Nestor Vargas is a Certified Financial Planner® (CFP®) at AlignPoint Wealth with 15 years of industry experience. He has previously worked at Fidelity Brokerage Services, LLC, Green Mountain Planning, and Origin Financial. Vargas is the owner of Green Mountain Planning, a registered investment advisor based in Lakewood, CO. AlignPoint Wealth is an independent firm that provides financial planning and discretionary investment management primarily for individual and high-net-worth households. The firm employs diversified ETF and mutual fund portfolios based on Modern Portfolio Theory, offering both comprehensive planning and project-based services, with features such as flat-fee planning and sub-advisor usage for direct indexing and tax-loss harvesting.

Duane Webber is the principal of TerraNorth Investment Management LLC and holds a Series 65 credential. He has one year of experience in investment management and has been with TerraNorth since 2024. Prior to this role, he has served as President and Director of Blue Heron Commercial Group Inc., a commercial real estate company, since 2013, and also leads several other business ventures in software, technology, and entertainment. TerraNorth Investment Management LLC provides discretionary asset management and ongoing supervision of client accounts, primarily serving individuals and high-net-worth clients. The firm employs a combination of tactical and strategic asset allocation strategies, utilizing technical analysis and a range of securities including ETFs, options, and fixed income, with services tailored to each client’s financial situation.

Sanjiv Malkan is a financial advisor at Peacock Financial, LLC in Broomfield, Colorado, holding Series 63 and Series 66 credentials with one year of industry experience. Prior to founding Peacock Financial, he held roles at MML Investors Services, MassMutual Life Insurance, and Fidelity Brokerage Services. Before entering the financial sector, he worked for 17 years at Hunter Douglas. Peacock Financial is an independent advisory firm serving individuals, families, and small businesses with tailored financial planning, investment research, and portfolio management through its Guided Portfolio Solutions program. The firm emphasizes client-specific asset allocation and a long-term buy-and-hold investment approach, offering discretionary management with periodic reviews and the option for clients to impose investment restrictions or use other planning providers.

Lynda Gregory is a CFP® professional with 25 years of industry experience. She is the sole owner of Boulder Canyon Financial Partners, an independent firm based in Lafayette, CO. Prior to founding her firm in 2020, she held positions at BSW Wealth Partners and Charles Schwab. Outside of financial advising, she is a co-owner and silent partner of Reefs To Rockies, a travel company specializing in sustainable group itineraries. Boulder Canyon Financial Partners is a fee-only, woman-founded registered investment adviser serving individuals, families, high-net-worth clients, trusts, pension participants, and nonprofit organizations. The firm employs a top-down tactical asset allocation strategy and incorporates sustainable and socially conscious investment approaches, including private micro-loans within its fixed-income portfolios.

Richard Simmons is the principal of Simmons & Associates, LLC, an independent advisory firm based in Broomfield, Colorado. He holds 22 years of industry experience and has led Simmons & Associates since 2001. Prior to founding the firm, he had a background in corporate finance and academia. Simmons & Associates provides fee-only advisory services to individuals, small businesses, and trusts, offering tax planning, financial and retirement planning, portfolio analysis, and estate planning. The firm emphasizes diversified asset allocation and a buy-and-hold investment approach, working with clients to develop investment policy statements and providing written recommendations while leaving trade execution and custody to clients’ chosen brokers.

Christopher Bahnsen is a financial advisor with Montgomery Financial Planning LLC in Arvada, CO. He holds a Series 65 designation and has recent financial planning credentials from the College for Financial Planning. His prior work experience includes roles at Anthem, Hitachi Digital Services, and Apple & Arrow Sales. Montgomery Financial Planning, LLC provides fee-only financial planning services to individuals and families, offering tiered engagements from basic plans to complex pre-retirement and business succession coordination. The firm emphasizes diversified, long-term investment approaches and operates with flat-fee and hourly billing structures rather than asset-based fees.

Glenn Edwards is a financial advisor at Alpine Financial Advisers, LLC in Golden, Colorado, holding Series 63 and Series 65 licenses with 18 years of industry experience. He has been with Alpine Financial Advisers since 2007, operating as the sole advisor at the firm. Alpine Financial Advisers serves individual clients by providing comprehensive financial planning and discretionary portfolio management focused on retirement, education, and estate goals. The firm uses a documented six-step planning process supported by a licensed, internet-accessible platform, applying Modern Portfolio Theory combined with tactical asset allocation across diversified global asset classes.

