Melissa Mc Gowan is a CFP® professional with 8 years of industry experience, currently serving as an advisor at Sharkey Howes & Javer Inc in Denver, CO. She has been with the firm since 2011. Sharkey Howes & Javer Inc is a fee-only fiduciary firm serving individuals, high-net-worth households, trustees, businesses, and retirement plans. The team manages over $1.1 billion across approximately 868 client relationships, employing active asset-allocation strategies and offering services including financial planning, portfolio management, and an online 401(k) platform.

James Peters is a financial advisor with Triumph Capital Management in Denver, CO, holding a Series 66 designation and 18 years of industry experience. He has worked with several firms, including Cetera Advisor Networks and Summit Financial Group. Outside of advisory services, he is an insurance agent offering fixed, long-term care, and disability insurance through an affiliated agency. Triumph Capital Management provides discretionary investment management, financial planning, and retirement plan advisory services to a diverse client base that includes individuals, families, small businesses, and institutions. The firm utilizes a combination of fundamental, cyclical, and technical analysis and offers model-based programs and access to third-party asset managers.

Daric Olson is a financial advisor with PCM Encore, LLC in Denver, CO, holding a Series 66 credential and 11 years of industry experience. His prior roles include positions at Invesco Advisers, Inc., Russell Investments, Nuveen Asset Management, and Advisors Asset Management. PCM Encore provides investment management, financial planning, family-office, and consulting services to individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm manages over $2.0 billion in client assets using a diversified, tax-aware investment approach grounded in Modern Portfolio Theory and strategic asset allocation.

Cade Hengel is a financial advisor at Aspen Wealth Strategies, LLC with nine years of industry experience. He holds the Series 66 designation and has worked at Raymond James Financial Services in various capacities prior to joining Aspen Wealth Strategies in 2020. Aspen Wealth Strategies serves individuals, high-net-worth clients, trusts, estates, businesses, and charitable organizations with approximately $312 million under management. The firm employs a primarily long-term, fundamentals-driven investment approach using low-cost mutual funds and ETFs, supplemented by individual securities, alternatives, and options, alongside proprietary quantitative models.

Robin Carlin is a financial advisor at Townsend with a Series 65 designation and one year of industry experience. Prior to joining Townsend, Robin worked at Gallacher Capital Management and held roles in media and nonprofit organizations, including the Mississippi Wildlife Federation. 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 provides tailored financial planning and asset management services, using a combination of top-down and bottom-up investment strategies across various asset classes.

Lorie Jones is a CFP® and holds a Series 66 license with 11 years of industry experience. She is currently part of Tandem Financial, LLC, where she has worked since 2025. Prior to that, she held roles at Purshe Kaplan Sterling Investments, Fidelis Wealth Advisors, Northwest Asset Management, and Gwfs Equities. Outside of her advisory work, Jones hosts a podcast through her ownership of Fearless Female LLC, where she interviews individuals about their careers. Tandem Financial serves individuals, estates, trusts, foundations, businesses, and employer-sponsored retirement plans, providing investment management and comprehensive financial planning. The firm uses diversified asset allocation, a combination of fundamental and technical analyses, and offers both discretionary and non-discretionary services, including a formal retirement-plan advisory practice and the use of alternative investment instruments.

David Holland is a financial advisor at Global Wealth Strategies and Associates, LLC in Denver, CO, with nine years of industry experience. He holds a Series 66 designation and has worked previously at MML Investors Services, Mass Mutual Life Insurance Company, and Great West Financial. Outside of his advisory role, Holland owns Holland Business Consulting, LLC, which provides CPA and tax preparation services. Global Wealth Strategies and Associates offers 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 asset allocation and integrates tailored growth and fixed-income strategies, often coordinating with outside professionals to meet client objectives.

Ralph Rigler is a CFP® professional with eight years of industry experience, currently serving as an advisor at Q3 Advisors, LLC. His prior experience includes roles at Core Wealth Management, TIAA-CREF, Creative Planning, Exencial Wealth Advisors, and JPMorgan Securities. Q3 Advisors provides financial planning and tax-focused consulting services through fixed-fee, planning-level engagements without managing investment portfolios or recommending specific securities. The firm serves individual clients with offerings such as Roth conversion strategies and comprehensive financial plans, and coordinates with independent CPA firms for tax return preparation.

Daniel Carreno is a financial advisor at Natural Investments with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Fred Alger & Company and Ethos ESG. He is also involved with O-Six Impact Partners, LLC. Natural Investments is a values-focused advisory firm providing financial planning and portfolio management primarily for individuals, including high-net-worth households, as well as institutions and charitable entities. The firm emphasizes asset-class diversification and long-term strategies using socially responsible investments, operating under a public-benefit structure with a unique ownership model.

Perry Mattern is a CFP® professional with 25 years of industry experience. He has worked at Mattern Capital Management, LLC since 2019 and previously held roles at Wells Fargo Advisors LLC and Wells Fargo Clearing. Outside of his advisory work, he has ownership interests in land acquisition and storage unit businesses. Mattern Capital Management serves individuals, high-net-worth clients, trusts, pension and profit-sharing plans, foundations, corporations, and other business entities. The firm offers investment and wealth management, financial planning, and consulting services, primarily providing discretionary portfolio management with tax-efficient, cost-effective asset allocations that combine active and passive strategies across various asset classes.

