Ann Noel Spencer is a financial advisor at Arax Advisory Partners in Colorado Springs, CO, holding Series 65 and Series 66 licenses with two years of industry experience. Her prior work includes roles at SRS Capital Advisors, Medicare Mentors, and Hammond Law. Arax Advisory Partners serves a diverse client base including individuals, high-net-worth clients, family offices, institutions, and businesses. The firm offers wealth management, discretionary and non-discretionary portfolio management, and comprehensive financial planning, utilizing a combination of in-house teams, external managers, and alternative investments.

Mitchel Tenbarge is a financial advisor at Summit Wealth Group in Colorado Springs, Colorado, with six years of industry experience. He holds a Series 66 designation and has worked at Commonwealth Financial Network and Choice Investment Services. Prior to his financial career, he held roles in retail and lawncare services. Summit Wealth Group provides wealth management and financial planning to individuals, high-net-worth clients, trusts, estates, charitable organizations, businesses, and retirement plans. The firm customizes investment strategies based on client profiles and employs a range of analytical approaches, often using third-party money managers and sub-advised models, with ongoing account monitoring.

Anthony Garcia is a financial advisor with USAA Investment Services Company in Colorado Springs, CO, holding Series 63 and Series 65 licenses and having seven years of industry experience. He has been with USAA Investment Services Company since 2022 and has worked with various USAA affiliates since 2013. Outside of his advisory role, he is involved in pediatric home care and community activities for his special needs children as a parent CNA and family care provider. USAA Investment Services Company provides retirement-focused advice and referral services primarily to USAA members and individual investors, delivering Retirement Income Strategy Reports and facilitating referrals rather than managing client assets directly.

Kathryn Mullenaux is a financial advisor at Geneos Wealth Management, Inc. in Colorado Springs, CO, with 28 years of industry experience. She holds Series 63 and Series 66 designations and has worked with Geneos Wealth Management since 2010 and G5 Financial Group since 2014. Geneos Wealth Management is an SEC-registered investment adviser serving individuals, trusts, estates, corporations, pension and profit-sharing plans, and other institutions. The firm provides financial planning, portfolio management, and referrals to third-party money managers, utilizing a range of investment strategies including fundamental and technical analysis, and offers both customized and model-based account options.

Todd Smith is a CFP® and ChFC® with 22 years of experience in financial advising. He is currently with Lifeworks Advisors, LLC and has previously worked at Level 5 Financial, LLC, Advisers Investment Management, Inc., and Vanguard Advisers. Outside of his advisory role, he serves as President and CEO of Level 5 Family Office, LLC and Level 5 Growth Strategies, LLC, and is Treasurer and board member of Unity Spiritual Center of the Rockies, providing financial and business consulting. Lifeworks Advisors serves individuals, charitable organizations, trusts and estates, retirement plans, and businesses, offering discretionary and non-discretionary wealth management, financial planning, and portfolio management. The firm employs a planning-based or risk-based investment approach using model strategies that combine low-cost funds, individual securities, options, and third-party managers, supported by quantitative and fundamental analysis and third-party AI tools.

Robin Depies is a financial advisor at Brookwood Investment Group with 11 years of industry experience. He holds a Series 66 designation and has worked at several firms including Redwood Private Wealth LLC and Horter Investment Management, LLC. Depies is the owner and consultant of Heartfelt Financial Solutions, LLC, where he advises clients on financial habits, cash flow, and expense management. He also operates Confidence In Clarity, LLC, providing divorce coaching and planning services. Brookwood Investment Group serves individual investors, businesses, and employer-sponsored retirement plans with customized portfolio management and financial planning. The firm employs a range of investment strategies and performs ongoing due diligence on managers while offering proprietary local partner offices and multiple affiliated businesses.

Tracy Thornlow is a financial advisor with Summit Wealth Group in Colorado Springs, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. Prior to joining Summit Wealth Group, Thornlow spent ten years with Commonwealth Financial Network. Outside of advisory work, Thornlow owns a support company called TT Financial, LLC. Summit Wealth Group LLC provides wealth management and financial planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, businesses, and retirement plans. The firm customizes target allocations based on each client’s financial profile and employs a range of analytical methods, often implementing strategies through third-party managers and conducting regular account reviews.

Hannah Geiger is a financial advisor at Northwest Asset Management in Colorado Springs, CO, with four years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Northwestern Mutual Investment Services LLC. Prior to her financial advisory career, she was employed at James Irwin Charter School. Northwest Asset Management serves individuals—including high-net-worth clients—as well as pension plans, charitable organizations, and other institutional clients. The firm focuses on customized investment management, financial planning, and consulting, employing strategic asset allocation and Modern Portfolio Theory in its investment strategies.

Tyler Tingstrom is a financial advisor with RFG Advisory, LLC based in Colorado Springs, CO. He holds a Series 66 designation and has professional experience that includes service in the US Army from 2015 to the present and recent roles with LPL Financial LLC and RFG Advisory. RFG Advisory provides investment advisory and planning services to a diverse client base, including individual investors, retirement plans, and institutional clients such as state and municipal entities. The firm offers discretionary portfolio management through a variety of model strategies and third-party platforms, and it serves as a sub-adviser to multiple ETFs while providing access to alternative investments and annuities.

