Ellie Fraga is a financial advisor at First Command Advisory Services with a Series 66 credential and two years of industry experience. Prior to her current role, she held positions at First Command Insurance Services, First Command Brokerage Services, and Carroll College. First Command Advisory Services, Inc. is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a particular focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs using centrally managed model portfolios and approved third-party managers.

Jeffrey Jergensen is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 65 credentials and 10 years of industry experience. He has worked at T. Rowe Price since 2016 and previously held a position at J.A. Kasten Accounting. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service to individual investors and households focused on retirement goals, combining goals-based financial planning, retirement income planning, and discretionary investment management. The firm uses model allocations invested exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware strategies and Monte Carlo simulation-based financial planning delivered through an interactive online tool.

Thomas Van Dean is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and one year of industry experience. He has prior experience with The Herald Group and serves as a 1st Lieutenant quartermaster officer in the United States Army Reserve. T. Rowe Price Advisory Services, Inc. offers retirement-focused advisory services combining goals-based financial planning, retirement income planning, and discretionary investment management using model portfolios exclusively invested in T. Rowe Price mutual funds and ETFs. The firm primarily serves individual investors and households with a focus on retirement goals and employs tax-aware rebalancing and tactical allocations within a proprietary fund lineup.

Joseph Pollitt III is a financial advisor with T. Rowe Price Advisory Services, Inc. and holds a Series 66 designation. He has seven years of industry experience, including four years at USAA before joining T. Rowe Price in 2019. Outside of his advisory role, he works as a delivery driver for DoorDash. T. Rowe Price Advisory Services offers a retirement-focused financial planning and investment management program for individual investors and households, utilizing proprietary mutual funds and ETFs with a goals-based approach and discretionary account management.

Jason Zulkosky is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 credential and bringing 23 years of industry experience. He has worked with T. Rowe Price Investment Services, Inc. since 2006. Based in Colorado Springs, CO, his practice is part of a larger enterprise firm. T. Rowe Price Advisory Services, Inc. offers the Retirement Advisory Service, which combines nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households with retirement goals. The firm uses proprietary mutual funds and ETFs within model portfolios and employs specialized techniques such as tax-aware rebalancing and Monte Carlo simulations to produce financial plans and income projections.

Alan Swan is a financial advisor at T. Rowe Price Advisory Services, Inc. with 13 years of industry experience. He has been with T. Rowe Price since 2012 and holds a Series 66 designation. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service, which combines nondiscretionary financial planning, retirement income planning, and discretionary investment management using proprietary mutual funds and ETFs. The firm serves individual investors and households with a focus on retirement goals, employing model portfolios and online planning tools supported by telephone access to advisors.

Timothy Puckett is a financial advisor at T. Rowe Price Advisory Services, Inc. with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Camping World, T. Rowe Price, and Fis. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service, which combines goals-based financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households focused on retirement. The firm uses proprietary T. Rowe Price mutual funds and ETFs with a model allocation approach and offers online tools alongside advisor support.

Benjamin Prensner is a CFP® and holds a Series 66 license with 15 years of industry experience. He has worked at T. Rowe Price Investment Services, Inc. since 2011. Based in Colorado Springs, CO, he is associated with T. Rowe Price Advisory Services, Inc. T. Rowe Price Advisory Services, Inc. provides the T. Rowe Price Retirement Advisory Service, which serves individual investors and households focused on retirement planning. The firm combines nondiscretionary financial planning with discretionary investment management using model portfolios invested exclusively in proprietary mutual funds and ETFs.

Johnathan Gutierrez is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 66 and Series 63 licenses and has two years of industry experience. Prior to joining T. Rowe Price in an advisory role, he worked with the firm from 2019 to 2026 and has experience outside of finance with All American Auctions and Pikes Peak Community College. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program that combines goals-based financial planning, retirement income planning, and discretionary investment management. The firm serves individual investors and households using model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, with planning and account management supported by an interactive online tool.

