Melissa De Lodder is a financial advisor at Cetera with 11 years of industry experience. She holds a Series 66 designation and has worked with firms including LPL Financial and Summit Brokerage Services. She has been associated with various Cetera entities since 2019. Cetera Investment Advisers LLC serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers portfolio management, financial planning, and access to third-party money managers across various program structures and custodial relationships.

Russell Simmons III is a financial advisor with Charles Schwab in Lone Tree, CO, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. His career includes roles at TD Ameritrade and Schwab Private Client Investment Advisory, as well as 18 years of service in the U.S. Army Reserve. Outside of finance, he manages farming finances and livestock decisions for his family farm, Small Farm USA, LLC. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering integrated advisory, brokerage, custody, and cash-sweep services through various wrap fee programs and managed accounts. The firm’s approach combines non-discretionary client guidance with access to affiliated discretionary strategies and a formal alternative-investment program.

Geoffrey Laughlin is a financial advisor at Robert W. Baird & Co. with 22 years of industry experience. He has been with Robert W. Baird & Co. since 2009 and holds a Series 66 designation. He is part of the DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers tailored consulting and portfolio management services using a variety of strategies, including discretionary management and separately managed accounts, and provides municipal advisory and public finance services alongside its investment and trust capabilities.

Matthew Indge is a financial advisor at Charles Schwab with four years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at BJ's Restaurant & Brewhouse and the University of Colorado Boulder. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment guidance using multi-asset model portfolios and maintains a distinctive integrated structure that combines advisory relationships with access to affiliated discretionary investment management.

Mark Weiss is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and bringing 26 years of industry experience. He previously worked for Ameriprise Financial Services, Inc. for 20 years before joining Cambridge in 2019. Weiss is also involved in entrepreneurial ventures, including ownership of Wolf Creek Capital and part ownership of an LLC holding a franchise. Cambridge Investment Research Advisors serves a diverse client base that includes individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, delivering both discretionary and non-discretionary investment strategies across multiple platforms.

Daniel Hellman is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and having 10 years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2015 and at Charles Schwab Bank since 2017. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Mingmar Sherpa is a financial advisor at Cetera with 16 years of industry experience. He holds Series 66 and Series 63 designations and has worked with firms including Fidelity Brokerage Services and First Allied Securities. Outside of finance, he is the owner of a small DIY crafts business. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of independent advisors and serves individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party model portfolios and varied program structures.

Roy Straub is a CFP® with 45 years of experience in the financial services industry. He is currently with LPL Financial, where he has worked since 2020 and previously from 1999 to 2007. His prior experience includes twelve years at Securities America Advisors, Inc., and he has operated Straub Financial Inc. since 1999. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers diverse advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Sonya Reagan is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and five years of industry experience. She has worked at Charles Schwab Bank, SSB, and Charles Schwab & Co., Inc. since 2020. Prior to her career in finance, she held positions at Starbucks and Barnes and Noble. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by a large scale and integrated operational structure.

Brittany Frazier is a financial advisor at Charles Schwab with nine years of industry experience. She holds Series 66 and Series 63 designations. Her prior work experience includes roles at TD Ameritrade and ULTA Beauty. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and rigorous due diligence on alternative investments.

Michelle Terry is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding a Series 66 designation and 18 years of industry experience. She has been with Charles Schwab and its affiliated entities since 2015 and provides professional care for a family member outside of her advisory role. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advisory relationships with access to affiliated discretionary SMAs and a formal alternative-investment onboarding process.

Oscar Bujanda is a financial advisor at Charles Schwab with 12 years of industry experience. He holds Series 63 and Series 66 designations. His work history includes roles at Schwab Wealth Advisory Inc. and Charles Schwab Bank, SSB. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through a combination of wrap fee programs, managed accounts, and financial planning services. The firm offers both non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and a centralized service structure.

Colby Sorensen is a financial advisor at Charles Schwab with 10 years of industry experience. He holds Series 66 and Series 63 designations and previously worked at Fidelity Brokerage Services LLC for six years before joining Schwab in 2021. Outside of his advisory role, Sorensen manages rental property responsibilities related to his personal real estate. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and provides investment guidance using multi-asset model portfolios and alternative investment due diligence.

Julian Allen is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. His prior work includes roles at Teaching Nomad, Mitchell Martin Inc., and Statista, Inc. He has experience in both education and financial services sectors. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment management options. The firm is notable for its integrated structure, combining advisory, brokerage, custody, and alternative investment services.

Kristin Borino is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding a Series 66 designation and bringing 16 years of industry experience. She has been with Charles Schwab since 2017 and previously worked at Schwab Wealth Investment Advisory, Inc. from 2016 to 2020. Outside of her advisory role, she is involved as an owner and partner in a non-agent real estate venture. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a mix of non-discretionary and discretionary investment services, utilizing multi-asset model portfolios and alternative investment options through a centralized, integrated operational structure.

Brett Olson is a financial advisor with Charles Schwab and holds Series 66 and Series 63 licenses. He has nine years of industry experience, including roles at Charles Schwab & Co., Inc. since 2017 and Charles Schwab Bank, SSB since 2025. Prior to his finance career, he worked at Pottery Barn Park Meadows from 2015 to 2017. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options supported by multi-asset model portfolios and access to alternative investments, combining scale with an integrated operational structure.

Stephen Choi is a financial advisor at Charles Schwab with 17 years of industry experience. He holds Series 65 and Series 63 designations. His work history includes roles at Charles Schwab Premiere Bank, Charles Schwab Trust Bank, OptionsXpress, Inc., and Charles Schwab Bank, SSB. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance, supported by multi-asset model portfolios and due diligence from its Schwab Center for Financial Research.

Mitchell Bickmire is a CFP®-certified financial advisor with Charles Schwab, based in Lone Tree, CO, and has five years of industry experience. He has worked at Charles Schwab Bank, SSB and Charles Schwab & Co., Inc., as well as previously at Avis Budget Group and the University of Colorado at Boulder. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary advice and access to discretionary separately managed accounts. The firm’s integrated structure and multi-asset model portfolios support a large client base with centralized supervisory and custody services.

Dakota Lewis is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has worked within various divisions of JPMorgan Chase since 2018. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through its Wealth Advisors. The firm combines institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Steven Gallegos Jr. is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 66 licenses. His prior work history includes positions at Wells Fargo Clearing and Wells Fargo Bank. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.