Karen Roth is a CFA® charterholder and holds Series 63 and Series 65 licenses, with 18 years of experience in the financial services industry. She is a managing partner and co-owner of Apogee Wealth Advisors LLC and has been affiliated with Commonwealth Financial Network since 2020. Prior to that, she worked at Cambridge Investment Research, Inc. and its affiliated advisor entity from 2013 to 2020. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides advisory programs, technology, investment management, compliance, and practice-management support, allowing advisors discretion to construct client portfolios and access various managed model portfolios and program structures.

Carol Lanes is a financial advisor with Kestra Advisory, holding a Series 66 designation and 20 years of industry experience. She has worked with Kestra Advisory since 2016 and also operates Maleta Wealth Management, providing registered representative activities, insurance, and investment advisory services. Outside of her advisory roles, she is employed at Proplanco Management in a limited capacity. Kestra Advisory Services offers investment advisory and retirement-plan consulting to institutional and individual clients, providing fiduciary services, plan design, compliance testing, and access to multiple management platforms and third-party solutions. The firm serves a wide range of clients, including large institutional investors such as sovereign wealth funds.

Joshua Cook is a financial advisor at Empower Advisory Group with one year of industry experience. He holds a Series 65 designation and has prior experience with Commonwealth Financial Group. Outside of financial services, he has worked in the food and beverage sector, including roles at Cut Meat and Seafood and Drunken Goat. 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 retail brokerage account holders. The firm uses an integrated service model linked to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and clients’ savings rates.

Matthew Otto is a CFP® with 30 years of industry experience, currently serving as a financial advisor at Hightower Advisors. He has worked with HighTower Securities and Hightower Advisors since 2016. Outside of his advisory role, he is involved as an investor and partner in the acquisition and management of multifamily apartment complexes and commercial real estate in Sarasota, Florida. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients, offering multi-manager solutions and access to proprietary research to support portfolio construction, including mutual funds, ETFs, alternative investments, and custom indexing.

Ryan Barber is a financial advisor with &Partners, LLC, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He worked at Edward Jones for 20 years before joining &Partners in 2024. &Partners serves a wide range of individual and institutional clients with investment management, financial and tax planning, and retirement-plan consulting services. The firm employs a mix of fundamental, technical, and quantitative analysis across discretionary and non-discretionary accounts, supporting both in-house and third-party portfolio management.

Shamya Ullah is a financial advisor at NewEdge Advisors with 18 years of industry experience. She holds the Series 66 designation and has previously worked at City National Bank, RBC Capital Markets, and Morgan Stanley, including Morgan Stanley Private Bank and Smith Barney. Outside of her advisory work, she serves on the boards of directors for One Community, a media and entertainment company, and Families In Schools, a nonprofit educational support organization. She is also a member of the Board of Councilors at the USC Rossier School of Education. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations through a network of independent adviser representatives. The firm offers diverse portfolio management and consulting services, utilizing centralized due diligence and technology tools to support a range of advisor-managed and model-based investment programs.

Amanda Falkum is a CFP® with 23 years of industry experience. She is currently with Focus Partners Wealth, LLC and has previously worked at Kovitz Investment Group Partners, Kovitz Securities, Deloitte Investment Advisors, and Ernst & Young Investment Advisers. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients with wealth management, financial and tax planning, as well as retirement plan consulting. The firm employs a long-term, tax- and fee-sensitive investment approach combining active and passive strategies, third-party managers, and private funds.

Andrew Alvine is a financial advisor with Raymond James & Associates in Silverthorne, Colorado, holding a Series 66 credential and nine years of industry experience. His prior roles include five years at Edward Jones and seven years at Alvine Engineering. Outside of advisory work, he is employed part-time as a greeter at Vail Resorts. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and municipalities. The firm emphasizes tailored financial planning and consulting with a range of portfolio management styles, supported by firm research and affiliated sub-advisers.

Julia Karasik is a financial advisor with Morgan Stanley in Breckenridge, CO, holding Series 63 and Series 65 credentials and 32 years of industry experience. Her career includes roles at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, Morgan Stanley & Co. LLC, and Citigroup Global Markets. Outside of her advisory work, she works as a seasonal ski instructor. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools without providing individual security recommendations as part of its standalone financial planning services.

