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®-designated financial advisor with 42 years of industry experience, currently affiliated with LPL Financial since 2017. Prior to LPL, he spent 31 years at Investment Centers of America, Inc. He is based in Loveland, Colorado. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a broad network of advisers. The firm offers a variety of advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Howard Cohen is a financial advisor at Stifel with 42 years of industry experience. He has worked at Stifel, Nicolaus & Co., Inc. since 2003. He holds Series 63 and Series 65 licenses. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation models developed by its Investment Strategy Group.

Taylor Gustad serves as a Benefits & Planning Consultant in Executive Services at Fidelity Investments, a role held since 2026. Prior to this, Taylor progressed through various positions within Fidelity Investments, including Investment Solutions Representative levels I through III from 2021 to 2026. Taylor holds insurance licenses in Arkansas and California. In their professional approach, Taylor emphasizes understanding each client's unique financial situation to develop clear and actionable financial plans. Outside of work, Taylor has interests that include board games, food, playing musical instruments, movies, music, and pets.

Alexander Fridley is a financial advisor at LPL Financial with two years of industry experience. He holds the Series 66 designation and previously worked at Broadridge, Rocket Mortgage, Union Home Mortgage, Nationstar Mortgage, and US Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting with both discretionary and non-discretionary management options.

David Menard is a financial advisor with OSAIC based in Fort Collins, Colorado, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. He previously worked at Signator Investors, Inc. from 2016 to 2018. Menard serves as a board member for the Fortunaire Club Charitable Foundation. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs. The firm utilizes asset-allocation tools, risk-tolerance assessments, and automated rebalancing in portfolio construction, supporting both discretionary and non-discretionary account management.

Hayden Lowry is a financial advisor with LPL Financial in Loveland, CO, holding Series 63 and Series 66 licenses and eight years of industry experience. His prior work includes roles at Points West Community Bank and OppenheimerFunds. Lowry also maintains a personal finance blog and newsletter focused on basic financial education. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by model portfolios and research from multiple sources.

Jeremy Harman is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and bringing 10 years of industry experience. His career includes roles at PFS Investments Inc. since 2016 and Primerica Financial Services since 2015. Outside of finance, he is the managing member and owner of H&C Installations LLC in LaSalle, Colorado. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable entities. The firm uses model-delivery strategies managed by unaffiliated asset managers and offers discretionary portfolio management supported by BNY Mellon Advisors and Pershing.

Oscar Maldonado is a financial advisor at J.P. Morgan Securities with a Series 66 designation and three years of industry experience. He has been associated with J.P. Morgan Securities since 2022 and has a longer tenure with JPMorgan Chase Bank dating back to 2007. Outside of his advisory role, Maldonado is involved in real estate as an owner and partner in multiple investment properties. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

John Minton is a financial advisor with Ameriprise in Windsor, CO, holding a Series 66 designation and 11 years of industry experience. His career includes roles at Ameriprise Financial Services, American Enterprise Investment Services, and MetLife Securities. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

Samantha White is a financial advisor with Cetera who holds a Series 66 designation and has four years of industry experience. She has worked at several firms including Avantax Advisory Services and West Ridge Financial Services LLC. Outside of her advisory role, she owns and operates a bookkeeping and tax preparation business and serves as treasurer for a local city council campaign. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts through a multi-manager platform that offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Jorge Gutierrez is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. His prior work history includes roles at Wells Fargo and Bank of America, as well as positions outside the financial industry in automotive and education sectors. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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 holds the Series 63 and Series 66 designations and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. She is based in Loveland, Colorado. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools such as Secular Return Estimates and Monte Carlo simulations in its financial planning process.

Craig Conner is a financial advisor at LPL Financial with 17 years of industry experience. He holds the CFP®, ChFC®, and Series 66 designations. His prior roles include positions at Ameriprise, Ameriprise Financial Services INC, J.P. Morgan Securities, and JPMorgan Chase Bank NA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

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.

Noah Brown is a financial advisor at Equitable Advisors with seven years of industry experience. He holds a Series 66 designation and has worked previously at Axa Advisors, LLC, and Cedrus. Before entering the financial services field, he spent time in other roles including at Costar Pro Painting and Fremont Health. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives, utilizing third-party managers and proprietary strategies to tailor solutions to client needs.