Gregory Singer is a financial advisor with Capital Group Private Client Services, Inc. He holds a Series 65 designation and has seven years of industry experience. Prior to joining Capital Group, he worked at Capital Bank & Trust Company for nine years. Outside of his advisory role, he is the sole member of an LLC that manages a single-family rental property. Capital Group Private Client Services provides discretionary investment management primarily to high-net-worth individuals and charitable organizations. The firm employs a multi-manager investment approach grounded in fundamental research and offers access to separately managed accounts, mutual funds, ETFs, and certain private-equity and alternative strategy funds.

Luke Smith is a financial advisor with T. Rowe Price Advisory Services, Inc. in Colorado Springs, CO. He holds Series 63 and Series 66 licenses and has 10 years of industry experience. His career includes multiple roles at T. Rowe Price as well as positions at Advised Assets Group, LLC and GWFS Equities, Inc. T. Rowe Price Advisory Services offers a retirement-focused advisory program that combines nondiscretionary financial planning and discretionary investment management primarily using T. Rowe Price mutual funds and ETFs. The firm serves individual investors and households with portfolios managed at the household level and employs tax-aware rebalancing, asset-location strategies, and scenario-based financial planning tools.

Jacob Petersen is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 licenses and has three years of industry experience. Prior to his current role, he has worked at firms including Aston Carter, Incredible Bank, and Peoples State Bank. Outside of his advisory work, he operates an online Etsy store where he makes and sells crafts. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program combining nondiscretionary financial planning and discretionary investment management. The firm serves individual investors and households, implementing portfolios exclusively in T. Rowe Price mutual funds and ETFs with features like tax-aware rebalancing and Monte Carlo-based retirement projections.

Mark Onstott is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Transamerica since 2012 and is involved in several business activities including ownership and management of Team Chosen Financial, LLC, and roles in health insurance sales with Colorado Choice Health Plans, Anthem Blue Cross, and Assurant Health Insurance. He is also a member of Chosen Redondo Retreat, LLC, which manages an investment property. Transamerica Financial Advisors serves a broad client base including individual investors, employer-sponsored retirement plans, trusts, and charitable organizations. The firm utilizes model portfolios and third-party managers to implement its advisory services and offers multiple program platforms such as Transamerica ONE and TFA365.

Penny Frank is a CFP® professional with 19 years of industry experience, currently serving at Concurrent Investment Advisors, LLC. Her prior roles include positions at Goldman Sachs, United Capital Financial Advisers, Spire Wealth Management, and Charles Schwab. In addition to her advisory work, she is a licensed insurance agent for life, health, and annuity products. Concurrent Investment Advisors, LLC is a multi-team SEC-registered firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm focuses on customized, long-term investment portfolios incorporating ETFs, mutual funds, individual securities, and alternative investments, supported by a comprehensive platform with affiliated sub-advisory arrangements and third-party solutions.

Steven Thomas is a financial advisor at First Command Advisory Services with two years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at firms including Vistia Capital, MML Investors Services, MassMutual Life Insurance Company, Equitable Advisors, USAA Investment Services Company, and Northwestern Mutual. Prior to entering the financial services industry, he served 23 years in the Armed Forces. First Command Advisory Services is an SEC-registered investment adviser that serves 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 model portfolios and third-party managers selected by a centralized Investment Management Team.

Sean Byers is a financial advisor with Hightower Advisors in Colorado Springs, CO, holding Series 63 and Series 66 licenses and possessing 21 years of industry experience. He has worked at Hightower Advisors since 2018 and previously held positions at Bank of America and Merrill Lynch. Outside of his advisory role, he is involved in numismatics, buying and selling gold and silver coins through eBay and coin shows. Hightower Advisors offers investment advisory and planning services to a diverse group of individual and institutional clients. The firm’s approach emphasizes manager selection and multi-manager portfolio solutions, including access to proprietary research and a range of investment vehicles such as mutual funds, ETFs, and alternative investments.

Robert Cooper is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 credentials and nine years of industry experience. He has worked with T. Rowe Price since 2017 and previously spent two years at Wells Fargo. Based in Colorado Springs, CO, Cooper focuses on retirement planning and investment management. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service to individual investors and households, integrating nondiscretionary financial planning, retirement income planning, and discretionary investment management, primarily using T. Rowe Price mutual funds and ETFs. The firm employs model portfolio allocations, tax-aware rebalancing, and interactive online tools to support its clients' retirement goals.

Matthew Holmes is a financial advisor at T. Rowe Price Advisory Services, Inc. based in Colorado Springs, CO, with three years of industry experience. He holds Series 63 and Series 66 licenses and previously worked in the restaurant industry. T. Rowe Price Advisory Services offers a retirement-focused advisory program that combines nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs. The service is designed for individual investors and households with a focus on retirement goals.

Dalton Andrews is a CFP® with nine years of industry experience, currently advising at T. Rowe Price Advisory Services, Inc. in Colorado Springs, CO. His prior experience includes roles at RBC Capital Markets, Charles Schwab & Co., and Oppenheimer Funds Distribution. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households, using model portfolios invested solely in T. Rowe Price mutual funds and ETFs. The firm combines telephone access to advisors with online planning tools and employs strategies such as asset-location optimization and tax-aware rebalancing.

Stephanie Quine is a financial advisor with T. Rowe Price Advisory Services, Inc. She holds Series 63 and Series 66 licenses and has 18 years of industry experience. Quine has worked with T. Rowe Price Investment Services, Inc. since 2011. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory program for individual investors and households, combining nondiscretionary financial planning, retirement income planning, and discretionary investment management. The firm primarily invests in proprietary T. Rowe Price mutual funds and ETFs using model allocations and employs tax-aware strategies and Monte Carlo simulation tools for financial plans and retirement income projections.