Richard Schwarz is currently serving as Vice President, Wealth Planner at Fidelity Investments, a position he has held since 2025. He has over 25 years of experience in the financial services industry, including roles as Vice President, Financial Consultant at Fidelity Investments from 2015 to 2025, Account Executive at Fidelity Investments from 2010 to 2015, Financial Consultant at Chase Investment Services from 2007 to 2010, and Financial Consultant at WM Financial Services from 1999 to 2007. Prior to his financial career, he served as a Naval Officer. Throughout his career, Richard has focused on providing clients with straightforward answers and prudent guidance to support their financial peace of mind. He holds insurance licenses in Arkansas and California.

Laurence Fotsch is a financial advisor with Cetera, holding a Series 66 credential and 14 years of industry experience. His background includes roles at Millennium Financial Group, The Planning And Investment Center, and Centaurus Financial, among others. Outside of his advisory work, he serves as a driver for Meals on Wheels in Fort Collins, CO. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Anthony Cisneros is a financial advisor with Wells Fargo Advisors in Fort Collins, CO, holding a Series 66 designation and 15 years of industry experience. His prior firms include LPL Financial and Waddell & Reed, Inc. He has also been involved with community organizations such as the United Way of Larimer County and the Hope for Children Foundation. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, education, and wealth-transfer planning. The firm uses proprietary research and planning tools to develop tailored recommendations delivered through both meetings and written summaries.

Michael Wolnick is a financial advisor at Edward Jones in Fort Collins, CO, holding a Series 66 designation with four years of industry experience. Prior to joining Edward Jones in 2022, he was involved with Turning Point Wellness Inc and co-owns Stresstoration LLC, a business offering digital wellness courses. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies and affiliated investment products. The firm manages assets totaling approximately $1.01 trillion through a large national network of advisors and branch offices.

John Eggerman II is a financial advisor at Edward Jones in Ft Collins, CO, holding a Series 66 designation with three years of industry experience. His prior work includes positions in banking and financial services at firms such as JPMorgan Chase Bank, N.A. and Blue Federal Credit Union. He is listed as a member of Epique Horizons LLC, a photography business that is currently inactive. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm supports a large network of financial advisors and branches and provides additional services such as tax-efficient investing and securities-based lending.

Sarah Vito is a financial advisor at Charles Schwab with eight years of industry experience. She holds Series 63 and Series 65 designations and has worked at Charles Schwab and its affiliated entities since 2021. Prior to that, she held positions at First Command Insurance Services, FBMC Benefits Management, Vista Management Company, and Fidelity Investments. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers an integrated custody and brokerage platform.

Ralph Shinn is a financial advisor with Equitable Advisors in Fort Collins, CO, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at Clear Path Advisors and AXA Advisors. Outside of his advisory role, he serves as treasurer for The Fort Recovery, Inc., a nonprofit organization. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm utilizes a variety of investment programs, including third-party managers and proprietary models, to tailor solutions based on clients’ risk tolerance and needs.

Kevin Dunnigan is a CFP®-designated financial advisor with 42 years of industry experience, currently affiliated with LPL Financial since 2017. Prior to LPL, he spent 31 years at Investment Centers of America, Inc. He is based in Loveland, Colorado. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a broad network of advisers. The firm offers a variety of advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Taylor Gustad serves as a Benefits & Planning Consultant in Executive Services at Fidelity Investments, a role held since 2026. Prior to this, Taylor progressed through various positions within Fidelity Investments, including Investment Solutions Representative levels I through III from 2021 to 2026. Taylor holds insurance licenses in Arkansas and California. In their professional approach, Taylor emphasizes understanding each client's unique financial situation to develop clear and actionable financial plans. Outside of work, Taylor has interests that include board games, food, playing musical instruments, movies, music, and pets.

Alexander Fridley is a financial advisor at LPL Financial with two years of industry experience. He holds the Series 66 designation and previously worked at Broadridge, Rocket Mortgage, Union Home Mortgage, Nationstar Mortgage, and US Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting with both discretionary and non-discretionary management options.

David Menard is a financial advisor with OSAIC based in Fort Collins, Colorado, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. He previously worked at Signator Investors, Inc. from 2016 to 2018. Menard serves as a board member for the Fortunaire Club Charitable Foundation. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs. The firm utilizes asset-allocation tools, risk-tolerance assessments, and automated rebalancing in portfolio construction, supporting both discretionary and non-discretionary account management.

Hayden Lowry is a financial advisor with LPL Financial in Loveland, CO, holding Series 63 and Series 66 licenses and eight years of industry experience. His prior work includes roles at Points West Community Bank and OppenheimerFunds. Lowry also maintains a personal finance blog and newsletter focused on basic financial education. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by model portfolios and research from multiple sources.

Oscar Maldonado is a financial advisor at J.P. Morgan Securities with a Series 66 designation and three years of industry experience. He has been associated with J.P. Morgan Securities since 2022 and has a longer tenure with JPMorgan Chase Bank dating back to 2007. Outside of his advisory role, Maldonado is involved in real estate as an owner and partner in multiple investment properties. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

John Minton is a financial advisor with Ameriprise in Windsor, CO, holding a Series 66 designation and 11 years of industry experience. His career includes roles at Ameriprise Financial Services, American Enterprise Investment Services, and MetLife Securities. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

Haynes Worthen is a Financial Consultant at Fidelity Investments, a position he has held since 2023. Prior to this role, he gained experience within the same company as an Investment Consultant from 2022 to 2023, a Planning Consultant in 2022, and a Financial Representative from 2021 to 2022. Before joining Fidelity Investments, Worthen worked at Mountain America Credit Union as a Loan Officer from 2017 to 2019 and as a Teller in 2017. His professional focus is on building meaningful and trusting relationships to assist clients in creating financial plans that support their personal goals. Worthen's background encompasses various facets of financial services, including investment consulting, financial planning, and lending. Outside of his professional work, Worthen has interests in baseball, camping, family activities, football, golf, and outdoor adventures.

Stephanie Glassman is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds the Series 63 and Series 66 designations and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. She is based in Loveland, Colorado. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools such as Secular Return Estimates and Monte Carlo simulations in its financial planning process.

Jose Cabrera Jr. is a financial advisor at Edward Jones with 16 years of industry experience. He holds the CFP® designation and Series 66 license and has been with Edward Jones since 2009. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, tax-efficient services, and affiliated investment products through a nationwide network of over 23,700 advisors.

Scott Baker is a financial advisor at RBC Capital Markets with 45 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at UBS Financial Services. Outside of his advisory role, he serves on the board of directors for High Plains Scuba and is president of Raging Flounder, a scuba diving instruction business. He also holds an elected position on the East Larimer County Water District board, where he helps set policy for the local water district. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual and institutional investors. The firm offers a range of advisory programs and implements customized investment strategies using both in-house and third-party managers, with options for tax management and responsible investing.

Tyler Dellinger is a financial advisor at Raymond James Financial with one year of industry experience. He holds the Series 66 designation and previously spent 12 years at Loveland Classical School. He is also involved with Dellinger Wealth Management, where he supports back office, compliance, and investment-related activities. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients, including individuals, institutions, and charitable organizations. The firm uses analytical tools and tailored strategies to align with client goals and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Aaron Grosul is a CFP® with 10 years of industry experience, currently serving as a financial advisor at Edward Jones since 2016. He is based in Windsor, CO. Outside of his advisory role, he owns a vacation rental property in Gulf Shores, AL. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with a broad range of investment strategies and affiliated services, managing approximately $1.01 trillion in assets.