm’s investment approach focuses on customized asset allocation, periodic rebalancing, and a combination of fundamental, technical, and cyclical analysis to guide security selection and portfolio adjustments.

Jennifer Chavez is a financial advisor at D.A. Davidson & Co. in Colorado Springs, Colorado, with 10 years of industry experience. She holds a Series 66 designation and has worked at D.A. Davidson since 2018, following three years at Merrill. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including employer-sponsored retirement plans, individual investors, charitable organizations, and corporate clients. The firm offers a range of services such as ERISA retirement plan advisory, wrap fee programs, equity research, and a private wealth program for high-net-worth clients, operating under fiduciary standards and employing both qualitative and quantitative investment analysis.

Salvador Rosas is a financial advisor with Transamerica Retirement Advisors, LLC in Colorado Springs, CO, holding a Series 66 designation and seven years of industry experience. His career includes roles at firms such as T. Rowe Price, USAA Investment Services, Robinhood Markets, and Empower Financial Services. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education, utilizing proprietary portfolio construction and ongoing oversight from Morningstar Investment Management.

Jennifer Malmstrom is a financial advisor at D.A. Davidson & Co. with 18 years of industry experience. She holds Series 65 and Series 63 licenses and has worked at firms including Charles Schwab, Wells & Associates, Mortgage Solutions of Colorado, Raymond James Financial Services, and Sullivan & Associates. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including retirement plans, individual investors, charitable organizations, and corporate clients. The firm operates under the Advisers Act fiduciary standard and ERISA fiduciary duties for retirement accounts, offering a range of services such as retirement plan advisory, financial planning, equity research, and private wealth management for high-net-worth clients.

Ryan Harris is a CFP® professional with 13 years of industry experience, currently serving at Sanctuary Advisors, LLC since 2024. His prior experience includes roles at Bank of America and Merrill, spanning over a decade, and involvement with RADZ Enterprise LLC, a family holding company encompassing businesses in eCommerce, executive leadership coaching, and wellness. In addition to his advisory work, he is a partner in entities providing tax planning and administrative services. Sanctuary Advisors, LLC offers investment advisory and financial planning services to a diverse client base, including individuals, corporations, pension plans, trusts, and charitable organizations. The firm supports more than 400 independent investment adviser representatives and provides a range of portfolio management solutions and consulting services through various investment strategies and third-party platforms.

Sebastien Theodore is a financial advisor at Transamerica Retirement Advisors, LLC with four years of industry experience. He holds Series 65 and Series 63 designations and has worked with several firms including Transamerica Investors Securities Corporation and Transamerica Life Insurance Company. Theodore is based in Colorado Springs, CO. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through a range of advisory programs that provide asset allocation guidance and retirement planning support. The firm employs proprietary portfolio construction and oversight tools developed in partnership with Morningstar Investment Management and serves a large client base primarily through non-discretionary asset management.

Michael Johnson is a financial advisor at T. Rowe Price Advisory Services, Inc. based in Colorado Springs, CO, with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at T. Rowe Price since 2017. Prior to this, he was employed at The Hertz Corporation. T. Rowe Price Advisory Services, Inc. offers a retirement advisory program for individual investors and households focused on retirement goals, combining financial planning, retirement income planning, and discretionary investment management primarily in T. Rowe Price mutual funds and ETFs. The service includes personalized financial plans, annual reviews, and employs tax-aware rebalancing and tactical allocations.

Kimberly Cavaliere is a financial advisor with Osaic Advisory Services, LLC, holding a Series 66 designation and 20 years of industry experience. She previously worked at Ameriprise for 13 years before joining Osaic and its affiliated firms in 2024. Outside of her advisory role, she manages operations and client services for Life Well Lived Financial Group in Colorado Springs. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving a diverse client base, including individuals, pension plans, corporations, trusts, and charitable organizations. The firm provides investment management, financial planning, retirement plan consulting, and related services through various program models and utilizes multiple custodians and third-party platforms.

Amanda Navaraj is a CFP® certificant and Series 65 licensee with three years of industry experience. She is currently an advisor at Hightower Advisors and previously worked at Amvara Financial LLC, JPMorgan Chase Bank, N.A., and J.P. Morgan Securities, LLC. Outside of financial services, she has been involved with Muse Comics + Games since 2011. Hightower Advisors provides investment advisory and planning services to a diverse client base including individual and institutional investors. The firm’s advisory approach incorporates multi-manager solutions, proprietary research, and flexible portfolio construction across various asset types.

Cheryl Cowan is a financial advisor with D.A. Davidson & Co. in Colorado Springs, Colorado. She holds Series 65 and Series 66 designations and has 18 years of industry experience, including prior roles at Morgan Stanley and Mass Mutual. Outside of her advisory work, Cowan is a notary public. D.A. Davidson & Co. offers investment advisory and brokerage services to a diverse client base, including retirement plans, individual investors, and charitable and corporate clients. The firm provides ERISA retirement plan advisory services, comprehensive financial planning, and a private wealth program for high-net-worth clients, operating under fiduciary standards and utilizing both qualitative and quantitative investment analysis.