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 at Cetera with 15 years of industry experience. He holds a Series 66 designation and has previously worked with The Planning and Investment Center, Centaurus Financial INC., and Uber. Outside of his advisory role, he volunteers as a driver for Meals on Wheels in Fort Collins, CO. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored 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 various 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.

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.

Austin Kelly is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and 21 years of industry experience. He previously worked at Triad Advisors Inc. and Cosner Financial Group, LLC. Kelly is also an Associate at The Compass Wealth Group in Fort Collins, CO. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, institutions, and organizations. The firm uses tailored, non-discretionary planning supported by analytical tools and maintains unique municipal and public-finance affiliations.

Kevin Dunnigan is a CFP® professional affiliated with LPL Financial in Loveland, Colorado, with 42 years of industry experience. He worked at Investment Centers of America, Inc. for 31 years before joining LPL Financial in 2017. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, supported by a large network of investment adviser representatives.

Alexander Fridley is a financial advisor at LPL Financial in Fort Collins, CO, holding a Series 66 designation with two years of industry experience. His prior work includes roles at Broadridge, Rocket Mortgage, and US Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

David Menard is a financial advisor at Osaic with 25 years of industry experience. He holds Series 63 and Series 66 credentials and has worked previously at Signator Investors, Inc. and Transamerica Financial Advisors. He serves as a board member of the Fortunaire Club Charitable Foundation. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering both brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, providing a range of programs including unified managed accounts and third-party money manager options.

Hayden Lowry is a financial advisor with LPL Financial who holds Series 63 and Series 66 designations and has eight years of industry experience. He has worked at LPL Financial since 2015 with additional experience at OppenheimerFunds and Points West Community Bank. Lowry also produces a blog and newsletter focused on basic personal finance education. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with a range of customizable investment strategies and operational tools.

John Minton is a Series 66-credentialed financial advisor with Ameriprise in Windsor, Colorado, and has 11 years of industry experience. His career includes roles at Ameriprise Financial Services, LLC since 2020, and American Enterprise Investment Services since 2019, among other firms. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

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 previously worked at Wells Fargo Clearing for nine years before joining Morgan Stanley in 2025. Glassman holds the Series 63 and Series 66 designations and is based in Loveland, Colorado. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning that utilizes structured discovery conversations and firm-approved tools to model outcomes without providing individual security recommendations.

Jonathan Mintle is a CFP® and holds a Series 66 license, with 11 years of industry experience. He has been with Edward Jones since 2015, working in their Fort Collins, CO office. Outside of his advisory role, he maintains rental properties in Colorado Springs and Fort Collins. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management and a nationwide network of more than 23,000 financial advisors. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

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.

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.

Genesis Vlcek is a financial advisor with Raymond James Financial in Fort Collins, CO, holding a Series 66 designation and three years of industry experience. Prior to his current role, he has held various positions at Bank of Colorado and worked in education at Colorado Early College and local schools. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a broad client base including individuals, high-net-worth clients, corporations, and institutional investors. The firm provides non-discretionary planning and investment consulting tailored to client goals, using risk profiling and modeling tools, and supports institutional consulting and portfolio management through its extensive network.

Aaron Henrichsen is a Financial Consultant at Fidelity Investments, where he works directly with clients to develop comprehensive financial plans and guide them in achieving their financial goals. As a Certified Financial Planner (CFP®), he emphasizes planning, coaching, and education in his professional practice. He began his role at Fidelity Investments in 2023. Aaron holds a California Insurance License, which supports his work in financial consulting. Outside of his professional activities, Aaron engages in personal interests such as board games, hiking, military service, parenthood, reading, and running.

Bradford Kidd is a financial advisor with LPL Financial in Fort Collins, CO, holding a Series 66 designation and 11 years of industry experience. His prior experience includes roles at Waddell & Reed, Inc and various insurance carriers associated with W&R Insurance Agencies. He is also a partner in CPA Group of The Rockies, a tax preparation and accounting firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.