Dale Clausnitzer is a financial advisor with Growth Equity Management, Inc. in Broomfield, Colorado, holding Series 63 and Series 65 licenses and offering 27 years of industry experience. He has been affiliated with Growth Equity Management and Aura Financial Services since 2005 and has worked independently since 1976. Clausnitzer also operates an accounting and tax-preparation practice that occupies a significant portion of his time outside his advisory role. Growth Equity Management, Inc. provides diversified portfolio management for individuals, pension and profit-sharing plans, trusts, estates, and business entities, focusing on asset allocation and diversification through mutual funds, ETFs, and listed stocks. The firm uses a client-driven approach with discretionary trading authority, daily investment monitoring, and monthly performance reviews facilitated by institutional platform services.

Christopher Hanson is a financial advisor at Trevan Financial with 14 years of industry experience. He holds the Series 65 and Series 66 designations. His prior work includes roles at Prime Brands International and USA Rugby, among others. Trevan Financial provides wealth management and financial planning services to individuals, high-net-worth clients, families, and small businesses. The firm employs a combination of passive and active investment strategies based on Modern Portfolio Theory and offers a range of engagement options including ongoing portfolio management and limited-scope plans.

Chad Young is the principal of Young Wealth Partners, an independent advisory firm. He holds Series 65 and Series 63 licenses and has 1 year of industry experience as a financial advisor. Prior to founding Young Wealth Partners, he spent 16 years with The Young Insurance Group. Young Wealth Partners is a fee-only firm serving individuals and high-net-worth clients, offering investment management and comprehensive financial planning. The firm’s approach combines asset allocation and Modern Portfolio Theory, utilizing passive and active funds as well as third-party sub-advisers when appropriate.

I help people nearing retirement and living in retirement make sense of the financial decisions that all start to come together at once. Investments are part of that, but so are taxes, retirement income, Social Security, Medicare, insurance, and the trade-offs that come with each decision. I work with clients who want advice that is thoughtful, coordinated, and grounded in the realities of retirement rather than generic rules of thumb. My firm uses a flat-fee fiduciary model because I want the relationship to be transparent and aligned from the start. I provide ongoing financial planning and investment management, with a strong focus on tax efficiency and practical decision-making. Much of the value comes from helping clients think through things like withdrawal strategies, Roth conversions, Social Security timing, Medicare-related tax issues, and how to fit all of that into a sustainable long-term plan. Tax preparation is also available for a separate fee through my separate tax firm under common ownership, which can help create a more coordinated planning process where appropriate. As a person, I tend to bring a calm, straightforward style to my work. I am not interested in making things sound more complicated than they need to be. I want clients to feel informed, organized, and confident that their plan is being looked after with care and attention.

Scott Gorham is a financial advisor at Gorham Wealth Management, LLC in Golden, CO, holding a ChFC® designation and a Series 65 license with 18 years of industry experience. He has led his own firms since 2007 and has worked as an airline pilot for United Airlines since 1990. Outside of advisory services, he maintains a significant career as a pilot and volunteers as a committee chair. Gorham Wealth Management provides discretionary investment management and financial planning to individuals, trusts, estates, small businesses, and charitable organizations. The firm employs third-party managers through the Envestnet platform and combines fundamental analysis with technical reviews in its client strategies.

Hi, I’m Dwight. Thanks for stopping by. I am a CPA and fee-only financial advisor in Lafayette, Colorado, and I specialize in tax-efficient financial planning for retirees and those about to retire in Colorado or elsewhere in the United States. My clients are typically age 50 or older and have successfully launched their kids. They are either retired or planning to retire within the next five years or less. Most are property owners, U.S. citizens, and have liquid assets above $750,000. They want comprehensive financial guidance—not just an investment salesperson—and need support as they approach one of the biggest financial transitions of their lives. They prefer to delegate the heavy lifting of investments, financial planning, and tax planning to a professional on an ongoing basis rather than seeking one-time projects. Just as important, they are genuinely nice people. While it may sound cliché, I only work with clients where there is mutual respect and a strong long-term relationship Winding Trail Financial Planning is a fee-only financial planning firm based in Lafayette, Colorado, serving retirees and small business owners who want more than just investment management. We specialize in tax-aware financial planning—helping clients make smarter decisions around retirement income, business structure, and long-term wealth strategies. Our approach integrates tax planning, investment management, and cash flow into a cohesive strategy designed to reduce lifetime taxes and improve financial clarity. Many of our clients are business owners, pre-retirees, or recently retired households who want a proactive advisor that looks around corners—not just reacts at tax time. As a fee-only fiduciary firm, we do not sell products or earn commissions. Advice is objective, transparent, and aligned with your goals. We aim to serve as a long-term partner—helping clients simplify complexity, make confident decisions, and stay on track throughout retirement. • Tax planning and proactive tax strategy • Retirement income planning and distribution strategies • Financial planning for small business owners and S-Corp optimization • Investment management integrated with tax efficiency • Cash flow and balance sheet planning • Coordination with CPAs and attorneys • Ongoing comprehensive financial planning (not one-time plans) Our process emphasizes forward-looking planning—identifying opportunities before year-end and aligning financial decisions with long-term tax outcomes.