Christopher Wiethe is a financial advisor with Guardian Wealth Partners, LLC, holding the CFP® and ChFC® designations and possessing 12 years of industry experience. His prior roles include positions at Park Avenue Investment Advisory, Facet Wealth, CliftonLarsonAllen Wealth Advisors, and Northwestern Mutual. Guardian Wealth Partners, LLC, operating as Park Avenue Investment Advisory, serves individual investors, trusts, corporations, and employer-sponsored retirement plans. The firm provides discretionary investment management through model portfolios and third-party managers, fee-based financial planning, and retirement plan services.

Christine Wang is a CFP® professional with 13 years of industry experience. She currently serves as an advisor at Nilsine Partners, LLC and previously worked at Schwab Private Client Investment Advisory, Inc. and Charles Schwab & Co., Inc. prior to joining Nilsine Partners. Nilsine Partners advises individuals, trusts, pension plans, and corporate clients with discretionary portfolio management, financial planning, and access to third-party managers. The firm is noted for its role as an investment adviser to feeder and master funds, actively managing model portfolios and providing access to alternative investment platforms.

Roxanne Dillon is a Series 65-licensed financial advisor with Financial Security Management, Inc. She has one year of industry experience and previously worked for the City and County of Denver and the YMCA of San Diego. Financial Security Management, Inc. serves individuals, high-net-worth clients, estates, trusts, and retirement plans, managing approximately $611.5 million in assets. The firm employs asset-allocation strategies based on modern portfolio theory and offers a range of services including portfolio management, retirement plan consulting, participant education, and legacy management.

Derek Landis is a CFP® with seven years of industry experience, currently serving as an advisor at Normandy Capital Management, LLC since 2018. Prior to joining Normandy, he worked at the University of Sioux Falls from 2013 to 2018. Normandy Capital Management provides discretionary investment management, financial planning, and retirement-plan advisory services to individuals, trusts, estates, pensions, and businesses. The firm employs a mix of fundamental, technical, charting, and cyclical analysis within an asset-allocation framework and emphasizes active management guided by client-specific Investment Policy Statements.

Sonya Ziolkowski is a financial advisor at HTG Investment Advisors Inc with six years of industry experience. She holds Series 63 and Series 65 registrations. Prior to joining HTG in 2021, she worked at Sanford C. Bernstein & Co., LLC from 2018 to 2021 and spent six years at the New York Stem Cell Foundation. HTG Investment Advisors provides discretionary investment management and comprehensive financial planning to individuals, families, and trusts, including high-net-worth clients. The firm emphasizes strategic asset allocation, diversification, and uses a mix of passive, quantitative, and active funds to implement portfolios.

Terri Propp is a CFP® with 13 years of industry experience. She is currently with Global Wealth Strategies and Associates, LLC and previously worked at Colorado Wealth Group LLC and Gill Capital Partners. 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 tailored growth and fixed-income strategies, typically implementing portfolios on a discretionary basis while coordinating with outside advisors.

Christopher Ofsthun is a financial advisor at Next Capital Management LLC with five years of industry experience. He holds a Series 65 designation and has worked at Next Capital Management since 2010, with a brief period away from the firm between 2018 and 2020. Next Capital Management provides discretionary and non-discretionary investment advisory services to individuals, trusts, retirement plans, charitable organizations, business entities, and insurance companies, including sub-advisory services for private placement life insurance assets. The firm offers tailored asset allocation strategies and a range of investment options including mutual funds, ETFs, individual equities, and structured products.

Timothy Waters is a financial advisor with Triumph Capital Management in Denver, CO, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He previously worked at Cetera Advisor Networks and Summit Financial Group. Waters is also an insurance agent with Triumph Capital, LLC, where he assists in placing insurance policies aligned with clients’ financial plans. Triumph Capital Management provides discretionary investment management, financial planning, and retirement plan advisory services to individual investors, families, small businesses, foundations, trusts, and estates. The firm employs a combination of fundamental, cyclical, and technical analysis and offers model-based programs and access to third-party asset managers.

Vincent Polivka is a financial advisor with Vanguard Capital in Denver, CO, holding a Series 63 designation and 37 years of industry experience. He has worked at Vanguard Capital since 1999 and Vanguard Capital Wealth Advisors since 2016. Vanguard Capital is a team of five advisors managing discretionary investment portfolios primarily for individual and high-net-worth clients. The firm integrates financial planning with investment management, focusing on diversification, risk management, and medium- to long-term holding periods, while also offering consulting services related to estate planning, insurance, and retirement plan rollovers.

Tammi Ellis is a Series 65-credentialed advisor at Forty North Wealth with three years of industry experience. She previously worked at Fidelity National Title Insurance and First American Title Insurance before joining Panoramic Investment Advisors, now operating as Forty North Wealth. Ellis also serves as a compliance consultant for Integrated Compliance Advisors, LTD. Forty North Wealth advises individuals, high-net-worth clients, families, trusts, estates, retirement plans, and charitable foundations. The firm offers discretionary investment management and financial planning services, tailoring allocations based on client interviews and ongoing risk assessments.