John Everett is a financial advisor with Schwab Wealth Advisory and holds a Series 66 designation. He has 22 years of industry experience, including eight years at Charles Schwab and Schwab Wealth Advisory, and five years with Janus Management Holdings Corp and Janus Distributors LLC. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm utilizes Schwab’s standard asset allocation models and research tools to deliver investment recommendations, while clients retain final trading decisions.

Eric Labay is a CFP® professional with 28 years of industry experience, currently serving at Schwab Wealth Advisory. He has been with Charles Schwab and its affiliated entities since 1999. Labay also serves in the US Army Reserves, holding the rank of retired captain in the 88th Readiness Division. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s proprietary asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab, focusing on client-directed investment decisions rather than discretionary management.

Matthew Collins is a financial advisor at Schwab Wealth Advisory with one year of industry experience. He holds the Series 66 designation and has worked at Charles Schwab in various capacities since 2018. Prior to his financial career, he worked at Red Lobster for five years. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, focusing on annual financial reviews, retirement planning, and investment recommendations. The firm operates within the Schwab ecosystem using standard asset allocation models and research tools, with advisors recommending investments while clients retain final trading decisions.

Agnieszka Skolik is a CFP® and Series 66 licensed financial advisor with Schwab Wealth Advisory in Lone Tree, CO, with 10 years of industry experience. She has been with Schwab Wealth Advisory Inc and Charles Schwab since 2016. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations using Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not charge clients directly for advisory services.

Scott Branish is a financial advisor with PNC Wealth Management in Castle Pines, Colorado, holding Series 63 and Series 66 licenses and eight years of industry experience. Prior to joining PNC, he worked with several mortgage and financial services firms, including Lifemark Securities Corp and Front Range Financial. He is also a part owner of Branish Holdings LLP, a family business involved in property management. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account that utilizes approved strategies implemented via mutual funds and ETFs, with a focus on algorithm-driven risk assessment and annual rebalancing.

Michael Rabbitt is a financial advisor at Creative Planning with 20 years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses and has been with Creative Planning since 2010. Outside of his advisory role, he owns rental property in Denver, Colorado. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm employs a financial planning–led investment process emphasizing low-cost indexing and buy-and-hold strategies, supported by a large advisory team and centralized investment infrastructure.

Susan Buford is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding Series 63 and Series 66 licenses and over 34 years of industry experience. She previously worked at Charles Schwab & Co., Inc. for 13 years and has been with Wealth Enhancement firms since 2024. Buford also provides administrative support to Wealth Enhancement Advisory Services as part of a registered investment advisor hybrid business. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a diverse client base including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm employs a strategic investment process combining passive and active management, supported by an internal Investment Committee and research that targets factor premiums such as value and momentum.

Marc Wheeler is a financial advisor with Centaurus Financial, Inc. in Highlands Ranch, CO, holding Series 65 and Series 63 credentials with 14 years of industry experience. He has worked at Centaurus Financial since 2012 and is also involved in several other ventures, including a marketing director role at Charter Financial Resources and service technician work in HVAC for close friends and family. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, businesses, and institutions, offering financial planning, portfolio management, and specialized retirement-plan consulting with both discretionary and non-discretionary arrangements.

Carl Orn is a financial advisor with Schwab Wealth Advisory in Lone Tree, Colorado. He holds Series 63 and Series 66 licenses and has 17 years of industry experience, including over a decade with Schwab Wealth Advisory and Charles Schwab. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm’s advice is delivered using Charles Schwab’s asset allocation models and research tools, with final trading decisions made by clients.

John Stempfle is a financial advisor at Schwab Wealth Advisory with 10 years of industry experience. He holds Series 63 and Series 66 designations and has been with Schwab Wealth Advisory since 2018, having worked at Charles Schwab since 2015. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not act as a discretionary portfolio manager.

Michele Hefner is a financial advisor at Transamerica Retirement Advisors, LLC with 24 years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously with Diversified Investment Advisors and Diversified Investors Securities Corp. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through various managed advice programs and investment education services. The firm’s approach relies on Morningstar Investment Management for portfolio construction and oversight, offering a mix of discretionary and non-discretionary investment recommendations.

Sebastian Coppola is a Series 66-licensed advisor with Schwab Wealth Advisory, Inc., based in Lone Tree, Colorado. He has 14 years of industry experience, including roles at Schwab Wealth Advisory since 2015 and Charles Schwab & Co., Inc. since 2013. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement and planning discussions, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates within the Schwab ecosystem and does not charge clients directly for advisory services.

Terrence Joebchen is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 licenses and bringing seven years of industry experience. His background includes roles at Charles Schwab, Gwfs Equities, Fidelity Brokerage Services, and Rockwell Collins. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, delivering recommendations based on Schwab’s asset allocation models and research tools. The firm conducts at least annual account reviews and works within the Schwab ecosystem, with discretionary management typically handled by affiliated or third-party money managers.

Kristopher Williams is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Bank of America, Merrill Lynch, and various Charles Schwab entities. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations across a range of asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem and delivers advice through standardized asset allocation models and research tools, without exercising discretionary trading authority.

Scott Wubbena is a financial advisor with TIAA-CREF in Denver, CO, holding Series 63 and Series 66 credentials and 25 years of industry experience. He has been with TIAA and TIAA-CREF since 2000. Outside of his advisory role, he is a 50% part owner of farmland through a family-owned farming business. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm’s advisory approach separates one-time planning services from ongoing discretionary management and includes access to customized portfolio management under a fiduciary standard.

Zarina Stankov is a CFP® professional with 13 years of industry experience, currently serving at Schwab Wealth Advisory, Inc. She has been with Charles Schwab since 2016 and previously worked at Fidelity from 2013 to 2016. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations through the Schwab platform while leaving final trading decisions to clients.

Kimberly Gustafson is a Series 66-licensed financial advisor with seven years of industry experience. She currently works at Key Investment Services LLC and has prior experience at firms including The O.N. Equity Sales Company, Colorado Financial Advisors, and Wells Fargo Bank. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through a variety of advisory programs and investment offerings. The firm emphasizes client-directed investment decisions supported by model selection and ongoing monitoring, and it operates within the KeyCorp group with affiliations to KeyBank and KeyBanc Capital Markets.

Janet Kariuki is a financial advisor at Schwab Wealth Advisory with four years of industry experience. She holds Series 66 and Series 63 licenses and has worked at Charles Schwab and Schwab Wealth Advisory since 2021. Outside of her advisory role, Janet is also a singer and songwriter who writes and records music for production. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s research tools and asset allocation models.

Luke Epple is a financial advisor at Schwab Wealth Advisory with one year of industry experience. He holds a Series 66 designation. Prior to joining Schwab, he was involved in various entrepreneurial ventures, including managing WestClay Wine and Spirits and 3up Rooftop bar. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program sponsored by Charles Schwab & Co., Inc. The firm offers annual financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools, with final trading decisions made by clients.

Courtney Holt is a CFP® professional with 18 years of industry experience, currently advising at Schwab Wealth Advisory, Inc. She has been with Charles Schwab affiliated firms since 2016, including her current role at Schwab Wealth Advisory beginning in 2022. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, delivering annual financial reviews and investment recommendations through proprietary Schwab asset allocation models and research tools. The firm operates within the Schwab ecosystem and does not directly charge clients, distinguishing its business model from many enterprise wealth managers.