Adrien Vanpoperinghe is a financial advisor with Lybis Investing and holds a Series 65 designation. He has five years of industry experience, including prior roles at CNA Insurance. Lybis Investing, LLC is a single-advisor investment management firm based in Colorado that serves individuals, high-net-worth clients, trusts, estates, small businesses, and charitable organizations. The firm employs a defined investment process focused on asset allocation and typically uses passive index ETF strategies with an emphasis on sustainability factors, incorporating ESG scores alongside macroeconomic indicators.

John Ooyen is a financial advisor with Bright Future Advisors in Nederland, Colorado, holding a Series 63 designation and bringing 37 years of industry experience. He has worked with First Financial Group of Colorado, Inc. since 1996. Bright Future Advisors is a registered investment adviser managing approximately $4.1 million in discretionary assets, primarily serving individuals and high-net-worth clients. The firm employs a value-oriented investment strategy based on fundamental analysis, with discretionary portfolio management and an emphasis on risk control through limited trading.

Kyle Simmons, CFP®, CRPC®, worked for over 13 years in the tech industry as an engineer. When you work with him, you’re not working with a product salesman, but rather someone who works and talks like you, taking a logical and efficient approach to investment management and retirement planning. He understands the financial and intellectual benefits of being a highly compensated employee as well as the challenges and frustrations. He thinks like an engineer and has the integrity of one too. We are a fiduciary, fee-only firm, which means we're required to always put your interests ahead of our own. We don't sell products, get paid commissions, or receive referral fees. Many advisors or financial salespeople work for a brokerage or insurance company and are paid commissions or are "fee-based". We believe that our fee-only, fiduciary structure allows us to have a more objective relationship with our clients because it reduces the possible conflicts of interest.

Beulah Messick is a financial advisor with A2Resources LLC, holding a Series 65 designation and two years of industry experience. She has worked for the State of Colorado since 2004, currently serving as Controller with responsibilities including financial reporting, budget administration, and audit response. A2Resources LLC provides financial planning and consulting services to individuals and employer groups, offering comprehensive planning that includes investment, retirement, tax, education, estate, charitable, and risk management components. The firm does not manage client accounts or recommend individual securities, focusing instead on creating individualized financial plans and accepting negotiable or hourly fee arrangements.

Justin Lee Kay is the sole advisor at JKAY Securities Corporation in Lakewood, CO, holding Series 63 and Series 65 licenses with 14 years of industry experience. He has been operating Jkay Capital since 2012. JKAY Securities primarily serves individual and high-net-worth clients by providing ongoing, discretionary portfolio management without account minimums. The firm employs an investment process that integrates charting, fundamental, technical, and cyclical analysis, focusing on long-term trading with limited options strategies and managing portfolios composed of equities, bonds, ETFs, REITs, and government securities.

Shane Smith is a CFA® charterholder and the sole advisor at Foothills Investments, L.L.C. in Lakewood, CO, with one year of industry experience. Prior to founding Foothills Investments, he held roles at Foothills Accountants, the IRS, AMG National Trust Bank, and other financial firms. Foothills Investments provides portfolio analysis, financial planning, and investment management services to individuals, trusts, estates, corporations, and other business entities. The firm integrates tax-aware and tax-advantaged considerations into its investment approach and offers educational seminars along with specialized planning packages addressing corporate tax issues and retirement plans.

Stephen Harro is a financial advisor with Income Management Company in Idledale, Colorado, holding a Series 63 designation and over 44 years of industry experience. He has worked at Cales Investments, Inc. since 2012 and has been with Income Management Corp. since 1986, where he also serves as president. Income Management Company provides discretionary portfolio management focused on mutual funds and variable annuity subaccounts for individuals, high-net-worth clients, IRAs, trusts, and certain corporate pension and profit-sharing plans. The firm offers three predefined investment strategies—Bond, Balanced, and Growth—and employs tactical reallocations within mutual fund families or variable annuities to align with clients’ objectives and risk profiles.