Darrell Reagan is a CFP® professional with 18 years of industry experience, currently serving at T. Rowe Price Advisory Services, Inc. since 2013. He holds the Series 66 designation and is based in Colorado Springs, CO. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory program combining nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households. The firm invests exclusively in proprietary mutual funds and ETFs, using model allocations and tax-aware strategies, and delivers financial plans supported by Monte Carlo simulations and annual reviews.

David Flutts is a CFP® professional with 10 years of experience, currently serving as a financial advisor at T. Rowe Price Advisory Services, Inc. since 2016. He holds Series 63 and Series 66 licenses and is based in Colorado Springs, CO. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory service combining nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm serves individual investors and households with approximately $250,000 or more in investable assets, employing a goals-based approach supported by an online planning tool and annual plan reviews.

Kevin Henry is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and 13 years of industry experience. His career includes roles at Edward Jones and American Family Insurance, along with a period of self-employment. He is based in Colorado Springs, CO. T. Rowe Price Advisory Services offers a retirement advisory service focused on individual investors and households, combining goals-based financial planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs. The program includes comprehensive financial plans with annual reviews and employs tax-aware strategies and Monte Carlo simulations for retirement income projections.

Scott Palmer is a financial advisor with Lincoln Investment based in Colorado Springs, CO, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He also serves as president of Defined Wealth, Inc., which focuses on client acquisition and servicing, and participates as secretary of the Creekside Office Park HOA board. Palmer has worked at Capital Analysts and has been with Lincoln Investment since 2024. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers financial planning, model portfolios, and both discretionary and non-discretionary advisory programs, managing approximately $22.9 billion in assets as of late 2025.

Kevin Mayjor is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 66 and Series 63 credentials and four years of industry experience. He previously worked at Comcast for 15 years and has been with T. Rowe Price in various capacities since 2002. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households. The firm uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, applying tax-aware strategies and Monte Carlo simulations for retirement income projections.

Fajkon Djonbalaj is a financial advisor at Benjamin F. Edwards & Company, Inc. with 18 years of industry experience. He holds the Series 66 designation and has worked previously at Ameriprise and Wells Fargo Advisors. He serves on two nonprofit boards in the Colorado Springs area. Benjamin F. Edwards & Company is an SEC-registered investment adviser and broker-dealer serving a diverse client base, including individuals, pension plans, charitable organizations, and corporations. The firm offers a range of investment programs and advisory services through a large team of advisors and manages tens of billions in assets.

Ann Dunn is a financial advisor with T. Rowe Price Advisory Services, Inc. in Colorado Springs, CO, holding Series 66 and Series 63 licenses and bringing four years of industry experience. She has worked at T. Rowe Price since 2018 and previously at CarMax The Auto Super Store from 2014 to 2018. T. Rowe Price Advisory Services, Inc. provides the T. Rowe Price Retirement Advisory Service, which offers nondiscretionary financial planning, retirement income planning, and discretionary investment management to individual investors and households. The firm uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware strategies and Monte Carlo simulations for retirement planning.

William Mercer is a financial advisor at Hightower Advisors with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at UBS PaineWebber Inc. for 16 years prior to joining Hightower in 2017. Mercer is based in Colorado Springs, CO. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals, institutions, and pooled investment vehicles. The firm’s approach emphasizes manager selection, multi-manager solutions, and utilizes both affiliated and third-party managers across various investment strategies.

Chandler Crespin is a financial advisor at Schwab Wealth Advisory with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at TIAA-CREF. Chandler is based in Colorado Springs, CO. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews and tailored investment recommendations across various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, utilizing proprietary research tools while leaving final trading decisions to clients.

Emmanuel Spencer is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds a Series 66 designation and has two years of industry experience. Prior to joining T. Rowe Price, he worked at Fidelity Investments and Northwestern Mutual. Outside of his advisory role, he is the sole proprietor of Viking Vinyl LLC, a marketing material production business. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households, utilizing model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs.

Daniel Mclane Jr. is a CFP® professional with 15 years of industry experience, currently serving at T. Rowe Price Advisory Services, Inc. since 2010. He holds the Series 66 designation and is based in Colorado Springs, CO. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory service combining financial planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm serves individual investors and households, providing goal-based plans and portfolio management with an emphasis on tax-aware strategies and Monte Carlo-based projections.