Michael Pollard is a financial advisor with Mountain Capital Investment Advisors Inc, holding a Series 65 credential and five years of industry experience. He has been with Mountain Capital since 2020 and concurrently works as an instructor pilot for United Airlines, a role he has held since 2013. Mountain Capital Investment Advisors serves individuals, high-net-worth clients, trusts, estates, and charitable organizations with discretionary wealth management, investment management, and financial planning. The firm focuses on long-term portfolio management using diversified, low-cost mutual funds and ETFs, combining fundamental and technical analysis to tailor asset allocation to client goals and risk tolerance.

John Downing is a financial advisor at Cetera with 42 years of industry experience. He holds the Series 66 designation and has worked with multiple firms, including Hinds Financial Group Inc. and Minnesota Mutual. Outside of advisory work, he serves as president of The Down Court Group, Inc., focusing on fixed insurance sales and service. Cetera is an SEC-registered adviser that supports a broad client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with various program structures.

Terri Hinrichs is a CFP® and ChFC® with 12 years of industry experience, currently serving as a financial advisor at Global Wealth Strategies and Associates, LLC. She has been with the firm since 2021. Outside of her advisory role, she acts as an insurance agent for various carriers and serves as a trustee to a family irrevocable trust. Global Wealth Strategies and Associates provides discretionary investment management, financial planning, retirement-plan advisory, and consulting services to a range of individual and institutional clients. The firm employs a top-down, macro-environmental approach to tactical asset allocation and offers tailored growth and fixed-income strategies, often coordinating with outside advisors and accommodating client-specific restrictions.

Samuel Issermoyer is a CFP® and CFA® with four years of industry experience. He is currently with Crusonia Wealth Advisors LLC, where he has worked for one year. Prior to this, he held roles at Valeo Financial Advisors, Regions Bank, and Wells Fargo. Crusonia Wealth Advisors serves individuals, high-net-worth clients, trusts, pension plans, and business entities by providing wealth advisory services that include discretionary portfolio management, financial planning, and consulting. The firm uses a multi-disciplinary investment approach incorporating equities, fixed income, alternative investments, and third-party managers, and it is affiliated with Crusonia Tax Advisors for standalone tax services.

Jarrod Musick is a CFP® professional with 15 years of experience, currently serving at Destiny Capital Corporation since 2011. He holds the Series 66 designation and is the majority owner of Destiny Holdings, the parent company of Destiny Capital Corporation, where he also serves as President and Secretary of the board. Outside of his advisory role, he is the author of *The Abundant Entrepreneur* and owns Victory Fit, a gym in Centennial, Colorado, where he oversees financial and business strategy. Destiny Capital serves individuals, high-net-worth clients, trusts, and estates, including a specialized practice for entrepreneurs. The firm manages approximately $382 million across 260 clients through an eight-advisor team and offers discretionary portfolio management, financial planning, consulting, and tax planning via an affiliated entity. Their investment approach combines strategic asset allocation with tactical adjustments, incorporating quantitative, fundamental, and ESG analyses.

Drew Hayworth is a CFA® charterholder with 31 years of industry experience. He is currently with Townsend in Westminster, CO, where he has worked for four years. His prior roles include positions at Highgate Securities Investments and Gallacher Capital Management. He also serves as a Senior Investment Analyst for Townsend & Associates, focusing on security selection, portfolio construction, and trading. Townsend is an SEC-registered advisory firm with 18 advisors managing approximately $1.52 billion for around 1,500 clients. The firm provides tailored financial planning, asset management, and retirement plan services using a combination of top-down macro and bottom-up fundamental analysis across various investment vehicles.