Robin Drabant is a CFP® professional with 16 years of industry experience, currently serving clients at Edward Jones since 2013. Based in Breckenridge, CO, Drabant has held leadership roles in the Breckenridge Mountain Rotary Club, including past president. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment solutions, supported by a large national network of advisors and offices.

Jay Mechling is a financial advisor with UBS Financial Services in Minturn, CO, holding Series 63 and Series 65 designations and 41 years of industry experience. He has been with UBS since 2008. Mechling serves on the board of directors for Austin Recovery, a nonprofit organization focused on drug and alcohol rehabilitation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research to tailor advice to client goals and risk tolerances.

Tammie Schroeder is a CFP® certificant with 20 years of experience in the financial industry. She has been with Edward Jones since 2005. 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 under management and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Robert Jurkiewicz is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 34 years of experience. He is a founding member of The JB Group, where he advises a select circle of affluent client families, providing expertise in family wealth management strategies, legacy planning, philanthropic planning, and portfolio management services. His work extends nationally, serving senior-level executives and business owners across a variety of industries with a focus on multi-generational wealth transfer, retirement, and post-liquidity event planning. Mr. Jurkiewicz holds multiple professional designations including Certified Private Wealth Advisor (CPWA), Certified Investment Management Analyst (CIMA), Chartered Retirement Plans Specialist (CRPS), and Certified Plan Fiduciary Advisor (CPFA). He earned a Bachelor's degree in International Political Economy from Colorado College and an MBA in Finance and Accounting from the University of Chicago Booth School of Business, supplemented by an associate degree from Jagiellonian University and a master's degree from the University of Chicago. He provides highly customized financial strategies and emphasizes the integration of clients' teams of CPAs, attorneys, and firm specialists. He and his wife Rachel, a retired oncology nurse and hospice volunteer, reside in Denver and enjoy outdoor activities including golfing, hiking, skiing, and fly fishing. He is also active in fostering community involvement, having founded a group within his office that supports charitable organizations focusing on hospice care, cancer, mental healthcare, and dyslexia among others.

Mason Burnside is a financial advisor with Charles Schwab, holding a Series 66 designation and two years of industry experience. His career includes roles at Charles Schwab Bank SSB and Charles Schwab & Co., Inc., as well as prior positions outside the financial industry. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separate managed accounts and employs multi-asset model portfolios supported by extensive research and due diligence.

Joseph Murto is a financial advisor at Cetera with 24 years of industry experience. He holds a Series 66 credential and has worked at Ameriprise Financial Services, Inc. for 16 years before joining Cetera. Outside of his advisory role, he owns Alpine Wealth Management, LLC. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with over $256 billion in assets under management and more than 10,000 advisors.

David Greenman is a financial advisor at UBS Financial Services with 33 years of industry experience. He holds Series 63 and Series 65 designations and has been with UBS since 2015. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and capital market models to tailor strategies to clients' goals.

Chad Robinson is a financial advisor with LPL Financial in Frisco, Colorado, holding a Series 66 designation and 19 years of industry experience. He has been with LPL Financial since 2007. Outside of his advisory role, Robinson serves on the finance committee of the nonprofit Team Summit and operates a woodworking business from home. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of representatives to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning, portfolio management, and institutional platforms, utilizing a combination of model portfolios, third-party subadvisors, and customized strategies.

Joel Schiffman is a financial advisor at Cambridge Investment Research Advisors with 40 years of industry experience. His prior roles include positions at Schroder Investment Management North America, Janus Distributors, Columbia Management Investment Advisers, and Lord, Abbett & Co. He serves on the board of Instinct Digital Limited, a technology services company based in Vail, Colorado. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals, utilizing a range of portfolio management approaches and proprietary and third-party strategies.

Richard Rohr is a financial advisor at UBS Financial Services with 38 years of industry experience. He has been with UBS since 2007 and holds Series 63 and Series 65 credentials. Outside of his advisory work, he serves as a trustee for the Clementine Lockwood Peterson Foundation, assisting in the oversight of the foundation’s investment portfolio. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management through a comprehensive platform that includes proprietary research and capital markets services.

Steven Booren is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 48 years of industry experience. He has worked at LPL Financial since 1996 and was previously affiliated with Prosperion Planning, LLC from 2016 to 2020. Outside of advisory work, he is the author of the book *Intelligent Investing*. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research and operational tools across a wide range of investment strategies.