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.

Olivia Sebastian is a financial advisor with Concurrent Investment Advisors, LLC, holding Series 63 and Series 65 licenses and possessing 21 years of industry experience. Her prior roles include positions at Purshe Kaplan Sterling Investments, Raymond James Financial Services, and Wells Fargo Advisors. In addition to her advisory work, she manages two non-investment-related businesses, Formidable Financial LLC and Formidable Financial Holdings, LLC. Concurrent Investment Advisors, LLC is an SEC-registered multi-team firm serving individuals, families, trusts, businesses, and retirement plans. The firm offers customized wealth and investment management strategies, utilizing ETFs, mutual funds, and other securities, supported by a network of approximately 286 advisors serving over 13,000 clients.

Timothy Puckett is a financial advisor with T. Rowe Price Advisory Services, Inc. based in Colorado Springs, CO. He holds Series 63 and Series 66 licenses and has seven years of industry experience. His prior work includes roles at Fis and Camping World. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining nondiscretionary financial planning, retirement income planning, and discretionary investment management, serving individual investors and households. The firm uses proprietary mutual funds and ETFs with a goals-based approach supported by an interactive online planning tool and Monte Carlo simulations.

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.

Tracey Frank is a financial advisor with Concurrent Investment Advisors, LLC, holding Series 63, 65, and 66 designations and bringing 38 years of industry experience. She has worked with several firms, including Strategic Advisors, Spire Investment Partners, and Raymond James Financial Services. Concurrent Investment Advisors, LLC is an SEC-registered, multi-team advisory firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm offers customized, primarily long-term portfolio management using ETFs, mutual funds, and other investment vehicles, supported by a network of approximately 286 advisors serving over 13,000 clients.

Johnathan Gutierrez is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 licenses and has two years of industry experience. Prior to joining T. Rowe Price's advisory services team, he worked within the firm in other capacities and previously spent five years at All American Auctions and seven years at Pikes Peak Community College. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households. The firm utilizes proprietary mutual funds and ETFs within model portfolios and incorporates tax-aware strategies and Monte Carlo simulations to support retirement income planning.

Zachary Poitra is a financial advisor at Foundations Investment Advisors LLC with three years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Insight Folios and Iglesia Del Despertar. Outside of his advisory role, Poitra provides insurance and non-legal estate planning administrative services at Imprimis Wealth Management. Foundations Investment Advisors, LLC serves a broad client base, including individuals, high-net-worth clients, employer-sponsored retirement plans, and registered investment companies. The firm offers financial planning and portfolio management using a variety of analytical approaches and employs third-party sub-advisers and custodians.

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 in Colorado Springs, CO, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He previously worked at Defined Wealth, Inc. for nine years and has returned to Lincoln Investment after earlier service there for 14 years. He serves as secretary of a local HOA board. Lincoln Investment Planning, LLC is a large enterprise firm serving individual and high-net-worth investors, trusts, charities, and retirement plans, including educators with 403(b) and 457(b) programs. The firm offers financial planning, advisor-led consulting, and portfolio management supported by an in-house Investment Management & Research team that constructs strategic model portfolios and dynamic strategies.

Kevin Mayjor is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 registrations and bringing four years of industry experience. He previously worked at Comcast for 15 years. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory service that integrates nondiscretionary financial planning with discretionary investment management, serving individual investors and households through a model portfolio approach using proprietary T. Rowe Price mutual funds and ETFs.

Fajkon Djonbalaj is a financial advisor with Benjamin F. Edwards & Company, Inc. in Colorado Springs, CO, holding a Series 66 designation and 18 years of industry experience. Prior to joining Benjamin F. Edwards, he worked at Ameriprise and Wells Fargo Advisors. He serves as a trustee and executive board member for local nonprofit organizations. Benjamin F. Edwards & Company is an integrated broker-dealer and SEC-registered investment adviser serving individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate clients through more than 500 advisors. The firm offers a range of services including advisory programs, financial planning, investment management, and brokerage services, combining proprietary strategies with third-party models and operating an internal trading desk.

Ann Dunn is a financial advisor with T. Rowe Price Advisory Services, Inc. based in Colorado Springs, CO. She holds the Series 63 and Series 66 designations and has eight years of experience with T. Rowe Price following four years at CarMax The Auto Superstore. T. Rowe Price Advisory Services offers a retirement-focused advisory program for individual investors and households, combining goals-based financial planning and discretionary investment management primarily through proprietary mutual funds and ETFs. The firm uses model allocations and tax-aware strategies tailored to clients with approximately $250,000 or more in investable assets.

William Mercer is a financial advisor at Hightower Advisors with 43 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Hightower since 2017, following 16 years at UBS PaineWebber Inc. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients. The firm’s investment approach emphasizes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers along with proprietary research and portfolio construction methods.

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 worked at Schwab Wealth Advisory and Charles Schwab & Co. since 2022. His prior experience includes roles at TIAA-CREF, Tiaa, and Fidelity. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s guidance is based on Schwab’s asset-allocation models and internal research tools, with client approval required for all trades.

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.