Kyle Brown is a financial advisor at Global Wealth Strategies and Associates, LLC in Denver, CO. He holds the Series 65 designation and has experience working at Greffex, Inc and SomaLogic, Inc prior to joining his current firm. His background also includes roles at the University of Colorado Denver and Levy Restaurants. Global Wealth Strategies and Associates provides discretionary investment management, financial planning, retirement-plan advisory, and consulting services to individual and institutional clients. The firm employs a top-down, macro-environmental approach to tactical asset allocation and constructs customized growth and fixed-income strategies tailored to client objectives.

Shawn Kelly is a financial advisor at Townsend with 24 years of industry experience and holds a Series 66 designation. He has worked with Townsend Retirement Specialists since 2008 and has previous experience at Securities America, Inc. Kelly is a general partner of Kelly Lakeshore Limited Partnership, an entity associated with ownership of a family lake house. Townsend is an SEC-registered advisory firm serving individuals, high-net-worth clients, trusts, estates, and retirement-plan participants. The firm manages approximately $1.52 billion across a team of 18 advisors and offers customized financial planning, asset management, retirement plan consultation, and related services using a combination of macro and fundamental investment strategies.

Clifford Mintz is a Series 65 licensed financial advisor at freeGulliver, LLC with seven years of industry experience. He has been with freeGulliver since 2018 and was previously self-employed and worked at RADoLO, LLC. In addition to his advisory role, he is a partner in Sweet Nola LLC, a retail food service business, and serves as a trustee of family-related trusts. FreeGulliver provides investment advisory and financial planning services to individuals, private investment vehicles, pension and profit-sharing plans, and family offices. The firm offers discretionary and non-discretionary portfolio management, acts as manager and administrator for multiple private funds, and tailors investment strategies to client objectives, using a range of instruments including mutual funds, ETFs, and derivatives.

John Goltermann is a CFA® charterholder with 29 years of industry experience. He is currently an advisor at Townsend, where he has worked for four years. His prior experience includes roles at Obermeyer Wood Investment Counsel and Highgate Securities Investments LLC. Townsend is an SEC-registered advisory firm serving individuals, high-net-worth clients, trusts, estates, and retirement-plan participants through a team of 18 advisors. The firm manages approximately $1.52 billion using a mix of top-down macro and bottom-up fundamental analysis, offering customized financial planning and asset management services.

Dalyce Tinoco is a CFP® professional with nine years of experience in financial advising, currently serving at Class VI Family Office, LLC in Denver, Colorado. She has been associated with CVA Family Office for over a decade. Dalyce is a member of the Entrepreneur Private Investment Club (EPIC), participating in a network focused on private investment opportunities. Class VI Family Office advises business owners, executives, and entrepreneurs on wealth planning and investment management, emphasizing strategies around significant liquidity events. The firm employs a holistic, IPS-driven process that prioritizes strategic asset allocation, tax efficiency, and capital preservation while utilizing a range of investment vehicles and performing regular portfolio reviews.

Jack Walker is a Series 65-credentialed advisor with four years of industry experience. He is currently with BAM Wealth Management LLC and has prior experience at CreativeOne Wealth, LLC and Risemint Capital Advisors. Previously, he was affiliated with the University of Colorado Boulder for seven years. BAM Wealth Management primarily serves individual and high-net-worth clients, as well as select corporations, non-profits, and employer-sponsored retirement plans. The firm uses a combination of third-party model portfolios, boutique managers, and in-house analysis employing methods such as modern portfolio theory, quantitative and fundamental analysis to create tailored investment strategies.

Madeline Kleinman is a CFP® and Series 66 licensed advisor at Crusonia Wealth Advisors LLC in Denver, CO, with eight years of industry experience. Her prior roles include positions at Charles Schwab Bank and Private Capital Management, as well as involvement with Junior Achievement - Rocky Mountain. Crusonia Wealth Advisors serves individuals, high-net-worth clients, trusts, pension plans, and business entities by providing discretionary portfolio management, financial planning, and consulting. The firm employs a multi-disciplinary investment approach incorporating equities, fixed income, alternatives, and third-party managers, and is affiliated with Crusonia Tax Advisors for standalone tax services.

Conner Murray is a financial advisor at Mountain Capital Investment Advisors Inc with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Mountain Capital since 2021. His prior experience includes roles at JPM Institutional Investments Inc and JPM Investment Management from 2018 to 2021, as well as Jackson National Life Distributors LLC from 2016 to 2018. Mountain Capital Investment Advisors is an SEC-registered wealth management firm serving individuals, high net worth clients, trusts, estates, and charitable organizations. The firm offers customized investment strategies focused on long-term growth using low-cost, diversified funds, individual securities, and ongoing portfolio monitoring.

Brian Quint is a CFP® and Series 65-registered advisor with Mountain Capital Investment Advisors Inc, where he has worked since 2020. He has five years of industry experience and previously worked at Ace Hotel for seven years. Mountain Capital Investment Advisors serves individuals, high-net-worth clients, trusts, estates, and charitable organizations by providing discretionary wealth management, investment management, and financial planning. The firm emphasizes long-term portfolio management using diversified, low-cost mutual funds and ETFs, combining fundamental and technical analysis to tailor asset allocation to client goals and risk tolerance.

Heather Holtzinger is a CFP® with 12 years of industry experience. She is affiliated with RoseCap Investment Advisors, LLC, a team of five advisors based in Denver, CO, and has worked at Grandview Investment Advisors, LLC since 2012. Heather is currently winding down her involvement with Grandview Capital dba Grandview Investment Advisors. RoseCap Investment Advisors provides discretionary asset management, financial planning, sub-advisory services, and retirement plan advisory to individuals, families, trusts, businesses, and institutional clients. The firm employs a goal-based investment approach using broader asset classes and low-cost ETFs, and serves both private clients and employer-sponsored retirement plans.

Coleman Shwayder is a CFP® and holds a Series 66 license, currently serving as an advisor at 7Two with three years of industry experience. His prior roles include positions at MML Investors Services, MassMutual Life Insurance, and Northwestern Mutual. 7Two provides financial planning, discretionary portfolio management, and investment consulting to individuals, families, institutions, and family offices. The firm combines fundamental and technical analysis with strategic asset allocation, utilizing a mix of low-cost mutual funds, ETFs, alternative investments, and individual securities.

John Ramsey is a financial advisor with Aptus Financial, LLC in Denver, CO. He holds a Series 65 designation and has one year of experience in the financial industry. Prior to joining Aptus Financial, he worked at TransUnion and SAS Institute and spent six years in homemaking. Aptus Financial provides flat-fee financial planning and advisory services primarily to early- to mid-career professionals, business owners, and medical/dental trainees. The firm follows a passive, long-term investment approach focused on tax-aware asset allocation and low-cost index funds and ETFs, offering subscription-based support and educational programs.

Collin Schmidt is a CFP® with 13 years of industry experience, currently serving as an advisor at Crusonia Wealth Advisors LLC. He has previously worked at Private Capital Management and Wagner Wealth Management. Crusonia Wealth Advisors serves individuals, high-net-worth clients, trusts, pension plans, and business entities by providing wealth advisory services that include discretionary portfolio management, financial planning, and consulting. The firm employs a multi-disciplinary investment process using a range of investment vehicles and is affiliated with Crusonia Tax Advisors, offering standalone tax preparation services through certified public accountants.

David Afraimi is a financial advisor at BAM Wealth Management LLC with 15 years of industry experience. He holds the Series 66 designation and has previously worked at CreativeOne Wealth, LLC and Client One Securities, LLC. Afraimi is also the owner of BAM Advisory Group, where he oversees sales of fixed, indexed, and life insurance products. BAM Wealth Management serves individual and high-net-worth clients, as well as select corporations, non-profits, and employer-sponsored retirement plans. The firm employs a combination of third-party model portfolios, boutique managers, and in-house analysis to offer fee-based asset management and comprehensive financial planning.